23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was booking a flight and applied for the Citi card on that was cross marketed on XXXX XXXX website. It stated {$200.00} credit and XXXX miles if you apply and use your card on the flights. I was instantly approved but when I went to book it said I couldnt because of the temporary credit limit. I called both XXXX XXXX and citi customer service and nobody could help they said I had to wait until the card came to book it due to the total price being over the temporary credit limit. Now the flight went up by like XXXX bucks! And XXXX XXXX cant adjust the price. This needs to be rectified because now the statement credit i applied for in the first place doesnt even make a dent because the price went up so much. I tried on multiple occasions to rectify and Citi actually confirmed they dont disclose that you cant use the full credit limit when you apply. My temporary limit was XXXX and the flights were XXXX and now they are XXXX! They wouldnt even raise temporary limit on the day of application to facilitate the purchase. I feel I was bated into applying for a card for a promotion that wouldnt actually make sense once I was actually able to use the card to complete my purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Experian and XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019 ; XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

According to law, 15 USC 1681i ( 5 ), inaccurate or incomplete information can not be provided on my credit report, and I have found the XXXX XXXX XXXX account ( account number ) : XXXX has incomplete and inaccurate information in all three bureaus. of credit,,,, According to law 15USC 1681e ( b ) there can not be inaccurate or incomplete information reported in the 3 credit bureaus
Product: Credit card

I called American Express on XXXX XXXX for information regarding adding my sister as an authorized user, but during the call the agent suggested that I upgrade my card. I agreed to upgrade because I have been monitoring the promotions regarding the upgrade. I fulfilled my requirements for the upgrade but did not receive the correct miles nor statement credit. I was only given XXXX miles and {$200.00} statement credit but was supposed to receive XXXX miles and {$350.00} statement credit. I have called numerous times and was told I would be contacted however I never received any response. I was also told by agent the calls are monitored and that the back team could go back and credit account if they find an error and would also be able to provide extra miles credit to account since its their fault that the miles for my flight went up and will not NOW have enough miles to pay for the flight.
Product: Bank account or service

This bank of america, gave all my money without letting me know to a some type of collection agency because they said that they receive a letter from a lawyer to take all my money and hold all my assests. Which they cant even tell me whom i owed with? First of all i dont owed anything that is more that {$2000.00} and second how thry can just garnish my money and gave it to the agency without letting me know and last how did they get my bank acct information?
Product: Vehicle loan or lease

On XX/XX/XXXX, I accidentally processed two payments for my car loan. After I immediately notice the system glitch, I notified the lender and asked them to reverse the second payment which was a duplicate. That option was refused and I was told that that wasnt possible. They are now assessing a a handful of fees ( {$15.00} each ) fee for the second payment not being authorized. I asked for them to waive the fees yet again today and they refused. Please charge the fees back to them.
Product: Checking or savings account

I deposited a check via Chase ATM from a payout due to an accident I was in via my insurance company ( XXXX ). I was given the wrong information and should have never cashed the check although it was made out to me it also had third party lien holder on it which is my cars finance company ( XXXX XXXX ). The funds from the check was processed into my account and a few days after my account was frozen due to fraud because the check was not endorsed by me and the finance company. I contacted Chase and although they said they understood the situation and it happens they would need either for XXXX to issue another check with the right endorsements, XXXX bank representative to recall the check ( in this case XXXX XXXX XXXX ), or for them to speak directly with my finance company to give a verbal okay to cash the check. I tried to get in contact with the finance company first and they said none of them numbers I provided them cleared through their phone number authentication process. I contacted XXXX to have then to reissue another check and they said they could not because it was already cashed. I asked Chase was the check cashed and they told me no it was just pending and another representative told me yes and that it was sitting in a special account for held funds. My claims adjuster from XXXX contacted their bank representative and tried to start the recall process and they were given the run around for weeks. I called with a XXXX representative on a three-way call to try to help move the process and they tried to make it seem like there was no knowledge of a cashed check or my account when the XXXX representative introduced herself they said that it was a mistake and that they misheard me. Chase Bank is withholding funds and wont release them back to my insurance company. The back and forth has been going on for almost a year at this point. The check was cashed XX/XX/22.
Product: Credit card

I am a victim of fraud, I didnt dispute the charges initially because the person paid the card off but then got the payment reversed l am now stuck owing everything charged according to discover but I dont know what all the charges are for or what the money advances are for or who they went to, everyone of my credit cards got closed because they suspected fraud and discover is no different but they are not willing to work with me and come to an agreement I am willing to pay for what I charged and in fact I did pay them for what I charged
Product: Credit reporting or other personal consumer reports

XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Transunion and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt in order to file as ordinary income. Where is my 1099-C XXXX  is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX, Transunion and XXXX are not an affiliate of XXXX nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX XXXX AMEX card today. Prior to applying, I verified that it was not stated that my personal credit would be pulled. In fact, the SSN entry box had an information icon next to it which, when clicked, clearly states that my social is only being used to verify my identity. This is a business account and as such should not report on the personal side anyway. If I granted permission or authorized this inquiry, then it was hidden which violates UDAAP and should be immediately removed as it was obtained illegally. American Express refuses to acknowledge their illegal practices which obviously violate UDAAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX called XXXX XXXX credit card which has an animal fee and doesnt have any benefits I have been told by XXXX XXXX that I should keep this card for 12 months before I apply for a different card and now I have this card for XXXX  year and XXXX  months and I have applied for different card to give me benefits and XXXX XXXX still declining my application XXXX XXXX keep lying to me as I have sent a complaint before to cfpb and XXXX XXXX replied back to the complaint saying I should apply for a different type credit card once I have the 12 months period completed abd now today XX/XX/2020 I have applied for XXXX XXXX XXXX cash back card and it was automatically declined by their system which it means they lied and they still lying Please I need help because XXXX XXXX likes me to keep the card I have because they charge me annually for it.
Product: Credit card or prepaid card

In XX/XX/XXXX I thought I was paying off my last payment off my Barclay credit card. I only used this credit card to pay off my phone. I paid off the last of around XXXX dollars and assumed my credit card was paid off. Unaware I was still being charged and in three months the credit card had apparently accumulated over XXXX dollars in charges, yet I did not know of this until I received a letter in the mail stating that I was past due on my bill after 90 days of not paying. That was the only communication regarding this account that I received and did not receive a letter after 30 days nor a letter after 60 days. I called the Barclay around XX/XX/XXXX to try and resolve this problem and spoke to the representative after receiving the letter to figure out why I was being charged and if someone might have been using my credit card. The representative removed the charges, but I had to pay for the late fees which I took care of right then and there and asked if this misunderstanding would be sent to the credit bureau which he stated it would have not and that my credit will be fine. My credit score stated that I had a serious delinquency stating I missed multiple payments after 90 days. I called Barclay multiple times around XXXX XXXX XX/XX/XXXX after I found out this stayed on my credit report but would be hung up on multiple times, multiple representatives stating they are not sure how to help me or circling around my questions and when finally talking to a supervisor regarding my situation seeing that I closed my account along with the misunderstanding regarding the situation, I was told not to contact the credit bureau as well as told to send a letter regarding the situation. I was confused at this point because I explained the situation to the supervisor and she not only see the account was taking care of but could have gone back into my account and look back on payments made and how things went wrong but instead told me to write a letter for them to report to the credit bureau. I contacted the credit bureau myself specifically XXXX  since XX/XX/XXXX and they were very helpful and tried to do everything in their power to help me in whatever way they could. Looking at my credit report I have always paid everything on time along with having a good credit history and so why would all of the sudden I would miss three months worth of payments? All I want is for this to be resolved I am planning on going to graduate school to become a physician assistant along with planning to one day have a family so I would like to not run into problems in the future because of this misunderstanding.
Product: Debt collection

Creditor refused to remove charge-off after paying the debt due to their XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a XXXX XXXX XXXX XX/XX/XXXX I signed up for automatic payments weekly. I never missed a payment and they started reporting the payment late and their excuse was it's late from when it actually goes to them not when it's debited out of my account. Also their interest is ridiculous which is not in my contract they have daily interest chargers and it can be whatever they want it be what I was told by one of the customer service. I the lease was for {$17000.00} I paid over {$12000.00} in two years they said I still owe {$14000.00} my insurance company paid {$10000.00} when the vehicle was totaled out in XX/XX/XXXX they have been reporting every month on my credit report missed monthly payments. I don't owe them paid more than enough they are rude when I call told me good luck on getting it deleted from my credit report. Now they are saying I still owe them {$4000.00} or settle for {$600.00} and the person who is responsible for reporting credit can't be contacted by phone only by email that they can't provide me. The company is credit acceptance I joined a class action lawsuit against them for doing the same to others yet they are still posting inaccurate information on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXI my American Express gift card was fraudulent used through an unauthorized XXXX account ... i called American and XXXX to dispute this matter for 3 Months straight. Finally XXXX  released the funds back to American Express but the issue Im having is that American Express will not released the funds back to my gift card because I don't have proof of Original Purchase .... As I stated to American Express Customer Service is that I was given this card as a gift and when i was given this card I Activated this card via the American Express site .... I have been in contact with them Since XX/XX/XXXX and i can't seem to get any resolution. I faxed over my Driver License and a copy of the card as instructed but they refused to release my money ... I have email proof that XXXX sent the money back to american express and accepting responsibility for this matter ... Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I inadvertently signed up on line with Experian for a membership which, as soon as I realized it cost, I stopped the application process ( I thought! ) A {$21.00} charge started showing up on my VISA statement. I called them. I did reach la real person. They agreed to stop the membership and the charge. But that has not happened. The charge is still appearing. I'm afraid to simply ask my VISA company to stop payment for fear doing so would end up showing up as a non-payment of something I had agreed to pay. They could negatively affect my credit rating. Today I tried, using two different " consumer assistance '' phone numbers from Experian and I couldn't get through to a person at all. This has been very frustrating!!!
Product: Debt collection

15 U.S.C. 1692c is a section of the Fair Debt Collection Practices Act ( FDCPA ) that addresses communication between debt collectors and consumers. It states that if a consumer informs a debt collector in writing that they do not want to pay a debt or that they want the debt collector to stop contacting them, the debt collector must comply.
Product: Credit card or prepaid card

As a business owner a buy American Express Business prepaid cards for gifting. My father is XXXX of my empoyees and I gifted him America Expess prepaid XXXX dollar card for XXXX XXXX. He did not have a chance to use the card right away and decided to use it in XXXX for my Mom 's Birthday. He checked the balance online and all funds from the card we used up by someone who got internal access to the card and used it on XXXX purchases on XX/XX/XXXX and XX/XX/XXXX leaving only XXXX cent. The card was never lost or stolen and always in my Father 's possession. We called American Express and XXXX and they did not offer us any resolution or refund of the depleted funds. The card is being advertised as very secure with monitoring of fraudulent activity which is not the case and my Dad and I feel a victim of a deceptive advertisement and business practice from AMEX for selling defective unsecure product is a form of American Express Bussiness Gift Cards.
Product: Vehicle loan or lease

I am writing to file a formal complaint against American Honda Finance. I co-signed a lease agreement for my daughter. She failed to make payments and I was never notified by mail, email or phone that any payments were delinquent. When the account reached XXXX months ' past due, I was notified by my credit monitoring service that my credit score had been negatively impacted. I had to contact Honda for the details and was told that I had no recourse to reverse the negative report. I wrote XXXX letters asking that the negative marks be reversed because I had not been notified of the delinquency. I never received a response to either letter and never received a valid reason as to why I was never informed that the account was past due. I called Honda to inquire as to the status and was simply told that my request was denied. It was immaterial to them that I have NEVER been contacted by Honda. 

