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

Issues with Discover Price Protection Claim. 

I purchased a TV on XX/XX/XXXX for {$1300.00} using Discover Credit card with an online retailer. 
I noticed the same item was on sale on XX/XX/XXXX for {$1100.00} through a different online retailer. Rather than returning and re-buying, I decided to use the Price Protection benefit  offered by Discover Credit card for the difference in the prices which is {$250.00}. 
For this claim I submitted the following documents as requested by the Discover Benefits XXXX following all directions correctly. 
1. The Sale receipt showing the price I paid ( {$1300.00} ). 
2. Credit Card Statement from Credit Card showing that I used their card for purchase.

3. Lower-Price Ad ( Screen shot or scanned copy of advertisement showing the lower price ) - I submitted the screen shot showing the date that the item sale price.

I have 90 days to submit the claim. I submitted within the first month all the above. Now the Discover Benefits center is not processing my claim telling that items are missing. 
They sent an email saying this, " We were unable to verify the advertised sale price. Please submit verification of the sale price. The verification may be a written statement from the store manager on store letterhead, email, or chat session including item number, description, date, lower price and contact number '' If they required such things to process their Price Protection claim they should have mentioned these list in the first place. In terms and conditions they have not mentioned the requirement of any of these.

Now dating back I am not able to get the online vendor to verify the price for me. There is no use for me to resubmit the Price Protection with the same or different vendor as the prices have gone back up to {$1300.00}.

Although this Price protection feature is going to be discontinued from XX/XX/XXXX, I will be very reluctant to use any of the benefits that a credit card claims. 

Talking to the Discover Benefits center customer service or manager did not help as they keep repeating the same thing that they could not verify the price that I claim as they do not trust the screen shot from my computer. In that case they should not have the ask for screen shot to process the claim if you do not trust it. I am extremely unhappy about the way Discover is handling price protection claims.
Product: Debt collection

When receiving a letter from Resurgent Capital Services about a credit card that I supposedly took out. I reached out to the company via letter after going back and forth about it they would not produce documentation about the credit card account. They would only send me an account summary that was with the Name LVNV Funding nothing from the original like I had requested and is my right under federal law. 

I also sent a letter to XXXX and they mailed me a letter with only a summary showing the account as updated but did not provide any type of documentation like I had requested either. 

If you need all documentation that I have send and received. Please let me know. I can scan and email them over to you. 

I sent a response to both companies today XX/XX/2020
Product: Credit card

We received an email from our credit card company, Capital One, on XXXX/XXXX/16 Friday asking us to confirm recent purchases. We called on Monday, XXXX/XXXX/16 to confirm, and they said it was too late, that one of our merchant 's systems had been compromised and they may be collecting sensitive account information, so they were turning off the credit card. We asked which merchant, and they would n't tell us. We asked them to please not turn off the card because it is used for business expenses, but they said they could n't do that. They said they would send us a new card. We have waited two weeks, and still no card. Today, XXXX/XXXX/16, Monday we called to ask what the status was. They said the card was still in effect, but had just been labeled to restrict use. They never told us a new card was n't coming in the mail. We asked them to turn the existing card back on, and they finally agreed to that. Two weeks ago we asked them the same thing, and they would n't do it. This has caused an interruption in our ease of business, as the owner of the company has not had his business credit card to use for the past two weeks. Very disappointed in Capital One 's lack of communication and lack of customer service to service our needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 reporting, credit repair services, or other personal consumer reports

The following credit inquiry is fraudulent and unauthorized : XXXX XXXX, XX/XX/2018, Address Identification Number : XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX {$2.00} XXXX XXXX XXXX {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I on XXXX XXXX went to Mercedes Benz dealership to discuss my options for the end of a lease I have coming up in 4 months. The the sales men who was attending me talking my into getting an XXXX SUV that they had in inventory to finance. I was considering it due to the fact that the sports car the i currently have is rough to drive around the roads of XXXX XXXX XXXX and needed something that could handle pot holes, broken up and construction roads ( Etc. ). I gave them consent to run the bank application for a financing loan. I soon realized when I went home and ran the numbers myself with my wife the price he was trying to sell me the SUV for was way to much for its worth and left out a lot of details on it. He tried to convince me it was a great deal when it wasn't because the price he was selling me this XXXX SUV for was at the same price of a newer model XXXX or XXXX. I spoke about it with my wife and she tolled me the whole time at the dealership not to go through with the offer. I called the salesmen multiple times and it had only been an hour since i has left the dealership. I left him voicemails and text messages to not go through with the banking applications. I kept calling and I couldn't get in contact with them. I even went back the dealership to try and speak with him but he was already gone. They ended up doing it anyways after i told them not too. They sent out multiple applications to try to get me approved and got denied from a total amount of XXXX banks all on the same date of XX/XX/XXXX. This impacted my credit score and even got me XXXX hard inquiries on my credit report.
Product: Credit card or prepaid card

Chase has discontinued fraud protection by removing the ability to dispute unauthorized charges. Their online form is no longer available directing you to call, which then informs you that charges sometimes have " different labels '', but no options to dispute charges that are known to be fraudulent. This follows what I consider to be harassment by the " Fraud department '' that forced a new card number on me despite no problems with my previous number, only Chase 's refusal to send a new card upon expiration. Now I have a new credit card number that has been promptly compromised with no option to dispute.
Product: Credit card

I mailed a letter to JP MORGGAN CHASE on XXXX requesting a refund of {$13000.00} for the amount on my statement. CHASE ignored my request and is breaking the law per 15USC1666d. 

15 USC 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to acreditorin excess of the total balance due on an account, ( 2 ) rebates of unearnedfinance chargesor insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, thecreditorshall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by thecreditorand can not be traced through the consumers last known address or telephone number. 

Also per 18 USC 8 explains all debt is the obligation of the UNITED STATES. 

Since the obligation of debt belongs to the UNITED STATES and my account is in the positive/surplus, what and why is CHASE asking me to pay? 

CHASE is acting in bad faith and dishonorably!
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 ) ( 1 ) 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.
Product: Checking or savings account

I assigned my credit card rewards points to the balance of my Navy Federal Credit Union ( NFCU ) Flagship Credit Card. NFCU ( without authorization ) moved those points/money to my savings account. I was not aware of the move and believed that money was going to the balance of my credit card. When it did not, I accrued a XXXX dollar late fee balance. When I spoke with a representative, I was told it was my fault for not checking my statement balance. 

From there, I asked my account be closed ~ XX/XX/23. I was supposed to receive a cashier 's check in the mail ( check sent out XX/XX/23 ). I spoke with a female agent around XXXX XX/XX/23 ( XXXX ) who said I should continue to wait for the check ( now missing x 19 days ). When I explained it is likely lost in the mail, she said she would have been notified by the USPS if it was truly lost. She then asked if I trust my mail carrier. 
I asked to speak with her supervisor, XXXX, who hung up on me without reissuing the check. 

From there, I sent a message/email to NFCU requesting the check for my closed saving account to be resent to my home address. I sent them a " Declaration of Loss '' form with the account number. I received a brief email response stating they would not accept the " Declaration of Loss '' form and would not reissue a check. I want my money from my closed saving account in the amount of {$2000.00}.
Product: Bank account or service

In my law practice, I serve as a trustee for a client ( who also happens to be my brother-in-law ). The sole purpose of the trust account, and the trust account above, is to provide funding for a life insurance policy. The life insurance policy is mandated by my client's/brother-in-law 's divorce decree in the State of New York. 

Relatively recently, my brother-in-law 's obligation to maintain the life insurance policy expired. At the time, there remained slightly less than {$200.00} in the trust bank account at Citibank. As mentioned above, this bank account was exclusively for the purpose of funding the aforementioned life insurance policy. 

Because it was no longer necessary to fund the life insurance policy, and my brother-in-law decided to allow the policy to lapse, I sought to close the account and return the remaining funds within the account to my brother-in-law. To that end, I called Citibank. I spoke with a woman who assured me that she would close the account and send a check made payable to the trust, so that I might return that money to my client/brother-in-law. 

Approximately one month later, I received a statement from Citibank indicating that the account was still open, and that approximately {$12.00} had been deducted as fees on the account. Needless to say, I was surprised. After all, I had closed the account and was expecting to receive a check, not a statement deducting more fees. 

