23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I tried submitting an online dispute with Equifax via their dispute website : www.investigate.equifax.com. I received an error message that said they were unable to initiate my dispute with the information I provided. I then called ( XXXX ) XXXX to file the dispute with a live agent. After holding for several minutes, my call was answered by a representative named " XXXX. '' XXXX asked me my confirmation number and I provided it to him. He then asked if he could place me on a 1 to 2 minute hold, while he tried to access my information. He came back on the line and asked my my name. I gave it to him and he asked me to repeat it twice. I did. He then asked if he could place me on another 1 to 2 minute hold to verify my information. He came back on the line and asked me for my address, I gave it to him. He asked me to repeat it twice, I did. He then asked to place me on another 1 to 2 minute hold. He came back on the line and asked me how could he assist me. I told him I was unable to submit a dispute online and need the assistance of a representative. He then asked me my confirmation number AGAIN. I asked him what the problem was and he said he just needed to place me on another 1 to 2 minute hold. He came back on the line and said he needed to verify my information again and would I be able to repeat it. 

I feel like I'm being treated like I'm doing something wrong by trying to access my OWN personal and confidential information. I was unable to get assistance online or via phone with Equifax. This has happened to me in the past, and I need clarification as to what the problem is. 

My credit is crucial to my well being and I am unable to get answers or assistance from Equifax. 

I need help.
Product: Mortgage

I have tried to pay off my FHA mortgage. ( Wells Fargo Bank ) I have received a pay off notice that is opposite of my original loan agreement.
Product: Credit card or prepaid card

I have applied for the American Express Hilton Honors Surpass card with a XXXX points bonus after {$1000.00} spent. I have met that minimum spent, but American Express refuses to give me the welcome bonus. I have tried reaching out to American Express many times to fix the issue but they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX XXXX XXXX  XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$430.00} TransUnion : XXXX XXXX XXXX XXXX Balance Owed : {$430.00}
Product: Checking or savings account

On XX/XX/2023 I logged into my online banking to check my balance. I notice a entry that was not made by me. I opened up the entry to notice a check ( which I had previously made out to my medical provider ) was made out for {$220.00} and cashed. I contacted the bank and told them what had happened. I followed everything they instructed me to do. I went in to the local branch at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I explained to them what was going on. But was told There was not a branch manager there and the 2 staff members did not know when or if she will be back. From there I went to the XXXX XXXX Police Department and filed a complaint. I was help by XXXX XXXX XXXX, who took my complaint and gave me a crime victim paper. On Monday XX/XX/2023 my sister took me to the XXXX XXXX XXXX. I explained to a a teller XXXX XXXX why I was there and what had happened. She had me to wait and directed me to one of the Branch Bankers XXXX XXXX. I explained to him why I was there and that my account was fraudulently jeopardize. I gave him all information ( Copy of police report, cancelled check front and back, carbon copy of check in question ) and let him know I wanted to be reimbursed. XXXX took all information closed the account and opened me a new checking account with new debit card. From XX/XX/2023 through XX/XX/2023 I have been to the XXXX XXXX Branch or called to find out what was going on, and I can not get anyone to call me back. I called in XXXX and ask for the fraud department. I explained again why I was calling and that I wanted to speak to someone in the fraud department. I spoke to a gentlemen who told me they wanted me to contact the bank where the check was cashed. I told him I was not going to do his job, I wanted my funds put back into my account. I said if you are FDIC bank I should not have to go through this much trouble to have my funds returned. I have been a customer with BMO for over 40 years, and should not be treated this way. I am at my wits end. Please help. Thank you XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, I took my settlement check to the branch in which I was told that {$220.00} would be available today and the remainder would be available XX/XX/23. Today ( XX/XX/23 ), I checked my account to find that the amount that was supposed to be available was not there. I then checked my email to find that Bank of America emailed after my visit to the branch saying my deposit wouldn't be available until XX/XX/23. I have a receipt from the teller saying the funds would be available on the dates originally listed. I feel like I was lied to so that I could do business with their bank. While I understand that there would be some hold. It is unfair to extend it a full week and give no explanation as to why. It says holds are usually 5-7 days and this date they have given me is beyond that window.
Product: Credit card or prepaid card

In XXXX XXXX I had an American Express, XXXX XXXX credit card. In XX/XX/XXXX I canceled the card for I was not traveling as much anymore. In XX/XX/XXXX I received an offer for a new XXXX XXXX American Express credit card. The offer stated I would get XXXX bonus XXXX XXXX points after spending {$750.00} in the first three months. I applied on line, and received the card inXX/XX/XXXX ( American Express letter datedXX/XX/XXXX ). Neither the initial offer nor the letter accompanying the card mentioned any restrictions related to the XXXX bonus points. Out of abundance of caution, before using the card for the first time, I called American Express and I was told by the agent that I was qualified for the XXXX bonus points. However, after spending the requested amount I did not receive the bonus. I called American Express, and I was told that it would take 6 to 8 weeks to get it. The bonus was never posted to my XXXX account, so onXX/XX/XXXXI called again. This time I was told that I did not qualify for the bonus because I previously had a similar card. On XX/XX/XXXX I contacted American Express for the last time. I tried to use e-mail, to have a written proof of the discussion, but this form of communication is not supported by the American Express web-site. So I had to use online chat. I explained the situation, but the agent wrote back that I was not qualified for the bonus. She provided a pointer to American Express terms and conditions. The documents referred to by the agent are enclosed. Neither one mentions the restriction invoked by the last two agents I communicated with.
In my opinion American Express has the OBLIGATION to give me the XXXX XXXX XXXX bonus points for the following reasons : -The offer sent to me did not mention any restrictions related to previously having a similar card.
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-I met the requirements of the offer ( I spent over {$750.00} in the first three months ).
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-Two American Express agents confirmed that I was qualified for the bonus.
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-The Terms Conditions documents provided to me by an American Express agent did not mention that restriction either.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  continue to violate my rights under 15 USC 1681 & 15 USC 1692. I AM a Federally Protected Consumer and I AM asserting my rights via 15 USC 1601, is 15 USC 1681, 15 USC 1692. I have never contracted with XXXX ( XXXX  XXXX XXXX ) as well as I do not consent to them furnishing ANY accounts under my name. I tried to reconcile this matter peacefully several times in the past to no avail. NOW I demand that they comply with the law that they took an oath to and provide me my remedy that I have requested. The proof that I will be submitting today has also been sent to XXXX via Certified Mail! Those documents include : A Notary Presentment, An Affidavit of Truth, An Invoice, and Exhibits highlighting each violation.
Product: Checking or savings account

