23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Fraudulent Credit Card Applications on My Account Dear American Express Customer Service, I hope this message finds you well. My name is XXXX XXXX, and I am writing to bring to your immediate attention a serious issue concerning my account. 

Upon reviewing my recent credit report, I discovered that several American Express credit cards have been fraudulently applied for under my name. These credit cards include : American Express Hilton Credit Card with a limit of {$14000.00} American Express Blue Credit Card with a limit of {$20000.00} American Express XXXX and Gold XXXX Credit Cards I want to clarify that I did not apply for any of these credit cards, nor did I give consent for anyone else to apply on my behalf. These are fraudulent accounts that were opened without my knowledge or authorization. 

I kindly request that you take immediate action to block these credit cards and remove any associated inquiries from my credit report. This fraudulent activity has caused me considerable concern, and I hope for your prompt assistance in resolving this matter. 

Please confirm receipt of this email and provide me with an update on the steps being taken to address this issue. If any further information or documentation is required from my end, please do not hesitate to let me know. 

Thank you for your prompt attention to this urgent matter.
Product: Credit card or prepaid card

XXXX claimed they delivered a package to my address, which I never received Listed below are the delivery facts from the USPS regarding shipments XXXX & XXXX, with the supporting documentation enclosed. 

I. There was no signature II. The packages were delivered to zip code XXXX. 
a. There are XXXX souls living in XXXX dwelling units in ZIP code XXXX. 

XXXX provided no information that the package was delivered to my address, let alone signed by anyone. The only information provided shows that the packages were left at or near the mailbox in one of XXXX dwelling units. At or near mailbox does not indicate that the package was even placed inside of a secured area, let alone a secured area in my building. 

How am I being held responsible for a package for which there is no proof that I received? XXXX for a small fee, {$.00}, could have requested delivery confirmation from the USPS. This would have ensured that an authorized agent signed for the package. Alternately, XXXX could have ensured the packages for approximately {$4.00} each. 

There is no evidence to support that I received the packages.
Product: Debt collection

I have no outstanding debts owed that I am aware of. Americollect has called numerous times almost daily and has now begun calling me outside of the legal time frame before XXXX and after XXXX.
Product: Bank account or service

I opened a Citigold checking account in-branch back in the spring and had a promotion where I would receive XXXX XXXX miles after completing certain spending criteria within 3 months. 

I met those criteria in time, secure messaged with citi customer service and was notified that I had satisfied the criteria for my promotion and would be receiving the miles within 90 days from then. 

The miles never arrived, and when I followed up with citi support via secure message, they said I was n't eligible for the offer. When the citi XXXX previously confirmed via SM that I would receive the miles, they did NOT mention anything about not being targeted for the promotion. The in-branch representative with whom I applied also assured me and was excited for me to receive the bonus. 

After numerous follow up secure messages and phone calls, after which Citi conducted " investigations '', they still concluded that they would not be giving me the bonus due to my not being targeted. A friend of mine signed up under the same promotion about the same time I did and received their bonus, despite not being " targeted '' either. So it appears Citi is inconsistently honoring their promise. 

I 've enjoyed using this account, but it 's frustrating that Citi wo n't take care of their customers. I feel tricked. I 've been paying $ XXXX for this account, the least they can do is honor the promotion I signed up for.
Product: Credit card

On XXXX, I purchased a XXXXXXXX XXXX XXXX mattress from their website using my credit card to complete the purchase. I noticed once I received the mattress, the charges still had not been applied to my credit card. I started to receive calls from Wells Fargo asking me did I buy a mattress. I am concerned and assumed it was spam, since I did NOT ask for financing of the mattress. I did not associate Wells Fargo to the mattress purchase since again, I paid with my credit card. I called XXXX XXXX XXXX on XX/XX/2024 to explain to them what happened. I spoke to a rude member of the escalation team who did not seem concerned when I asked, " why is Wells Fargo calling me when I paid for the purchase online? '' He did not have a reply and stated he would take the information to his team. I asked, " why are you exposing your customers to predatory lenders such as Wells Fargo? I did not need financing nor request an application ''. My information should have never been received by Wells Fargo and I should have never received the XXXX harassing phone calls and XXXX denial letters from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA!

