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

I received an offer from my Sears XXXX that would provide 10X reward points if I spent {$500.00} dollars over the two 3-month periods of XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX and on gas, groceries, and dining. When I inquired about why I did not receive my 10X rewards points after the period, I was sent a letter stating that I did not spend the required {$500.00}.  I disputed this and asked to receive documentation that showed my spending matched to the merchant categories for gas, groceries, and dining that their decision was based on. All I received was copies of my monthly statements.
Product: Credit card

An annual fee was posted to my Delta American Express card that I had stopped using ( so I was n't expecting new charges ). I received an email about the annual fee XX/XX/2017 and called the card company to waive the fee and close the card. I was informed that the fee was posted XX/XX/2017 and that since 31 days had elapsed no one could waive the fee since the policy was recently changed to 30 days for fee waiver. 
Now, this is unfair for two reasons. 1 ) This was not the policy when I signed up. When I signed up, you could close the card at any time and be refunded a pro-rated amount of the fee. 2 ) Fees are posted in XX/XX/XXXX -- - a 31-day month. 
The system is set-up for failure and to hurt the consumer. I called at the exactly 1-month interval. I have spoken to all levels of customer service, account management, and member retention. 

Please help me resolve this issue. I have been a customer with American Express for 10 years.
Product: Mortgage

We were in COVID Forbearance for XXXX. We came out of it in XXXX. Our payment before the forbearance was {$1400.00}, after the forbearance we did a modification to {$1500.00}. We paid that amount for 2 months. We went to pay XX/XX/XXXX mortgage and it had {$1700.00} due. We have received no notice that it was being raised another {$200.00} dollars. Upon calling Loancare we were told that there was a shortage in the escrow. They informed us that they had paid the escrow based of XXXX. I informed them if that was so there should of been an overage authentication taxes and insurance was lowered. We made $ 20k less in XXXX and can not afford an extra {$200.00} along with our other obligations. This is not helping this is harming us.
Product: Credit reporting or other personal consumer reports

XXXX to XXXX I used Lexington law for credit repair services they did not do what they were supposed to do regarding my credit
Product: Credit reporting or other personal consumer reports

This company is reporting charged off accounts on my credit reports. A " Chargeoff '' is now considered taxable income for me and they should have sent me a 1099c for taxable income purposes, which i never recieved. 
Therefore they can not come after me for the debt any longer, and they can no longer report it on my credit reports. 

15USC 1692 g & 15USC 1681 ( e ) B I have asked for a 1099c from all 3 reporting agencies as well as the debt collectors and have yet to recieve them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a CLOSED visa credit account at TD Bank NA which is disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, XXXX and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete my TD Bank NA visa account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster. I insist on 100 % compliance with the FCRA and all XXXX XXXX protocols including the reporting on paper credit reports of all data reported in the XXXX XXXX submissions. I also insist on 100 % compliance with necessary internal controls to prevent Facially False Data from appearing on my credit reports. My credit report has daily entries where the data entry for Closed account is removed then at some time later replaced with a dispute code then deleted again with a code for consumer affected by a natural disaster thereby affectively changing a closed account to an Open account. Since the entire XXXX XXXX system is incapable of complying with the FCRA to prevent Facially False Data from reappearing ( such as a dead person coming back to life ) ( or a closed account being later reported as open ) then my account must be permanently deleted to avoid further willful violations of the FCRA.
Product: Checking or savings account

I have opened my checking account for the below promotion and still I didn't get the promotion after I met the required conditions to get the cash reward. 

