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

AMEX refuses to credit a promised promotion through " AMEX OFFERS '' when a purchase was made to take advantage of a targeted " Amex Offer ''. 

My AMEX Platinum Card received a targeted offer for purchases made through XXXX XXXX {$100.00} off purchase of {$100.00} or more made through Dell.Com ). This offer stated an expiration date of XX/XX/XXXX. 

This offer was added to my card and an order exceeding {$100.00} was made from the merchant 's website on XX/XX/XXXX. The merchant sends a confirmation of order on XX/XX/XXXX ( which can be provided if needed ). 

The charge goes into " pending '' status on credit card statement as of XX/XX/XXXX. 

On XXXX I checked my statement to see that the charge had posted, but no applicable {$100.00} credit was added to my statement. I reached out to the merchant through their " Chat '' support to determine a resolution. The chat representative informs me that since the merchant decided to post the charge after their expiration date, they will not honor the credit. 

On XXXX I called into AMEX Customer service and explained my situation to a customer support agent again hoping for a resolution, as I assumed there to be a misunderstanding. I placed the order prior to the offer expiration date and, as a customer, have no control over when a merchant decides to post a transaction. The agent acknowledges that determining when a merchant would decide to post a transaction is out of my hands, however states that there's nothing that AMEX is willing to do to resolve the situation as the merchant posted their transaction after XX/XX/XXXX. The agent transfers me to a manager. The manager reiterates that the are logging my complaint, however there is nothing they can do in the way of a resolution. 

I am hoping a formal complaint will encourage the company to reevaluate how they handle this deceptive and exploitative " promotion ''. There is no conceivable way having an arbitrary " fixed '' expiration date tied to their offers are fair to the consumers, if this date is fixated on a characteristic the consumer has no control over ( i.e. charge posting date ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me understand why this investigation is taking so long. Im a victim of identity theft!! I first notified Equifax XX/XX/21!! Its now XX/XX/21 and Equifax is still investigating!! I see I must get and Attorney and file a report with FTC and FCRA!! Its 3 accounts on my report which are fraudulent!! XXXX XXXX & XXXX  has blocked & deleted items!! Equifax keep saying they are investigating, its nothing to investigate. One company sent me a few pages of a contract, WHICH DOES NOT HAVE MY SIGNATURE ON IT!!! IT ALSO HAS THE WRONG DATE OF BIRTH BECAUSE ITS FRAUDULENT! Equifax NEEDS TO FOLLOW SUIT AND DELETE THIS ITEMS FROM MY REPORT ASAP!! 

1 XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$610.00} 2. XXXX  XXXX ( XXXX XXXX XXXX  ) {$590.00} 3. XXXX XXXX XXXX {$500.00} IVE NEVER DONE BUSINESS WITH ANYONE OF THESE COMPANIES, IVE NEVER ENTERED INTO A CONTRACT WITH THESE COMPANIES!! These accounts are fraudulent!!!
Product: Vehicle loan or lease

I tried to make a payment and i ran into a computer glitch with their company and it didnt take my payment and im still current but has a late fee on my account
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Transworld System Inc. popped up on credit report as a collection account with a late payment. I do not and have never had an account with them. Also, I do not have any scheduled payments with them so how could they report a late payment. This fraudulent account and unfair practice is in direct violation of fcra. Please assist me with removing this fraudulent account from my credit profile.
Product: Credit reporting

Equifax have copy of police report and so does they company i am disputing. I 've requested equifax to send me copy of contract, proof of validation and they failed to do so several times been back and forth with equifax sine last year i 've sent the letter to the several times every time i dispute this account
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct Violation of the Fair Credit Reporting Act and several of my rights has been violated 15 USC 1681 Section 602 A. Clearly states that I have a right to Privacy 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove late payments, collections, and charge offs ands update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( A ) - Exclusions the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1681n Civil liability for willful non compliance Furthermore, any CHARGE OFF remarks are not only a violation of the FCRA but also the IRS Tax Publication that states a charge off written off by the creditor must be claimed as income on a 1099C and income is NOT to be reported on a consumer credit report/file.
Product: Credit reporting or other personal consumer reports

Experian is reporting false fraudulent bankruptcy accounts and addresses on my credit report. I have contacted Experian by phone and email. I was told by there rep that it is an error and the errors would be removed. but there are still there. HOW CAN BANKRUPTCY ACCOUNTS BE ON MY CREDIT REPORT WHEN I DONT HAVE A BANKRUPTCY. EXPERIAN responded that the items were verified, I have not received any proof of any of this further more per FCRA Experian is in violation of 15 U.S.C 1681s-2 ( A ) ( 1 ) and 15 USC 1681b ( c ) Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Report Number XXXX Date Generated XXXX XXXX, 2024 XXXX  XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a comprehensive reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Product: Debt collection

AMEX is fraudulently reporting on my credit report in the amount of {$3800.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX  & Experian. 

