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

Issue : Barclays Bank not honoring promotional offers. 

I held a Barclays Bank personal Mastercard from XX/XX/XXXX through XX/XX/XXXX. During such time Barclays held 2 promotions for bonus airline miles ( 5 times miles ) if money was spent in the specified categories during the promotional period. Attached is a screenshot of one of the promotions for illustrative purposes. During both promotions I appropriately signed up for the offer, spent money in the relevant categories, but was never provided the bonus airline miles. I contacted Barclays customer service multiple times in the past 6 months. In each of the calls ( most recently XX/XX/XXXX ), the customer service agents confirmed that I DID indeed sign up for the promotions, I DID spend in the appropriate categories, and I did NOT receive the appropriate bonus. On the last call ( XX/XX/XXXX ) I was told that it was resolved and that I would receive the appropriate bonus within 8 weeks. It has now been 8 weeks and I have yet to receive any resolution. During my last call with Barclays I closed my account since their customer service and product are so poor. Barclays bank owes me approximately XXXX miles that I earned but did not receive. This is very valuable to me and I used the card specifically for these benefits. I have attempted for months to resolve this with Barclays, but have been unable to attain any resolution. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ky XXXX ( XXXX ) XXXX BD : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Disputing error [ s ] on credit report I am writing to request a correction of the following information that appears on my Experian consumer report, according to XXXX XXXX XXXX XXXX XXXX when they requested a report : Dispute : In applying for various loans recently, I am receiving letters back denying my request due to : SERIOUS DELINQUENCY TOO FEW ACCTS CURRENT PAID AS AGREED LACK OF RECENT BANK/NATIONAL REVOLVING INFORMATION TOO MAY ACCTS WITH BALANCES LOW CREDIT SCORE ( XXXX  ) These comments are NOT true. I have attached each credit report and they do not reflect any of these things. 

I would like to request you investigate this issue and have this corrected as soon as possible. I have worked long and hard to have good/excellent credit and would like this my reports to reflect this. 


Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Prepaid card

I had made a purchase from XXXX on XX/XX/XXXX. The purchase had gone through and had been settled by XXXX as I contacted the merchant on several occasions to attempt to clear up a deposit that was placed in my account by Unemployment Insurance Arizona in the amount of {$640.00} on XX/XX/XXXX. I have received nothing but the run around regarding the funds that are being blocked for me to receive by a transaction initiated by the bank called a clearing report debit adjustment. I have been trying to have my money released for over 60 days and the bank continues to tell me that XXXX has these funds ; however XXXX states that they have released any authorization holds from my account and that was all that they could do on their end. 

On XX/XX/XXXX, I had a three hour conversation with a supervisor by the name of XXXX. XXXX refused to approve my dispute although during the phone call, he admitted that there was an error. He seemed to be very confused and to not be able to handle the situation. Therefore, I asked for it to be escalated and was told that he was the highest level for customer contact. This is my purpose for filing a complaint. I have filed a dispute with the bank that was denied the next day. There was no investigation done whatsoever, it was simply denied the next day. I contacted the bank to find out why it was denied and I was told to contact XXXX. When I contact XXXX, I am told to contact the bank because there is nothing that XXXX could do when it comes to removing transactions that is blocking me from being able to receive my deposit of {$640.00}. 

I have experienced several hardships behind this money being held and I was also appalled when transactions were read off to me by the banks supervisor thst I was unable to see on my bank statement. The representative told me that XXXX had replaced funds back into my account on XX/XX/XXXX ; however, I don't see that deposit on my bank statement. My ending balance as of XX/XX/XXXX was {$110.00} and I had used the card for some small purchases in XXXX that didn't take the account into the negative. These transactions brought the account to a {$0.00} balance as of XX/XX/XXXX. On XX/XX/XXXX, a deposit in the amount of {$640.00} was placed into the account by unemployment insurance ( Arizona ). All of a sudden, there were three transactions totalling over {$700.00} that the bank created that is preventing me from accessing my funds and no one seems to know what is going on. 

I feel as if I have exhausted all options at this point. I will need an organization that regulates these types of issues to assist with having my money that is being held to be be released as soon as possible. At this point, I would like some type of interest or something as my money has been sitting in that account against my will for over 2 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX, EXPERIAN, and XXXX credit reports. My latest credit report shows 18 credit inquiries that I did not authorize.
Product: Credit card or prepaid card

Amex emailed me ( Amex Offers ) re a XXXX promotion ( spend {$200.00} by XX/XX/22 and receive {$80.00} back ). I tried to enroll directly from the email ( E.g., click to add offer to card ) and it took me to a different offer for XXXX hotels. I made four phone calls to Amex who gave me the run around before deciding to inform me that the offer was closed ( despite the terms ) and that I was not eligible due to the offer hitting a cap of XXXX enrolleesa limitation not disclosed in the terms.
Product: Credit reporting

