23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have previously disputed with Experian and in response they verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is they do not give information out. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately
Product: Credit card or prepaid card

I signed up for an offer for an American Express XXXX Honors Ascend credit card on XX/XX/2018 because of an offer of XXXX XXXX Honors points after you spend {$2000.00} within the first three months of account opening. I contacted American Express today because I met the {$2000.00} spending in XX/XX/XXXX, I had approximately {$2500.00} of spending, but I have yet to receive my sign-up bonus points. The representative I was chatting with said it would take 6-8 weeks before I'd receive my points, but I stated I hit my spending requirements more than 10 weeks ago. His response was that my spending requirement was {$3000.00} not {$2000.00}, I quickly stated that the offer I signed up for was for {$2000.00} not {$3000.00} as he stated it said on my account. He stated I wasn't correct because in my account it showed {$3000.00} in which I asked for the terms from my date of signing up, and he said he could not provide those terms because they are " online. '' I also stated that the {$2000.00} is inline with the current offer of XXXX XXXX Honors points after spending {$2000.00} within three months offered today on their website. After further discussion he got his supervisor to take over the chat, he stated the same thing but offered to open a complaint with AE which I declined. Then after that the chat session was closed due to inactivity online because it had been over 10 minutes since I signed into my account. So, I called the 800 number for AE and spoke to XXXX ID # XXXX, he basically stated the same thing but understood my concern. He said there was nothing he could do for me though beside opening a complaint. He opened a complaint, # XXXX, of which he said they may contact  me within 7-10 days. The chat ID is XXXX. 

American Express does not send applicants copies of the terms and conditions of the offers so they don't have to follow through. Nothing in my account online shows the status of reaching my sign-up bonus, so they are purposely not disclosing this information to mislead customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft pursuant to 15 U.S.C 1681a ( q ) ( 3 ). I filed an identity theft report on XXXX XXXX, XXXX. There are inquires being reported on my consumer report by Experian. There is an inquiry from XXXX Bank on XXXX, XXXX, XXXX and are XXXX inquires from XXXX XXXX XXXX Bank on XX/XX/XXXX and on XXXX, XXXX, XXXX. I did not give written consent to have these inquires reported. I made Experian aware of this by sending off supporting documents via certified mail on XX/XX/XXXX. The supporting documents included a copy of my license, for identification purposes, a copy of my XXXX for proof of address, a screenshot of my consumer report that shows the inquires, the identity theft report, an Affidavit, and a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, and XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX XXXX veteran very difficult.
Product: Debt collection

Collection item reported on credit report. Attempted to dispute via credit reports AND also contacted the collection agency as this debt is not mine. The collection agency has not answered the phone every time that I have called to dispute item. According to what is reported, the name of the collection agency is listed as CONSUMER ADJUSTMENT CO, XXXX XXXX XXXX, and XXXX XXXX XXXX. They are stating I owe XXXX dollars from a loan taken out in XX/XX/2020. I have not taken out a loan with these companies in XXXX or any part of 2020. The address of this company is XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and the phone number I have attempted to call is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MA XXXX Subject : Dispute of Inaccurate Information & Noncompliance Civil Liability Under 15 U.S. Code 1681o Dear cfpd, I am writing to formally dispute inaccurate information on my credit report and to bring to your attention your failure to comply with the requirements of the **Fair Credit Reporting Act ( FCRA ) **, specifically Section **1681o**, which holds credit reporting agencies accountable for negligent noncompliance. 

On XX/XX/XXXX, I submitted a dispute regarding the following inaccurate entry on my credit report : - XXXX XXXX XXXX XXXX  account number # XXXX - reporting errors late payment, incorrect balance, or status Despite my dispute and the clear evidence I provided to demonstrate that the information is inaccurate, it appears that the credit report has not been updated accordingly. Additionally, I have not received any communication regarding the status or outcome of your investigation within the required time frame outlined under the FCRA. 

Failure to comply with the FCRA**especially your failure to investigate the dispute in a timely manner, or provide me with a written responseconstitutes **negligent noncompliance** under XXXX15 U.S. Code 1681o**. This section specifically provides that a consumer may pursue civil remedies when a credit reporting agency fails to properly investigate and correct inaccuracies in the consumer 's report. 

To summarize, my complaint is as follows : 1. Noncompliance with the FCRA** : The failure to investigate my dispute within the 30-day period ( as mandated by the FCRA ).

2. Failure to Correct Inaccurate Information** : Despite providing supporting documentation, the inaccurate entry has not been rectified. 
3. **Failure to Communicate** : I have not been provided with any timely updates or the results of your investigation into my dispute.

I request that you immediately : 1. Investigate and correct the inaccurate information on my credit report.

2. Provide a response** regarding the status of your investigation, including the results and any actions taken.

3. Compensate** for any damages or inconvenience resulting from your negligence, in accordance with the provisions of the FCRA XXXX 

Please find enclosed the supporting documentation I have submitted previously and again for your reference. I expect this matter to be resolved promptly, as per the FCRA requirements, and I request that you respond to this letter no later than 15 business days from receipt.

