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

In XX/XX/2021 I made a purchase at Sam 's Club in XXXX  XXXX. While checking out, I was told if I opened a Sam 's Club XXXX, I would receive a {$100.00} credit. It would be issued immediately making my current purchase free. I said no but succumbed to their pressure tactics and applied for the credit card. I was issu {$18.00} to complete the {$100.00} credit that was to be applied to my card. When I called Synchrony Bank told me that the credit was to be issued {$29.00} now and the remaining {$71.00} in 4 months. I told them that was not was Sam 's told me. They said that is what I agreed to. I had agreed to no such thing and as a matter of fact the only thing I signed was for the credit card purchase of {$82.00}. I called no less than 6 times to get this fixed, to no avail. I then spoke to the XXXX of my local Sam 's club where this all took place and he said there was no such agreement. That I should have received the entire credit at one time. When I asked if he would contact Synchrony Bank with me and explain this to them. He said he was not able to do that. I have paid nothing on this credit card as nothing is due. However, my current balance is {$220.00} due to late fees and interest charges. Synchrony Banks calls me no less than8 times per day since this has all began. I have blocked their number but get voicemails daily. I have saved all voicemails.
Product: Credit card

I opened a credit card in early XX/XX/2023. The advertised perks included : XXXX. XXXX XXXX Nights credited to my XXXX XXXX Account within 60 days of opening the card. 

XXXX. XXXX XXXX Nights ( XXXX points equivalent ) if I spent {$5000.00} on the card within the first three months of opening the card. 

I called both XXXX and Chase when I noticed I was not receiving either perk, nor was I receiving the normal points just for spending on the card every statement. To date, I have not received a single reward point, nor have I received my XXXX Elite Nights and it is now going on 90 days since I opened the card. 

I called Chase Bank on the following dates/times, and am including the length of my calls : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each time I was given differing information. I was first told it would be after two billing cycles. I confirmed verbally my Chase and XXXX XXXX accounts were linked and was informed that yes- I was ( XX/XX/XXXX ). On XX/XX/XXXX, I received an electronic notice from Chase Bank that ( summarized ) stated the accounts were not linked so I was not receiving my rewards. It stated I needed to take the following steps : " Log into your XXXX XXXX account at www.marriott.com to update your information ( e.g. name and physical address to match your Chase account ), or contact a XXXX representative at XXXX to assist you in this process. 
Once your information is updated on your existing XXXX XXXX loyalty account, please contact Chase at the number on the back of your credit card with that information and we will complete the linking process. '' I did the steps to confirm. My address has not changed, nor has my name. I reconfirmed with XXXX XXXX and then called Chase Bank to re-confirm. I was told I would have a " ticket '' issued to have this resolved within XXXX business days. 

I still received no rewards. I called twice on XX/XX/XXXX, and was informed on the second call this was escalated and expedited and would see it resolved within XXXX business days. I also confirmed I had already reached the {$5000.00} spend threshold to receive my reward points and " free nights '' in addition to the Elite Nights I should automaticall receive within 60 days of opening the card per the cardmember agreement. 

To date, I have still not received any points credited to my account. I have not received my XXXX XXXX Nights. I have received no follow ups from Chase Bank for my " expedited tickets '' to resolve this issue. I am now heading into the holidays and holiday travel with no updates and no information on how to receive rewards relating to travel. 

I have done my due diligence to resolve this with Chase Bank, but am not receiving what is promised in the cardmember agreement - or any guidance on any possible issues on any phone calls with their cardmember services. I hope the FTC can help resolve this issue and have the bank uphold their obligations to issue the rewards noted in the cardmember agreement.
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 disputed 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 systemic 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 disputed 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 's inaction violates federal law and my rights as a consumer. 
I filed an additional dispute on XX/XX/year> which is well over 45 days and Experian has not responded.
Product: Mortgage

We have submitted 5 loss mitigation applications ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). Out of these 5 applications we only received 3 denials in a written letter mailed to us. One denial was received on XX/XX/XXXX, 3 months after the initial application was sent. The servicer denied us due to insufficient income, but they were not calculating my husbands/ borrowers income. They claimed they did n't get all of the income information. The other denial was on XX/XX/XXXX, we were denied because I failed to complete a welcome call from the servicer. I did n't receive any letter indicating this step was required in order for my application to get re-reviewed. After that I did 2 welcoming calls, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was notified via phone that my application was removed as of XX/XX/XXXX. I was not notified about this. My application had been with the servicer since XX/XX/XXXX and I was never told about the removal, I was only requested for additional docs. The servicer again asked for another complete pkt on XX/XX/XXXX and we submitted it on XX/XX/XXXX, and onXX/XX/XXXX we were denied due to insufficient income. And I was asked for another pkt. We sent it on XX/XX/XXXX. Now the servicer said that they will not review my pkt since the acct is 3 yrs past due and the UW has had my pkts for 3 yrs in review. They will only look into transition options. We have complied with the servicer in submitting documents when requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and have been a victim for many years, I have attempted to updated all in accurate information that is reporting on my credit profile due to fraudulent information reporting. I have disputed in the pass but per FCRA accurate information needs to be reported information that is inaccurate needs to be removed especially fraudulent information. I fell victim and it is taking me many years of being able to clear up this mess I fell victim to. Please remove the following fraudulent inquires that are reporting on my credit profile. 

XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to TransUnion disputing the bankruptcy and the items including in that bankruptcy. I have asked them to provide documentation verifying this information as the furnishing of this information is a violation of my privacy ( 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ). TransUnion responded by stating that the court furnished this information. I received a letter from the court stating that they are not furnishers of data to my credit report and did not verify nor did they validate any information therein. I also received information from XXXX XXXX stating that the information being reported is unverifiable. With all this being considered, please provide how you verified this information. It is clear that TransUnion is reporting this information inaccurately and falsely. 

I have resubmitted another asking them to send me information as to how they verified this information and there has been no response.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
By obtaining my consumer report on XXXX and also XXXX knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) I have not initiated any transaction with ( XXXX XXXX ) ( MB FIN SVCS ) ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with { Insert COMPANY NAME } for review or collection. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I reached out to Coinbase regarding a Fraud and theft of my assets on my Coinbase account and they refused to investigate and fix the issue. I have contacted Coinbase regarding a Fraud/Theft again in XX/XX/XXXX and yet nothing was done to help my case. As a consumer, my right of protection and to be insured against any illegal activities with Coinbase was violated. I have not initiated or authorized any such transactions, and I am deeply concerned about the security breach. I request your immediate assistance in investigating and resolving this matter. I have taken the necessary steps to secure my account by changing passwords, but I believe it's crucial for Coinbase to conduct a thorough review of the unauthorized transactions.Please provide guidance on the steps I should take to recover the lost funds and enhance the security of my account. Additionally, I would appreciate regular updates on the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

They allege I owe them debt that they relieved me of. They said and wrote to me that I would owe nothing.
Product: Credit card

It doesnt really show on my credit app when this transaction happened but when I first saw it I thought it was a mistake because it would be there and then disappear. It appears as JPMCP Card with a balance of {$150.00}. I have not opened any credit cards with any stores or a credit card in general. Im assuming this was either a mistake or someone somehow got ahold of my information but this transaction is not mine. Please get in contact with me to fix this I have already got my credit messed up by a apartment that falsely accused me of ending my lease early and now this is bringing down my credit as well.
Product: Credit reporting

XXXX were doing a loan modification on our home in which they told us they were going to do a dummy bankruptcy to stop the sale of our home. Unknowing to us it was n't a dummy bankruptcy because it is now on our credit. I filed a complaint with Consumer Finance about this company already. This company is located in XXXX XXXX XXXX and we are located in XXXX XXXX and from my now understanding they broke federal law in doing this. we would like for this public record to be removed from our credit report. They charged us {$4200.00} for a modification that we did not accept and {$1500.00} for a supposly dummy bankruptcy. XXXX scammed us out of {$5700.00} for services not rendered. My XXXX complaint with XXXX # XXXX was dismissed, I would like for you to please take a look at XXXX cases. This company is scamming people out of their money and should be held accountable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has Blatantly violated my Consumer Rights. THis is XXXX XXXX and I demand these Accounts be Removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I have a major problem with EQUIFAX and I need to dispute a few things on my Equifax credit report. Ill start by Verifying my identity. Name : XXXX XXXX Birthdate : XX/XX/1995 Social:XXXXEmail : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX , California XXXX . On my Equifax report isnt updating correctly so I need to dispute some items. XXXX XXXX XXXX XXXX - {$2300.00} XXXX XXXX XXXX XXXX - {$2000.00} XXXX XXXX - {$420.00} Those account I listed above were removed from all my credit reports except for Equifax, they need to be disputed and removed. Theyve also been on my credit report longer that 7 years. Ive already faxed you guys 10 times. I dont know where my faxes are currently going. Please give me a call. I also have accounts that arent being listed on my credit report either they are : XXXX Balance : {$270.00} Credit Line : {$1000.00} XXXX  XXXX Balance {$150.00} Credit Line {$600.00} XXXX XXXX  Balance : {$510.00} Credit Line  {$3400.00}. XXXX XXXX Credit Card that Im an authorized user for and have been for over 4 years, credit limit XXXX, balance XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the above morning,XXXX, I received credit alerts through my XXXX XXXX account, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX that the following companies received Auto loan requests with my personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Flagship Credit Acceptance. My credit score dropped XXXX points on XXXX, XXXX points on XXXX and it was difficult to determine on XXXX because of a collections removal, it went up XXXX points. I did not Authorize the use of my information. Spoke with XXXX XXXX and XXXXXXXX XXXX who could not verify that my information was in their system by my SS number and to report to the credit bureaus.Spoke with XXXX who wouldn't file dispute over the phone. Said they needed writing because of hard inquiries and to contact the lenders. Spoke with XXXX who was surprised because of active fraud alert on my account and XXXX me to file a FTC report who transferred me to this site
Product: Money transfers

Tried to make a money transfer to XXXX via Western Union today sunday. They were able to take the money from my account very fast, but then denied the transfer without giving any explanation. Now they say are not responsible if I DONT GET MY MONEY TODAY BECAUSE IT DEPENDS ON MY BANK. tODAY IS SUNDAY..THE BANK IS CLOSED AND THIS MONEY IS FOR AN EMERGENCY
Product: Debt collection

I have returned the leased vehicle in the month of XXXX and attempted to pay dues and any other dues I am responsible. I was told by the dealer that GM finance will contact me but I never get contacted by GM or did not received any final statement to pay my dues. 

I even called three weeks back and requested to send the statement and it was not sent. when I realized that I did not received the statement, about a week back, I requested the GM Finance to post it online in my online account with them or send email to the email addressed that was linked to my online account or text me the dues. But GM Finance told me that they only mail it to my physical address or fax it to me. 

I was advised to wait couple more days. I called again to tell GM Finance that I did not received the statement, they told me that they initiated another request but I requested to connect me to a supervisor but I was told that the supervisor was not available. I requested a call back form the supervisor to explain the situation. But I did not get any call back. 

My intention was clear that I wanted to pay my dues as soon as I see an official statement and working with GM Finance for the last 4 weeks but they reported to Credit Bureau that my payment was late which I think is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct xxxx XXXX XXXX XXXX acct XXXX, has violated my rights. 

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

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 then records of conviction of crimes which antedates the reports by more then 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.

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 1692c Communication in connection with debt collection 15 U.S.C Acquisition of location information 15 U.S.C 1692b ( 5 ) 15 U.S.C 1692d Harassment or abuse
Product: Credit reporting or other personal consumer reports

I recently disputed a address on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I dont live at that address I attached my State ID and social security as proof and Equifax claim they verify the address. That address doesnt not belong to me and I would like it removed from my report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I will attach a copy of my ID and social and a utility bill as my proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my XXXX  to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX : {$31000.00} XXXX XXXX XXXX : {$31000.00} XXXX XXXX XXXX : {$23000.00} XXXX XXXX : {$2800.00} XXXX XXXX : {$6600.00} XXXX XXXX : {$2500.00} XXXX XXXX : {$2900.00} XXXX XXXX  XXXX XXXX : {$10000.00} XXXX XXXX : {$17000.00} XXXX  XXXX XXXX : {$11000.00} XXXX XXXX : {$1700.00} XXXX XXXX XXXX : {$10000.00}
Product: Credit card or prepaid card

Went to XXXX XXXX branch ( XXXX ) of Well Fargo. XXXX refused to take a cash payment for credit card. She stated the card presented was a " debit card ''. She confirmed with another teller it was a " debit card ''. Finally after 14 minutes on XX/XX/2020 at XXXX XXXX  after customer asked at least 3 times to make a " payment '', finally she processed a {$35.00} cash payment. No apology from XXXX to customer whom she disrespected, but a lame " my bad '' to the teller who she mis-informed in transaction by calling card a " debit card ''. 

This is at least the 2nd time WF employees assume the transaction that needs to take place instead of listening to the customer request. The employees are not trained to know banking terminology or customer services to customers. 

Need to Know your customer better!! This is a training problem at Wells Fargo. Customers are suffering due to assumptions/discrimination against customer and non-customers of the bank lobby. This has developed over time due to the cash restrictions on deposits for non=account holders.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I've already reported this company before, and they said they put me on a Do Not Contact list, but they still call repeatedly.
Product: Money transfer, virtual currency, or money service

I attempted to make 2 western union bill payments for the amounts of {$2400.00} and {$2400.00}. They were rejected by the bank I was sent them too. The bank has transferred the money back to Western Union, but Western Union refuses to refund me the money.