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

I was suppose to receive XXXX points on XXXX XXXX XXXX for purchases paid on XX/XX/XXXX. When I did not receive these points I call Wells Fargo. They told me that those points were being held up because I had disputed a credit charged to my credit card. I waited until the despite was settled. After the dispute was settled I noticed that they had awarded me the points I had coming for XX/XX/XXXX but not the ones they owed me for XX/XX/XXXX. I called them and discussed the matter with them several times. All they did was give me the run around. On the final call to them ( XX/XX/XXXX ) they kept putting me on hold and this went on for about an hour. Finally they just hung up on me without giving me a reason. I know that what I am saying is true because I was watching my point totals very carefully in anticipation of the rebate kicking in. I am wondering if they have cheated me out of points on other occasions when I wasnt watching my point total so carefully. I am also wondering if then can do this to me whats to keep them from doing the same thing to thousands of other customers.
Product: Credit card

This is my second attempt to get help from an outside agency for this problem. I sent my complaint to XXXX in NY re American Express. I was told the company was sending me a written response by mail. After almost 3 weeks, I never received it! 
Did they lie about this? Looks that way! 
Here are the details of my complaint. 
Blue Cash everyday card~ Am Exp # ending in XXXX I am a retired senior citizen filing an American Express complaint after being a satisfied customer of American Express for XXXX years. I was a consumer who paid my bill in full on time, put everything on auto pay, and was very conscientious about keeping my payments up to date and my credit report clean. 
Due to lack of action and correction on the part of AMEX, our relationship reached a tragic end. heres what happened - I had to receive an XXXX XXXX XXXX last XXXX ( XXXX ) and asked the XXXX staff to run it through my insurance which they said they did, however, after receiving the shot I was presented with a {$62.00} bill. 
I went round and round with them, and they refused to correct the issue. When I spoke with XXXX staff they said it shouldve been covered at 100 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I decided to dispute the charge with American Express explaining all the details to XXXX different supervisors on different days and times. They offered to remove different amounts from my bill but couldn't get the {$62.00} amount correct. I dont know why. 

After all this time and frustration, I finally told American Express I would be closing the account. I had held this open for a long time with a perfect payment record. I closed the account then I got a notice that they had recognized my disputed charge and removed it! The account was then officially closed. They decided to continue to charge fees, interest and other charges on the outstanding {$62.00} which had not been removed at the time of the account closing.! 
Is it legal to assess these fees retroactively? Once a disputed charge has been removed? 

They have run up a bill against me now for over {$730.00}. This is financial fraud and must be stopped.! This is creating economic hardship for me, in addition to negative credit report issues! 
What can be done about a company that refused to work in good faith with a valued client over a payment/dispute issue which was clearly presented ... and eventually resolved! 

My XXXX credit score was XXXX on XX/XX/XXXX prior this event. Now, as a result of AMEX s reckless, unethical mismanagement of my account, it stands at XXXX! 

This is devastating to me, a retired XXXX XXXX XXXX on a fixed income ; particularly during this high inflationary environment. 
American consumers should not be forced to deal with unethical conduct in a Company like American Express! 
Where is the consumer protection? 
I look forward to your reply!
Product: Credit reporting, credit repair services, or other personal consumer reports

First off I am a real person not a 3rd party person or company but I'm and a 2nd year LAW student who is studying consumer law so I know a little bit about what I'm speaking about. In accordance with the Fair Credit Reporting Act the following accounts are a violation of my rights under section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days upon notification from the consumer. It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. No consent is identity theft. FEDERAL LAW OVVERIDES any company policy! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft. This letter serves as a formal dispute regarding the following accounts. I have reached out to each company directly and was advised to follow these steps to resolve the issue. I have filed a report with the FTC and contacted all relevant companies. Now, I am disputing the information associated with the fraudulent accounts. I kindly request your assistance in resolving this matter. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ) an installment loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a secured loan account opened at XXXX on XX/XX/XXXX, under the account number ( XXXX ), and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$3800.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORTS I NOTICED A REPO ON REPORTSXXXX IS NOT PROPERLY INVESTIGATING ACCONT
Product: Credit reporting

I wanted to receive my free annual credit report online. Went to annualcreditreport.com and chose TransUnion as the company to receive my report from. This transferred my request to the TransUnion website where I could only get my report by PAYING {$1.00} for the report and score. {$1.00} is not much but I do not want to give out my credit card information as it has been compromised several times, so I could not use the website. Called TransUnion customer service. They said I could use the phone service ( having to give my Social Security number over a cell phone, not secure either ), or write. If TransUnion will not give the free annual credit report online, then that should be noted via annualcreditreport.com. I believe TransUnion is making it difficult to get a free credit report on purpose. Please investigate.
Product: Credit card or prepaid card

On XX/XX/XXXX I called the bank and spoke with XXXX operator # XXXX requesting a COVID 19 deferral. I was told by XXXX that my request for payment deferrals was approved and my payments were going to be deferred until XX/XX/XXXX. e.g. No payments would be required from now until XX/XX/XXXX. 

