23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, XXXX, I applied for the XXXX XXXX XXXX American Express ( AMEX ) credit card and was approved for it. I applied through a special promotion offer online which stated that XXXX bonus XXXX XXXX would be awarded after {$6000.00} was spent on purchases with this credit card within XXXX months of account opening. I reached this {$6000.00} spend requirement on this credit card statement ending XXXX XXXX, XXXX. The terms stated that the bonus XXXX would be credited within XXXX weeks after meeting this spending requirement. Towards the end of XX/XX/XXXX, I had not received these bonus XXXX and it was after the stated time they were to be credit to my XXXX XXXX account. So on XX/XX/XXXX, I contacted American Express via their only offered method of contact - by online chat. The AMEX representative, XXXX, looked into my inquiry for the missing bonus miles. She said that when I applied for this credit card, I should have seen a pop-up window on my browser that stated AMEX declined this promotion to me. I did not see any such pop-up browser notification window. I do not now why it didn't pop up but it did not. So I thought the offer was valid, so I spent over {$6000.00} meeting the requirements. I would have used another credit card had I known the offer was declined for me. The other credit card would have given me a 2 % reward, so I lost over {$120.00} just by using this AMEX credit card. AMEX should have sent me a notice in writing or by email that this offer was declined to me at the time I applied for the card. The use of a pop-up window is not in keeping with normal business practices. Many browsers block pop-up windows which may have happened to me. I was not satisfied with AMEX 's handling of this issue, so I requested that they close this account. They closed the account per my request. I believe I am still due the promised bonus XXXX though.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Comenity Bank allowed a fraudulent credit card to be opened in my name. The consumer card number was XXXX The fraudulent individual spent the maximum allowed on credit, failed to pay any statements and defaulted. The bank forwarded our " bad debt '' to XXXX XXXX XXXX. 

XXXX XXXX XXXX is not responding or attempting to investigate our claim, despite police reporting of the incident and an investigation launched by XXXX. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX XXXX, California XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX card was paid off in full and was never late this account is close and have a negative mark on my credit report also my XXXX XXXX   card is also showing negative on my credit report which I also paid this card off in full and the only reason I was late was because of frude on my account so I was disputing that but my account was always paid on time and both accounts are closed so I dont understand
Product: Credit card or prepaid card

Hello! 

I contacted CapitalOne on Monday, XX/XX/XXXX to request an increase to my credit limit. I've held the card for several years, keep a low balance, have not had any late payments for several years, there are zero derogatory marks on my credit report and I maintain XXXX ( XXXX ) and XXXX XXXX XXXX ) FICO scores. 

CapitolOne responded to this request with a letter that stated : " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. '' The letter went on to state there was a further explanation for the decline supplied on a supplemental page however no further context for this specific reason was listed on the supplemental page. When I called CapitalOne to inquire for the reason of the decline the agent said they could not help me and directed to refer back to the letter for guidance. 

This has created a circle with no accountability or recourse for someone who has been a good customer for several years. I am making a simple request and I don't understand why there is no information or transparency.
Product: Credit reporting or other personal consumer reports

I have not authorized these hard inquiries from my credit report, I request them to be removed, as they are not factual information of my report. these are the fraudulent hard inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I contacted the FTC and they were very helpful in providing information as to how to help victims of ID Theft. I sent by certified mail to all  XXXX  bureaus all of the requisite information ID theft Affidavit, police report, etc ....  XXXX  and  XXXX  respoded professionally and promptly removed the fraudulent information. However, Equifax moved very slowly but finally sent me notification that the item had been removed. This was sent  XXXX   XXXX ,  2017 . I mailed off the information to them  XXXX   XXXX ,    2017  by certified mail. I checked my credit report on  XXXX   XXXX ,  2017  and the  itm  is STILL SHOWING. I called and was treated very rudely and put on hold for what totalled about an hour and I was told a bunch of lies. I can not believe the lies and deceptions. They stated that they would remove it within  48  hours of  XXXX   XXXX ,  2017 . The item is SILL showing and all the reps are rude and obnoxious. They in clear violation of FCRA laws are still reporting the fraudulent account on my credit profile. Please Help as they are adding salt to my wounds.
Product: Payday loan, title loan, personal loan, or advance loan

The interest rate I signed up for was totally different than the interest rate I received.
Product: Checking or savings account

Robinhood chat agents stated I would be receiving a credit of {$1900.00} in customer service chat since my shares were assigned on a Short Put Option that was part of a Calendar Position, they then exercised it and sold the shares putting my account in a deficit of {$73.00}. 

I reached out to Robinhood about it and a Supervisor named XXXX stated that I will not receive the {$1900.00} which they had confirmed in writing would be credited to my account, and that it was my fault because I should've sold the shares before they did to have been able to close the XXXX XXXX  Puts for a profit the following day, and I relayed that I was already promised the credit of {$1900.00} through their chat and he disregarded the customer service error, and so I was assigned again on XXXX of my remaining short puts that night, so I sold the shares as instructed by the manager so that I could receive a profit by selling the Puts the following day. 

The supervisor XXXX called me in the morning and stated that he will be automatically closing the Puts at a loss of over {$10000.00} on my account when I never had that amount of risk to begin with on the Put Calendars, and I educated him that he was the one by email stating that I should sell the shares if I want to be able to sell the Puts the following day, so not only should I not have a balance owed to Robinhood, I should have a credit of {$1900.00} from the previous interaction error made by their chat agents, and they should be trained to not leave unwary customers to create financial losses that are well beyond the original position obtained. If they want to assign short puts and allow customers to sell the shares then, the risk of the remaining long positions should fall on their shoulders, not the consumer especially when they advise to do so if the trader wants to obviously obtain a profit from their positions.
Product: Credit reporting or other personal consumer reports

I noticed on my XXXX credit report that I have duplicate listings of my student loans. Nelnet is reporting a loan balance. However, Nelnet transferred my loans to XXXX so I no longer have a loan balance with Nelnet. XXXX is reporting this transferred loan balance. This is accurate. My credit reports shows Nelnet and XXXX loan balances, doubling my reported total student loan balance. This has dropped my credit score by over XXXX points. 

XXXX does not have duplicate listings but has Nelnet listed instead of the accurate loan servicer, XXXX.
Product: Mortgage

We paid off a mortgage with Truist ( originally ) SunTrust on XXXX XXXX, 2021. We also paid off a XXXX  with Truist at the same time. The payoffs occurred after we sold our house and the title company, XXXX XXXX, wired funds to retire the loans. On the next day, XXXX XXXX, Truist removed our access to any details and history about both the conventional mortgage and XXXX  in their online portal. Truist owes us at least a little amount of money because the payoff amounts were conservatively calculated based on a XXXX XXXX payoff. I dont understand how Truist can delete the history and/or remove our access to view any details after the payoff. 

We need access to the loan accounts online to show the payoff for the new financing on our new house ( not financed by Truist ). We also need access to track any overpayment due because the loan was paid off two days early. We called Truist and were bounced around for over an hour with call center staff giving us inconsistent information. 

Can Truist really cut off our access to the loan accounts history upon repayment, including overpayment? This just seems wrong. How do we track the overpayment?
Product: Mortgage

In XXXX of XXXX, my loan was evaluated for mortgage assistance by Freedom Mortgage, as my Covid-19 Forbearance Period was due to expire on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Freedom Mortgage dated XX/XX/XXXX, stating that I was approved for the Covid-19 Owner-Occupant Loan Modification ( FHA Standalone Loan Modification ). I called Freedom Mortgage on XX/XX/XXXX to confirm receipt of the approval letter and to make sure I understood the terms of the offer. The agent confirmed my new terms as outlined in the approval letter received ( attached ) : new monthly payment of {$1100.00} with a fixed interest rate of 2.125 %. Under the new terms, my first payment of {$1100.00} was due on XX/XX/XXXX. I was told that I would receive the loan modification paperwork by mail that I would need to review, sign, and have notarized before returning to Freedom Mortgage, this paperwork was never received for my review. After ensuring that I understood the terms discussed with the agent, I signed and dated the approval letter on XX/XX/XXXX and sent to Freedom Mortgage via email. I was also notified of receipt of the signed approval letter by an agent. 

As of XX/XX/XXXX, I have not received the loan modification paperwork under the terms outlined in my approval letter dated XX/XX/XXXX and my account is still showing a delinquent balance. I have been making the payments of {$1100.00} as reflected in my original approval letter. For the past XXXX  months, I have been diligent in my follow-up to ensure that my loan modification paperwork be mailed to me so that I can send it back for processing and my account brought to a current status. I have spoken to several agents who have been inconsistent in action and communication. I have also made numerous requests to have a supervisor call me so that this matter can be escalated and resolved. To date, I have not received a follow up phone call from a supervisor. 

I received a letter dated XX/XX/XXXX stating that I must cure the default on my loan in the amount of {$17000.00} by XX/XX/XXXX. My latest communication was sent to Ms. XXXX XXXX, an Escalation Specialist on XX/XX/XXXX via email. I have requested that she call me to provide an update on the status of my loan modification and my concern over the cure letter I received to cure the default on my account.
Product: Checking or savings account

Navy Federal submitted two ACH Withdrawals from my XXXX account without my permission. Totaling {$480.00} which may cause an overdraft to my XXXX account.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the XXXX XXXX XXXX XXXX, and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Debt collection

In XXXX I received an alert from my credit report that Account XXXX XXXX has " Parked '' a debt on my credit. No letter was mailed to me, no call made. Debt parking is illegal. XXXX XXXX was provided a identity theft affidavit along with a police report In XX/XX/2020. The debt was removed back in XXXX of 2020. Now, Account XXXX XXXX will not honor the identity theft documents. I am hoping that you all will fine the collection company for debt parking this debt in my name, as well as fine them for not honoring my dispute that was sent via certified mail to the address of XXXX XXXX XXXX XXXX XXXX, OH XXXX.
Product: Debt collection

XXXX XXXX XXXX IS REPORTING A DEBT THIS IS NOT MINE. THE ORIGINAL CREDITOR IS XXXX XXXX. I HAVE NEVER LIVED AT XXXX XXXX. ACCORDING TO COURT DOCUMENTS PERSON WHO LIVED THERE SOCIAL ENDED IN XXXX. NOT MY SOCIAL. THEY WERE EVICTED AND FILED BANKRUPTCY AND THIS IS PUBLIC RECORD. MY COUSIN AND I HAVE THE SAME EXACT FIRST MIDDLE AND LAST NAME. SO MY NAME IS VERY COMMON. THIS IS NOT MY DEBT.
Product: Credit card

On XX/XX/XXXX, while on vacation in XXXX, I was drugged and robbed. My phone was taken, and my XXXX XXXX XXXX card was used for XXXX purchases, XXXX for XXXX XXXX and XXXX for XXXX XXXX. XXXX is trying to force me into paying these even though I was a victim of a crime. I made two disputes, and both were rejected, stating there wasnt enough evidence, and I was told to go back to XXXX and make a police report. There has been no proper investigation.
Product: Debt collection

During an inquiry about buying a home the potential lender informed me that my FICO scores were not high enough because Debt Recovery Solutions recently opened a new collection dated XX/XX/XXXX for XXXX. I have NEVER received a single notification of this debt so I called them and asked them what it was for. I was informed that it was for XXXX during the periods of XX/XX/XXXX to XX/XX/XXXX. I asked him how to get rid of it and she started screaming at me that the only way to get rid of it was to pay it or they would sue me. This is the second time they are reporting it with different dates to different bureaus. They reported it inaccurately to XXXX as originating in XX/XX/XXXX and last activity was in XX/XX/XXXX. For that account and the new one they have not allowed me to validate the debt to inform that that it is way past the Statute of Limitations and that I did not agree with XXXX 10 years ago. They have re-aged the account to make it look like it just happened in the last 3 months and it dropped my scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian two letters to dispute 2 accounts that they have reported inaccurately. The first was sent XX/XX/22, the follow up was sent XXXX It is now XXXX and I still have not received a response, nor have they corrected these two accounts. 

They are reporting inaccurate payment statuses on both accounts. 
XXXXf- is a closed and paid in full account- they are reporting the payment status os " late 60 days '' which is not accurate- The payment status is to be the CURRENT payment status. Ive asked them to correct this to show Current of paid as agreed. the two year history that is older than two years old needs to be removed also. 

XXXX XXXX is a closed and paid in full account- they are reporting the payment status os " late 30 days '' which is not accurate- The payment status is to be the CURRENT payment status. Ive asked them to correct this to show Current of paid as agreed. the two year history that is older than two years old needs to be removed also. 


Ive included both letters sent as well as a copy of my credit report for both accounts.
Product: Credit reporting or other personal consumer reports

XXXX Account Number : XXXX - Please delete because of inaccuracy since the dates last activity is shown differently on the report ; XXXX shows 1XX/XX/2022, Experian claims it was XX/XX/2022 while XXXX reports XX/XX/2022. Additionally, this charge-off account shows a {$440.00} balance. The balance should not be reported after it was a charge-off. This is clearly inaccurate. As per 15 U.S. Code 1681e, consumer reporting agencies are required to take reasonable measures to ensure the highest level of accuracy possible when preparing consumer reports. This means you must employ proper procedures to minimize errors and ensure that the information pertaining to the individual in the report is as accurate as possible.
Product: Debt collection

I first reached out to diversified consultants back in XX/XX/2016, asking them to provide me with the original contract with my signature, because this debt is not mine. They then in XXXX provided me with someones phone bill with my name name on it. I then advised them again in XXXX to please provide me with the information I requested and at this time I also advised them that there was no way this debt could be mine because I was in the va XXXX XXXX XXXX XXXX at the time the dates are listed on the phone bill provided. To this date I have not heard a response. This needs to be removed from my credit file.
Product: Checking or savings account

Hi there, so I deposited a check on my checking account on XX/XX/year> the sum of XXXX and BANK OF AMERICA held the check and said it would be released on the XXXX, thats 2 days after it was deposited. My very first worry way the fast that the check was split into two payments, thats they held {$5300.00} and said on my mobile app it be realized on the XXXX at XXXX and {$57.00} to be deposited on the XXXX which means the check is short of {$220.00}. So on the XXXX at the given time, {$5300.00} was deposited into my account which I have details on how I immediately spent the money on a screenshot. At night, I called customer service and told him about the issue and asked me why I cant see the hold of {$220.00} and he told me I will receive {$220.00} on the XXXX at XXXX and the call was on record and on the XXXX, I will receive my balance of {$57.00} making my full amount. 
On the XXXX at XXXX as said by the customers service that I will receive {$220.00}, I did not receive the money so at arround XXXX, I called BANK OF AMERICA and explained to them again and the lady told me what she sees on her end is that the bank had deposited {$5500.00} into my account and I asked her if that was deposited once or twice which she did not give me an answer to that and the call was on record. We stayed online going back and forth with the issue because o told her I called the previous day and the same back told me I have record {$5300.00} and will receive XXXX today and instead of her verifying why I did not receive the money but she is telling me the bank Credited me XXXX which means either person is saying different things bout my account and if things were accounted, I dont know why they will be seeing different things on their end and that was already a red flag for me cuz toe different people are say different thing. 
Later that day, I say a full about on my transaction history that {$5500.00} was already cleared into my account that I still did not receive the {$57.00} I was supposed to, not talking about the {$220.00} because till today, I have not. So on the XXXX I received just the {$57.00} and is short of {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This was reported Unlawfully..I been trying to get it removed since 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX credit card # : XXXX is lost/stolen, and have fraudulent transactions listed on the account.