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

We were supposed to travel to Arizona with my wife and XXXX daughters. My younger daughter became very sick and we had to cancel my wife 's and my daughter trip. We purchased the trip with Sapphire Reserve Card which had travel cancellation insurance.We paid part of the price with the points we accumulated. 
I submitted insurance claim including proof that we purchased the tickets, signed form by the doctor and airline cancellation confirmation number. 
Despite this Sapphire Reserve Benefit service continue to require from me the same documents and adding new unreasonable documents that I can't practically obtain including ( see list of documents and my comments below ) : - A letter from the tour provider or common carrier that provides a breakdown of the unused prepaid flight expense, hotel, or cruise ( airline refused to provide me this letter ) - The copy of the Travel Supplier 's Cancellation or Refund Policies ( the airline does not send these policies to clients but we provided to the company airline trip cancellation numbers - see attached ) A copy of your original itinerary which includes the dates of travel, name of travelers and cost of the trip ( i already submitted this document ) The Physician Statement Form that you provided was not complete. Please provide us with a copy of the Physician Statement Form completed and signed by your physician ( I already did multiple times ) Verification from the Common Carrier, Tour Operator, Travel Agency, or Travel Supplier ( ex : airlines, cruise lines, hotels, etc. ) on their letterhead or email regarding any refunds or credits provided for future travel. ( Airline refused to provide this but I already submitted airline cancellation conformation numbers ). 

A copy of your updated itinerary outlining any change fees you incurred to change your trip or documentation from the Common Carrier outlining any change fees you would incur to use your credit at a later date. ( i just cancelled the trip and there is no such a document exists ). 

I strongly feel that Sapphire Reserve asks me for the same documents again and again and asks for the documents I cant practically obtain in order not to pay my insurance claim which is extremely straight forward in its nature : My wife and my daughter had to stay home and Sapphire Reserve has to refund their flight tickets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle. XXXX XXXX was the lender. XXXX XXXX repossessed my vehicle even though I sent in my payment. Now they sent a check of a little over 4k dollars. XXXX XXXX will not remove this from my credit report. My husband was the primary signer on the account, therefore, I feel this item should be deleted from the credit report. In addition according to the letter, we ( I ) received from XXXX XXXX I have the option of seeing an attorney to pursue legal action against XXXX XXXX. All I want is for them to remove this item from my credit report and remove from my husbands ', XXXX XXXX XXXX, credit report and I will not pursue action against them. This has made my credit score go down. I lost a job paying over 75,000 per year. Not only that I have tried to work with them to get this item removed/deleted from our credit file. All three credit reporting agencies tell me it is up to the creditor to remove and how they report to the credit bureaus. This is XXXX XXXX mistake and I nor my husband should have to pay the penalty of their mistake by making our credit scores go down. All we want is for XXXX XXXX to delete the item from our credit reports. Thank you
Product: Vehicle loan or lease

On my XX/XX/XXXX Toyota Financial Services ( TFS ) statement, I was charged a late fee for missing the XXXX payment, even though I authorized it by replying " PAY '' to their text messages. On XX/XX/XXXX, at XXXX XXXX, I called TFS to dispute this. After over an hour of discussion, the representative agreed to waive the late fee. During the call, I noticed the statement showed an outstanding balance of {$830.00}, but the representative said the payoff amount was {$840.00}. Frustrated and wanting to avoid future issues, I authorized TFS to deduct {$840.00}. On XX/XX/XXXX, TFS withdrew {$840.00} twice from my XXXX XXXX account. I contacted them immediately, and they admitted the error, promising to refund XXXX payment, which they credited on XX/XX/XXXX. The representative confirmed the car was paid in full, and I received the title and XXXX letters confirming this. On XX/XX/XXXX, TFS left a voicemail requesting I call back. When I did, the representative claimed I owed {$860.00}. Despite explaining the car was paid off with proof of letters and the title, they insisted otherwise. Frustrated, I asked for a manager but was told none were available. On XX/XX/XXXX, at XXXX XXXX, my son called TFS on my behalf. He spoke to a representative, XXXX, who admitted their error, apologized, and promised to resolve the issue and close the account. On XX/XX/XXXX, I received a letter confirming the account was closed. However, on XX/XX/XXXX, TFS called again, claiming I owed {$860.00}, instructed me to ignore previous letters, demanded I return the title, and threatened late fees. This harassment has caused extreme stress, worsened my health, and left me seeking a resolution to protect my credit.
Product: Credit card

I provided two securities via registered mail to Discover Card. Not only was my interest not electronically transferred to my XXXX account, but my credit report does not reflect the payments they have received. According to UCC 3-604 due to their neglecting to process my payment and failure to return said securities I have discharge and I am no longer indebted to Discover.
Product: Debt collection

IC Systems recently reported a {$270.00} collection account on my credit report. Prior to reporting this debt, I did not receive a notice of my right to dispute ; which is a violation of federal collection law.
Product: Debt collection

I received a debt collection call from TSI about an overdue XXXX account alleging that I owed over {$8300.00} - I told the agent it is not my debt and is fraudulent. The address they had is not my address. I do not have a XXXX account and so informed the debt collector. Even so, the debt collector reported the debt to XXXX- and I have filed a dispute with XXXX. My credit score has now dropped XXXX points. The XXXX amount was charged when my credit files with all three agencies were locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX  XXXX  XXXX XXXX OH XXXX. 
My DOB:XX/XX/XXXX my SS:XXXX XXXX XXXX XXXX is my only address please remove any other addresses from my credit report they are not accurate. I have a Late payment that is appearing on my account that is not accurate. I have never been late on any of my accounts. Not sure but I have also contacted XXXX XXXX to see about the issue as well My current and only employer is XXXX XXXX XXXX XXXX XXXX please remove any other employer.
Product: Checking or savings account

Hi, my transaction has been debited through capital one a/c, through XXXX on XXXX XX/XX/XXXX of XXXX $ and on XXXX XX/XX/XXXX XXXX which was not done by me after that I reported to bank about this, first bank says they go as refunded temporarily credit, but after that XXXX, they send email and denied my dispute .thats y I m writing this complaint to you guys so at least you can help me, the claim id number of bank which is send by them is # XXXX and second 1 is # XXXX.
Product: Mortgage

My mortgage company sent me a solicitation ( attached ) to refinance my loan. I feel that this is a deceptive letter because it highlights the monthly payment reduction without making it clear that if the loan goes to term I will actually pay nearly {$100000.00} more than the original loan. This is exactly the kind of predatory practice that caused the great recession. Why are companies like this allowed to " trick '' unsophisticated consumers into thinking they will be saving money rather than paying out vastly more in the end. I look forward to hearing what you can do about this.
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on X/XX/17 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. By not responding and postponing the sale date the lender is not allowing an adequate review and assistance to be provided to the client
Product: Credit reporting or other personal consumer reports

MACYS/XXXX  has an unverified hard inquiry requested on XX/XX/year> on my credit report and I want it REMOVED from my credit report. Ive never applied for A Macy 's card
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stolen By a unknown Identity theft all account open by this unknown theft was listed in this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I have begun my dispute with all of the credit agencies since XX/XX/XXXX. I have sent to Experian my dispute letter along with my Identity Theft report. XXXX and XXXX have removed it from my file however, Experian refuses to remove it. I have spoken to XXXX, XXXX, XXXX and XXXX. They are telling me that it can't be removed. I told them that this account isn't mine and that I have filed a dispute since XX/XX/XXXX. I also told them that by law they weren't supposed to report anything on my credit without my consent and I haven't given them my consent to do so. XXXX told me she didn't need my consent and that XXXX XXXX has given it to them. She told me to go to them and dispute it. I told her that her agency was reporting it. She said that it was verified. I asked her to tell me how it was verified? What number did they call? Who did they talk to? and when was it verified? XXXX says she didn't know. I demanded that it be removed. She said she can't and if I needed to start a dispute, she can assist me. I asked to speak to a supervisor. XXXX was the supervisor who told me that the documentation that was sent was incomplete. I asked how can it be incomplete I followed the instructions on their site? I told also told them that the other agencies had it removed with the same documentation that I provided to them. I told him his agency had a obligation to furnish accurate information in which they are not. He said what XXXX and XXXX does has nothing to do with him. Isn't my consumer report is supposed to be 100 % accurate according to the law? Well, it's not. At this point I am demanding that XXXX XXXX be removed. I was denied a loan for $ XXXX because of inaccurate reporting. In spite of my many letters sent to this agency, I am still having a hard time removing this item from my consumer report.
Product: Checking or savings account

I opened a Checking Account with First Citizen XXXX  on XX/XX/2020 with the promise of a new account bonus of {$300.00} if certain conditions are met. 

I have met all the conditions and still have not received the bonus. I have contacted the bank via electronic message and received no response.
Product: Credit card

Hello, I was sent a request to apply for a credit card with Capital One to see if I was preapproved. I went through the application process. They showed me that I was preapproved for two secure credit card options. One of the options was the Capital One XXXX card secured along with the regular Capital One credit card secured. Then I was denied stating that they couldnt confirm my information with XXXX. That isnt true. Capital one stated that by making this inquiry it would not have an effect on my credit score. That isnt true. My XXXX score drop by XXXX points by them stating it would not have an impact on my score .My score with XXXX XXXX by XXXX points. This needs to be corrected. My score shouldnt be allowed to drop by FCRA by using false advertisment by Capital One. This inquiry did make a hugh impact on my credit report. I would like them to be held accountable for false advertising. This isnt right for the consumer. I want my score back up with XXXX by the XXXX points dropped along with the XXXX points with XXXX. I have prestine credit. I only have XXXX credit card. Please get this error and false advertisement rectified. 

Best Regards, XXXX XXXX
Product: Checking or savings account

I recently discovered that fraudulent activities were conducted on my account without my knowledge or consent. As a result, I believe it is essential for the checks system and other reporting agencies to remove the fraud alert associated with my account. This situation not only infringes upon my consumer rights but also violates UCC 9-509, which protects my right to privacy and control over my financial information. The unauthorized sharing of my data by banks and reporting agencies compromises my trust and rights as a consumer. I urge immediate action to rectify this matter and restore my standing.
Product: Checking or savings account

On XX/XX/2023, I ordered a cake in person from XXXX XXXX, in XXXX, XXXX, XXXX I sent an email at the time of purchase, as per the clerk 's request. I paid for the cake, and even gave a " tip. '' I felt confident as per the " Excellent '' reviews, and " reputation, '' of this Bakery. ( I am new to XXXX ) and did not have much experience to go on, only the reviews on XXXX, and XXXX. I was wrong. When I picked up the cake on XX/XX/2023, I noticed straight away, it was sitting on the shelf behind the counter. In a box WITH NO LID. I was handed the cake and had to struggle to open the door with no help from the clerk. TWO RED FLAGS ALREADY. I took the cake to my granddaughter for her XXXX Birthday as her present. This was what she wanted for her birthday. A " Popsicle Cake, with white batter, white icing, with popsicles on the cake. '' When the guests arrived, and after she opened her gifts, etc., it was time to sing XXXX XXXX and have cake and ice cream. When the cake was sliced, it was NOT white, It was YELLOW batter. Then when we tasted it, it was DRY and WAS NOT HOMEMADE as advertised. I reached out to the owner, XXXX XXXX. NO RESPONSE. I reached out to her several times. I then advised XXXX XXXX, due to her not responding to my emails, and phone calls, I would contact my bank and look into filing a dispute. She then responded ( how ironic ). Chase errored in that it only disputed for {$77.00}. I wanted a full refund of {$170.00}. In the end Chase sided with XXXX XXXX. I believe this is unlawful, and XXXX XXXX was deceptive and dishonest. My cake was ordered person, with a photograph. The cake was not hard to make. I could have baked it myself, and in the future will do so. This is a " professional '' bakery, and I am at a loss as to why this cake was not done properly. The money I paid for this cake was more than my monthly utilities. XXXX XXXX has no regard for her customers and has other restaurants and bakeries she owns. This money is nothing to her, and she could have refunded me, but chose not to do so, out of spite for the fact that I filed a dispute. Chase has become apathetic towards its customers ; due to a downfall it has suffered. That is not ethical to take out its financial woes on its customers. More Corporate greed. That will be the downfall of the XXXX XXXX. I will see to it that these two aforementioned Companies will repay me with the monies owed, along with punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to properly investigate previous disputes regarding a derogatory ( Bankruptcy ) public record that they are reporting, and refuses to re-investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

this creditor is reporting inaccurate information on my consumer report. the account is inaccurate because it is listed as an inaccurate status that does not correspond with the current status that the account is in. i requested the form 1099c as per the irs when the account is in charge off status or a form 1099c was not filed therefor the account was not charged off. so its been reported inaccurately and pursuant 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This account must be deleted pursuant these laws
Product: Debt collection

This correspondence is to notify LVNV FUNDING LLC that there are fraudulent account ( s ) resulting from Identity Theft being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''.

15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Furthermore, LVNV FUNDING LLC debt collection practices are in violation of the FDCPA. Please see attachment for further details.
Product: Credit reporting or other personal consumer reports

A XXXX ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXXXXXX 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: Mortgage

I am begging someone to assist with issue. There is currently a sale date scheduled for this coming Tuesday, XX/XX/2018. This file is under contract and ready to close within a month. We have sent in the signed purchase and sales agreement and all other documentation requested. US BANK WILL BE GETTING A FULL PAYOFF as a result of the sale. We sent in everything over a week ago and it sat on someone's desk and never got reviewed. We finally got it into the hands of someone that requested the postponement and was just waiting on a manager to approve it. 

I spoke with the manager- XXXX ID # XXXX who said " unless you pay me my money, I'm not postponing the sale ''. Unless XXXX is the owner of US Bank and will be receiving the payoff into his own bank account, I don't believe he has any authority to treat anyone like that. We just talked a sobbing, broken woman down for the past 45 minutes telling her we would do everything in our power to help. this is unfair and deceptive to not help me avoid a foreclosure. 

My XXXX year old son suffered a XXXX XXXX because of the stress of losing our home and I am on the edge of the same. I need the proceeds from the sale in order to secure housing for me and my poor son. 

We are just asking that the auction be postponed in order to allow the sale to happen so that I can recover from the trauma of it all. I am attaching all relevant documents to this complaint Is there anything at all in your power to help us
Product: Credit reporting or other personal consumer reports

Over 2 months Im trying to explain the violations to them but they simply dont want to hear anything. I found another violation just right now I will keep everyone busy for deleting this account. Robinhood Credit is one of the worst company that I ever seen, this company dont care any type or Federal Law, Im as a consumer pushing them to correct and report accurate account but nothing changes. Since its been over 45 days and no correction I demand to delete this account forever in 3 credit reporting agencies asap. Will be uploading another violation which shows that account number is reopening only one digit. Bu the Law FCRA account must be reported at least 6 digits so consumer can demonstrate if any issues, here is reporting just one. My previous complaint has been proven with actual proff that this company is reporting 3 different names and account number on 3 credit bureaus. Enough violating the Law, Constitution says everyone must follow the law, doesnt matter you are Present of United States or market cashier.
Product: Prepaid card

I am the victim of identity theft. My ATM/Debit card was stolen and was used for an unauthorized XXXX XXXX Emergency Transfer transaction on Friday XX/XX/2022, for {$1800.00}. and XX/XX/2022 for {$990.00}. I did not authorize any transactions on or after this date, and I did not authorize anyone else to use or request a XXXX XXXX Emergency Transfer in any way. One claim was approved the other was not. I have requested what information was used to approve the claim in the amount of {$9600.00} I have been told there is no information.
Product: Debt collection

On XX/XX/, a gentleman came to my door and my daughter answered. He was serving paperwork that stated it was from Chase Bank. My daughter accepted the paperwork, showing that I have 14 days to contact the local courts or the attorney listed. I contacted XXXX XXXX courts and they told me I needed to contact the creditor company. I contacted the Attorney and was transferred to a telemarketer who said I had 3 payments to pay off the debt of {$9100.00} or a judgment will be marked against me. The attorney 's name is XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I would Like to file a complaint regarding an account reporting to my credit report without my knowledge or authorization. Specifically the account in question is XXXXXXXX XXXX XXXX XXXX account number XXXX which has been reported as an Authorized User on my credit report with a duplicate account number as my actual Georgias Own account. I did not consent to this Authorized User account. This inaccurate reporting violates my rights under the Fair credit Act particularly the following laws 15 U.S.C.1681e ( b ) and 15 U.S.C 1681i ( a ) I have also attached below a copy of my credit report showing both accounts with the same account number, One showing the responsibility ( Individual ) which this account would be accurate However the account showing the responsibility of ( Authorized User ) is not mine and I would like to have this account removed immediately. Thank you