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

I signed up for a home depot consumer credit card during some home renovations, it seemed like the perfect time because that's where I was getting most of my materials from. I signed up while they where having a promotion that gave you {$100.00} for spending {$1000.00}. I spent the amount required almost immediately after getting the card information and even called in just to verified that fulfilled the requirements for the {$100.00} promotion. The company rep confirmed to me over the phone that I was all set and should receive the credit within a couple billing cycles. After 2 billings cycles past I did not receive the credit so I called in again to check on it. This is where I started receiving different information, this rep told me I did not have that promotion and that she had to submit this for review. After a long wait their back office staff reviews the case and comes up with the idea to grace me with {$25.00} credit instead of the full {$100.00}, citing that because my order ( although placed at the same time all together in the same cart ) was charged separately so counted as different orders, thus making the offer not valid. If this isn't the biggest XXXX I've heard for a company to use to try to get out of paying me the agreed upon amount I don't know what is. Their own system charged the card in that manner and they see that it was the exact time of purchase yet they are telling me that is my fault and will not honor the deal we made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per myXXXX the addresses listed on the dark web monitoring may be apart of data breach or someone has used it online. I have provided XXXX current address and XXXX identification as proof. Any other alias names, misspellings, addresses I never lived at, and employment must be deleted from my credit reports immediatley. 

my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX, XXXX, GA XXXX no other addresses or alias names should appear on my address. 

This has caused me to get denied for credit.
Product: Debt collection

Harass me with unprofessional behavior calls. I never dealt with this company
Product: Credit card

I activated a Chase credit card offer that provided 10 % cash back on a XXXX XXXX purchase, influencing my decision to complete the transaction. The offer was set to expire on XXXX XXXX, 2024, and I made a qualifying purchase of {$760.00}, which was posted on XX/XX/XXXX, 2024well within the promotional period. 

Despite meeting the offers conditions, I did not receive the advertised cash back. On XXXX XXXX, 2024, I contacted Chase customer support and spoke with a representative named XXXX, who offered me {$10.00} as compensation rather than the promised 10 % cash back ( Maximum cash back at {$50.00} ). I declined this offer and requested a formal investigation into the issue. I was assured that a case would be opened and I would receive a resolution within XXXX business days. 

To date, I have not received any further communication from Chase nor the expected cash back reward. I request that Chase honor the promotional offer as initially advertised and issue the appropriate cash back amount.
Product: Debt collection

I requested " validation '' of a debt I supposedly owe  to Wakefield and Associates. Th ey received the letter on  XXXX   XXXX ,  2017 . They sent me a copy of a bill for {$540.00} but the amount reported on my credit reports is $   XXXX .They were una ble to provide me with anything bearing my signature to prove I have an obligation to pay them. I pulled a credit report 30 days later and noticed the account was not updated as " disputed ''. I notified them of this and requested the account be removed from my credit reports. They responded by then updating my account as disputed and telling me the do not have to provide any additional verification. Not only has this company violated the law by not updating my credit report within the 30 day time frame, they are not bonded with the Te xas Secretary of State to even be able to collect debts in the state of Texas.
Product: Vehicle loan or lease

My name is XXXX XXXX and I purchased an auto from XXXX XXXX in XXXX of this year. I was approved through XXXX XXXX XXXX and prepared to make my payments as agreed. I was not informed that the auto had been re-contracted through Wells Fargo. I was made aware by an alert from my credit monitoring site that Wells Fargo was showing past due. You can imagine how upset I was because I was unaware I even had an account with Wells. I contacted the finance manager at XXXX XXXX and was told what had occurred. As soon as I was made aware that the financing was being handled through Wells Fargo I did get the account current. I was never made aware of the change of lender! My credit is perfect except for this one account that truly was not my fault. The Finance Manager even wrote a letter to Wells Fargo explaining the mix up and also explained that it was their mistake and NOT mine. I have included the letter that was sent to Wells Fargo from XXXX XXXX and their response.
Product: Credit reporting, credit repair services, 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 were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00}, XXXXXXXX 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

First things first, my father and I share the same name. We also shared an address and he co-signed one of my car loans. My father also passed away in XXXX. Upon paying off my car loan a few months ago, I wanted to check my credit reports to make sure the information was accurate. I had no issue with XXXX. Unfortunately that wasn't the case with XXXX and Equifax. My file was mixed and I was reported as deceased with both agencies. Both XXXX and Equifax asked me to submit documents ( Driver License and Social Security Card ) to prove my identity, which I did. I sent the documents certified, return receipt. Upon receiving confirmation that my documents were received, I reached out to both credit bureaus to find out if my issue was resolved. It took me about a week of hour long phone calls with XXXX before I finally reached a stateside supervisor who was able to fix my issue and lift the deceased notice off of my report. Now my remaining issue is with Equifax. They keep insisting that my credit report has been corrected, but I keep asking for proof and they keep stating that they have to escalate the matter. As of XXXX, XX/XX/XXXX, my credit report issue with Equifax is NOT resolved. I tried to adjust my a credit card interest rate with XXXX XXXX earlier and they stated that there is an issue with my Equifax report and they are unable to pull it to make a determination. I tried logging into XXXX  to view my credit report and went to make a dispute, but I received an error message asking me to contact Equifax, so obviously my issue is not yet resolved. I am legit exhausted from all of the back and forth and just need some assistance to get this resolved once and or all. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of an identity theft, I don't know who but someone stole my information and opened a fraudulent account under my name, first of all I don't have any credit, I don't know how this account was opened under my name, I don't know how the payments were made but didn't come from the account that belongs to me. I need this fraudulent account to be removed from my credit profile.
Product: Credit reporting or other personal consumer reports

I keep trying to create an account on Experian to unfreeze my credit report, but I always receive a message from them stating, " Your user account has been created, but the registration process failed for some reason. Please sign in to your account and try again. If you continue to have issues, please contact Customer Care at ( XXXX ) XXXX. '' I attempted to call customer care, but they were not helpful at all. They do not have human customer service representatives, so I could not reach anyone to assist me with my issue. Therefore, I am filing a complaint against Experian. I need a way to unfreeze my credit report with Experian.
Product: Credit reporting or other personal consumer reports

Hi, I have been requesting over and over to have my personal information updated as it is reporting inaccurately.

I have reviewed my credit report and found there are several inaccurate information within my personal identification which you are reporting. I want to ensure you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right to update your reports with the information that I have listed below immediately. The addresses that you are reporting are not accurate!!

To make your process of deletion easier, here is a list of my information in addition to the enclosed supporting documents. 

My First & Last name is as follows : XXXX XXXX XXXX. 
Please remove any other names you are reporting that does not match. 

My current street address is as follows : XXXX XXXX XXXX XXXX, GA XXXX Please remove any other addresses that are previously reported. 

My date of birth is : XX/XX/1993 Please remove any other dates or years you have listed. 

My employers name is as follows : XXXX XXXX XXXX Please remove any other employers that you have listed. 

Name : XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX  After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX Enclosed : Photo ID, Proof of SSN, Proof of Address
Product: Debt collection

I have disputed this acct with XXXX as it was opened fraudulently. They never resolved the issue and sold the acct to a collection agency. I have no knowledge of this acct never have I had XXXX services and some how they are confirming this is mines.
Product: Debt collection

I have been contacted several times by Clear Recovery. I have asked them four times to please send me information through the mail of all that they are saying that I owe them. I have been finding that some of my accounts are not correct ( they have either been paid or weren't even mine ). I was told to go online to find out. I have been refused each time for something to be sent in the mail to me with what I owe and why I owe it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it shows that I have an open account with XXXX. I never opened an account with them and when i filed an investigation they closed it and said nothing was fraudulently opened in my name.
Product: Credit reporting or other personal consumer reports

FCRA infringement alludes to an infringement of the fair crealt Detailing Act ( FCRA ) which is a government regulation that directs the assortment, spread, and utilization or customer credit data. you are supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement I'm entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct I demand them to be removed immediately they are causing me great stress and challenges and aside from this I am dealing with XXXX XXXX medicaly documented.
Product: Credit card

My mother is XXXX years old and has been XXXX ; she has a credit card with Discover and paid for the XXXX insurance with them for over 30 years. Because of her age and XXXX I am the legal power of attorney for her. We have contacted Discover numerous times to file the paperwork necessary to claim her XXXX insurance to pay her credit card bill and have given them a certified copy of the power of attorney. Discover received the claim and instead of contacting me, the power of attorney, they called her to obtain additional information and she told them she does n't have XXXX or any XXXX. Discover continues to collect funds she does not have and makes threatening phone calls because she ca n't pay her bill. Discover is now threatening legal action against an elderly XXXX woman who struggles to identify her own family let alone any credit card ( s ). On XXXX XXXX, we received a letter from Discover saying they are now going to turn this matter over to an attorney and take legal action on a woman who does not even know what year this is! We are asking for help to stop Discover 's predatory collections!
Product: Debt collection

I had s medical bill go into collections on XXXX/XXXX/16. I then paid in full {$820.00} and was told it would be removed from my credit. After going back between credit bureau and collection company the collections informed me that they could n't remove that the credit bureau would have to. Collection company even sent me a copy of the collection paid to send over to bureau. Was told after 30 days it would be removed but still hasn't.Other credit bureaus have removed completely but XXXX still has it listed as paid balance XXXX. This is hurting my credit.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my XXXX XXXX, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Company Name : XXXX XXXX XXXX - Acccount # : XXXX Company Name : XXXXXXXX XXXX XXXX XXXX # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Mortgage

On behalf of my Client  XXXX   XXXX   XXXX   XXXX  I applied for an SBA guaranteed working capital loan.     On no less than  7 occasions over the past four  months the loan committee has requested additional information, which they already had. These people were too lazy to look for the info they already had.     Additionally after two months they asked for cost of goods sold information when there is NO COST OF GOODS SOLD. This is a company that receives a commission for its sales to customers from a manufacturer. How stupid can these people be.
Product: Credit card or prepaid card

I began my relationship with Synchrony via Care Credit nearly XXXX years ago. At that time my credit report had the exact same things listed as it does now, other than my newer accounts. I used this account at my XXXX, paid on time, and paid the card off several times before the promotions ended. This card carried no balance and had for months.In XXXX I see that my account is closed. I never received anything about its closure so I reached out and was basically told theres nothing that could be done and they would send another letter. In this letter they listed the reasoning, which was no different when they extended credit nearly XXXX years prior and gave me a higher interest rate. The only extra excuse they gave was No first mortgage listed. So, during a housing crisis and soaring home prices, Synchrony feels that not having a mortgage is a reason for no longer extending credit ( because everything else is the same ). This hurt my credit badly. Now, in the last XXXX months they have dropped the spending limit on my Sams Club card, as well as my XXXX XXXX XXXX card for the same reasons. Again- no collections, no late payments, etc new on my credit since they extended credit to me. However now my credit ( according to them ) has dropped nearly XXXX points. I have pulled my XXXX scores and can not find the score they are using, which I assume is the XXXX XXXX XXXX ( most often used by credit card companies ). My XXXX XXXX score from XXXX isnt showing the same as what synchrony is citing. I also pulled my credit reports from all XXXX bureaus and can not find anything harmful recently that would adversely affect the decision made by synchrony to deny credit. All of my payments have been made on time and I had paid off my Sams and Care Credit multiple times. No other creditor has done this to me. Theyre harming my credit simply because I do not have a mortgage. All of these other potentially negative things were there PRIOR to the extension of credit. This is an unfair practice and I have read the comments of so many people that they have done this to also. Someone please investigate these unfair practices.
Product: Mortgage

I make my mortgage payments automatically every month from my bank account. My regularly scheduled payment went out on XXXX XXXX 2017 as usual. However the company has failed to apply it to my account. So they continue to send me notices that I have missed my payment. I have sent them an image of the processed check - cashed by them - plus the activity statement from my account showing the payment. I have sent this information more than once and my account is still not reflecting the payment. Meanwhile they are escalating payment collections. When I sent an inquiry via email I did get a response asking me to fax the information, However, after multiple tries at faxing, their machine is always busy and I can not send my information. So i have sent it to their customer service email multiple times. I asked for the situation to be escalated but i do n't think this has happened. This is actually the second time this has occurred with this company, The first time, one email with the processed check image was sufficient. 