I do not now nor have I had an account with XXXX. This is a non existent invalid debt.
Product: Credit reporting or other personal consumer reports

They informed me I was removed per request from me and primary card holder. I'm still on as an authorized user, I never approved anyone to add me as an authorized user. XXXX XXXX was XX/XX/year> at XXXX. Called today it is still on my report. I have contacted them now twice please CEASE reporting this information especially on my credit reprot. Account in question : XXXX account number XXXX
Product: Checking or savings account

THIS HAS TO BE ILLEGAL GIVE ME MY MONEY I get endless and endless of emails asking for ID, Statements, And debit cards number ending in XXXX or deleted cards and deposit verification and second form of ID a utility bill I send them extreme documents over and over every day XXXX times a month for nearly a month I ever sent them the email confirmation of any deposit I ever made and they sent the same automatic message below, How in the heck can you refuse to refund someones money? After I have clear verification that the account is mines, Are you kidding me? I cant send any thing else thats all I have, I dont have XXXX bank statement yet because we are still in the month of XXXX but the email verifications and bank statements of owner ship is sufficient enough Message I send them asking to verify documents I sent in Requested information to reopen account XXXX XXXX XXXX  Bank statements For card number ending XXXX Please review documents for reopening of account This is what they send me after send XXXX documents Hi XXXX XXXX Thanks for reaching out. I'm sorry for the inconvenience of this situation. 

After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement.

We regret any inconvenience this may have caused. Please let us know if we can assist you further or give us a call at XXXX Thank you, XXXX | XXXX XXXX XXXX This is a complete disaster
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX* , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX,
Product: Checking or savings account

Wells fargo closed my account in XXXX Virginia XXXX for over 3 years in I never got my money my name is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1983
Product: Credit reporting or other personal consumer reports

I need to report some more places where my number and ID was used to open up some accounts in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting Invalid address I have mailed 2 letters, copy of ID and a bill and they will not correct it.
Product: Debt collection

My wages are being garnished for a debt that has expired statutory limits by a law firm that I have never heard of. Garnishment has never been filed with the XXXX Court as presented.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX.
Product: Mortgage

We want to sell our home through a credit qualifying assumption of our mortgage. We have called Nationstar Mortgage multiple times and they will not provide the fees associated with an assumption until we have a buyer. Their letter states that " Assumption fees, which will be disclosed on the Good Faith Estimate, will be assessed and are due at closing. '' How can I sell my home without knowing what the assumption fees are going to be? After an hour on the phone and talking with a supervisor they are only willing to provide with a guesstimate of {$2000.00} - stating that it will depend upon investor, servicer , county & state. They have all of this information now - why ca n't they provide me with a Loan Estimate or Good Faith Estimate? After being on the phone over an hour I was finally given 'some ' of the fees associated with an assumption. The only reason they gave me anything is I threated reporting them to the CFPB. If I were n't a Loan Officer and knew how to ask for the appropriate information I would never have received anything. I was verbally told that the fee is 1 % of the XXXX a {$20.00} credit report fee & {$100.00} doc prep fee along with applicable state & county charges. Why can they not prepare a LE to the seller?
Product: Mortgage

I had my home appraised from a XXXX management company and the appraiser was XXXX XXXX. 
My home appraised for {$530000.00}. 
I have tried to no avail to make Freedom Mortgage remove the PMI insurance on my home. 
I now have 79 %. LTV so I should not have PMI insurance. 
Please help
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I accessed my Experian credit report and discovered that I do not have a FICO Score or a complete credit report. The system indicated that I may not have enough credit history to generate a FICO Score, which is incorrect and highly misleading.

I have maintained active credit-related accounts and financial activities that should be reflected in my credit profile. This error on Experian 's part has prevented me from accessing my credit score and report, which is critical for financial planning and creditworthiness evaluations.

To address the issue, I reached out to Experian with evidence of this problem but have yet to receive any meaningful resolution or acknowledgment of the failure to report my credit history accurately. This lack of accountability and inaction violates the Fair Credit Reporting Act ( FCRA ), which guarantees my right to an accurate credit report. 