PROMOTION DETAILS : MoneyLion is offering a bonus of up to {$590.00} as part of their pave the wage campaign to highlight pay inequality between genders. To receive the bonus you need to : Join MoneyLion Set up a direct deposit of $ 500+ Opt in to bonus Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) Bonus you receive will be 17 % of your first direct deposit
Product: Credit reporting or other personal consumer reports

I am presenting this follow-up complaint to formally notify XXXX, Equifax, and XXXX Credit Bureaus of my intention to update my credit reports within a 15-day timeframe. It is my earnest expectation that these three Credit Bureaus will expeditiously expunge the specified inquiries from my credit records. This communication serves as a continuation of my previous complaint, dated XX/XX/XXXX. I respectfully request that the inquiries outlined in this communication, as well as those in the aforementioned complaint, be expunged upon the completion of the 15-day credit report update period : XXXX XXXX XXXX XXXX EQUIFAX : 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: Debt collection

I requested a validation of the debt from collection agency Portfolio Recovery Associates, LLC. In my request for validation, I demanded a authenticated copy of an original contact with my signature as per the Fair Debt Collections Practices Act, tile 15 U.S.C section 1692g. Portfolio Recovery Associates, LLC failed to validate the debt. The only documentation that I have received is a billing statement from the original creditor. I do not consent to contract with Portfolio Recovery Associates, LLC. The collection agency is in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to experian requesting inaccurate information on my account be removed. They responded that no action was needed because of the information provided was correct. As a consumer I have the right to fair and accurate credit reporting because all banking systems are dependent upon the accuracy. XXXX is violating my rights to such and also violating my rights to privacy by reporting false and fictitious information on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I attempted to access my free online account to view my credit report. I wanted to see the results of a recently filed dispute. Since I filed this dispute, the company is making it difficult for me to access my online account or an updated credit report.

I tried SEVERAL times to access my online account to no avail.

These actions seem retaliatory to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of InquiryXXXX XXXXL Date of Inquiry:XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of Inquiry:XXXX XXXX Date Of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX XXXXXXXX Date of Inquiry:XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX
Product: Student loan

The complete taking of my tax returns past two years, desperately needed to survive amid extremely poor job prospects. It could have been allocated towards getting me out of default gradually while allowing me to scrape by slightly better.
Product: Checking or savings account

1. I'm a XXXX-year-old woman, do not have any properties or other assets except cash fund of around {$200000.00} which had been in my XXXX money market account since XXXX. 
2. In XX/XX/XXXX, I saw an online promotion by Citi Bank : Get {$700.00} bonus if open Citi Priority checking & saving account, deposit {$50000.00} New-to-Citibank Funds within 30 days of account opening, and maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. The details of this promotion is still online at " XXXX : XXXX? XXXX & XXXX '', I also have attached a Word document " Earn {$700.00} When You Open New Eligible Checking and Savings Accounts and Complete Required Activities.docx '' with the same information. 
3. On XXXX, I applied online for Citi Priority accounts, got approved and received new debit card and check book the following week. 
4. On XXXX, I online transferred {$100000.00} fund from my XXXX money market account to new Citi saving account XXXX. 
5. On around XXXX, my Citi new checking account was closed by Citibank WITHOUT my permission. My new saving account XXXX with balance {$100000.00} was frozen by CitiBank WITHOUT my permission. I could not access the fund after that. I called Citibank many times, was told their Fraud Prevention department is doing some investigation, will inform me in written within 30-60 days. 
6. On XXXX, I didn't hear from Citibank, so I called them and was told my saving account would be closed and the fund check would be mailed to me. 
7. Several days later I received the fund check of {$100000.00}, and deposited it to my XXXX money market account. 
8. On XX/XX/XXXX, I called CitiBank fraud prevention departed, asked why they hold the fund for so long. They said because they couldn't verify my application, no more details available. And the account is not eligible for promotion bonus.
Product: Mortgage

Tax payments were made from my account that included penalty and interest in the amount of {$420.00} without my consent in  XXXX   XXXX . I did not receive a supplemental bill from  XXXX   XXXX  in  XXXX   XXXX , though their system shows that a bill wa  s sent. Suntrust can not disburse amounts without the consent of customer but they did. I requested suntrust to provide proof that a call was made requesting them to disburse funds. Their tax department agreed to provide proof but later denied after few months. My wife has never made a call to Suntrust and now Suntrust claims that somebody did call and they can not provide any proof. I have attempted 7 times to resolve this matter and I have been given a run around. I was promised 4 times in the past that there will be follow up call and a proof will be provided to me, but no one called nor provided an explanation.
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It defies all logic that I would wait 3 months to make the call to Suntrust a  bout the bill that was received in  XXXX   XXXX , knowing that the bill will attract penalty and interest.
Product: Credit reporting

Equifax last month according to XXXX was showing my credit score at XXXX, today XXXX XXXX 2016, Equifax is showing my credit score with XXXX at XXXX. 
I had no negative or bad items in the past 24 months to cause this change. When I contacted Equifax , they had no response.
Product: Checking or savings account

I opened a Business Economy Checking account in XXXX with Bank of America. I deposited the required minimum balance of {$3000.00} to avoid any fees. This account has not been utilized at all since then. The account simply sat dormant for over a decade. Recently, I did a name change and at that time it was brought to my attention that monthly fees were being incurred. I have numerous accounts and a lengthy relationship with the bank and they knew that was very unusual. 
Apparently, my account was changed to a Business Advantage Fundamentals Banking Account at some point in XXXX. This account requires a {$5000.00} minimum balance. I was never notified. Over the past few years $ XXXX has been charged to my account and I did not catch it until now. I never authorized my account to be changed. When I reached out to the bank I was told they could only refund a few months of fees. I am still owed {$490.00} in fees. 
There was no acknowledgement or authorization to change they type of account I opened in XXXX. If the product was no longer available, the account should have been closed if they could not reach me. 
On XX/XX/XXXX a formal complaint was written within the bank and my request for a refund of the fees was declined.
Product: Credit reporting or other personal consumer reports

A XXXX  card is reporting to my credit report that is not my personal card and should not be reporting to my personal credit report. The card was opened in XX/XX/XXXX but did not report to my credit report until XX/XX/XXXX. This card needs to be removed from my personal credit report immediately as it is a violation of my rights under the FCRA. The credit bureaus did not conduct proper investigations into the matter.
Product: Credit reporting or other personal consumer reports

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX XXXX  that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$940.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XX/XX/2023XX/XX/year>
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE FROM MY REPORT IMMEDIATELY THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed it legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Leaving inaccurate unverifiable accounts unresolved. account unresolved the consumer financial bureau ( CFPB ) Has recently filed a lawsuit against Experian. Alleging systemic issues such as failing to forward Comsumer provided evidence to furnish acceptable unreliable responses and failing to adequately notify consumers of disputes outcome these failures align where Experian has neither corrected nor remove disputed items despite the evidence I provided. causing harm to my credit standing. i am requesting immediate corrective action to remove pr amend the dispute accounts as Experian inaction violates federal law and my rights as a consumer
Product: Vehicle loan or lease

Before you can even apply for a car you must order XXXX and present a non-refundable deposit however I was not approved for the vehicle so I should receive my deposit back since there was no business done between us they want to hold on to {$250.00} of my money out of a {$700.00} deposit the only way they'll release the money is if I hit a submit button which requires me to release {$250.00} of my XXXX earn money something that I want to agree to I want all my money back all XXXX and {$50.00}. There disclaimer should read something like this there is no refund even if you are denied in financing I don't know any business that you go to you get denied and they still keep a portion of your money they should give it all back to you particularly if you get denied that means you can't afford it and that means you can't afford to be taking advantage of as well. I want all of my deposit back. They are robbing me and other people with this tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid 2 collections on XX/XX/2019 upon the agreement that these would be removed from my credit report completely. 

The collection agency purposely moved the collections into " new debt '' on XX/XX/XXXX or XXXX. 

I've called several times and only 1 of the items was removed while being given all sorts of excuses. 

Experian has notified me that they have no instruction in their XXXX system to remove the " new debt. '' I filed a dispute stating as much and still XXXX XXXX XXXX lied yet again.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I paid an artist for a commission ( {$70.00}, {$73.00} including fees ) of a comic page of characters of my own design. This was never delivered, and the artist eventually admitted they were not able to finish it. Afterwards, I asked for a refund, which they agreed to, but never sent the money. I occasionally checked up on them, roughly once a month, but they would simply say they were getting on it. Eventually, they started leaving my messages on read.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were sold. According to my findings, I am no longer liable for the alleged debt ; additionally, there is no written communication, contract, or signature. FCRA section 609 required you to send the wet ink contract bearing my signature showing that I have contractual obligation to pay you. Furthermore, FDCPA Section 807-8 if you are unable to validate this debt I demand you to request all credit reporting agencies delete the entry IMMEDIATELY!
Product: Mortgage

I am contacting you once again about my mortgage company Wells Fargo, who I do not think is following the guidelines to have my modification approved. I have attached documents and letters from Wells Fargo stating they would help with modification of reinstatement of payments and each time I call I get different answers. So please let me know if you can help.
Product: Student loan

On XX/XX/XXXX I initiated the process of a {$500.00} payment and was given confirmation # XXXX. That amount was debited from my XXXX XXXX account ending in XXXX for {$500.00} on XX/XX/XXXX. I have uploaded both a screen shot and a bank statement showing this. I called XXXX XXXX  and was given the tracing number # XXXX. Please fix this as soon as possible. My Ed Financial Account is showing that it only posted for {$13.00}, yet my bank account is down an additional {$500.00}! 
I submitted proof of payment on XX/XX/XXXX through their portal including screenshots and bank statements. Later in the month I found the original payment confirmation email and uploaded that. 

Today I checked my account again and no changes have been made. I also noticed that the payment I made on XX/XX/XXXX for the amount of $ XXXX.Payment Confirmation # : XXXX, also only posted for the incorrect amount of {$13.00}. I today uploaded that confirmation as well. I did email them today on top of that. I don't hold a lot of hope as I have heard nothing in the last month. Also, given the fact that my second payment was posted incorrectly, I am hesistant to make additional payments that will be lost. This is quite troublesome. I want to be able to apply money to the account to pay down my loans, but my money is getting lost. This needs to be remedied for the payments already made as well as any future payments.
Product: Credit card or prepaid card

I booked airline tickets with a company XXXX using a barclays card number XXXX XXXX XXXX XXXX. XXXX issued fraudulent tickets not honored by the airline. I contested the charge, The credit card company sent ubnreadable correspondence from the merchant.I asked for readable copies .I asked by telephoning and in writing. The crediot card company never responded and demanded payment.
Product: Debt collection

I am filing a complaint against GENERAL REV because they are attempting to collect a debt that I do not owe them. Account Name : GENERAL REV, Account Number : XXXX. 
I would like for GENERAL REV to show proof of verification that I owe them {$640.00} with the account above. To my knowledge, this account has been paid. GENERAL REV is reporting inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquires that I do not recognize on my Transunion and XXXX credit reports. 

XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I just received my credit report for XXXX and XXXX, and they told me one of my Navy Federal loan accounts are not being reported by the bureaus.
Product: Bank account or service

In XXXX I called TD Banks customer service, and asked them to close my account. In the XXXX of XXXX, I went back to TD Bank. To reopen my account, to my surprise the account was never closed.And on top of that, they told me that I owed the bank {$61.00} and some cents. I was told that I could not have the account closed over the phone. But the customer service representative that I spoke to over the phone, did not tell me that. On Friday XXXX XXXX XXXX. I went into a TD Bank on XXXX XXXX, in XXXX. And i was still not helped.
Product: Student loan

I am the co signer on this loan. My daughter applied for this loan over 8years ago. We were told that as long as she paid this loan with problems for two years that she could assume this responsibility on her. After her graduation with her masters she had tried to consolidate her loans and wanted to include this with it. They told her she could not consolidate this into it nor could she drop her co signer. This was the lie that was told to us. Since then she has maintain good credit and has bought a house etc. and have been a responsible person with her credit. I have tried several times to remove my name from this loan for XXXX. As a co signer they will not give me any information and they finally said they will not let my daughter XXXX XXXX go out on her own. Please advise us as to how I can get my name removed from this debt. Or why and how can she consolidate this into her other student loan debt. Thank you, XXXX ( School is XXXX XXXX XXXX ) in XXXX NC.