Copies of the information that I have sent are attached.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am reaching out as a devoted single father to XXXX children, a 90 % XXXX veteran with a significant portion of my XXXX related to XXXX injury and mental health issues. These conditions have profoundly impacted my ability to manage financial responsibilities, particularly regarding my accounts with Suncoast Credit Union and XXXX XXXX XXXX XXXX. 

My status as a single parent and XXXX veteran brings unique challenges, including managing our household 's financial needs. Negative entries on my credit report, directly resulting from my XXXX, have significantly hindered my access to essential credit. This limitation has made it increasingly difficult to secure financial products, such as home equity loans or lines of credit, that could vastly improve our living situation by allowing me to consolidate and pay off existing debts. 

The Americans with Disabilities Act ( ADA ) mandates fair treatment and accommodations for individuals with disabilities, and the Fair Credit Reporting Act ( FCRA ) requires accurate representation of an individual 's credit information. The denials of credit I've faced, due to the negative reports from Suncoast Credit Union and XXXX XXXX XXXX XXXX, effectively act as indirect discrimination. They overlook the impact my XXXX has on fulfilling standard financial norms. 

In light of these challenges, I respectfully request your intervention in advocating for the removal of the following negative entries from my credit report, attributable to circumstances beyond my control : Late payments and closed account. 

This request comes from a place of earnest hope for understanding and accommodation from both Suncoast Credit Union and XXXX XXXX XXXX XXXX. The equitable treatment and removal of these entries, I believe, align with the ADA and FCRA principles. Furthermore, it would significantly aid in securing a stable financial future for my family and me. 

I anticipate a comprehensive review of my case and the hopeful removal of the specified negative entries from my credit report. I kindly request written confirmation of these changes or, if the information is deemed accurate, a detailed explanation of the findings and subsequent steps. 

Thank you for considering my request and for the support you provide to consumers facing financial challenges. I remain available for any further information or clarification needed.
Product: Credit card or prepaid card

I noticed in XX/XX/XXXX, that the amount of my payment on my credit card had doubled but could not read the ebill and thought maybe I just missed the last payment ( missing payments is not something I do but my mom had major XXXX and I was her caretaker ), so I paid the higher amount, in XX/XX/XXXX the payment was even higher so I went to my home and found the statement and noticed that my card had gone from approximately {$1400.00} to almost {$5000.00}. The charges on the statement were from Minneapolis, California and Wisconsin and most of the charges were for XXXX in California. The statement had 13 pages of charges from XXXX, XXXX, and XXXX etc. In all of the above states I have not been too. I immediately call Bank of America to report the fraud. She told me it looks like they tested it in XXXX with one charge, XXXX with a couple of charges and then went crazy in XXXX, XXXX and XX/XX/XXXX. ( My credit card was in the safe at my home ). They credit my card back the {$3300.00} and opened an investigation. I received the first letter from Bank of America on XX/XX/XXXX, letting me know they had credited my card back, sent a new card and the investigation was opened. I received the second letter on XX/XX/XXXX, saying the investigation was complete and the charges are mine and I would need to pay them. I again called Bank of America and explained the situation to another employee and he reopened the case saying he was confused because I live in XXXX, Nevada and the charges are from other states. At that time I told him I would need to see something where I or my husband had signed for any of these charges and an explanation of what the investigation showed. I received a third letter on XX/XX/XXXX, saying the investigation is complete, the charges are mine and I could go to the three consumer reporting agencies and dispute them their but I would still have to pay the {$3300.00}. I have still not received anything with mine or my husbands signatures on them or the reason the investigation showed I had made these charges and why. Our credit rating right now is in the high 700 and I want to keep it that way but these are not my charges. I am at a loss what to do next.
Product: Credit reporting or other personal consumer reports

I went to checkfreescore.com to get my 3 credit scores and they charged my debit for {$1.00} to verify who I am. I could only access one as it kept showing that the other two were unavailable. Now a week later and I saw a charge for {$39.00} on my debit card that I didn't authorize so I cancelled my debit card and I am disputing the transaction. I called the company and they tried to claim that I had accepted the ultimate membership and I informed them that I had not and I kept getting the runaround and they refused to issue me a refund! I found that they had done this to numerous other people! 
XXXX XXXX XXXX XXXX XXXX XXXX