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a email notification stating that I had a credit inquiry. Once I logged in I see that CBNA was in the category if hard inquiries. I have not applied for anything. I had the same problem yesterday. With someone applying for a XXXX account. However I believe my information was compromised. I need assistance.
Product: Credit reporting or other personal consumer reports

noticed several unauthorized inquiries on fly credit report that I would like removed Infor them that according to the FCRA these unverifie and unauthorized items must be removed.
Product: Debt collection

I rented an apartment and in XXXX XXXX, I bought a home and did not sign a lease, I did a month to month for XX/XX/XXXX and XX/XX/XXXX. I did a walk through and did not owe any damages and gave them proper notice. I also paid my rent via check and I have proof that I paid in XX/XX/XXXX, because it was a pro-rated amount for {$75.00} and I submitted the proof to the collections agency as my old bank is trying to research the XX/XX/XXXX check from XX/XX/XXXX. I left in good standing. I faxed my documents to the agency on XXXX/XXXX/XXXX and they were supposed to forward it to the apartment management company. I followed up on XXXX/XXXX/XXXX and was told it takes 7 days for it to show up in their system, it has been 8 days. I have n't been able to contact the apartment owner, XXXX XXXX, as they no longer own the apartments. I was told I owe {$1200.00}, when I have paid and submitted documentation. the rep at the collections agency, stated that now they are saying that I did not give notice, and that is what the bill is for, when I gave notice, because it was up in XXXX XXXX and I was able to stay there until XX/XX/XXXX when I moved into my home and gave more than adequate notice. I left a forwarding address in order to receive my deposit, which I never did and have not heard anything from anyone in 6 years. The collections agency refuses to accept my proof. It stands to reason that I paid XX/XX/XXXX and would also have paid XX/XX/XXXX. I feel this is an attempt to extort money from me. The apartment manager at the time was XXXX, and I did give her notice and she was the one that came up with the pro-rated amount of {$75.00} for XX/XX/XXXX. I paid my rent on time monthly for the time that I was there, was never late and did not leave any damages. I feel the collections agency just wants to get money from me that I do not owe. The rep today, XXXX stated that she was going to order and mail me the validation of debt today, XXXX/XXXX/XXXX which I do not believe, as the other rep, XXXX XXXX, on XXXX/XXXX/XXXX gave me a fax number to send documents that they have not sent to the client in order to resolve this issue. the fax was sent on XXXX and I validated the fax number with the rep named XXXX. I hope that I wont have to get an attorney to challenge this.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 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 - TOTAL V # XXXX XXXX XXXX   XXXX XXXX - TOTAL V # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX YES XXXX XXXX XXXX XXXX LEG # XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX  ) appropriate proof of the identity of the consumer ; ( XXXX  ) a copy of an identity theft report ; ( XXXX  ) the identification of such information by the consumer; and ( XXXX  ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXXXXXX XXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

On XXXXXXXX XXXX  I sent a {$1000.00} deposit to a landlord via Zelle as was requested. I was encouraged to use Zelle via the landlord and my bank without the warnings or understanding that I did not have any protections. The rental needed to be cancelled but the landlord refused to return my {$1000.00} payment. When I contacted Zelle I was told I had no recourse to have my funds returned to me and I could not dispute my charge. I was never make aware of the consequences of sending funds through Zelle and the lack of protections it offered in scam situations
Product: Debt collection

Mid-South Adjustment sent me a Demand for payment in full notice in the mail, dated XX/XX/20, indicating that this is an attempt to collect a debt, but the debt letter did not inform me the RIGHT TO NOTICE OF DEBT. The letter Mid-South Adjustment sent me did not include my right to dispute and other information required under the FDCPA. When I informed Mid-South Adjustment that they failed to include certain information required by law in the first letter they sent me, they tried to cover it up by sending me what they called the first letter they sent with the required information by law. However, Mid-South Adjustment did not realize that I still have the actual and original first and only letter they sent me, which did not include the required information by law, which shows they lied and sent a fictitious debt letter and back dated it to XX/XX/20 in an effort to cover up their mistake, stating it was the first letter they sent. A copy of the first debt letter Mid-South Adjustment sent me is uploaded and attached to this complaint for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( The Company ) and I settled in full on my auto loan balance. The company and I settled the {$2400.00} balance for {$1400.00} However, The Company continues to report as a Collection with delinquencies for the waived balance of {$980.00} and reports the balance as past due on my credit causing me to be denied for credit I applied for and receive higher interest rates for credit I received. I contacted The Company directly on XX/XX/XXXX, XX/XX/XXXX, XXXXand XX/XX/XXXX to verify the Settled in full account and request my credit be updated to no avail. The Company, however, continues to report to the Collection company and yet send letters to me that the account was settled in full on XX/XX/XXXX. I have also disputed the account with Equifax, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX and was told the incorrect information was verified and there were no corrections applied to my credit. I currently have 30,60 & 90 day lates as a Collection showing on my credit for a incorrect past due balance of {$980.00} well after the account was Settled in full and closed on XX/XX/XXXX. Late dates currently reporting are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Please see XXXX letter and credit report from XX/XX/XXXX attached.
Product: Credit card

I have sent XXXX transfer from XXXX Credit card on XX/XX/2023 to be send to my account at Citi. Check # XXXX amount {$12000.00} XXXX to Citi The check was cashed by Citi bank on the XX/XX/2023 as proof was given to me by XXXX. 
I have try asking for Citi to apply the payment to my account since the check was send with mistype account number it went nowhere. 
I ask Citi to send the check back so we can send it with correct information, but they said they are not able to do that or help and asking XXXX to talk to them. 
When XXXX called they asked to have member on the call too. 
Basically, they have the money and not sending back to XXXX or myself. Now i have XXXX bills to pay since XXXX.
Product: Credit card or prepaid card

I received a notice in the mail ( today XX/XX/2020 ) dated XX/XX/2020 from Chase Card Services. The letter stated they did a recent review and credit information on my account and reduced my credit limit from {$17000.00} down to {$2800.00} ( my current balance owed is {$2000.00} ). The letter stated they pulled my XXXX  Credit Report and reduced my credit limit amount based on the following reasons : BALANCE OWED ON REVOLVING ACCOUNTS TOO HIGH, NUMBER OF ACCOUNTS CURRENTLY IN USE, HISTORY OF LATE PAYMENTS. I immediately reviewed my XXXX  credit report and could not locate any accounts that were delinquent or had a late payment, nor could I find any accounts with a high balance compared to the credit limit. In fact, the credit report says I have a 18 % credit usage, and not late payments. 

On XX/XX/2020 at XXXX, I called the card services customer service number that was located on the letter to speak more about the issue and the drastic decrease of credit limit ( as I am currently seeking to buy a new home ). I immediately requested to speak to a supervisor, as the representative didn't have access to the system to advise as to why my credit limit was reduced. 

Once the manager ( her name was XXXX ) came on the phone, she was very short with me and very rude. I advised that I wanted to file a complaint and asked what the follow up time for the complaint is. She stated there is no follow up. She only offered a re-consideration review, but that Chase Card Services would need to re-pull my credit report, causing a hard inquiry. I asked why would the consumer have to be responsible on having a hard inquiry pull, if I am disputing the credit limit decrease in which I had no warning. She had no answer to my question, other than " that's just the way it is ''. 

Due to her negative attitude and me being rushed off the phone, I asked if there was a formal complaint department that I could speak to. She said they have no number and said that I would have to mail in my complaint. Surprisingly she gave me an address to their Executive Office. I will be writing them this issue and formal complaint, but thought I would file the complaint with CFPB as well. I do not agree with the {$15000.00} reduction in credit with this account. I have never been 30 days late.
Product: Student loan

FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment. XXXX XXXX XXXX Very truly yours, /XXXX/ XXXX XXXX
Product: Debt collection

I called on a number of occasions and asked to be placed on a Do Not Contact list. They have stopped calling but still are sending me emails ; emails that dont have anything to do with my account in particular.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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

I previously disputed a collections account reported on my credit report with XXXX and TransUnion. I disputed the reported item from the collection agency XXXX XXXX, ( original creditor XXXX XXXX ) because I requested to end the services with the XXXX  company, XXXX XXXX, and had a XXXX balance with nothing else owed on my account at the time the account was closed. Each time I disputed this item with the credit bureaus, I requested that the collection agency provide the original contracts from these XXXX  companies, as well as proof of the remaining balance owed. The collection agency was only able to verify I was once the account holder. Neither XXXX or TransUnion investigated beyond this. They did not require the collections agency ( XXXX XXXX ) to provide any documentation to verify their claim of the amount owed. This item is still reported on my credit report and adversely affecting my credit score.
Product: Debt collection

XXXX XXXX XXXX ( XXXX  ) submitted a 100 % fraudulent document trying to collect a debt I don't owe. I personally went to the bank and spoke to a certified banker and they verified the letter was not from them and is fraud
Product: Mortgage

Please find attached, my Urgent Follow-Up Complaint Regarding Referral of Complaint ID : XXXX Concerning Unauthorized Transfers of Ownership and Intentional Material Alteration of Parcel and Tax Map Identifiers Involving Local County Government and Homebuilder/Developer, XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX XXXX