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

In XX/XX/XXXX I received a promotional offer by mail from American Express for a Gold Delta Skymiles card. The promotion offered 60,000 bonus miles and was to end by XX/XX/XXXX.  The flyer I received was directed to me personally, as it contained my name and my Delta Skymiles number. Given that I was a frequent flyer on Delta, I responded to the offer and received my card in XX/XX/XXXX. 
The requirement to earn the bonus miles was to spend {$1000.00} within the first 90 days. I had done that by the end of XX/XX/XXXX. I have my XXXX statements that confirm this. By late XX/XX/XXXX, when I had not received my bonus miles I called XXXX  customer service. They assured me I would be credited with the miles, but it would take 6-8 weeks. I called again in mid-XX/XX/XXXX, well past the 6-8 week estimate and was again assured that I would get my bonus miles, but there was a problem between XXXX and Delta getting the data entered. I called In XX/XX/XXXX and got, essentially the same message. I was told at that time that a number of people were having the same problem with this promotion. 
In late XX/XX/XXXX, I called Delta and they connected me with XXXX   customer service. I was told that their records showed no promotion associated with my account, but they saw a note that detailed an inquiry they had made to marketing or some back office group in XX/XX/XXXX. The XXXX customer service rep said there was no record of any reply to that inquiry. He also said that all he could do would be to put in another inquiry. In XX/XX/XXXX, I sent a letter to XXXX  headquarters in XXXX XXXX, TX with most of this information, to include a copy of the promotional mailing I had received. I've had no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not yet received any information from the Annual Credit Report website It seems neither Transunion nor XXXX can verify my identity online. One concern is also that XXXX asked me a question on the verification link re a mortgage application in 2014 - I never had a mortgage application in 2014, so now I wonder if someone stole my identity?
Product: Credit reporting or other personal consumer reports

Hi Team, on XX/XX/XXXX i sold my lease XXXX XXXX XXXX XXXX, XXXX XXXX to XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX i informed XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX  XXXX XXXX about the sale proceed so that they don't mark my account as past XXXX Day past XXXX Day Past Due. the representative of XXXX XXXX Acknowledged it over the call. but few days later XX/XX/XXXX ) i received a Credit Alert on my XXXX report for XXXX  days Late payment reported by XXXX ( XXXX XXXX XXXX ) also known as XXXX XXXX XXXX XXXX. which is very irresponsible and brutal to customers who were loyal with them through out the lease contract and were never late. its showing they received the XXXX on XX/XX/XXXX from XXXX XXXX XXXX though in informed them of the Sale Proceed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent dispute letters letting Equifax Know these are not my inquires on my account on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

My complaint is with Equifax about multiple letters from this company about a inquiry from XXXX. Equifax has sent letters telling me the inquiry has been removed. When I read my consumer report. The inquiry has never been removed when I dispute it I'm told its factual but I have several letters stating it has been removed. When I call in the representatives tell me to view my information on MyEquifax not other third party reporting agencies. I'm submitting the letters as FACTUAL PROOF that Equifax has been misleading with their reports. Equifax only responds to have the complaint shutdown but refuses to resolve the issue.
Product: Credit card or prepaid card

On XX/XX/XXXX I charged a transaction on my Apple Card. But due to unforeseen circumstances the company, XXXX, made a mistake on my ticket for an event but refused to issue a refund even though on their website it's 100 % money back guaranteed before the event. However, things got complicated due to the fact that it was a third party ticketholder who provided the ticket. It ended up being the wrong row than the one I originally purchased which neither did I end up confirming nor did I end up going to the event. Tried to resolve it with XXXX over the phone three times, but they just blew me off. 

That was when I turned to my credit card company in hopes for them to represent me and get my money back. On XX/XX/XXXX I was issued a temporary provisional credit of {$110.00} from Goldman Sachs Apple Card. 
On XX/XX/XXXX they notified me that they were unable to resolve it with the company, XXXX, and that it was ruled in the favor of the merchant. 
On the same afternoon I had the opportunity to chat with an specialist at Apple/Goldman Sachs and they ensured me that I had a second opportunity for a crack at it in getting my dispute resolved in my favor. They even reached out for any additional information that I can provide to help them assist in their progress in the dispute. 

After a month or so I checked back in with them and spoke with a supervisor providing all the info/evidence both verbally and via e-mail that I had. They reassured me saying that if I don't hear back from them by XX/XX/XXXX that it most likely was ruled in my favor. 

