23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In late XX/XX/2016 I received a mailed invitation to apply for a Citi/AAdvantage Platinum Select Card. The offer in the invitation stated that if I charged {$3000.00} in the first 3 months of having the card, I would receive XXXX ( XXXX ) American Airline frequent flier miles. I applied for the card and charged in excess of {$3000.00} in the first three months. I have paid all of these amounts promptly. Two weeks ago, I called the Citi number on the statement ( XXXX ) XXXX to insure that the XXXX miles had been added to my AAdvantage account. I was told that because I had a similar card in the last two years I was ineligible for the XXXX miles previously promised. I spoke with two levels of supervisors and each confirmed the same, one stating that the was a large number of people in similar situations. While Citi can make whatever rules it wants, if I was ineligible for the XXXX miles : ( 1 ) why did they send an offer to the contrary and ( 2 ) why did they issue the card knowing that it was requested in response to their offer? 
It 's requested that your agency intervene in the matter and compel Citi to honor its promise, just as I have in paying all of their statements promptly. Also, I ask that ( if possible under your rules ) this complaint be made not only in my own behalf but also that of every other person in a similar situation. It is unfair to offer something as an incentive and, only after cardholders have performed their obligations to earn it, pulling it away. For purposes of the box below that requests money loss information, I 'm valuing the miles at one cent per mile, which to my understanding is customary. Thanks for any assistance you can provide.
Product: Debt collection

XXXX XXXX Apartments charged {$820.00} on my credit because they said rent was not paid in XX/XX/2020. The property manger has stated and it's in their system that XXXX residents ' money orders were stolen and mine was XXXX. They were supposed to be investigating but still no response from higher management. I reached out to XXXX and they said that the money was cashed. I have the stub receipt from the money order and the email from XXXX XXXX stating that it was cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently disputed fraudulent/erroneous accounts on my my credit reports with Transuion, XXXX, and know XXXX.The accounts in question have no payment history, missing information, and is incomplete and the Credit bureaus are continuing to report the accounts knowing this.Ive still have yet to receive requested documentation on these accounts XXXX aka XXXX XXXX XXXX XXXX   XXXX as well as XXXX XXXX-XXXX.These accounts DO NOT belong to me. All 3 CRA 's are in violation of the FCRA section 609 ( a ) ( 1 ) ( A ) requiring them to provide physical documentation and an original signed consumer contract.As well as section 623 of FCRA.Ive done as much as I can do, the creditors are giving me the run around and the CRA 'S are reporting these accounts that are incomplete/missing information in witch they can not do.Ive moved forward with my attorney to persue legal action against all parties, Ive also sent information to the FTC as well.
Product: Debt collection

CBE GROUP has violated my right to privacy and violated FDCPA 1692 g by failing to send a written debt validation notice as well as violated FDCPA 1006.30 ( a ) ( 1 ) ( ii ) by prematurely parking the unverified, alleged debt on my consumer credit report and defaming my character as a consumer.
Product: Debt collection

So, on XX/XX/XXXX, I paid off this account. I paid XXXX to pay this account. The payment cleared my bank account XX/XX/XXXX. I am providing a confirmation letter to confirm that they received the payment. But the issue is that World Finance Corp. is reporting this account incorrectly. Instead of showing closed and paid as of XX/XX/XXXX. It is showing Charge-off and updated as of XX/XX/XXXX. I have disputed this account before because the information was incorrect. Also, it is being reported as a medical debt, which it is not a medical debt. XXXX as of XX/XX/XXXX, shows it as a medical debt and charge-off with a status update for XX/XX/XXXX making the collection account only one month old which is not correct. For XXXX it is being reported as a brand-new collection as of XX/XX/XXXX. It is marked late XX/XX/XXXX ( 30 day late ), XX/XX/XXXX ( 60 day late ), XX/XX/XXXX ( 90 day late ), XX/XX/XXXX is marked as a collection and XX/XX/XXXX is also marked a collection. Also marked as an " unpaid balance ''.
Product: Credit reporting or other personal consumer reports