I didnt hear back so I sent the dispute again on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$100.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation.
Product: Debt collection

I sent a CERTIFIED MAIL DEBT VALIDATION letter to XXXX XXXX XXXX requesting that they VALIDATE NOT verify a debt that they are attempting to collect from me. I specifically asked for a singed agreement and other supporting documentation. They provided me with account summary which does not prove i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted asap. I have no obligation and or contract with them at all. They have failed to provide proper documentation in the 30 days also. They have failed to show me a sign document where i have applied and sign for it also. 15 U.S. Code 1692c states ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given any company above written consent to contact me about alleged debt.
Product: Mortgage

My parents and I own a rental home in XXXX XXXX, Louisiana. We each own XXXX % interest in the property. The residential home is worth according to XXXX approximately {$68000.00}. In XXXX, we purchased the home and paid off the mortgage. A local bank, XXXX XXXX, provided us a {$35000.00} home equity line of credit at that time and took a first mortgage on the property. This loan was subsequently shifted to XXXX and now Whitney Bank due to bank acquisitions. We have a XXXX month history on making on-time payments for this home equity line of credit. XX/XX/XXXX, we were contacted for the first time by a representative from Whitney Bank stating that the term on the line of credit was expiring in XXXX XXXX and we needed to provide tax returns and financial statements for review. My parents and I submitted this information within two weeks of the request. Prior to this email requesting financial data, we have never heard from any representative at Whitney Bank despite being a 25 year client with a performing loan. XX/XX/XXXX, I was called by the representative from the bank and informed verbally that Whitney Bank was not going to renew the line of credit. They would offer us a term loan to payout the balance. When I inquired as to the reason for this decision, I was informed verbally that we were n't using the line properly. Our issue with Whitney Bank is that there was no outreach by them to connect with us as 25+years customers of the bank. There were no communications from Whitney Bank on any defaults on the terms of the loan. Nor were we given an opportunity to correct any defaults. Our complaints also include poor customer service from Whitney Bank and lack of investment in the minority community. If we were not in compliance with the terms of the loan, why would the bank representative ask us for tax returns and financial statements. If we were in default of the terms of the loan, then why request financials and tax returns?
Product: Debt collection

I purchased appliances from Conn 's Home Plus. I used their in-store credit to finance the purchase. I made the first two payments in store and neither were credited to my account. I received collection calls and informed them I have made my payment, I also discussed the issue face to face with the manager in-store, both call center and store manager assured me it would be corrected. It has not only not been corrected and credited to my account, the collections center calls my phone 8- 10 times a day. They call repeatedly even though I remind them the payment is in dispute. I also asked them not to call before XXXX since I work nights, they ignored that request.When I complained about the excessive calls the operator responded " yeah that tactic is quite effective. '' I have lost sleep and productivity at work due to the hourly calls. If I actually owed the payment it might not be so stressful but since I do not, it 's quite frustrating. I will attach receipts where I paid my bill and also screenshots of my phone call log, there 's is the only number so you can see how often they call. A quick internet search reveals I am not the only customer being harassed by this dreadful company. ( I had horrific delivery and installation issues as well but that 's for another forum I suppose )
Product: Vehicle loan or lease

Explained situation to lender. I have medical issues that caused me to become behind on my loan. Been trying to pay as much as I can but was told by lender to not even bother paying because they are repossessing it anyhow. I was in the hospital in XX/XX/XXXX  for a serious illness, my employer did not pay me in XX/XX/XXXX  and I have a chronic illness that makes it difficult to work at times. Santander is also Robo calling my phone several times a day. They have also not applied any of the payments that I have made towards the loan to begin with. They are a predatory lending company, I am paying close to 27 % interest on a car that is 10 plus years old. The dealership that also sold it to me knew that I needed a vehicle to get to work and doctor appointments and took full advantage.
Product: Credit reporting or other personal consumer reports

I checked my credit score and found out that a credit card ending in XXXX was opened without my knowledge. This account is not mine in any way.
Product: Credit card or prepaid card

Hi, I signed up for an online business training program for {$2000.00} onetime payment or a {$2400.00} XXXX time payment with a guaranteed result to either earning our investment back within XXXX weeks or receive a refund. The only condition for such a guarantee was participation in the program. 
Many impressive stats and testimonials were presented to convince the would be participants of the the workability of the program through a big promotional push toward a once a year opportunity that was about to expire. 
Proximately XXXX people signed up starting in the XXXX of 2021 consisting of many seniors and low-income people who were lured into paying for a big pie in the sky that were not delivered. 
After the presale push and the start of the program many hoops and conditions were gradually introduced into their well-oiled deceptive psychology of marketing that we were not aware of before signing up ; conditions and requirements that if they were openly revealed to us before signing up we would have never participated. 
Currently many of the " helpless participant '' are left with an empty bag full of nothing but lots of hype filled with a bombardment of hallow ideas of online money-marketing ideas. 
I have prepared a document regarding this case and have submitted to PayPal Credit, which is managed by Synchrony Bank. I have followed up with MANY phone calls and they have badly handled my claim, through a series of employees ' errors, but also reversing their decision after resolving it in my favor giving me no logical answers for doing so. 
It appears that my XXXX GB attached document to Synchrony Bank has not been carefully reviewed to detect the fraudulent practice of " Live Your Massage '' as a company and return my funds back to my account. 
My complaint is about " Live Your Message '' as well as the Synchrony Bank known more as PayPal  Credit. My attached file- if reviewed properly- is a document that will win with hands down in a court of law.
Product: Checking or savings account

The company said they pick and choose which transaction they allow to be paid. Apparently it t is the smaller transactions. Also they do mot adhere to their two day wait until charges are charged on negative balances.

This has be happening multiple times and there is never an explanation until recently a banker asked me if I had an auto deposit, which I do have two direct deposits for this account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute to TransUnion via XXXX certified mail ( tracking number XXXX ) to address inaccurate accounts on my credit report, including incorrect personal information. To assist with the verification process, I included copies of my ID, social security card, and proof of address. 
Subsequently, on XX/XX/year>, I mailed another dispute to TransUnion via XXXX certified mail ( tracking number XXXX ) to redispute the inaccurate accounts and personal information on my report. I again provided copies of my ID, social security card, and proof of address.
Product: Credit reporting or other personal consumer reports

TransUnion credit reporting agency does not provide appropriate and adequate operational support to their FREE account holders. Attempts to place a freeze on access to my credit data needs to be a simple, efficient system. Though their website initially presents to address this need, after creating a free account, attempts to Freeze are met with a message indicating they're experiencing problems and to call them directly, which results in XXXX minute hold times. The internet has a long running narrative indicating this has been and continues to be an ongoing issue with TransUnion, that they do not properly address. It is suggested their " paid for service '' works perfectly fine. This is unacceptable! If they can't properly manage a website, they should NOT have access to my critical information and should be required to delete ALL credit information, SSN 's and get out of the credit reporting business. FYI : The other reporting agency 's, XXXX and XXXX websites work flawlessly for this same service, on a free account!
Product: Payday loan

Ace cashed my check a before the actual due date due to it being a holiday without my consent, My account was over drafted as a result of this and when i called them to tell them what they did she told that they cashed it and it would n't go thru due to it being a holiday and that they were not going to reimburse me for my overdraft charges i received for XXXX. Not to mention i have already paid them double of what I have borrowed already and have always used them and paid every single loan on time every time was never late. Today i get a call from a guy calling from a company called XXXX number XXXX asking me if I will be home so he can come and deliver me some papers THRU XXXX XXXX, which led me to believe that he was a sheriff. I asked him what was this for and it said he would have to transfer me. He transferred me and it was Ace Cash Express. I was livid when she told me that this is a validation letter that was going to be mailed to my home. I called him back and told him that i will be home i was calling off, but i wanted to know what was his job title and why was he coming to my home to give me papers, He said he was a courier. I do n't feel safe with someone that knows my information threatening to bring papers to my home. The person that i spoke with said that he must have been confused so i called him back just to make sure this was n't a mistake. He asked for my work address and if i still worked for my old job and then said the name of the place. By this time i have my recorder on and asked him the same questions again just to make sure that this really just happen.And he said the same thing but got mad and said you are being blocked. and hung up in my face.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. RESULTS OF DISPUTE - DELETION OF COLLECTION -PYOD, FAILED TO SUBMIT THIS DISPUTED RESULTS TO ALL CRAS AND ONLY SUBMITTED TO ONE AND HAVE BEEN NEGLECTION AND IGNORING MY REQUESTS TO REVISE. I AM TRYING TO FIX MY CREDIT AS ITS EFFECTING MY LIFE. PLEASE STOP IGNORING AND UPDATE. I WILL SEEK LITIGATION
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine.