23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called American Express after opening a XXXX XXXX XXXX XXXX to inquire about a promotion offered for XXXX miles if you hit a certain spend threshold. The representative was going to contest my being declined for the rewards and would get back to me. I followed up on XX/XX/XXXX and the representative told me that the miles were approved and I will be receiving them. Based on that information, I made financial decisions with the knowledge that the miles were coming : I made a large purchase that day on the Amex card instead of using a different card, and I also redeemed miles for a flight that I otherwise would not have done. I called back on XX/XX/XXXX to check on the arrival of the miles and the representative said they were coming and they take 6-8 weeks from the point that the spend threshold is met. By XX/XX/XXXX, the miles had not arrived so I called Amex again. For the first time, the representative told me that my miles offer was declined and that I would not be receiving the miles. They had no explanation for why two previous representatives informed me that the miles offer was available to me and that the bonus miles were going to show up in my account in a matter of weeks. They also had no specific information as to why the miles offer was denied. Additionally, Amex sent me a mailer asking me to apply for the same card and that there was a similar offer of ( now ) XXXX bonus miles. At the end of the day, we're talking about ~ {$1000.00}. It's not an insane amount of money. However, I was given specific information that I'd be receiving this bonus from TWO representatives ( on XX/XX/XXXX and XX/XX/XXXX ) and I then made financial decisions based on this false information. While the representatives may have been misinformed, that's on Amex and not on me. I have enjoyed my different Amex cards and their services since XXXX, but this is ridiculous. Amex is supposed to be the company who fights issues like this for their cardholders ... they shouldn't BE the issue. I then reached out to the XXXX XXXX XXXX to have them assist in getting this resolved. AMEX did not resolve the issue, but they sent me a written letter in the mail claiming that their representative did in fact tell me that my appeal to be eligible for the promotional bonus miles was successful and that I would be receiving the bonus miles when I hit the spend threshold. The letter continued that they would retrain this individual. They apologized. They also stated that I will still not be receiving the points. I have this correspondence where they admit fault and follow up to do nothing in the way of making this situation correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will like to flile a claim against XXXX in the amount of {$59000.00} for a debt of student loans! I would like XXXX to validate that these debts are mine XXXX XXXX XXXX, by providing me the original wet signature contract for all debts listed below! furthermore I would like to request a copy of XXXX XXXX and validation of original loan amounts and dates to which these debts occurred, ( listed by account number below ) are attached to! If all of the documentations are not sent, I will like for XXXX to reach out XXXX, EQUIFAX and XXXX and remove all debts from my reports. 

# XXXX {$9700.00} # XXXX {$4400.00} # XXXX {$4300.00} # XXXX {$8000.00} # XXXX {$4100.00} # XXXX {$4000.00} # XXXX {$1900.00} # XXXX {$1500.00} # XXXX {$7800.00} # XXXX {$1900.00} # XXXX {$1200.00} and any other debts you are wishing to collect on! please validate and stop reporting!
Product: Mortgage

I have been in a Loss Mitigation or forbearance process since XXXX. Flagstar sent me a contract that I approved, notarized and sent in payment. They cancelled the contract without me knowing it. I have been unable to come out of XXXX Forbearance successfully and have my loan modified. They tell me something different everyday.
Product: Credit reporting

I requested my annual report but they seem like they comply.I have this problem every year.
Product: Checking or savings account

To Whom It May Concern, I am writing to lodge a formal complaint against Digital Federal Credit Union ( DCU ) concerning an issue that has not only caused me significant inconvenience but has also led to a misleading representation of my financial standing with the institution. On XX/XX/year>, I discovered that my account had been locked, preventing me from accessing my online banking, following a single missed payment. This action taken by DCU was not only drastic but also lacked the provision of adequate resources or options to regain access to my account. 

Furthermore, upon contacting DCU to address this issue, I was informed that my account was reported as being 59 days past due. This information is factually incorrect and grossly exaggerated, as the actual duration past the due date for my payment was merely 10 days at the time my account was locked. This misrepresentation has caused undue stress and potential harm to my credit reputation, as it inaccurately reflects my financial behavior and reliability. 

The lack of communication and support from DCU in this matter has been deeply troubling. Not only was I not provided with any prior warning that my account would be locked due to a single missed payment, but the subsequent inability to access my own financial information or make immediate rectifications has placed me in a precarious financial situation. 

This situation raises serious concerns regarding DCUs practices in handling account delinquencies and customer communications. It is imperative that financial institutions operate with transparency, accuracy, and fairness, especially in matters that can significantly impact a customers financial health and access to their own money. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Membership number : XXXX
Product: Credit card or prepaid card

Citibank Mastercard increased the interest without warning.

They are charging extremely high annual percentage rates and interest, I will never get a chance to pay my credit card bill off. I have been with them since XXXX  and my credit score is over XXXX they are clearly taking advantage of me. I'm paying them more than the credit card itself. *********PLEASE NOTE *********** I DO NOT USE THE CARD JUST MAKING MONTHLY PAYMENTS HOW CAN I PAY THE CARD OFF WHEN THEY STEAL XXXX XXXX PER MONTH ( APR 24 % ) WITH GOOD CREDIT, I HAVE NEVER BEEN LATE, THIS IS RIDICULOUS. 

I feel scammed. Please investigate this matter asap. 

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

XXXX XXXX keeps sending my check back to me then marking it late adding fees and calling non-Stop. They have done this all year. My father passed away in 1984, so all assets were frozen I advertise and was paying bills out if my own pocket. XXXX took my XXXX card and put it in my name plus added the business name onto it, we have had this commercial bank account since 1984. Anyone I speak to at XXXX is just repeating the same thing this ya an attempt to collect a debt. I have copies of all the checks sent back and I even received a letter from them stating they would not take off interest or Late fees. NOT FAIR! Ive never been late they know whos payment it is, I mail it back and they mail it back to me. Not sure what to do but my patience are wearing thin we are going on 7 months! And Wells Fargo is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a restraining order during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted. and Wells Fargo is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a restraining order during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted Wells Fargo has read my decree and they have my deed in Lou of foreclosure that I paid for myself Soli my ex-husband paid nothing towards it he wanted it to go into collections so between these two banks we need to get this straightened out
Product: Bank account or service

On XX/XX/2015 J.P. Morgan Chase withdrew from my checking account {$6600.00}, apparently on IRS behalf. After the internal file went through the complaint department, J.P. Morgan Chase confirms funds wo n't be returned, unless IRS authorized. I have never received any communication from IRS, and after I called them I was told to talk with the bank. As mentioned above, the bank wo n't return me the funds. So I feel abandon and extremely frustrated. The reason why the funds were withdrawn is because XXXX form was incorrectly filled out BY, J.P. Morgan Chase. Moreover, this situation is causing me financial issues as I ca n't afford the bill is committed myself.
Product: Credit card or prepaid card

This seems to be a recurring issue with your XXXX  credit card. The same issue happened around XXXX where I was not awarded the appropriate number of stamps. It happened again in XXXX, last month. The last time you all told me that it is a XXXX issue. I am trying to get answers one more time before I close this account and just go to a competitor. I would think that you would want to make sure your programs are companies you deal with to be ethical, and to make sure your customers get what is advertised. As you can see on the attached statements, I earned XXXX stamps, but I was only awarded XXXX on my XXXX account. I try to call XXXX, but their reps are outsourced and can not fully comprehend XXXX. They keep asking for an itinerary number, but I keep telling them the issue does not pertain to an itinerary number, but a missing stamp that I earned thru purchases with my XXXX credit card. Again, if the only thing you can tell me is that I need to contact XXXX, I will have no choice but to close the acct, as I can not keep spending all this time to ensure your program credits as advertised.
Product: Credit card

Citizens Bank Credit Card Fraud Department on XXXX I lost my physical card and someone made fraudulent purchases. The bank contacted me and I told them it wasnt me. Even when I was on the phone someone was trying again the young lady informed me. After that I received a letter telling me Im responsible for those purchases after their investigation. I did not make any of those purchases and Ive been trying to speak to a representative from the claims department for 4 months now. They keep telling me that someone will contact me. The first time they said I have to wait 2 billing cycles. Then they said 14 business days and the last two times I called they told me to wait 72 hours. They said theres nothing they can do and I cant contact the claims department. So Ive been waiting on a call to get this resolved for 4 months now. At this point it feels as though theres nothing I can do l. Ive done my due diligence and Ive contacted them more times than I can count in this time period with not even a call back. I just want my funds back for the purchases I didnt make. Once again this is regarding the CITIZENS BANK CREDIT CARD FRAUD DEPARTMENT.
Product: Credit reporting or other personal consumer reports

Please see the FTC report regarding inquires I just noticed on my credit report. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. I must reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Debt collection

Despite my repeated attempts to dispute and rectify the situation, the fraudulent accounts remain, and I have not received any conclusive information from your investigations. It has been well over 60 days since the commencement of the investigation, and to my dismay, I have not received any updates or resolution regarding these fraudulent entries. 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!! XXXX have already removed this account from their records. 
Furthermore, I insist that the credit bureau refrains from reporting these fraudulent accounts until they can be accurately verified. It is imperative that inaccurate and potentially damaging information is not disseminated, especially when the bureau is unable to substantiate the validity of the items in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account 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 an account without my written instructions.
Product: Checking or savings account

I tried to open up a savings account at Chase Bank in XXXX, NJ on XX/XX/2022 with a personal check from XXXX XXXX  in the amount of {$1000.00} of which their personal banker agreed to accept and place into a savings account at Chase Bank. He told me that the bank would need to accept my application for the savings account but he didn't know when that would occur, but that I could view my account over the internet, and he did say that the personal check would take a few days to clear. I then filled out the necessary paperwork and provided him my driver 's license and social security number. A few days later I checked on my Chase App on my phone and the funds were in my account then I proceeded to close another account with XXXX XXXXXXXX XXXX and I received a XXXX XXXX for {$4500.00} instead of a Bank Check and on XX/XX/2022 which I also deposited into the same savings account at Chase Bank. This time I was told that due to reasons unknown to me or to the teller at Chase bank that the bank needed to hold the check until XX/XX/2022? So I agreed to wait, I then tried to access my savings account on the internet to see if this check was deposited on XX/XX/2022 and XX/XX/2022, but I couldn't find the deposit. So I reached back out to the bank and left my information to call me back about the disposition of my account. I was then contacted on XX/XX/2022 by the same personal banker who stated that my account was closed by the bank. I was told that information provided showed " suspicious behavior '' with my social security number and so the bank closed the account. I asked what they meant by " suspicious behavior '' and I was told that someone else 's name was on my social security number, but that they wouldn't disclose who this person had been or what was the issue. So they closed my account. I asked when am I going to receive my {$5500.00} dollars that was deposited into their bank? I was told that at some point the bank would mail me a check for the amount, but that I was told that I can't visit the bank to retrieve these funds owed personally. I'm concerned that both checks should have cleared by now and they should allow me to get my funding back and let me know who or what was the reason for closing my account. It just seems very suspicious behavior. I came to Chase Bank in good faith and I feel that the bank is not being transparent or giving me back my funds that they are holding XXXX? If there is fraudulent concern I would hope that they would contact the authorities instead of sweeping things under the rug, so I can go to another bank or back to my previous bank. I just feel like they are stalling for some reason? I'm worried that other consumers who maybe like me are dealing with similar concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. I have contacted these creditors already and they have nothing on file under my name. I am demanding the deletion of these inquiries now. 