Should you fail to comply with the FCRAs provisions, I will not hesitate to seek further legal remedies available under 15 U.S. Code 1681o, which may include pursuing damages for negligent noncompliance. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank closed  my Walmart Store Cred it Card without notice or warning a few days ago. I have n't used the card lately. I 've never been late.
Product: Debt collection

I have be asking for proof of purchase and the to see the validity of this debt, i notified through this platform that i would be receiving a debt validation letter, i have yet to receive anything from this company. Communication has been sparse, and they are completely unprofessional.
Product: Debt collection

Buyer beware. I should have read all the horrible reviews about this law firm. BEWARE. I had been paying for a few months now, I believe approximately 6 payments of {$500.00}. So a total of approximately {$3000.00}. Unfortunately I was unable to continue making the payments of the payment plan. Therefore I decided to file for bankruptcy instead. Well I called to cancel the program and expect at least some money back, since nothing was done on the account, other than collect the money from the payment plan. They advised I would only be getting a whopping XXXX XXXX in return. How is this possible that every payment I made went to fee 's and fee 's for doing nothing other than collecting the payment. This law firm makes you believe that this law firm and its program is helpful, when they aren't doing anything but collecting every payment. I understand there are fee 's, but it is outrageous that fee 's were charged for doing nothing. I expected at least half back. Either way, BEWARE of this program, I guarantee it is not right for you, look elsewhere.
Product: Credit card

I missed a XXXX XXXX flight due to late cruise ship arrival at XXXX On Saturday XXXX XXXX, 2016. I could not call and I did not expect a refund. That day I called to make a new reservation for the following day. I then called hotels and found they we all booked due to weather issues. I immediately called back Spirit to cancel the reservation and was told that I could not because it was less than seven days since I made the reservation. Well that was obvious. I argued to no avail. I later found out that I could cancel the reservation within seven days as per XXXX XXXX on-line cancellation policy, see attached document. I then called and spoke to a Capital One reservation agent and described my plight the agent, name XXXX, Operator Number XXXX she assured me I would not get charged. I was subsequently was charged and disputed the charge see attached document dated XXXX XXXX, 2016. The charge was subsequently reversed. I was notified there was additional information from XXXX XXXX by Capital One on XXXX XXXX, 2016, but I did not receive any additional information until XXXX XXXX, 2016. Capital One stated that they were recharging me the {$490.00}. The letter XXXX XXXX sent see attached is completely untrue and they failed to follow their own policy. I received a letter on XXXX XXXX, from Capital One that completely ignored the issues I outlined in XXXX XXXX XXXX 2016 letter to them and they closed the case. Capital One did not follow required guidelines in resolving my complaint. The issue was not resolved within 2 billing periods as required by law. I have never felt so aggrieved by XXXX companies as I do these XXXX. Please help me to remove the charge from my account. 
Sincerely, XXXX XXXX
Product: Mortgage

I do not know what is going on with my servicer Mr. Cooper. I thought I was in Forbearance during the COVID 19 Crisis. 
In XXXX I received a curious letter from Mr. Cooper stating that my loan modification paperwork was being reviewed and that all the documents I submitted to them were Receive. Problem Is I never sent them anything. Also I never received an answer from Mr. Cooper if the Loan Modification was approved.

This aroused my curiosity and I did some research and found that Mr. Cooper was disciplined by you the CFPB in XXXX for sending inaccurate paperwork and reporting on their loans that they serviced. 
I also found out that in XX/XX/XXXX The Board of Governors of the Federal Reserve Issued statements for the Services and banks to work with customers on loan modifications including reinstating established loan modifications. 
I believe that Mr. Cooper is creating this paperwork to show the FED that they are working with customers when they actually are not. I ask that you investigate this matter ( see attached Complaint letter set to Mr. COOPER
Product: Checking or savings account

Suntrust ( now Truist ) abolished all checking account types and imposed new ones ( much higher minimum deposits ) as soon as the merger with a large North Carolina bank was approved more than a year ago. It also added a raft of new hidden fees, which I specifically asked about but was assured there were none. 

The most galling is a {$5.00} a month charge simply because I download account information from the bank to XXXX. This was provided free for decades under the SunTrust banner. And suddenly became an exhorbitant monthly fee when I was forced into a new type of checking account post merger. I complained and was told " Oh, that had been waived previously but since you have a new type of account ( which I had no control over ) we are charging you now. '' This is beyond outrageous for something that is totally automated, had been automated for decades and requires no human intervention or effort on the part of the bank. 

Yet another hidden fee concerns simply writing more than 5 checks ( which includes autopay accounts involving no checks and ATM withdrawlas -- ANY withdrawal ) per month. Also did not exist previously. 

In essence, simply using a bank as a bank now incurs fees, even if you maintain minimun deposits and meet minimum auto deposit criteria. 