Starting on XX/XX/XXXX I received multiple daily harrassing calls from BBVA stating that I had failed to make my payment for XXXX. I called the bank and let them know that I had been promised a 4 month deferral on XX/XX/XXXX and gave them the name of the operator that had granted that request as well as her operator ID. They confirmed that they could see that I had called in on XX/XX/XXXX but would need to pull the call record to see what they had promised me because they had only deferred my payment by one month rather than the four I had been promised by XXXX. 

So on XX/XX/XXXX I opened a case ( Research Case # XXXX ) requesting the call record from XX/XX/XXXX be pulled and that they verify that I had been indeed promised a four month deferral. The operator that took the case on XX/XX/XXXX was XXXX ( ID XXXX ) and promised I would be notified as to the results of pulling the call record and what the first operator had promised me within 10 business days, which would have been no later than XX/XX/XXXX. 

As of XX/XX/XXXX I have received no response to my request to confirm my call granting me a four month deferral on XX/XX/XXXX. In the meantime I'm still constantly receiving threatening calls and letters stating I'm behind on my payments ... but they're unable to contact me regarding my research request that would resolve everything? 

On XX/XX/XXXX I received another threatening letter from BBVA stating that I was behind on payments. I called in on XX/XX/XXXX and asked the agent what was the result of the research request I had submitted on XX/XX/XXXX and was told that no one had pulled the call record but that I need to make a payment.
Product: Mortgage

FREEDOM MORTGAGE is charging me for " payoff statements '' they send to lenders I am researching in an effort to refinance. Now my XXXX payment says I owe {$30.00} more than my normal, fixed 30-year payment! 
While calling, a representative also found an erroneous " late fee ''. ( My payments are deducted directly from my checking account and have NEVER been late ). I imagine that " late fee '' has been included in the payoff amount, adding an additional {$41.00} to their profit. I am a Veteran and resent the sloppiness of the bookkeeping and additional charges.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, US Bank denied my business a line of credit, business credit card increase, and equipment loan. I called my local branch to see why I was denied. I spoke with XXXX XXXX, multiple times. She brought XXXX in on the conversation. 

I had a meeting with XXXX XXXX on Wednesday, XX/XX/XXXX at XXXX. She ran my credit on XX/XX/XXXX ( second time ). 

XXXX said the underwriter declined my request due to bankruptcy in XXXX. 

This is the second time, within XXXX  months, I have been declined credit from US Bank. XX/XX/XXXX, I was denied a personal credit card. I came into the branch asking why because I know my score and credit history. The bank representative stated my score was above XXXX and my history was good and didn't understand why I was denied. She spoke with underwriters, and a few days later, I was approved for a personal credit card. 

Somehow, US Bank sent a Cash Flow Manager email with {$12000.00} XXXX  Loan in my previous business name. I never applied for a XXXX Loan in XXXX. 

I spoke with US BANK XXXX Customer Service they said they could not see what happened and that I would need to go into the branch. I called again. I spoke with XXXX. I was on the phone with XXXX for XXXX minutes. XXXX also said he looked at my business account and did not understand why I was denied. I left my information and time for his manager to call me back, but he never called me. 

I spoke with XXXX. XXXX said US Bank has reported " Paid as agreed, '' not " Poor credit performance with U.S. Bank '' US Bank approved me for a Business Credit a couple of years ago, so how could a bankruptcy from XXXX hurt me?
Product: Debt collection

in 2022 i called this company to informed them that i dont owe them anything or i dont owe the company who they are trying to collect for. the company park place apts sold me a surety bond stating that it will cover any expenses once i move out the apts. well when i moved the company did not hold up their end of the bargain. i have a legal binding document stating that i am not responsible and that i was covered by a bond that they sold. park place apts are a scam and scandalous. these apt was bought out due to poor customer service and stealing from customers. why sell a product if its not going to cover the insured. i contacted national credit systems and uploaded proof but the continued to be rude to me and demanded that i pay. i also had park place attorney to call to let them know that i dont owed anything and they continue to be rude. national credit systems need to be investigated for fraud collection
Product: Mortgage

Nationstar Mortgage consistently reports my mortgage as not received. I contacted them 6 months and disputed it thru the 3 major credit reporting companies. Nationstar fixed the problem for approximately 3 months and has stopped reporting my mortgage as being paid. This has dramatically impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX are not my acount and have been reporting over 7 years. I never had these accounts. My parents passed away during this time and i wasnt working. How could I get a credit card? I reported ove 100 ftc reports the.banks are ignoring me. This is against my fair rights. They are threatening me. They both said my credit will continue to me ruined until I pay them. Its not there problem This account was closed on XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX {$820.00} Reported XXXX XXXX limit {$500.00} You're using 165 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$0.00} Opened PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$820.00} Worst payment status No Info This account was closed on XX/XX/XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$930.00} Reported balance Credit limit {$700.00} You're using 134 % of your account 's limit OVERVIEW Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$930.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldnt include an active payment history. 
This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX account # XXXX Account name : XXXX account # XXXX, Account name : XXXX account # XXXX Account name : XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 7:48 98 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

The company is legal required to provide a XXXX Tax Form by XX/XX/XXXX of the applicable year detailing the mortgage payment information. The company has failed to provide such and has avoided communications regarding requesting this information. 

Under, 26 USC 6722 they should be fined for this failure. However, the fine for such a failure is so insignificant that the company has no incentive to follow the required law. They rather take an attitude of indifference toward their statutory duties owned to the consumer. They take this attitude because the fine levied for their failure is so little that they could have over 10 million similar violations and still not have it impact their operating profits. 

The company at issue is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX are reporting to my credit file a fradulent account that was opened without my permission or consent. The address they have on file for me doesn't even correlate with my home address.I am a victim of identity fraud, I have filed an FTC report, XXXX XXXX XXXX Report, and filed a police report. I am demanding the following listed lenders to update my credit report within 30 days of receiving this or I will pursue more legal action to file law suit under fair credit reporting act. Furthermore both of the accounts opened with the creditors above have then been sent over to a collection agency under the name of Midland Credit Management.I demand MidLand Credit Management to IMMEDIATELY REMOVE THE 2 COLLECTION ACCOUNTS THEY HAVE REPORTING TO MY CREDIT FILE. FAIR CREDIT LAW SECTION 109 PROTECTS ME OF MY RIGHTS AND IF THEY DO NOT COMPLY IMMEDIATELY I WILL PURSUE LEGAL ACTION. YOU GUYS ARE COSTING ME A FINANCIAL HARDSHIP BY TERRORIZING MY CREDIT REPORT DUE TO ME BEING A VICTM OF IDENITY THEFT XXXX XXXXXXXX XXXX is reporting the account was opened XXXX XXXX with total fraudulent charges of {$320.00} XXXX XXXXXXXX XXXX XXXX XXXX  XXXX is reporting the account was opened XX/XX/2021 with total fraudulent charges of {$710.00}
Product: Mortgage

My mortgage is owned by XXXX and serviced by PNC Mortgage. My Loan # XXXX. I have been working with PNC for XXXX years now to get a Making home affordable loan modification to save my home from forclosure with no success. I have reviewed all the information and based on guidelines should qualify. PNC has been giving me the run around. I have given them all needed documents and they close my file and make me start over. They keep blaming it on the investor guidelines buy wont allow me to speak with anyone from XXXX. I am never given clear denial reasons. Please help me save my home from forclosure. I am stressing out over this long process that leads no where. I have once again submitted another making home affordable application on XXXX/XXXX/15.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.
Product: Credit reporting or other personal consumer reports

There are plenty of incidences of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX  XXXX Late Payment {$29000.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$850.00} XXXX XXXX XXXX XXXX Collection {$850.00} XXXX  XXXX XXXX Charge-off {$810.00}
Product: Credit card

A XXXX XXXX credit card account was opened under my name and identity with Synchrony bank on XX/XX/XXXX and the person who opened the card immediately charged {$3200.00} on it. I received a notification from XXXX from XXXX XXXX that a new account was found under my name and immediately called XXXX to close the account since I did not open the account. I was not even in the country when it happened. XXXX advised that they will close the account and investigate. On XX/XX/XXXX, I've received a letter noting that the account has been closed, major credit bureaus have been notified, and an investigation has been initiated on their end. On XX/XX/XXXX, I've received a letter in the mail from XXXX stating that the fraud claim has been rejected because I've " authorized, participated in, or benefited from the purchase ''. I called them and they stated that the XXXX XXXX receipt shows my name and address so I must've been the XXXX to make the purchase. I've contacted a lawyer who suggested reporting to the police. I've contacted the police and an investigation was opened and assigned to a detective but I have not heard of any progress. I've reached out to the FTC 's XXXX and went through all the steps but did not resolve this issue. Finally I've contacted idtheftcenter.org and was told to report to the CFPB. I'm hoping this will resolve this issue once and for all since my credit score is really taking a hit for something I did not authorize.