Consequently, I wrote to Citibank. A copy of my letter is enclosed for your convenience. In response to my letter, on XXXX XXXX, 2016 my office received a call from XXXX XXXX ( XXXX ) a branch manager of a Citibank branch in XXXX, New Jersey. ( Incidentally, the branch at which I opened the aforementioned trust account was located in XXXX, New Jersey ( where my law office is also located ) ). XXXX XXXX advised that because the nature of the bank account at Citibank was an irrevocable trust, the bank was obligated to disburse the funds with a bank check. XXXX XXXX left word that the bank was not permitted to send that check to me, and that I would need to travel to a branch, produce identification, and collect the bank check in person. He advised that there were branches in XXXX, XXXX, and XXXX at which I could appear for this purpose. 

XXXX, XXXX, and XXXX are all at least 30 minutes away from my office. I can not understand why I would have to appear at a bank to close out an account and collect a check for the balance of the funds left in the account. I suspect this is nonsense, and that the bank has merely erected hurdles knowing that it does not make economic sense for a lawyer ( or anyone else ) to travel 30 minutes away, and spend who-knows-how-long, at a bank branch to collect a check for {$110.00}. 

It is my sincere hope that your office will investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am A victim of Identity Theft.. My information was stolen and used for many accounts to get car and loans without my knowledge. I spoke with the credit bureaus and disputed this items numerous of time and they still remain on my credit report. This items are stopping me from getting the house that I need for my family. The Items still remain on my EXPERIAN.
Product: Vehicle loan or lease

I just want another car back, I was treated very badly by the dealership. XXXX XXXX sold me a defective car, and since day one, I have been struggling to get it fixed. Due to the car 's issues, I ended up losing my job and missing several doctor 's appointments. my son had undergo two XXXX, and Despite explaining the car 's problems to them, they have refused to provide me with a replacement vehicle. This car has caused me to lose my job, and I am facing significant challenges as a result. And now they finally came out and repossessed the car. My son doctors appointments is on the 26 and and my job requires me to have a car for work. Please help.
Product: Checking or savings account

an unauthorized amount of XXXX us dollars had been taken from the account, in relations to a private business venture. This had been unauthorized and taken through a third party. Claim number XXXX. No action taken by Wells Fargo. Pending police report.
Product: Debt collection

I requested documentation on this debt and the original contract with my signature. I was provided a loan agreement with another company and a digital signature. I sent this company a police report that I filed on XX/XX/XXXX along with a copy of the signed affidavit from the FTC. I also alerted this company that this debt did not belong to me and to immediately delete it from my credit report. To date, this company stated that they would place the account with the fraud department but has yet to do so. This debt that I do not own is still being reported on my credit report!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my credit score was greatly reduced out of thin air and for no reason at all by at least Equifax and XXXX. I was given a XXXX point deduction by at least both of these companies. Looking at my credit report and calling the only credit card company that I use they even agreed that they did not know why my score was affect as I have an excellent rating with them. There is no reason for this adverse action to have been taken and I want it undone ASAP.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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  of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY IDENTITY AND OPEN SEVERAL ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE THESE ACCOUNTS WAS OPEN BY THE THIEF THAT USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENTI am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

My credit card from Apple/Goldman was randomly closed on XX/XX/year>. I have had the Apple Card for over a year and have never missed a payment. Currently have a payment of XXXX dollars being processed on the XXXX. They closed the account with no warning or information for why the account was closed other than a genetic scripted email template. I currently have over a XXXX dollars in my Apple savings account that is being held and no way to be withdraw or given back to me with urgency. Spoke to 5 employees who could not provide me with any information and proceeded to tell me that there is nothing that they can do.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX, XXXX, XXXX and XXXX. I have sent disputes to XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. I have sent dispute requests to TransUnion regarding the following account numbers : XXXX, XXXX and XXXX. The date of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite these letters being sent to these three bureaus, there has been no resolution or corrections. Furthermore, there is no dispute verbiage on these accounts.
Product: Credit card or prepaid card

I am not sure who the company is or the company name but I keep getting robo calls about I am qualified to lower my interest rates on my credit cards from the following phone XXXX. It says to speak to a representative enter option # 1. I have done this multiple times and I have asked the representative to remove my number from their list. This last call the representative told me NO and hung up. 

I get about 6 calls like this type every month. I called the phone number back and now I am getting a message saying that the caller is no longer receiving calls.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report noticed I had fraudulent accounts and inquiries on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report. Leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed dispute items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer. The accounts I am refferring to is XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX account