23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX of XXXX, I received an American Express Rewards card in exchange for being bumped from an oversold flight from Delta Airlines. 

To be sure of when I could use the card, I searched americanexpress.com and other sources. All the information found online about " American Express Reward Card Cardholder Agreement '' says : -- -- Begin Quote -- -- FUNDS DO NOT EXPIRE The funds on the Card do not expire. 

VALID THRU DATE The " valid thru '' date on the front of the Card is the date through which your physical plastic card may be used. This date is required to process transactions at merchants that request a plastic expiration date. Even if the " valid thru '' date has passed on the Card, its Available Balance remains unchanged and intact. If an Available Balance remains on the Card after the " valid thru '' date, call XXXX to obtain a replacement Card or for instructions on how to redeem the Available Balance. 
-- -- End Quote -- -- I found the above quote in many, many links from americanexpress.com,  including but not limited to : https : //www.americanexpress.com/us/prepaid/gift-cards/terms-and-conditions.html https : //www.americanexpress.com/us/customer-service/faq.gift-card-expiration.html https : //www.americanexpress.com/us/prepaid/gift-cards/Reward-CHA.html https : //balance.amexgiftcard.com/using-your-card ( see Attached printouts of those pages ). 

After an exhaustive search, I never found anything to contradict the quote above so I had no reason to doubt that my card could be replaced with a new expiration date. The expiration date on it is XX/XX/XXXX, which was 6 days ago. 

Today, I want access MY money and they tell me that it is expired and there is " nothing they can do '' as they have created some sort of exception to this card. I escalated the call as high as they let me escalate it ( XXXX, manager from Guest card Services, she said they are not allowed to give last names ) but did not solve my problem. 

This is false advertisement. I only want to access funds that belong to me. 
I am XXXX and this is causing undue stress in my life. I counted on that money to pay for my expenses. Not that this should matter but I am an American Express customer with a high limit and a FICO credit score over 810. 

I expect American Express to do better and make this right ASAP!
Product: Checking or savings account

I opened my checking account on XX/XX/22 with XXXX XXXX XXXX. I have maintained the required {$10000.00} balance for the months of XXXX and XXXX, and the requirements were that M & T would pay the bonus by XX/XX/22. It is now XX/XX/XXXX and M & T has not paid the {$350.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per FCRA guidelines, I mailed XXXX XXXX and Transunion the FTC affidavit of identity theft, police report of identity theft, copy of drivers license and a letter identifying the debts opened due to fraud, requesting these accounts be blocked from all credit reports within four business days after receiving my request, per the FCRA : " credit reporting company must block that information from your credit report ''. 

XXXX XXXX XXXX have followed FCRA guidelines and updated my reports within 4 days of receipt of the above information. 

My complaint is with Transunion, they've failed to block the debts incurred by identity theft. I called and spoke with them because I kept receiving errors trying to pull my updated reports to verify these debts were blocked, while speaking to them they confirmed they received my mailed documentation and that they would not be blocking the debts since they treated my correspondence as a dispute. I explained to the agent this is not a dispute, I followed FCRA guidelines by submitting the documentation to have all debts blocked, they responded that they had 30 days to make any updates.

I feel Transunion is discriminating against me due to my gender and race while violating FCRA I request they block said debts asap as the other two reporting agencies have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed an from XXXX XXXX XXXX {$1800.00}, XXXX XXXX {$54.00}, I have never had an account or contract for service with THESE COMPANIES. I was recently a victim of fraud and I demand that they provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX diligent examination of this matter.
Product: Debt collection

I moved out of the XXXX student housing complex in XXXXXXXX XXXX on XX/XX/XXXX with a sixty day notice ( which XXXX law states that XXXX tenants have to give the landlord a 30 days ' notice if they're planning to move out of the property. ) and rent was paid up until XXXX of XXXX. The complex stated that i would not owe anything and i was free to move out. 

In XX/XX/XXXX I received a letter stating that I owed {$9600.00} in past due rent collection. 

Ive tried to contact the complex and get it resolved and they just state that i need to handle it with the collection agency whom has yet to provide proof of the debt and the debt amount.
Product: Debt collection

R S CLARK COLLECTION AGENCY put a negative item on my credit. I had insurance. This agency did not contact me before putting anything on my credit. R S Clark is not bonded to collect in the STATE OF TEXAS. I sent them a validation request. They never did validate the account, but they continue to report this inaccurate information on my credit
Product: Debt collection

I rented an apartment from XXXX XXXX ( part of XXXX XXXX ) I paid the move out fee and asked for a detailed statement of charges. Due to many accounting errors, a claim was made that I owed {$220.00} dollars and and I was sent to collections ( rent recovery in XXXX ) XXXX XXXX from XXXX finally determined that not only did I not owe them any money, but they in fact owed me {$230.00}. They incorrectly sent me a check for {$13.00} and a follow up check was sent for {$220.00} Rent Recovery closed the account but refuses to remove the derogatory on my credit. ( this has caused over 100 point drop in my credit score for a debt that I do not owe. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to fix this issue with Trans Union and XXXX concerning the XXXX XXXX account. I have informed them several times how the account is not reporting accurately on my credit report. The XXXX is reporting that the account STATUS IS LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE. 
The TRANSUNION is reporting STATUS : CLOSED / payment after charge off/collection settled- less than full balance. 

It has now been XXXX months that I have tried to get this item removed from my credit report for reporting incorrectly Trans Union and XXXX have failed to do a proper investigation. They continue to let the an accurate reporting continue month by month while continuing to damage my credit.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Regarding Unjustified Holding of Fee by Citibank To Whom It May Concern, I am writing to formally lodge a complaint against Citibank for unjustifiably holding a fee payment intended for my education at XXXX XXXX, XXXX XXXX. Below, I have provided a detailed account of the issue : Payment Details : On XXXX XX/XX/year>, my father paid an initial fee deposit of XXXX through XXXX for my XXXX program at XXXX XXXX. ( My XXXX  Payment ID : XXXX ) The payment was received by Citibank ( XXXX  intermediary bank ) on XXXX XX/XX/year>. 

Request for Additional Documentation : After the payment was received, Citibank ( via XXXX ) requested additional documentation to verify the source of funds. 
My father promptly provided all required documents, including his National ID card and its English translation, as well as any other requested details. 

Current Status : Despite providing all necessary documentation, Citibank has placed the payment on hold for an unreasonable amount of time. 
As of today, the fee has not been transferred to XXXX XXXX, and I have not received any clear explanation or timeline for resolution. 

Impact of the Delay : My universitys deadline for fee payment is approaching, and this delay is jeopardizing my admission and enrollment. 
I am unable to proceed with my XXXX XXXX  application until the fee is processed and confirmed by the university. 
The unnecessary delay has caused significant financial and emotional stress for me and my family. 

Attempts to resolve the issue : I have contacted XXXX multiple times, and they have confirmed that the delay is on XXXX end. 

Thank you for your attention to this urgent matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} PFS XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On or about XX/XX/XXXX, {$520.00} XXXX report to the three major the 3 major credit bureau on behalf of XXXX XXXX third party company that purchase this account that was closed out on behalf of identity theft. XXXX without given me the rights or sending letters as to notify of the debt and the rights to dispute the debt proceed to report info to the bureaus without my given rights under the fair debt collection laws no one, the agency deceived the bureaus by first claims reporting was due to natural disaster. I have never received any documents to validate or given info to dispute. I however, can valid proof that the reporting is not mine. I have never had XXXX XXXX and Now, XXXX is report that it was open in XXXX in attempts to hurt my good credit. XXXX on XX/XX/XXXX told me it would be remove from my credit report and sent back to the third party agency which, XXXX refused to give me a name or address to file legal actions against both XXXX and the third party. XXXX told me it would be removed from the credit report however, XXXX  has update the info to reflect that it was open in XX/XX/XXXX and I have services with XXXX XXXX and it can be verified. No to mention, it shows it will remain on my credit until XXXX. I have never received anything from XXXX and will be obtaining an Debt Attorney licensed under the Federal Trade Commission to handle it this is not removed from all three credit reports. I have supplied Identity fraud info and XXXX is Transunion which the company has stated info was received.
Product: Debt collection

I was not able to finance a car through CNAC without a co-signer. I purchased a 2006 XXXX for {$5000.00} above blue book value ( {$12000.00} before taxes and interest ) due to not having a credit history, with a cosigner. I made all payments and on-time, I was never late. I had a life crisis and took the car back and it was a voluntary repossession. They then let my cosigner buy off of the contract, which did not credit towards the debt, and then sold the car at auction for {$120.00}, leaving me to pay {$9000.00} on the car still. I ca n't believe that there is n't a law preventing companies from " screwing '' someone this badly. I was a responsible borrower who kept to the payment plan exactly and when disaster struck, I tried to make things easier for everybody by taking the car back before I moved out of state, just in case I would n't be able to make payment. Not to mention, they told me that if my situation turned to the better before it was sold that I could pick it back up and continue where I left off, and I was able to make my next payment, but they would n't allow my cosigner to pick the car back up for me before they sold it, due to " the person managing the account is on vacation. ''
Product: Debt collection

Around XX/XX/2023, I submitted a debt validation request, which was received and acknowledged by someone at the offices of Resurgent This address had previously been confirmed through prior correspondence with the company. 

According to my records, I made the following requests, with a specified deadline of 15 days : 1. Details regarding the amount claimed to be owed by the Respondent. 2. A breakdown explaining the calculation of the said amount. 3. Copies of any documents that demonstrate my agreement to pay the alleged amount. 4. Identification of the original creditor. 5. Confirmation that the account is still within the statute of limitations ( SOL ) period. 6. Proof of your status as a licensed debt collector. 7. Evidence of your license numbers and registered agent. 8. The original contract bearing a wet ink signature. However, despite the aforementioned date, I have not received any communication from your agency or company.

As per my notice, if your agency/company fails to respond to this debt validation request within ten ( 10 ) days from the date of receiving my notice and affidavit, I insist that all information related to this account be promptly removed from my credit report. Furthermore, a copy of the deletion request should be sent to me immediately, or I will be left with no choice but to pursue legal action. I strongly demand the removal of this information from my credit report, and if necessary, I will not hesitate to take legal measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX 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 XXXX Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX High Credit : {$2100.00} {$2100.00} Last Reported : XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian continues to report a charge off account from XXXX XXXX that is more than XXXX years old. After XXXX yeare it should be removed
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX BANK XXXX XXXX XXXX  Account number - XXXX INQURIES XXXX - XXXX date - XX/XX/XXXX XXXX XXXX  - Inquiry XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Payday loan, title loan, or personal loan

I applied for a loan with Big Picture Loans after receiving a mailer about being pre-approved for a loan. I was trying to get caught up on utilities after paying for my daughter 's XXXX XXXX, and thought the loan would help. Because I was so desperate for the financial help, I did n't really understand the APR that I was agreeing to. I was approved for a {$720.00} loan, at an APR of 486.8782 %, on XXXX XXXX, 2017. So far, I have made four payments in the total amount of {$350.00}. Of that total amount, {$340.00} went towards interest fees, and only {$3.00} has been applied toward the principal. I understand that I agreed to the contact, but I am now facing extreme financial pressure to maintain the bi-weekly payments of {$170.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This sequium account has been erased from my report multiple times. And its just now back as of 30days ago. Please verify why this account is back after being removed 30 times.

Attached are my identity theft report, ID, SSN, and proof of residence.
Product: Student loan

NAVINT has a debt against me. my concern is XXXX calls a day. despite the fact that i have stated I am unemployed to NAVINT. My further concern is these calls take place before and after times regulated by the federal government for debt collection. now they are calling my former employer, which I understand to be against the law. they also call my parents who never co-signed a loan. I have provided my contact information to NAVINT, yet they persist in contacting persons not responsible for my debt. I had a contract with NAVINT 's parent company XXXX XXXX ; which called for {$500.00} each month. this was a modification of my loan payments. before a year of steady payments was completed, my debt was transferred to NAVINT. I accuse NAVINT of violation of basic contract law, XXXX XXXX has transferred the debt to them in order to breach a valid contract. NAVINT is now intends to foreclose on my student debt. I request a single point of contact from NAVINT and a repayment plan via US Mail, which they refuse to consider an acceptable form of payment. 


XXXX XXXX
Product: Checking or savings account

I need to access my Robinhood account because there are tax documents from the year 2021 that I need to access. The company has refused to allow me access to documents that I am required to have BY LAW with information that I need in order to fill out tax returns properly and in compliance with the law. By the same token, the uneducated employee who was helping me who I presume is XXXX XXXX who lists on his XXXX profile is the former XXXX XXXX XXXX XXXX, no longer works at the company and based on the terrible experience I had with him XXXX harassing me and reporting his egregious conduct to XXXX XXXX, their head of XXXX XXXX, I am not surprised at that. 

The proof attached is whenever I go to log into my Robinhood account, it says it can not log me in from the credentials I have provided. I will be attaching a screenshot of what I am getting when I try to log into my old Robinhood profile, the one I had for 5 years and told me I was allowed to have while I was studying in another country when I was preparing to leave in XXXX 2021 and then all of a sudden went back on their own word. That account.
Product: Checking or savings account

The father of my son is using our sons social as his own. Social security office had my sons incorrect information. My sons name is XXXX XXXX XXXX XXXX My sons fathers name is XXXX XXXX XXXX. The social security office had my sons name in its system reading XXXX XXXX XXXX, just like his father, without the XXXX, XXXX. So therefore my sons father has been using his identity to open bank accounts and is doing business under our sons social to avoid paying child support owed. He hasnt file taxes in 3 yrs as well.
Product: Credit card or prepaid card

In last XXXX, I received notice letters from Citibank informing me that my bank accounts would be closed on XX/XX/2023 ( one checking account and two saving accounts ). To my surprise, these letters did not provide any reasons or justifications for the account closures, leaving me in a state of confusion and frustration, obviously because that Citibank reserves the right to close my accounts at any time. 

Now and even worse, my deep concern and disappointment is regarding the recent closure of SIX of my credit card accounts with Citibank, two issued directly by the Citibank, and four store credit cards issued and/or managed by Citibank as XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have been a loyal customer for the past 18 years, maintaining an impeccable financial record and utilizing various services offered by such institution, including personal loans and multiple credit cards. Therefore, I find the abrupt and unexplained termination of these credit cards highly unprofessional and inexcusable. This not only poses a significant inconvenience in my daily basis life, but also raises serious concerns about the negative repercussions for the impact of closing SIX CREDIT CARDS simultaneously on my credit profile which I have started precisely with Citibank, and I have diligently nurtured over the years during the long-standing relationship with Citibank. Therefore, I expected at least a respectful and transparent communication, and a fair treatment, rather than such an abrupt and distressing action Honestly, I don't want to believe that all this incident and this treatment to me, is all about my XXXX orientation as XXXX, since it is the only reason that the Citibank could has to break with my financial relationship, which means : DESCIMINATION. That is what I feel, and that is what I have heard, that the Citibank makes DESCIMINATION by XXXX orientation.