As soon as I learned the account was past due, I immediately brought the account current, took full responsibility for the account and arranged to personally make all future payments. I take great pride in my credit score and Honda lacked empathy and concern to fix their error and acted callously and maliciously by reporting the late payments without ever trying to notify me so I could avoid these negative marks. Honda is a greedy organization with no concern for damaging the credit of an honest, tax paying individual. 

To reiterate, I never received ANY notice of delinquency from Honda and I was ignored when I contacted Honda by mail to resolve the issue. As soon as my credit monitoring agency alerted me to the issue, I brought the account current and have kept it current because I felt threatened by Honda that they would further tarnish my credit score without any notice. To this day, I have not received any correspondence from Honda in any form. 

I am only asking that the XXXX late payments be removed from my credit history.
Product: Checking or savings account

" The CFPB forwards the complaint to the company named, who is expected to provide a complete and timely response directly to the consumer. '' Please have your WELLS FARGO BANK XXXX ( XXXX which was identified as Bank of Origination for a deposit received that we believed was our XXXX Income Tax Refund for the Tax year XXXX. Wells Fargo 's deposit was made on XX/XX/XXXX in the Amount : {$980.00}. 
The deposit is shown as made by the Company Name : NY XXXX and XXXX ID : XXXX '' XXXX. What is the XXXX of the company NY XXXX? 
XXXX. Customer Name is shown as XXXX, XXXX. Are we customers of Wells Fargo bank as XXXX Taxpayers? 
XXXX. Why is my husbands name abbreviated as XXXX and my name absent as recipient for our XXXX XXXX refund? 
XXXX. Is XXXX a business partnership registered with the NY XXXX of XXXX in connection with Wells Fargo Banks employee, XXXX of the Bank or a XXXX Employee or anyone else? 
XXXX. Are my husband and I on Wells Fargo 's XXXX payroll under DLN : XXXX? 
XXXX. Is the Wells Fargo deposit recorded as a XXXX personal income tax refund in the XXXX Comptrollers accounting system?
Product: Payday loan, title loan, or personal loan

This is a inquiry that I do not recognize and I let the lender know that I did not authorize this transaction with trying to get a line of credit I need this to be off my credit report and removed immediately this inquiry was supposed to be off my report 1 month ago.
Product: Credit card or prepaid card

I have had a Synchrony Care Credit card for over 3 years and have worked tirelessly to pay off any and all balances as quickly as possible when Ive used it. Without warning, on XX/XX/XXXX, they closed my account. After spending literally 45 minutes on the phone I was transferred to an account manager who simply stated that they reserve the right to close their cards whenever they do a review of the persons credit, debt to income ratio, debt to credit ratio and other factors. My spouse is undergoing XXXX treatments and this card was my lifeline. It had a XXXX balance with a {$1000.00} line of credit and we needed to use it this week for treatments. They left the other 2 cards I have with them with much smaller balances open, because of course theyre making money from the interest. 3 years Ive paid this card off whenever its been used without fail. Their complete lack of empathy or ethics is absolutely astounding. Why can they just close an account and reply with Weve mailed notification to you as to why but then not close the accounts with a balance? That just raised my debt to balance ratio significantly and my spouse CAN NOT WORK and is seeking treatments for XXXX XXXX What am I supposed to do now, that I really need those funds? Theyre response of, you can always reapply or see if you prequalify was not sufficient. They could have lowered the balance or reached out to me BEFORE just closing the card with impeccable payment history. I still dont have the email or letter they allegedly mailed out 3 days ago to tell me they closed my account without ethical cause or reason. I guess they were not making enough of a percentage return to value the fact that this card was incredibly important to me.