Barclays Bank and I came to an agreement to settle my credit card account that was charged off on XX/XX/year> they stated they would report this account as settled for less than the full amount once I made 3 consecutive payments of {$260.00} on XX/XX/year>, XX/XX/year> and XX/XX/year> I paid all 3 on time, and the on time payments reflect on my credit report. Yet Barclays continues to report it as a charge off with a balance 3 years later which affects my utilization and efforts to rebuild my credit. I have tried disputing this account numerous times but Barclays continues to state that the balance is correct to the credit bureaus. Additionally Barclays did not send me a 1099 C form so I was unable to file my taxes correctly for that year.
Product: Credit reporting or other personal consumer reports

I have received information from XXXX XXXX in regards to Acct # XXXX, and I have continuously requested for the information to be removed by XXXX, Equifax and XXXX and to no avail over 6 times. I have attached the response from XXXX XXXX in reference to the account and no account being found. Im requesting that the account and any other deragatory filing in regards to Lendmark Financial be removed immediately. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX
Product: Checking or savings account

XX/XX/year>. SATURDAY. XXXX. I HAVE BEEN ASKING CHIME BANK TO EITHER UPDATE MY INFORMATION OR CXL MY ACCOUNT OF WHICH I'VE DISCOVERED MY ACCOUNT STILL EXISTING BECAUSE WHEN I CALLED THEY REFUSED TO HELP ME BECAUSE I COULDN'T REMEMBER THE OLD EMAIL ADDRESS I HAD TO DELETE OFF ME DUE TO MULTIPLE IDENTITY THEFT ACTIVITIES. I ASKED THEM TO REMOVE MY SSN AND MY INFORMATION. THEY CLAIMED BEEN PERFORMED BUT AFTER WORKING FOR XXXX NEW YORK XXXX AND XXXX  XXXX XXXX XXXX XXXX THROUGH XXXX XXXX XXXX XXXX XXXX NV THAT'S WAY FAR FROM THE TRUTH ESPECIALLY WITH THE XXXX INVESTMENTS ONGOING ACTIVITIES GOING ON. 

I NO LONGER WANT THEIR XXXX UT THEFT SERVICES BECAUSE THAT'S WHERE EVERYTHING STARTED WORKING FOR XXXX XXXX IN XXXX UT BEING DISCRIMINATED SINCE XXXX OLD AND AFTER INVESTIGATION OF MY OWN LIFE OBVIOUSLY WAY BEFORE PROBABLY SINCE BIRTH. 

GET THESE PEOPLE OUT MY LIFE OFF MY NAMES XXXX XXXX XXXX MY BIRTH NAME XXXX XXXX XXXX XXXX XXXX MY FIRST NAME CHANGE THROUGH XXXX XXXX NO HELP AT ALL TO XXXX XXXX XXXX ALL UNDER MY SAME SOCIAL SECURITY NUMBER PLEASE GET THEM OUT MY LIFE AND AWAY FROM MY INFORMATION PERMANENTLY I WATCHED THEM DO THE SAME ADVANTAGES I HAD WORKING ALL OF SUDDEN PERFORMED ON THEIR CHIME MEMBERS TO THE POINT THEY'RE MESSING WITH MY SOCIAL SECURITY BENEFITS GET THEM OFF ME THEY'RE LEACHES THIEVES STALKERS XXXX LIARS
Product: Credit card

I went to Sam 's Club pharmacy and used the Synchrony Sam 's Club card. I was told that Synchrony closed the account. I was not told anything about this. I was shocked. 
I am on Social Security. I never received any document about this. 
I had to file XXXX  two years ago. Synchrony was on the list. 
XXXX XXXX. XXXX
Product: Mortgage

My mortgage servicer has been misapplying my payments repeatedly over the course of the last 5 months. We have called and had the process reversed numerous times. Even though we have a current monthly payment due in less than 30 days ( making payment in the current month I should be paying ) they are posting them as principal curtailments and assessing late fees. This has caused multiple hours on the phone including multiple reps stating the last person who was supposed to fix the issue didn't do it. One of the occurrences took multiple calls over 2 months to fix. They have just again, misapplied my payment for XX/XX/XXXX as a principal curtailment. I can't even keep up with their deceptive math to ensure my account is where it should be and that all of my payments were posted properly. At this point, I'm also concerned for my credit which has certainly had my mortgage debt reported low and then high and then low and then high again. This is out of control. At no point have payments been made early enough for them to ever be considered a curtailment. Example, every payment for the XXXX of the month due date has been made in the middle of the previous month ( 2 payments for XX/XX/XXXX due date made during XXXX ). I have been told by their own rep it is a glitch in their system that searches and automatically does this to people. Even if their current payment is due, they will post as a curtailment to anyone who splits their payment and has money sitting in suspense until they have the full payment.
Product: Credit card

my cards were stolen my id was stolen at target I reported the cards stolen and id stolen my balance at target was XXXX back in XXXX 2012 even i reported the credit cards were stolen and I put a fraud alert they still used my credit cards XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, all menitoned they removed all charges, I paid XXXX my balance Only my what I authorized the credit card, i was going thru a difficult time, divorce XXXX my kid trying to XXXX and myself, both were going to XXXX with XXXX here in XXXX XXXX I had no time to pay attention wiht my bills, my mother was paying some of my bills while I was dealing with divorce and my kids never thought they were going to use all my credit cards and my ids were used they even tried to get more credit and took money from all the credit cards, as you can see XXXX, XXXX, XXXX, XXXX XXXX, they removed all unauthorized charges I can not believe we put over identification so in bad hands and we are not protected anyone can use somebody'else card and id? without asking confirming id? I mailed long ago a disputing charges to target willing to pay only my balnace of {$61.00} even I mailed them my last statement and disputing the charges, I called the XXXX business credit bureau to report the stolen ID and credit cards this is the protection we have? 
I am disputing the charges of {$470.00} I called target today I spoke with XXXX then with XXXX she told me to write another letter mail it to Target card serces dispute solutions XXXX XXXX XXXX I have mailed over XXXX letters already to target called them many times here I am writing this complaint to you XXXX to take action of my complaint please I want this to be deleted from my credit please call me at XXXX I will report this to the Consumer Financial Protection B. as an act of failure to my consumer wright, be need more consumers protection ask for ID when anybody is using credit cards to identify the end user that way who stole my ID or stolen credit cards can be prevented stopped,! I as US citizen need more consumer protection from ID theft.
Product: Debt collection

On XXXX  they are 3 reports with no name. I have proof that CBC and mar joe are scammers. I want proof of everything they say I owe.
Product: Credit reporting or other personal consumer reports

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, to have them removed and haven't received a response. 
XXXX XXXX Cap One NA inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cap One NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry type Individual. Capital one requested on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disappointed that my information has been compromised by identity theft. I am trying to buy a house for my family, and this has put a series of holes in the process. By the FCRA 15 U.S.C. 1681G, my information should be safe and secure, and I see that it is not. My information has also been involved in a breach. According to section 605B of the Fair Credit Reporting Act, consumer reporting agencies are required to remove fraudulent information on a consumer credit report if the consumer claims it was the result of identity theft within four day of receiving the information.

The companies are following the laws and FCRA laws which is a potential liability for up to {$1000.00} per violation FCRA Section 604 ( A ) ( 3 ) FCRA Section 623 FCRA Section 605 ( c ) FCRA Section reinsertion ( A ) ( 5 ) ( B ) ( ii ) I expect a prompt response to this matter, and I urge you to address these violations to avoid legal proceedings.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my deep concern and disappointment regarding the accuracy of information on my credit report. Despite previous communication, your agency has failed to demonstrate due diligence in ensuring that the reported items comply with 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification. As mandated by 15 USC ( 6 ) ( B ) ( iii ), I am requesting a detailed description of the reinvestigation process your agency used to verify the accuracy of the disputed items on my report. This description must include : 1. The name and address of the information provider ( s ) contacted 2. The telephone number of each provider, if reasonably accessible 3. The name of the individual who verified the dispute 4. Valid documentation that was used to substantiate the continued reporting of these items This information must be provided within 15 days from the receipt of this letter, as required by law. Additionally, I have previously notified your agency that I am a victim of identity theft related to a data breach. I have filed a formal FTC report ( enclosed ) and demanded the immediate removal of all fraudulent information from my credit report, as required under 15 USC 1681c-2 ( c ) ( a ). Your agency is legally obligated to block and remove any alleged identity theft information within 4 business days of receiving a complaint that meets the necessary criteria. 
Despite this clear request, the following inaccurate item remains on my credit report : XXXX XXXX  XXXX Account NumberXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX XXXX Account NumberXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX Account NumberXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a email from Experian informing Alert : Change To your credit file Detected. I contact them to ask them who inquire in my credit and they do not provided me any information they ask me to paid a credit Report. When I review my credit report from my bank loan I saw my score decrease from XXXX to XXXX, 14 points below on XX/XX/XXXX. This is very frustrated because I am working hard to fix my credit, I am planning to refinance my car and now if they do a inquiry in my credit that will affect. immediately y check into my Bank profile who also provided me information about inquiry and I noticed that the Bank XXXX National Credit Cards/Airlines inquire my credit report with out my consent. Immediately contact the Bank and they said that I need to contact the credit Report and vice versa to fixed my score. That day I made more than 10 calls trying to find who was responsible for inquiry in my score. My big surprise was the date of inquiry from XXXX National Credit Cards/Airline said that was on XX/XX/XXXX and that's not true I am monitoring my Bank account and that inquire was not there before in the credit Report. That inquiry appear the same day of my credit Report Decrease from Experian. I opened on XX/XX/XXXX a account for dental credit care Same Bank XXXX but closed the account, never used the credit. XXXX provided my information without my permission and affect my credit. That bank inquire my credit and they put a different Date. I never ask for credit/airlines. They denied any responsibility and what they advise me was to contact Experian. I also tried to contact Complaint department from the bank and they did not transferred my call, they advise me to contact XXXX XXXX. I Was very frustrated because I am in the middle of this situation and now nobody know nothing about it. Attach my credit Report the inquire information of XXXX  and the Experian Email, Thank You
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/2023 Dear Experian1, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your reporting corporation. 
The Source of Information of the False & Incorrect Information being reported are listed below and are not accurate The Personal Info Listed Below are being reported on my consumer report And I have no Knowledge of the Information. 


Incorrect Addresses - XXXX XXXX XXXX XXXX, TX XXXX Incorrect Addresses - XXXX XXXX XXXX XXXX XXXX , WA XXXX Incorrect Addresses - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Addresses - XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Addresses - XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Addresses - XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Addresses - XXXX XXXX XXXX XXXX XXXX , TX XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF These Addresses & IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY! 
This is my official request to have the aforementioned item to be deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

While in the process of fixing my credit this all of a sudden shows up on only experian. 
Experian is a terrible company and ive had nothing but problems with them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any accunts in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$200.00} FST XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

three credit bureau reporting inaccurate information and violating my rights under United States Code 15 USC 1681 ( a ).
Product: Student loan

IT would be better to talk face to face, I work for XXXX  and could do a TEAMS call. 
Student loans from XXXX XXXX degree, I never had any Exit counseling ECT or education. I deferred for most of the 12 years I worked as a XXXX  employee in XXXX XXXX. They never offered me a payment plan, I made to little to afford to pay with a wife and XXXX little kids. I would have had most of my loans forgiven, with my 5 years a a federal employee. I am in the income repayment plan now, and they prior to this temporary relief from the president were literally Robbing me every month. I begged them for lower payments, they don't care that I am an XXXX  XXXX with XXXX children in private schools, holidays, XXXX food expenses Ect. they just lump me in a box, and gave me payments over $ XXXX month. I have been trying to get all my forgiveness months added, its XXXX. they want all docs Wet signed I am not sending my SS # over XXXX, and cant do it from work. in add Fed loans is going to stop servicing my loan. I am scared I will get messed up again waiting to see if loan forgiveness ever passes. 17 years public service, I should not be scared of my own government killing my financial freedom. 
Thanks