XXXX XXXX XXXX XX/XX/2021 XXXX For- XX/XX/2021 XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXXXXXX XXXX ( Private SSN : XXXX ( Private XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been fled to request pursuant to FCRA 5 6068 ( 15 U.S.C. 5 1681c-2 ) that you, the TransUnion, XXXX, XXXX, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulert, inaccurate, and false information consists of a personal account XXXX XXXX XXXX XXXX {$1300.00} opened XX/XX/XXXX account # XXXX hard inquiries- 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 resulted in several fraudulent hard inquiries i consumer FICO credit report. I've attached a list well as a copy of the consumer FICO credit report maintained by you which show fraudulent Collection & hard inquiries. I do not recognize the account jor hard inquiries as reported. The aforementioned account appearing on my consumer credit report maintained by you. All of the aforementioned accounts, collections. of identity theft and fraud. I have attached a copy of FTC Identity Theft Crimal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and Fraud.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan with Splash Financial in XX/XX/2023. The application process required uploading various documents, including a paystub, driver 's license and bank statement. I made multiple attempts to upload each document, but had a difficult time completing this upload requirement. Since I could not upload my bank statement, I asked for a work around ( eg, sending the statement to a general inbox ), but there was no alternative option for submitting documents. This became a source of frustration for me. 
On XX/XX/2023, I spoke to a representative, who attempted to provide assistance. He was very professional. However, through our phone conversation, it was discovered that an incorrect email was input into the system. I was told that anything submitted in error could only come from the customer 's end. I asked if they could change the email, but the rep said it was not possible and that if I wanted to move forward with a new loan I would need to withdraw and resubmit the application. I agreed to this. 
After my application was withdrawn, I created a new account and reapplied, but the system rejected my application. 
I am upset about what happened for several reasons : 1. I was highly inconvenienced in this process while attempting to submit documents over the course of several weeks. This turned out to be a waste of my time.

2. The application process was inflexible and had no mechanisms in place to receive my documents in an alternative manner.

3. The company ran my credit as part of the process. My credit took a hit with a hard check and now I am left for the moment with nothing.

While Splash Financial has appealing loan offers, the company needs to do a better job of streamlining its loan application process so that the experience is more seamless, instead of a hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Credit Bureaus/Agencies ( XXXX and TransUnion ) and the Creditors ( XXXX XXXX and XXXX XXXX XXXXXXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Debt collection

Left many voicemails in regards to collections issues. It was removed afterwards only to be added again. I have disputed this several times previously with all bureaus and CFPB. Both the XXXX XXXX XXXX and the XXXX items. These debts have changed collection agencies too.Have these bureaus provided any correspondence by mail or when they actually attempted to or have spoken with me. They haven't tried to at any time. Its also been disputed with XXXX  XXXX. I have many times with XXXX  and they sent my information back in the name of XXXX XXXX with no reference to the items I disputed and in someone else 's name with my information. Only account standing but no collections information. This has been sold more than once, why cant the bureaus do something about this and I don't understand if I was paying the original creditor how it could be turned over to an agency anyway? I sent a letter regarding the same and they then changed the amount they stated I owed.It also disputed it and had it removed. How can I owe them both? I had many issues with XXXX acct # XXXX and contacted the FCC regarding and was allowed to port my number after the dispute to XXXX. At which time my bill was substantially reduced due to erroneous charges. 

For XXXX # XXXX I contacted the collection service XX/XX/18 and also sent proof of the new insurance with XXXX. I switched from XXXX because declarations were being removed that I hadnt requested, policy increases but no information on and no return calls after two voicemails were left. I notified XXXX before I switched and after they send a premium request on XX/XX/18. I spoke to XXXX in XXXX @ XXXX on XX/XX/18 XXXX XXXX.I advised of having new insurance. I currently don't owe XXXX any monies, so the XXXX they are trying to collect isnt correct. My premium was XXXX, so how do they have the wrong amount as well?
Product: Prepaid card

I purchase an American Express gift card for {$250.00} plus {$6.00} purchase fee back on XXXXat our local XXXX store. I tried to use the card on line to purchase an Item, and it said it was declined. Then yesterday I tried it at the grocery store, and it said the said thing DECLINED. I have tried to contact them several times and all I get is punch this buttom for this or that, then push this buttom. Can not get thru to anyone. And I do have all of my recepts. What else can I do. I need this money times are very hard, and I feel like I in some way am being scammed by AMERICAN EXPRESS. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the covid 19 global pandemic I was unable to make my payments on my XXXX XXXX with XXXX XXXX on time for the months of XXXX of 2020 and XXXX of 2020. I have since resolved this issue with XXXX themselves, they updated the remarks on the late payments to remove the late status on those payments due to the pandemic. XXXX and XXXX have updated my reports but Experian not only haven't, they updated it back to late status. This is hindering my overall credit thus hindering my ability to purchase a home.