23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DRS Debt recovery solutions XXXX XXXX, XXXX  Collection account. {$1500.00} past due as of XX/XX/2023. 
XXXX XXXX  {$1500.00} XX/XX/2023 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : {$1500.00} {$1500.00} 1 Month Individual I sent a written communication for debt validation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Opened XXXX XXXX, 2017 no balance but showed i paid {$51.00} is reporting on my credit report and this account does not belong to me. I don't know who the company is. It is hurting my report.
Product: Credit reporting or other personal consumer reports

I found errors on my credit report under 15 USC 1681c-2. The listed inquiries were not authorized by me, so please remove all unauthorized hard inquiries as they're damaging my credit. Thank you!
Product: Credit reporting or other personal consumer reports

XXXX has violated my rights per 16 CFR 313 and 15 USC 6801-6805.

In compliance with the Privacy Act of 1974 and 15 USC 1681, XXXX is prohibited from disclosing my transactional history. However, XXXX failed to uphold my privacy rights as outlined in 15 US Code 6801, and I was not allowed to opt out as mandated by 15 US Code 6802.
Product: Credit card or prepaid card

I, acted, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, and lastly XX/XX/XXXX, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes XXXX ( XXXX ) ( h ). 
If you, American Express Company adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to XXXX ( XXXX ) ( XXXX ). You should be aware that your reason for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you American Express Company, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions. 
Let it be known that I am ready to litigate this matter for discrimination against my good faith in exercising my rights ECOA 15 USC 1691.
Product: Debt collection

National Credit adjusters you are here by put on notice that CEASE AND DESIST any and ALL claims that your company may have on me under 15 U.S.C.1692cc, and 15U.S.C.1692e { 8 }, cease communications of ALL collections and debt information that you have, to ANY BODY OR COMPANY other than myself by mail only this is a official notice
Product: Credit card

I am writing to file a formal complaint against Citi Bank concerning a significant issue with my AAdvantage XXXX XXXX card, ending in XXXX. Despite my repeated efforts to resolve this matter directly with Citi Bank, I have not received a satisfactory response, prompting me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ). 

Background On XX/XX/XXXX, I applied for a Citi AAdvantage Platinum Select card with welcome bonus of XXXX AA miles, which I received shortly thereafter. The card number ends in XXXX. I was enticed by the bonus miles offer, which required me to complete specific spending requirements within a designated period. I successfully met these spending requirements as of XX/XX/XXXX, and my statement reflected this last month. 

The Issue Despite meeting the required spending threshold, I have not received the promised bonus miles. Upon contacting Citi Bank customer service, I was informed that I was ineligible for the bonus miles due to having received a similar bonus within the past 48 months. The system recorded that I had received a bonus in XX/XX/XXXX, which would make me ineligible under their policy. 

Clarification and Error in Citi Bank 's System After a detailed conversation with a Citi Bank customer service representative, it became evident that there is a potential error or glitch in their system : Bonus Timeline : The last bonus I received from an AAdvantage Platinum card was in XX/XX/XXXX, over 48 months ago. 
Account History : The bonus I received in XX/XX/XXXX was from an AAdvantage XXXX card, not the Platinum Select card. 
Product Differentiation : The terms and conditions of Citi Bank state that the XXXX restriction applies independently to each product. The XXXX XXXX card and the AAdvantage XXXX XXXX card are distinct products. The XXXX card they flagged ( has being closed last year ) was acquired through a downgrade from the XXXX card, which seems to have caused the system confusion. 
Given these facts, it is clear that the system erroneously flagged my account as ineligible by conflating the XXXX separate products. 

Attempts to Resolve the Issue After identifying the potential system error, the customer service representative advised me to send a detailed email to a higher authority within Citi Bank for further review. I sent this email on [ date of email sent ] to [ email address used ], outlining the situation comprehensively and requesting a resolution. Regrettably, despite waiting over XXXX weeks, I have received no response, which is extremely disappointing and has left me with no alternative but to seek external assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account below 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 instruction. 

XXXX XXXX XXXX Paid in Settlement ( closed ) BANK XXXX XXXX XXXX Late payment ( XXXX ) ( closed ) I have asked the credit bureau of a thorough investigation of my credit profile and they did however they only validate that an account was once open. My initial complaint is not to validate an account, however, to question the thoroughness of the investigation and also i still found improper inaccuracies upon their initial response. The improper accounts use are as follows : XXXX  XXXX XXXX Paid in Settlement ( closed ) BANK XXXX XXXX XXXX Late payment ( XXXX ) ( closed )
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I contacted Cash Central and made a payment in the amount of {$140.00} to my account, using my debit card. The payment was completed and approved by the CSR from Cash Central ( she was VERY nice ). After we spoke, I checked my checking account and the payment debit was pending. 

