23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for an American Express Platinum card XX/XX/2016. The advertised offer claimed that after meeting {$3000.00} of spend within 3 months ( not inlcuding membership fees ), I would receive XXXX Membership Rewards points. I completed the minimum spend and received the XXXX points within 3 months. on XX/XX/2016, American Express removed the XXXX points from my account, stating that I violated terms and conditions, which I did not. I believe that American Express violated the terms of their offer and removed points that I earned without merit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to delete and correct some of the data on my credit report, but there are still some items that need to be removed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Prepaid card

Incomm has been ignoring my open complaint for more than two months regarding a prepaid gift card manager by them. Their gift was non-usable in any of the stores and after multiple attempts, I decided to surrender athe card and get a replacement. On XX/XX/2023 I raised a complaint and was told I will be getting a refund sent to my home address with in 7 to 10 business days. The case if they have provided for my issue is XXXX opened on XX/XX/. Since then I have called them multiple times. But not even a single progress on it. Every time I cal them, they ask me to reach back in 24 to 48 hours. Every agent attending to my issue mentions the same as an automated message. All I request is the latest update as the card has been blocked with funds on the same date of case initiation. Since then I have no clue on what is the investigation they are doing even after holding the money. I reached out to their management team over XXXX. I activated the XXXX just to explain about the poor customer service I have even going through. I did get a response that my complaint is forwarded to the right team and I was reached out by this team and told that my refund will be sent through XXXX. But then no response after that. Complete carelessness and poor customer service from incomm. No one wants to own the issue even after its escalated. It looks like a scam and not sure how many folks are still waiting like me for months to get the refund!
Product: Credit reporting, credit repair services, or other personal consumer reports

To date, my credit reporting still reflects Not Reported NR for the months of XXXX XXXX 2017, which  is highly affecting my credit score and the ability to credit worthiness. That said, I NEVER gave written nor verbal authority/permission to Caliber Home Loans, XXXX nor the U.S. Federal Trade Commission to suppress my credit reporting under any circumstances nor did I suspect any fraudulent activity to my account.
Product: Checking or savings account

My mother passed away on XX/XX/XXXX. I first went into the XXXX branch of Bank of America on XX/XX/XXXX but they would not see me without an appointment, so I made an appointment for XX/XX/XXXX. On XX/XX/XXXX they called to confirm the appointment, I spoke to the rep and she gave me a list of what to bring - ID, copy of the death cert, surogates letter, etc. - and I had all of this. I went to the appointment on XX/XX/XXXX - sat and waited 30 min for the rep - then she asked me to wait again while she helped a 2nd person, so total wait almost 45 min ( note this was during my 1 hour lunch ) and then when I was being seen, she first started doing the wrong thing, then once I corrected her - she told me she needed a original of the death cert so she could scan it to them - I had a scanned copy - that would have worked fine ( this was confirmed by 2 other BOA people ). So she stopped the process and told me I had to come back. I made anther appointment - but suddenly that branch was closed so my appointment got bumped to XXXX XXXX 30 min from my house ) and I went there on XXXX as that was their next availability. Got there to meet with " XXXX '' but his computer was down so he could not help me ( he also was the ONLY ML rep at that branch - part of my need was ML ) but XXXX told me she could help - but she had someone in front of me - again waited about 20 min - then XXXX started the process and scanned over the docs required. But told me she cant approve the process- XXXX in Corp had to approve it, and she cant help me with ML. She told me she would watch the approval and call me back when I could come in to close the account ( this was XXXX it is XXXX and no call back ) - I went away for a few days and let things wait as I was out of town - no calls - no email, no anything from XXXX. On XXXX I tracked down " XXXX '' ( XXXX ) and spoke to him. He told me he would reach out to XXXX and finish with her and she would be in touch shortly. 24 hours later nothing still. He also told me the ML account could be closed and to send him a form with wire instructions so he could wire - 24 hours later nothing as well. This morning I sent a follow up email to him - no response. Reached out to estate services - no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, JPMCB CARD SERVICES add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit card or prepaid card

Amazon Synchrony never issued me a physical card but I was able to order items from Amazon and I had several items on recurring automatic orders. I was automatically signed up for internet-only statements. I have been unable to log into Amazon because XXXX told me that my email address had been compromised. Amazon continued to send me the automated orders and I tried to discontinue the orders but I was unable to do so because the system would not give me access in order to update my email address from XXXX to XXXX. Afraid that my bills were going delinquent, I started paying {$100.00} a month to Amazon Synchrony. On XX/XX/23, I was advised to close the account because I was still getting items that I neither wanted or needed. When I finally received copies of my statement, I saw that Synchrony had given me a {$360.00} credit balance refund on XX/XX/23. I never received the check. When I called customer service again on XX/XX/23, I was told that Synchrony would reissue the check. I received a check for {$24.00}.
Product: Debt collection

Recieved numerous calls per day from an unfamiliar number. Up to 3 times per day. Calls would be all days of the wk. Never left a message, so I wasnt sure if it was telemaketers or not.   Once I finally answered, calls were from  Capio Partners . They were calling about a   XXXX   balance due to an  XXXX  visit. Keep in mind, this company has never mailed me any documentation.   Due to circumstances, we 're currently a  XXXX  income family at the moment. I tried to set up a payment plan, and they demanded debt to income info. The representatice said " this is a new account, and you need to pay  XXXX  % of the balance before it 's reported to the collection agency. '' They 've harassed me. Failed to notify me in writing. And threatened to report to credit bureau if I did n't pay the   XXXX   % today. All of these actions does not change my ability to pay more than I have available! Horrible service from a collection company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2022 I contacted XXXX XXXX about a family member opening a card in my name Ive disputed the item but its still on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX # : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

I detected a fraudulent charge on my card and reported it immediately ( w/in a day of the charge ). Chase ( the issuer ) reissued my card then proceeded to bill us for the charge. Only a second call and a lot of run around got the charge reversed. They acknowledged that they knew the charge was fraudulent, claimed to have made a mistake, and just claimed ( again ) to have corrected it. Creating confusing and complicated barriers to a fraud claim seems a clear attempt to profit from criminal activities and ( needless to say ) violates the terms of our credit card agreement.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024, I was in the market for a new card. I reached out to XXXX XXXX directly and applied for a new auto loan, which was declined. I reached out to the local XXXXXXXX XXXX XXXXXXXX to see if they could reach out to underwriting and see if there was anything that could be done as I had multiple auto loans with them in the past and have never had a decline or late payment with them. They asked me for my social, I let them know I had already applied and did NOT want to go through another application. They said they would NOT rerun my credit, they just needed my social security number to locate the existing application with XXXX XXXX A day later, I noticed a new hard inquiry on my credit report. I did not authorize that. 

I then used XXXX XXXX preapproval site for auto loan opportunities. It very clearly states that this will NOT impact my credit, that their will NOT be a hard inquiry. 

XXXX XXXX partnered me with autopay.com. On there website, it also clearly states that there would be no impact to my credit and would be a soft inquiry only. Over the course of 4 months, they partnered with several auto loan companies that hard pulled my credit report and generated XXXX inquiries I did not authorize.
Product: Mortgage

On XX/XX/XXXX I received a letter from Franklin American Mortgage that my XX/XX/XXXX payment was XXXX less than the correct payment amount. I called the customer service line and was informed it was due to no proof in insurance, they forced place insurance coverage on my mortgage resulting in a short payment. I subsequently sent them a copy of my contents policy ( HO6 ) with them listed as additional insured. I was informed that they would reverse these charges and my account would reflect everything was normal. 

On XX/XX/XXXX I received a letter from Franklin American Mortgage ( FAM ) company indicating that they did not have proof of insurance coverage. I should provide them a certification of this coverage from the " master policy '' for the condominium association. I called the condo association who gave me the name of our insurance agent who provided me with a copy of the declarations page listing FAM as lean holder. 

My XX/XX/XXXX payment was cashed and it indicated that once again I was short {$73.00}. I called the mortgage company who told me that I did not provide them with proof of coverage for my condo. I asked them to look in their system and the previous conversation regarding the insurance situation. They said they would make the correction and to call them back in 3 or 4 days to verify things were corrected. 

Turns out that FAM was looking for declarations pages for XX/XX/XXXX, not XX/XX/XXXX ( a year and 4 months later ) which no one on the insurance desk or the customer service desk could articulate to me. I did in fact not have my HO6 policy in place for that year and sent in {$880.00} to pay for the forced place policy to clean up my escrow balance. 

On XX/XX/XXXX I sent in my payment of {$1300.00}. This is the payment that I have sent in for the past 4 years. I received a letter about 10 days later along with a check for XXXX saying I was XXXX cents short and they were returning my payment. I immediately sent in another check for {$1300.00}. I received in the mail another letter from FAM saying that they were charging me a late fee for not paying my mortgage on time. 

I called FAM on XX/XX/XXXX and asked them why did my payment go up XXXX cents. The CSR put me on hold, did some research, came back on the line and told me my normal payment was back down to {$1300.00} and that the XXXX cents they added to my escrow account would be reversed. As of the the writing of this complaint, the mortgage still shows the late fee and an escrow balance of XXXX cents. 

My complaint. The customer service line makes comments that they will reverse the situation and correct my escrow account and balances. They continually send me letters that are in direct contrast to what the CSR 's tell you on the phone. My credit has been downgraded, I have been penalized for late interest, my payment went up XXXX cents for no apparent reason. I have once again been promised by FAM that they will reverse all these issues, but have no faith in their promises.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized hard inquiries on my credit report. I have recently obtained a copy of my credit report and noticed a hard inquiry listed that I did not authorize. 
I understand that hard inquiries can negatively impact my credit score, and it is important to me to maintain an accurate credit report In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below : 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
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close/permanently unable my PayPal account XXXX I am using my Paypal account for my online business/jobs - Encoding tasks and accounting consultation of selected companies since 2021. My Paypal accounts ' funds, XXXX and XXXXXXXX XXXX XXXX have been stuck in it that I have to withdraw asap for emergency purposes. Thru your benevolence, I am hoping that I will get back my account and be able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see the attachment.
Product: Checking or savings account

I opened an account with Truist in XX/XX/2021 bc I have an auto loan there, as well. I then deposited {$5000.00} ( {$2500.00} in checking {$2500.00} in savings - I have attached a screenshot from my confirmation email. Shortly thereafter, Truist apparently closed my accounts without notifying me at all and then my balances went from {$2500.00} in each account to {$250.00}, so {$4500.00} literally disappeared from my accounts and Truist has REFUSED to allow me to withdraw my funds for almost 8 months now. I escalated this 5 times since XXXX and Truist has given me absolutely zero help and XXXX XXXX at the XXXX branch wont even take my calls to tell give me an update on why they are still holding my money after 8 months. This should be against the law when they are holding MY money that I cant even withdraw, yet they are still trying to charge my account for the monthly maintenance fee. This is absolutely inexcusable and something needs to happen to Truist so they no longer are able to do this to account holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 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 applied for Discover it Credit Card XX/XX/XXXX received card when I tried to activate it I received email from Discover stating to activate card I had to provide " Notarized Enhanced Verification Form '' I declined to submit form because I already had a Discover it Credit Card and felt it was unnecessary to submit notarized documents that they required. Email said card would be declined in 14 days if they did not receive documents. On a XXXX/XXXX/XXXX I received a statement for credit card ending XXXX never used or activated the charges are not mine total charges {$1200.00}. I tried to call Discover on XX/XX/XXXX office was closed. I wrote a letter XXXX/XXXX/XXXX to Discover XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. ATTN : FRAUD DEPT/BILLING INQUIRIES DEPT staring that these were not my charges and I had been a victim of identity theft sent copy from Federal Trade Commission Identity Theft Report Numbet : FTC XXXX XXXX Received letter XX/XX/XXXX from Discover staring that they were investigating it and they sent " Affidavit of Identhty Theft '' which I completed and sent back to them. They stated it could take up to ninety days to complete. Never heard back from them so I assumed it was resolved and taken off my credit report. On XX/XX/XXXX I received a statement from Discover in the mail statement ending number XXXX amount I owe {$1300.00}. I wrote them another letter XX/XX/XXXX asking for an explanation with the following enclosures : Copy of letter dated XX/XX/XXXX XXXX of statement ending XXXX ( disputing Copy of statement ending XXXX ( received in mail XX/XX/XXXX no idea what this is )? 
Copy of email received XX/XX/XXXX to have notarized enhanced verification form. 
Copy of Identity Theft Report filed with FTC Copy of Letter XXXX XXXX ( my Mortgage Co ) notifying me in data breach Copy of the only Discover Card I have ending XXXX no balance owed. 
I appreciate your help as I can not get any cooperation from Discover how can they charge me for a card that I could not activate? Now they are showing it on my XXXX Credit Report as a delinquent payment history, which is undermining my XXXX XXXX by XXXX ponts.
Product: Debt collection

I am XXXX years and I have never had a XXXX Cell Phone. I also have never lived in the address associated ( XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX ). I lived in XXXX XXXX XXXX XXXX XXXX PA XXXX since 1991. I have filed a police report when I learned this was on my credit report. I never received any mail of the delinquency because sprint NEVER had my real address. I have sent the report with letters to all the bureaus but they send me the actual BILL back saying the debt is valid. AND IT 'S NOT! I asked them in several letters to send me the contract to verify my signature and they have NOT done so. If they see my Identification card and my social Security card I 'm 100 % sure the signatures wont match. I should not be liable for this debt Please help me I live on social security and my credit has never had a collection in all life until now. I have always paid all my obligations I never neglected to my priorities but someone has taken advantage of me and stole my personal information to obtain this debt. In my hometown there are people who work in these stores and to obtain a commission they allow people they know to open accounts with someone else info. I was victimized.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM MY BUREAUS TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Debt collection

This company continues to report accounts to my credit profile.

They are aware that i XXXX XXXX and want me to send over a P.O.A. That is not mandated by the FDCPA nor Debt collection laws in the state of Florida.

Please Validate any and all account pertained to me in your office and send firm proof of the alleged debt.

Account Reference : XXXX. this is the only reference number i have but they are reporting three.