23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

An airline ticket was purchased using my American Express Delta Skymiles card ( confirmation code XXXX ), also the insurance box was checked to further protect if I had to cancel the flight. ( Scheduled for XX/XX/XXXX ) I canceled the airline ticket because I did not have to physically appear in court. Delta Airlines assured a refund to my credit card would happen. The credit for the {$530.00} airline ticket did not happen and I began disputing the charge when I noticed that it had not been removed from my credit card on or about XX/XX/XXXX. The charge was removed from my account and within a few weeks or less, the charge appeared again on my account. Called again to American Express to form another dispute, ( XXXX ) advised that it would be taken care of and not to worry. ( Continual process for over 4 times ) Tried to use my other American Express Card Hilton Honors, while on vacation in XXXX of XXXX for my Hilton honor points, and was told card declined, and account closed. Called American Express and was told that I disputed the charge " to late '' and that I would have had to dispute the account within a certain " timeframe ''. Advised the representative that I have continually been disputing this charge and was told by the representative that the charge was valid. I advised that I was told that there would be a credit issued because I canceled the flight and that credit has never happened. Contacted Delta airlines, and they stated they could not locate the flight information ( Confirmation XXXX ) despite the fact that I provided the confirmation number. Then was told if I had insurance, I would have received something for " XXXX ''. 

I was charged for a flight that I canceled, never issued a credit, or even so much as a voucher to use at a later date. Now, the American Express Hilton Honors credit card that had a {$0.00} balance is closed. The American Express Delta Skymiles Credit card, as of XX/XX/XXXX has a balance of {$850.00} from all of the late fees and interest fees American Express keeps charging me for a charge that was never refunded despite the continual disputes. Now, I keep getting text messages, stating " Your AMEX payment is due, '' " Keep your AMEX account from going further past due and avoid further negative impact to credit score '' " Pay {$40.00} to keep your account from becoming further delinquent. '' Now, my credit report is damaged due to American Express actions, and I have contacted and formed complaints with the credit reporting agencies. Now, I'm beginning my complaints with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX  Account # XXXX Department of Education XXXX XXXX, Account # XXXX XXXX XXXX has violated my rights. 

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.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX : XXXX the living breathing man/ likeness of XXXX Have disputed and challenged these inaccurate reports with the Department of Education XXXX XXXX DEPARTMENT OF EDUCATION XXXX DIRECT LOANS, I challenge all claims that I, XXXX and a debtor and or responsible for the any portion of the Public Debt of the UNITED STATES corporation I XXXX Am the living man and possess the security that was pledge for the Debtor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other variation or spelling of the ALL CAPS LETTER legal Fiction / Federally owned and created NAME Pursuant HJR 192 of 1933 and the BANKRUPTCY ACT all debts are an obligation to the UNITED STATES OF AMERICA which is a Corporation. 
I act in accordance with the folllowing U.S. Supreme Court XXXX : XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX family last name am the public agent of record, without recourse and private sole beneficiary and executor of the Estate and NAME of the Private Business Trust XXXX XXXX XXXX ; the Secretary of the Treasury of the United States being its fiduciary/trustee. 

I, XXXX XXXX XXXX XXXX XXXX family name am a XXXX Private XXXX XXXX unincorporated man defined by Section One of the Fourteenth Amendment to the Constitution for the United States of America said status having been protected by the former constitutionally created XXXX government outed as of XX/XX/year> ; and during the provisional military government temporarily imposed by the congressionally approved and confirmed Proclamation XXXX of XX/XX/year> -- -a Post -- -XXXX  XXXX 1933 Private American Non-Citizen/ National protected by Section XXXX of the Fourteenth Amendment to the Constitution of the United States of America ( unincorporated )
Product: Checking or savings account

I received a letter in the mail yesterday from Chase Bank stating that they would be " ending their relationship with me '' as of XX/XX/2021. They are closing all of my accounts without any explanation as to why. I called to inquire and they told me they were not obligated to give a reason for their decision. My accounts have been open with them for over 20 years and have always been in good standing and are frequently used. I can not think of a legitimate reason for this decision. Now I have to relocate my accounts and change all of my payment information over to the new accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report by the  XXXX   XXXX   XXXX  on   XXXX   XXXX   XXXX  . They (  XXXX   XXXX   XXXX   XXXX  NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with  XXXX   XXXX   XXXX   management, the y keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.     Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!      XXXX   XXXX  has now damaged  my credit score a nd now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed.     This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the   XXXX   XXXX   must be addressed as the rep on the phone on   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    (  and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my  XXXX  years ever hit my credit with a HARD inquiry for a simple, few  hundred  dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at  XXXX   XXXX   XXXX  repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report mont h ( if not years ) down the road .     So, as in my case,  XXXX  hard inquiries were done on my card by  XXXX   XXXX   XXXX  within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple hundred dollar credit line increase.
Product: Credit card or prepaid card

XXXX XXXX2022 I received a Credit card was opened by using my social security number through the mail. Card has a balance of {$18000.00}. The person used my adress as well to obtain the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with Experian and they have not properly resolved my issue! This account has been deleted from XXXX and XXXX due to the companies lack of information! I called Experian on XX/XX/2023 to ask how did they validate the information and I was told that the company verified by just saying it was me without having to show Experian actual proof like a signed contract with both parties signature or no proof of some type of relationship between me and XXXX XXXX XXXX. I have given experian my Identification and past addresses history bank statements to prove that this is not my account and that i dont have any relationship with them This company has not provided anything but a word which is a violation of my rights I need them to provide me with actual proof or delete immediately because this has caused enough damage
Product: Credit reporting

i paid off the for XXXX XXXX and they need to remove it.
Product: Checking or savings account

I accepted the checking account retention offer from CITI bank. The offer is to spend {$100.00} and get {$100.00} back if I keep my checking account open. However, after I completed the required activity, CITI bank refused to honor the retention offer.
Product: Debt collection

I was contacted by a company using false and deceptive language who failed to inform me that they are a debt collection agency untill after i provided my information. ( Name, phone number, date of birth, social security ). After i gave those information the company then inform me they are trying to collect a debt that they had purchase. Because of the nature in which the information was collelled, now of the information can henceforth be lawfully used against me to collect on this alleged debt. I informed the company that since they had purchase the debt, i was removed from any obligation to dissolved this debt as they are now the owner. I asked for a validation of debt which must include the original creditor, the chain of custody of the debt, the purchasing agreement of the debt etc.They company threatened me that they will negatively report to the credit agencies to which i explicitly informed them that i did not consent to them reporting to the credit reporting agencies except conditionally for {$250000.00} for each report furnished to each agencies and for each new month they reported the information. I contacted the 3 major credit reporting agencies and informed them that they were reporting a inaccurate information as i did not owe this debt nor had any obligations to it. I also informed them of my conversation with the company and that the company was issued a verbal contract. I issued them the same verbal contract for {$250000.00} conditionally to furnish this information on my credit file which is negatively impacting my contracting capacity, and injuring my estate. All companies where aware of verbal stipulation and expressed understanding therefore fullfiled contract performance. I am therefore making this complaint to the CFPB to have this account removed from my credit file immediately and to demand that the companies involved issue payment to XXXX XXXX for all contracts fulfilled. I am also requesting that the CFPB forward this complaint/demand for payment to any and all appropriate Bureaus, and or agencies external of the CFPB. 
All Rights Reserved XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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
Product: Checking or savings account

I am writing to file a complaint against XXXX XXXX XXXX XXXX regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the trans action was authorized, I was charged fees due to lagged charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two issues with Experian : first one is theyre still letting XXXX XXXX XXXX report negative item on my credit report which they are not authorized to collect in the state of Georgia . They also will not let me dispute the item anymore online or over the phone. 
Issue number two : theyre also letting XXXX  XXXX XXXX report a negative item on my report without providing or sending me verification of the debt, after I disputed it many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife called our existing mortgage servicer, XXXX XXXX XXXX and explained that our tenants had lost their jobs due to Covid 19 and that we couldn't make the mortgage payment due on XX/XX/2020. She requested Forbearance and was told it would take 48 hours and that we would not be marked as being late during forbearance. 
We did not make the XX/XX/XXXX payment. Then the mortgage company called us and demanded the XXXX payment. We were confused because the loan was supposed to be in forbearance. With great hardship, we did make the payment on XXXX and we paid for both XXXX & XXXX. On XX/XX/XXXX, we made a payment which was slightly short, again the lender demanded that we give them more money which we did on XX/XX/XXXX. We had NEVER been late before or since. We were told that our loan was in forbearance and no payment was needed. XXXX XXXX XXXX XXXX has a recording of the actual phone call and also has a log of the XX/XX/XXXX call. We are trying to refinance to get a lower rate. The lender denied us because of the two mortgage lates that XXXX XXXX is incorrectly reporting. On XX/XX/XXXX, we called the loss mitigation dep & XXXX, said that it was a XXXX XXXX error and that we should dispute it which we did once on XX/XX/XXXX and again on XX/XX/XXXX.
Product: Mortgage

Local real estate taxes went up, causing BB & T, now Truist, to increase the escrow payments and as a result my monthly mortgage payment. I had been paying my monthly mortgage payment automatically through my bank account with XXXX XXXX. I did not notice the information that my monthly payment had increased, and received a phone call once the next payment was due. I told the person on the phone conversation that I would increase the automatic payment to a little more than the new monthly payment to cover the difference. 

The next payment that was {$22.00} over the new monthly payment was held in a " suspend '' account because it did not include late fees from the previous month. None of the amount was applied until the next payment that was another {$22.00} above the normal new monthly payment was applied. This caused new late fees, and did nothing to catch up on the old late fees. While funds are in the " Suspend '' account they do not show up as applied to any payment, making the payment received and the payment due ambiguous. In fact the " payment due '' on the website appears to be below the amount sent. 

BB & T, now Truist, has developed a system in which late fees cascade even when payments are made on time, by holding funds that were sent in a " suspend '' account until they are considered late, and they are able to charge another late fee. 

A reasonable person would expect that the funds that were sent to be applied at the time they were received to the payment due, and any overages to be applied to past due charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the item below. I am requesting it be removed from my report pending a thorough review. 

ACCOUNTS U S DEPARTMENT OF ED XXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX {$630.00} XXXX  XXXX XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$2600.00} XXXXT XXXX XX/XX/XXXX {$500.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$500.00} Late Payment : XXXX XXXX  XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1200.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Lexis Nexis have both, without permissible purpose, attained, retained, maintained and sold my personal information personal information which is against the laws states in the FCRA - Fair Credit Reporting Act. 

To note : XXXX states that they are not a CRA XXXXCredit Reporting Agency , and are not obligated to abide by the laws of the FCRA - Fair Credit Reporting Act. Yet by attaining, retaining, maintaining and selling consumer information XXXX is operating as a CRA and continuously acting illegally as a CRA with no recourse.
Product: Debt collection

i noticed this account on my credit report and immediately sent a debt validation letter on three separate occasions and this company has yet to respond to my request. i am so overwhelmed because they are destroying my life. i don't know why they are ignoring me, i am trying my best to resolve this issue. I do believe that this may possibly be an account that some how ended up on my credit by accident. i believe i have some rights to confirm that info. which is why i have been doing my part and giving them an opportunity to show proof. but i again am still being ignored, this is unfair to me and my family. i have very important things to take care of this year and i am very responsible but they are reporting irresponsible info that is damaging to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and updated : XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$30.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Inaccurate information has been posted to my credit file due to identity theft. I have received letters/phone calls from the sheriff 's department in XX/XX/2021, stating that there has been a security breach of my information under previous employers and/or computer hacks. I've sent out injunctions to all three major credit reporting agencies, ( XXXX, XXXX and Experian ) notifying them of their misconduct in reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification between the dates of XX/XX/XXXX through XX/XX/2021. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. the companies involved are : ( XXXX, XXXX, Experian, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX. ) This is securities fraud and identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries that I didnt authorize that need to be removed
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX. I went to the branch were, I have my Checking Account. Had asked the associate that I needed a Cashier Check in the Amount of {$400.00} hundred to cover whatever my husband needed to get a house we supposedly we were going to rent from XXXX XXXX but she scammed us lucky for us she did n't get ahold of the other cashier checks. I Immediately called the bank and reported that I got scammed the following day went to the branch gave them a picture of the cashier bank I thought this situation was fixed but instead I checked my account on XXXX XXXX, 2017 and to my surprise the person changed the check the bank took my funds after I reported immediately that there was no keys no house this person caused us our apartment the bank manager had told me the issue was resolved they were going to put my funds back but instead they took the funds from TCF Bank
Product: Credit reporting or other personal consumer reports

There is incorrect personal information on my credit report, which has led to an unfamiliar and inaccurate account being linked to me. I have been a victim of identity theft, and my information was used fraudulently, resulting in an account that I have no connection to. As instructed by Experian, I filed an FTC report and provided all necessary documentation, yet this fraudulent item still remains.