But on XX/XX/XXXX I received an email AGAIN saying that with further investigation it resulted in the favor of the merchant. I was then charged the {$110.00}. I was shocked and in utter disbelief that I had to pay for an event that I never even attended. I don't know whether Apple/Goldman Sachs is new in this department or what. But it is simply unacceptable which led me to write this review today because I have nowhere else to expose this unworthiness in a credit card company. I originally thought getting an Apple Card was a good idea back in XXXX but I'd suggest you or any future consumers to stay far, far away from it as they can't even get a simple resolution resolved.
Product: Mortgage

On XX/XX/2018, PNCBank Sent me a letter that stated that I was delinquent in the payment of my real estate taxes. 
Consequently, PNCBank stated that I must provide documentation showing that I was not delinquent. 
PNCBank did not provide the source of the information proving that in fact I was delinquent in the payment of my Real estate taxes. 
PNCBank stated that I would be forced to make payment to an escrow account if I did not prove I was not delinquent in the payment of real estate taxes. 

Provide a copy of the source without excuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates are attached! 
BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 - 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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act Convergent Account # 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: Checking or savings account

So I noticed my savings and checkings account got closed by TD bank on XX/XX/2021 and I went to the brand to see what I can do to get my funds and I was given a number to call where I had to leave my name account number for a call back and Ive called more than three times leaving a voicemail and never got a call back and I tried calling customer support line from them and they told me I had to go to the branch and theyre running me around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer report and noticed several non mailable addresses and other incorrect personal information. To ensure I receive all mail from the XXXX XXXX XXXX, heres my corrected address XXXX XXXX XXXX XXXX, GA XXXX as all others are not reportable as per the FCRA, since they are inaccurate. I do not desire a phone number be listed My name should also read : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is : XXXX My employer is : XXXX XXXX XXXX XXXX Social Security no. : XXXX Remove any and all other information to relinquish all identity theft claims as the information you are reporting is not mine. 

XXXX XXXX XXXX
Product: Debt collection

I sent out a letter requesting Radius Global Solutions to send me more information regarding this debt. However for some reason I received a letter regarding an agreement that they state I generated, for settlement. 

Per the notice o received under important rights it states : California License Number pending, I live in California.
Product: Credit reporting or other personal consumer reports

Student loan accounts are reporting on my credit report for all three bureaus have past the 7 year mark and should be deleted as The Fair Credit Reporting Act ( FCRA ) of 1970 requires credit reporting agencies to remove negative information from a person 's credit report after seven years. 


There are 11 student loan accounts that are all reporting on my credit profile reports. All of them show DEPTOFEDXXXX XXXX XXXXXXXX. 

I have stated several times this debt is NOT MINE, with no success. My only option was to wait for the debt to age off which it has at this point. 

I am requesting all of these accounts be removed immediately. 

I have made this request to the company ( XXXXXXXX ) and to the credit reporting agencies however these outdated accounts which do not belong to me still remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get funding for my business and these inquiries are hurting my credit profile. These are fraudulent inquiries on my report. I did not authorize all of these inquiries. Below is a list of the inquiries. Please delete immediately. 
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 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: Credit card

I had a membership with the company XXXX earlier in XXXX. I cancelled this membership on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received a membership cancellation confirmation email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged my Apple Card {$59.00} and again in XXXX XXXX XXXX charged my Apple Card another {$59.00}. I contacted ClassPass about these charges which they denied having done, however my Apple Card statement shows there was a {$59.00} charge from ClassPass for XX/XX/2023 and another {$59.00} charge from ClassPass for XX/XX/XXXX XXXX 

I have tried contacting Apple Card multiple times to dispute both of these charges from XXXX XXXX XXXX. They requested evidence that these charges were fraudulent, and I sent Apple Card the PDFs of the email XXXX had sent me which confirmed my membership cancellation back in XX/XX/XXXX XXXX I was told multiple times that this was substantial evidence from the customer service members I spoke to and that once a dispute investigator saw this, that these charges would be removed. 

I have had to reopen these disputes multiple times now because Apple Card keeps saying these charges will remain due to no evidence. However, they have PDFs of the membership cancellation email from XXXX that is dated with a time stamp proving these charges occurred after my cancellation with them. I have now reopened both of these disputes again.
Product: Vehicle loan or lease

The companies involved are Ally Auto and XXXX XXXX. My car at the time needed repairs and the shop that had it told me that all I had was liability and to fix it was going to be more than the car was worth. Therefore, I had to do an involuntary surrender which was unnecessary. When I switched my insurance to XXXX I got full coverage. Insurance companies know if something is financed. With that being said I want to know who came and got the car, why XXXX said I only had liability at the time and that loan was done in XXXX, it is XXXX.
Product: Mortgage

On XX/XX/2019, I went to pay my mortgage to PPH, which was only {$420.00}. OO. When I pulled up my loan statement online at their website, it said that I only owed {$840.00} to pay off the entire loan, so rather than pay the monthly due amount of {$420.00}, I paid the entire {$840.00} it said that was remaining on the entire loan to pay it off. On XX/XX/XXXX, when I checked the website, it told me I was late on my XX/XX/XXXX payment and that I owed {$840.00}, which was the exact amount that I paid on XX/XX/2019. I checked my bank and the money had in fact left my account and been sent to PPH. Additionally, the recording when I called PPH confirmed it received it on XXXX XXXX. When I spoke to a representative, he claimed that they had not applied any of the money because it was not the full amount, but I explained that I paid the entire amount due, which it listed at {$840.00}. He couldn't explain why the website said I was late when I paid almost twice the amount owed of {$420.00} but more importantly the full amount owed and showing at the website. They failed to apply any of the payment that was
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the sixth time I've attempted to get this mistake corrected I have sent out a multitude of letters and still no resolution whatsoever. There is a name that I am not associated with at all under my credit report and this is attempt number seven.
Product: Money transfers

I made a Money Transfer by Western Union from XXXX to XXXX XXXX. I received a MTCN number for the transaction, but when I went to take the money the western union agent do not have all the money necessary to pay me ( total amount of {$150000.00} - american dollars ). So I received XXXX checks : XXXX of {$100000.00} and other of {$50000.00}. 
The problem is that when I deposited these checks in my bank account ( XXXX XXXX ), the bank refused XXXX checks, saying that the checks do not have founds and closed my account, holding these checks. They gave me copies of the checks and told me that the originals would be sent in a few weeks, but they did not arrived yet. I tried to talk with the Western Union, but I did not receive any answer or help even trying to talk with different agents. I would like to take my money in cash as soon as possible. I am waiting for a solution and I can not wait anymore.
Product: Debt collection

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint.

I contacted Resurgent Receivable about two accounts that they are reporting to my credit report. They are reporting these accounts fraudulently and without my authorization and consent.

They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and Resurgent Receivable. If no contractual obligation exists between us then how could I legitimately owe them for any debt? Resurgent Receivable claims to have purchased the debt from XXXX XXXX XXXX  but my contract was between myself and XXXX XXXX XXXX, who I am in the process of entering into arbitration with. If Resurgent Receivabe continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation the FCRA, FDCPA, and for aggravated identity theft.

Please see Resurgent Receivable info in identity theft report attached
Product: Credit reporting or other personal consumer reports

Kindly verify the documentation as FCRA 605B necessitates the elimination of erroneous accounts from my credit report. Some of the listed accounts contain inaccuracies in their reporting. Compensation of {$1000.00} is warranted for each inaccurate report on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a joint credit card with Wells Fargo with my ex husband. He has the debt per our divorce decree, it was paid up but he filed for bankruptcy in XXXX. He called them to pay it in XXXX and XXXX but was told the account was closed and no payment was needed. Then MY credit monitoring service showed the account as late this month. I called Wells Fargo who said they were not legally allowed to notify me the account was behind but somehow they could report it negatively to the credit bureaus?!? Honestly the ex could have spoken to a person and got clarification on the payment but I certainly had no way of knowing it was behind, it is now paid up and I have a negative hit on my credit foe an account that was no longer mine to pay on which I got no notice AND a bankruptcy I did NOT file. In addition, of the 3 credit agencies I could not reach a person at XXXX  to file a dispute, disputes are pending at XXXX, XXXX, AND Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint in response to the Credit Bureaus ' recent investigation. I do not agree with the Credit Bureaus ' findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : XXXX XXXX XXXX  Opened XXXX XXXX XXXX  XXXX : {$250.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 
XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2019 Balance {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 and 60 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. I need this erroneous account removed from my Credit file without delay.
Product: Student loan

I cant log into the old Mohela site. It wont allow me to log into the new one either. When you call they put you on hold for hours and hang up on you. Ive been trying to contact them for XXXX months with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX  Account ending in XXXX : 15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a Sect 2a ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report ; a credit report is a consumer report. Per part ( I ), only transactions and/or experiences should be reported. Marks such as late payment/s and utilization rates are illegal per this law.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.