This error has caused unnecessary stress and may have adversely affected my ability to secure financial opportunities. I demand immediate correction of my credit report to include all relevant data and provide a FICO Score based on accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing on my credit reports never had XXXX XXXX. I have lived in XXXX XXXX Florida for 24 years and had XXXX XXXX XXXX XXXX for all 24 years not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that USAA SAVINGS BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

I have contacted XXXX XXXX XXXX  several times regarding inaccurate account information. I have a balance of XXXX reporting on my credit report from a company by the name of Sequium Asset solution, a company that my information was sold too. I canceled my service with XXXX XXXX XXXX XX/XX/2019 due to the service not working properly. On two occasions a technician came out to repair the problem but was unsuccessful at doing so. Im being charge for a month that I was without service. I also returned my equipment via XXXX and that charge is still reflecting on my on my account as not returned. After canceling my service in XXXX, XXXX XXXX XXXX tried collect a payment from my bank account XX/XX/XXXX which was not authorized. I would like further investigation on my account and for the amount owed to be adjusted and waved due to the service not working properly and inconvenience.
Product: Mortgage

Company did not pay escrowed XXXX  tax ( included in property tax ). Asked to pay tax penalty of {$240.00}. They promised to reimburse me if I paid it. Refused five times to reimburse it despite promising on XX/XX/24 that they would reimburse it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX. Please remove this account ASAP.
Product: Debt collection

I received a call from American Coradius International on XX/XX/2018 saying that owed XXXX over {$800.00}. I do not have a credit account with XXXX, so there's no way I could owe XXXX anything. I confirmed my name for American Coradius, but when they said I owed money, I hung up immediately. They called from this number : XXXX I called XXXX immediately and they confirmed that I do not owe them anything and that I do not have a credit account with them. They apologized, but could not explain why I had received the call. I closed my XXXX account.
Product: Credit reporting or other personal consumer reports

This account is reporting incorrect information to my credit reports. This is an illegal practice, according to consumer law. XXXX XXXX has been notified of this error, as have all three credit bureaus as well. They have totally ignored my disputes and have not sent results to my address. Under the FCRA, Section XXXX ( a ) ( XXXX ) ( A ), it is mandated that consumer reporting agencies ( credit bureaus ) must ensure the accuracy and completeness of consumer information in their reports. This includes investigating and correcting inaccurate or outdated information when consumers dispute it. You have the right to dispute any information on your credit report that you believe to be inaccurate, and the credit reporting agency is required by law to conduct a reasonable investigation and remove or correct any information that can not be verified as accurate. The date opened is incorrect and does not match the information on all reports. No, term months are incorrect and do not match. The last reported and last day active are incorrect and do not match. I've enclosed and/or provided a copy of all three credit reports for review to support my case.
Product: Checking or savings account

I opened a Brokerage Account and a Checking Account with Charles Schwab on XX/XX/18, the Brokerage Account opened immediately but the Checking Account went into review. On XX/XX/18 at XXXX XXXX I received an email asking me to review my account information on their website, when I did I noticed the checking account hadn't opened yet. I called a Charles Schwab representative on XX/XX/18 at XXXX XXXX to find out why and was told that everything was fine I had gotten the checking account and it would be available for funding on within 24-48 hrs. After this phone call I received a welcome to Charles Schwab email at XXXX XXXX, reinforcing the information he provided about my checking account being opened. Today, XX/XX/18 I went to log into the account only to find out that everything has been closed. I called Charles Schwab and spoke to three representatives, this first verified who I was and when he went to investigate what happened to my account I was put on hold then with no noticed transferred to a woman named XXXX who informed my that they pulled my XXXX  report and had to close my account. I asked what information caused it to close and she would not provide that information over the phone, she said it had been mailed to me, I asked why I was told I had been approved for a checking account only to then have my account closed and she could not provide me with that information. I asked to speak to a supervisor, XXXX forwarded me to XXXX ( employee identification number he gave me : XXXX ), XXXX would not provide me with any information either, I asked him for the first names of the employees I had spoke to on the phone so that I could document it, XXXX would only provide me with his name and XXXX name ( not her Employee Identification though ), he said that they can see who I spoke to and when but refused to tell me who else I had spoken to on the phone or who the employee was who had told me I had been approved for the Checking Account. I had asked if their was a resolution center I could speak with, XXXX gave me the following address : Client Advocacy Team, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX California, XXXX. I asked for a telephone number to real the Client Advocacy Team and he refused to give me one. XXXX said I could only mail them. XXXX was very unhelpful and even threatened to end the call. I was forced to hang up with no information at all, I never even received an email from Charles Schwab saying my account had been closed, I just went to log in and it had disappeared. Extremely disrespectful.
Product: Debt collection

Noticed NCB Mangement on my credit Report. Called the number listed on report to find out what this was about. They Immediately referred me to a company by the name oXX/XX/XXXXXXXX and told me they were handling the debt to call them because NCB could not give me any info. ( they are on my credit report ) I called XX/XX/XXXX and spoke to XXXX ID # XXXX she could not find the account until I told her that per NCB this had not been sent over until XX/XX/scrub> 2025. She said she could not give me any information because they had not received details. I stressed the urgency and importance of this matter to no avail. ( she was, at least, very kind ) I called NCB management back and was told several times they could not help me until I demanded to speak to a supervisor. The supervisor was very kind but all of the information they had for the account that I supposedly opened was incorrect information.