Please stop these abusive practices ....
Product: Credit card or prepaid card

On XX/XX/XXXX, I logged into my Amex online account to see that my Amex Gold card was targeted for an upgrade offer to the Platinum card, which came with the following upgrade bonus : XXXX Membership Rewards points after {$2000.00} spend, plus XXXX Membership Rewards points on grocery/gas spend for first 6 months. I reviewed the terms, was eligible for the offer, clicked through to accept the offer, and was approved. 

After a couple weeks, I had hit the spend threshold and was actively putting grocery spend on the card, but the upgrade bonus didn't post, and the groceries were not earning XXXX Membership Rewards points. On XX/XX/XXXX, I called the Amex support line only to be told that the offer was attached to my card, that the points may be delayed, and to keep spending on groceries because the bonus points would post within 8-12 weeks. In reliance on these representations, I continued to put spending on the card. 

On XX/XX/XXXX, I called again and was told the exact same thing : offer is attached to the card, all good, keep spending. I called back again that same day to confirm that the first agent was correct, and to ask the agent to open a support ticket on the issue. The second agent indeed confirmed the first agent 's advice, opened a support ticket, and told me to keep spending. 

Today XXXX XX/XX/XXXX XXXX, I called again, and the ticket had been closed, stating that my card was ineligible for the bonus. The agent let me know that according to the Membership Rewards team, the card was never eligible for the offer. The Membership Rewards team claims that when I upgraded the card, I clicked through a popup stating that the card was ineligible for the welcome bonus, which is absolutely categorically false. Further, I was assured by four separate agents that my card was indeed eligible, which induced my to put months ' of spend on that card. 

The XX/XX/XXXX agent told me that she escalated the matter as far as possible, and that the Membership Rewards team will not be adding the offer or honoring the points that I should have earned for the spend that I put on the card in reliance on four ( 4 ) separate agents ' assurances. 

This unfair and deceptive practice cost me roughly XXXX Membership Rewards points XXXX which I could have redeemed through Amex 's travel portal for over {$750.00} in airfare ) and hours of my time repeatedly calling in to be lied to about my card 's eligibility for the welcome offer.
Product: Consumer Loan

Hello, Im a XXXX veteran unemployable. My wife and I were able to purchase a brand new car from XXXX in XXXX Delaware. We received the car in XX/XX/2016.Approximately 2 months later we received the loan papers from Ally auto financial company. They were requesting 2 payments right away, and the third payment was coming up due shortly. The 2 payments would have been $ XXXX {$460.00} ( upcoming 3rd payment ) .To speed up this story, I have been in constant contact with them. This week XX/XX/XXXX, I spoke to my loan manager, XXXX . I advised her I will make a payment within 2days. On Saturday morning XX/XX/XXXX, at XXXX I spoke to a XXXX ( male ) and he transferred me to the payment line. I made payment and received a confirmation number. Before he transferred me I advised him, the same thing I told XXXX. I said after this payment, I would make a payment on XX/XX/XXXX. Approximately 2 1/2 hrs later, my car was being repossessed! I spoke to the tow truck operator and he obviously saw I was XXXX. I advised him I paid for the car earlier and I need to go back into my home and get the company on the phone and I would get the keys. Approximately 2 minutes later, I returned to the outside and my car was gone and you can see on the loose rock the car had been dragged! I did not find and business cards anywhere. I spoke to a female who answered the phone for Ally, she said she had no idea why this happened!? She tried Call XXXX the repo company. Unable to? I need help desperately. I respectfully request your help. FYI : I had constantly informed different call takers I am a XXXX veteran. I. Said I got the loan papers 2 months after the car was bought and I asked if the 2 months could be placed on the back end of our loan. I was told, I would have to have 6 months paid, before they could even consider the request.?? Therefore, Im 2 months behind. I believe the loan company is a bad practice business and they need to be dealt with. They are bullies. I understand I need to pay my bills, but how can I pay when the company is setting me up for failure!!!!!! On the other hand, the repo company acted in a bullish, destructive manner. I am a XXXX and proud to have done so, but I did not fight for bullies and loan companies who place consumers in a failure modeMy XXXX took pictures of the loose loose stone. Please help me. I need to have my XXXX drive me to my points in the car. Thank-you.
Product: Credit reporting or other personal consumer reports

I have XXXX late payment on my XXXX XXXX Credit Card ( Account Number XXXX ), XXXX XXXX XXXX ( Account # : XXXX ) that is reporting late on XXXX of my credit reports but showing as on-time on my other credit report. 

According to 15 U.S. Code 1681 my reports need to show accurately and it is currently not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for a year to get my credit report from transunion.they keep saying their information doesn't match mine but wont tell me what so we can fix the problem.online or by phone we cant get past address.but yet they send me notices to MY address saying I have to send proof of address to them.I did this back in XXXX of 2019 but they still claim address doesn't match.cant get anyone to explain whats going on.funny to me XXXX  and XXXX  no problem getting credit reports just transunion.can someone please help me get this resolved.i am trying desparately to get my credit repaired.i am not sending my personal information to them again without knowing they are getting it.any help is greatly appreciated.thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason : XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

Tracking everything CC : FTC, XXXX, CFPB Client name XXXX XXXX