On XX/XX/2022, I received a notification that the payment of {$140.00} was debited from my account and payment was successful. 

On XX/XX/2022 at XXXX, I received an email ( included in attachments ) from Cash Central stated that they were trying to contact me to make a payment on my account. I immediately contacted Cash Central and spoke with a lady was NOT helpful, unprofessional rude and very dismissive. I explained to her that I received an email in regards to my account and that my payment was not received. She placed me on a brief hold, and when she returned she stated that the payment made on XX/XX/XXXX " bounced '' and was not posted to my account. I explained to her, throughly, that the payment was NOT returned or revoked, and it completely cleared through my bank. She continued to REPEAT the same exact statement that she originally stated, so I proceeded to ask tell her that I wanted to speak to a supervisor. She then hung up the phone ( YES, HUNG UP ). I called her back and told her that she hung up and how rude and unprofessional she was being. She then proceeded to tell me to email customer service a copy of the bank debit that shows that the payment went through. I told her that every time I email Customer Service, I don't receive a response back and it's just a waste of time. I then asked her if she could provide me with a Supervisor or Manager email address. She then put me on hold and NEVER returned. 

When I hung up, I immediately contacted my bank ( XXXX XXXX XXXX ) and explained to them what the issue was and if they could verify that the payment was either returned or revoked. The gentlemen stated the payment in the amount of {$140.00} WAS NOT returned or revoked and it cleared XX/XX/2022. 

Cash Central is the absolute WORST!!! There customer service is HORRIBLE and every time I call, the calls are handled unprofessionally and my situations are NEVER handled.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$94.00} XX/XX/2022 INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX, XXXX XXXX XXXX 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute inaccuracies in my credit report regarding my account with XXXX XXXXXXXX XXXX, referenced above. 

Account Details : Account Number : XXXX Date Opened : XX/XX/XXXX Status : Reported as Charge-Off Original Charge-Off Amount : {$530.00} Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Balance : {$0.00} Discrepancies : Charge-Off Status : The account is indicated as Charge-Off despite being paid in full on XX/XX/XXXX. The remarks state that it was Paid in Full/ Was a Charge-Off, which is conflicting. A charge-off should not be reported once the account is settled in full, and it should be updated to reflect this status accurately. 

Payment History : There is no payment history provided from the time the account was opened until the payment made in XX/XX/XXXX. This lack of documentation raises concerns regarding the accuracy of the account 's payment history. 

Inconsistent Reporting : The balance is listed as {$0.00}, yet the charge-off status remains on the report, which can be misleading to potential creditors. 

Remarks : The remarks state Settled - Less than Full Balance, yet I have paid the account in full. This creates confusion and inaccurately reflects my credit history.

Request for Removal of account from my credit profile : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I kindly ask that you investigate these discrepancies and remove the reporting for this account. Please provide documentation used to verify the accuracy of this account if it is deemed correct.

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution. Please respond within the 30-day period as required by law.
Product: Debt collection

I am writing to dispute several accounts on my credit report that have been inaccurately listed. The accounts in question are : DEPT OF EDUCATIONXXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX Open : XX/XX/XXXX Balance : {$0.00}, and DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}. The accounts have been listed inaccurately using someone else 's information. Furthermore, it is a major error that they are listed as being 120 days late without first posting 30 days late. I demand that you verify all information for these accounts, including incomplete name spelling, address of record, and any other inaccuracies that may exist. If you are unable to remove these accounts from my credit file immediately, I will have no choice but to escalate this matter to the appropriate regulatory authorities. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Regarding the XXXX  XXXX XXXX XXXX account, I am confused as to how you have verified this account when XXXX have already removed it from their records. The bank agreed to remove it after it was paid. I demand that you delete this account from my file immediately.
Product: Student loan

To whom it concerns if anyone, I have several DLPLUS loans through Fed Loan services. I have talked to several customer service representatives that have given misleading information. After talking to them about several different loan options like " Pay as you earn '', " income based '', and " revised pay as you earn '' programs all the income based programs that I have gotten quotes on. Then I called company to complete documents for these programs and was told I do not qualify for by another rep. I started talking to so called supervisors of these departments and they recommended that I consolidate my loans. I was told that if I consolidate XXXX of my loans online and consolidate the remaining XXXX loans on paper copy. Then I would have consolidate the XXXX consolidation loans. Then I would then qualify for the income driven plans. Which are much cheaper monthly payments. So then I had to go to another company " XXXX. '' Which has the online consolidation form I needed to fill out to consolidate the first set of loans. So I start the process and needed assistance so I contacted their support number. I talked to a supervisor in that company and she informed me that I only qualified for the income contingent plan that was ridiculously high. Like {$1600.00} a month. There is no way I am signing my name to that amount for just part of my loans through this company. I got on computer to inquire about FED Loans Services and there are thousands of people that experience the same kind of service. Meanwhile they stall and keep me on payment forbearance which accrues interest. This is the biggest scam I have ever seen. And this is a company that controls our kid 's educational future. And this is a Federal Program that should be an embarrassment to government officials that implement these programs. That being said I still have gotten " No Where '' with getting my loans consolidated and or gotten reliable information as to what loan repayment plans that I qualify for that are affordable. This is such a large problem that only thing I know to do is to contact a lawyer which is coming from a person that can not afford to pay these XXXX loan payments. Very upset. 
I am not sure if you can assist me in getting this issue resolved. 
Just to make you aware of how big this issues is here is a couple of links to look at about Fed Loans servicing. Which are not virus links. 
http : XXXX http : XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint False Collection Account by XXXX XXXX XXXXXXXX Dear XXXX XXXX I am submitting this formal complaint under the protection of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding a collection account falsely reported by National Credit Systems. The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Original Creditor : The XXXX XXXX Reported Balance : {$110.00} ( now {$0.00}, paid ) Last Verified Date : XX/XX/year> According to XXXX XXXX XXXX  XXXX, debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, under XXXX XXXX. XXXX ( b ), furnishers of information must ensure the accuracy of information reported to credit bureaus. 

The XXXX XXXX did not authorize XXXX XXXX XXXX to initiate this collection. Thus, the account was falsely placed on my credit report, violating both the FDCPA and FCRA. Furthermore, this action has caused undue harm to my credit score and financial reputation. 

I hereby request the CFPB to : Investigate the legitimacy of this collection account and verify whether XXXX XXXX XXXX obtained proper authorization from The XXXX XXXX. 
Enforce corrective measures under XXXX XXXX. XXXX ( a ), which requires inaccurate information to be removed from my credit report promptly. 
Ensure compliance with FCRA and FDCPA by requiring XXXX XXXX XXXX to provide documented evidence of authorization for collection activities. 
To support my claim, I am attaching the following documents : A copy of my credit report showing the disputed account. 
Relevant correspondence with XXXX XXXX XXXX and the credit reporting agencies. 
A statement from XXXX  XXXX XXXX confirming that no collection authorization was granted. 
I trust that the CFPB will address this matter with urgency to ensure my rights as a consumer are upheld under federal law. Thank you for your time and attention. 

Sincerely, XXXX XXXX
Product: Debt collection

Debt was owed by my son for a check from their bank account written on his and his ex wife 's XXXX account. XXXX has confirmed it is not me, but collector is still trying to collect and damaging my credit with a collection on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to a dealership to ask about a car and now i have all these hard inquiries on my credit that i did not XXXX for XXXX  XXXX BANK XXXX XXXX XXXX OF XXXX
Product: Credit reporting or other personal consumer reports

I saw unauthorized inquiries on my credit report today, and Im completely unsure why. I check my report often, but today I found inconsistencies out of the blue. I refreshed the page thinking it might be a technical issue, but the inquiries were still there. I need these documents reviewed right away so I can put this behind me for good.
Product: Debt collection

I took out a cash advance to help a financial hardship for XXXX. The interest was 500 % so I opted to go through a payday loan consolidation company after I made the first payment. I called the cash store a few days before my due date and let them know that they payment would not go through XX/XX/XXXX and the consolidation company would be handling their payment within the next few weeks. I explained they would be paid but I had to open a new account for the consolidation company to draft from. They have still called my every day multiple times @ home, my cell and work after I have already been told they see the notes on my account regarding the consolidation. At this point they should be only contact me through the mail. I also emailed their corporate office under contact us prior to the debt going into default but no response was received.
Product: Credit reporting, credit repair services, 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. 

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, 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 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.