My partner found a place from XXXXXX/XX/XXXX place. We started talking to a guy named XXXX XXXX through XXXX, and then we all switched talking through emails and XX/XX/XXXX We scheduled to view the place and he was able to provide us with a gate code and key lock box code. My partner and I were desperate to move in so we decided to go through the credit score check, and background check. Therefore, we provided him with our personal information such as our drivers license, and SSN. We were informed that we got approved. We signed the lease he made, turns out it was a fake lease agreement form. XX/XX/XXXX I paid him the first month of rent of {$1500.00} and the deposit {$1500.00}. Total of {$3000.00} was sent through wire transfer. XX/XX/XXXX was supposed to be our move-in date. My partner and I packed, rented a XX/XX/XXXX and went to the place to meet XXXX XXXX in person to get the key, but he did not show up and blocked our numbers so we couldn't get a hold of him. The neighbor next door popped up and said the unit has been rented already, and the people who manages the apartment is agency called XXXX, not XXXX XXXX. I called the XXXXXX/XX/XXXXagency and they confirmed that the unit has been rented. They also said someone has been targeting their property to scam people. I was advised by them to file a police report and call my bank immediately to get the transaction disputed because that was a fraud/scam. XXXX XXXX XXXX stole XXXXXX/XX/XXXX ( Real Estate ) identity to scam me. He even provided me the license number to make it seems like he is real. 

I reported it to my bank ( Bank Of America ), but unfortunately I received a letter that they were unsuccessful to recover the funds. I called my bank to get an explanation why, and they said because the scammer 's bank institution ( XXXX XXXX XXXX ) did not respond and cooperate. Therefore, my bank denied my claim and told me they're not able to re-submit the claim for reconsideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX are reporting 3 account on my credit reports and amount are {$470.00}, {$740.00} and {$410.00}. I have disputed this 3 accounts with Experian, XXXX and XXXX and also sent XXXX XXXX XXXX debt validation in which XXXX XXXX XXXX has not responded.
Product: Credit card

Unauthorized account, mishandling of dispute, poor customer service. 
My XXXX blue XXXX XXXX account was sold ( " converted '' ) to Barclaycard on XXXX XXXX, 2016. My XXXX XXXX XXXX XXXX account was cancelled and my outstanding balance was transferred to Barclaycard without my consent. My Barclaycard arrived in the mail and I learned that I needed to pay my outstanding XXXX XXXX balance to Barclaycard. However I had no access to XXXX XXXX on line account information or customer service after the conversion and Barclaycard did not yet have the information about transaction on my XXXX XXXX Account. So I paid my XXXX XXXX balance to Barclaycard, but also requested that Barclaycard send me statements regarding my XXXX XXXX transactions. 

When those statements arrived with my prior XXXX XXXX transactions, I realized that there was an unauthorized charge on my XXXX XXXX account on XXXX XXXX, 2016. After trying to work with the merchant, I determined that the merchant was not willing to resolve the issue and issue a refund. But when I contacted XXXX XXXX I was advised that I needed to contact Barclaycard for any customer service or dispute. 

XXXX XXXX, 2016 I called Barclaycard on and initiated a dispute regarding the unauthorized charge. I did not receive any case number or letter documenting the dispute, nor were the funds put back on my card. I heard nothing at all. I contacted Barclaycard again regarding this matter on the following dates : XXXX XXXX, 2016 Status check- case pending, no information XXXX XXXX Status check-case pending, no information XXXX XXXX Status check- was told they would send the dispute to the " back '' for escalation so I could get an answer. 
XXXX XXXX, 2016 Spoke with two agents about the dispute : XXXX : Said dispute had not been handled correctly but it was probably because of the conversion. Requested higher escalation to Client Relations and said I should get a call or a letter sometime within a couple of weeks. However she could not provide me with any documentation of the dispute or case number. 

XXXX Dispute supervisor ( Reference number XXXX ) Explained that XXXX XXXX was responsible for handling the dispute since the charges went through before the conversion. So that is why Barclaycard was not handling the dispute in the usual way. That is why I did n't get any letter or documentation that the dispute had been opened. The dispute had been sent to XXXX XXXX but nothing had been received from them and that XXXX XXXX was not being compliant with the agreement.
Product: Money transfer, virtual currency, or money service

I had cashed out on XXXX  XXXX  for the amount of {$490.00} on XXXX at XXXX, was supposed to be sent to my Bank of America checking account and I never received the funds, Bank of America says they cant help me and to contact XXXX XXXX. XXXX XXXX send me the transaction summery and says that they sent it to my account and Bank of America has my funds.
Product: Checking or savings account

On XX/XX/year>, I was notified that my XXXX XXXX accounts were successfully opened. By XX/XX/year>, I deposited more than {$400000.00} into each of the XXXX accounts. According to the terms of a bonus offer, maintaining {$200000.00} in each account for 90 days would qualify me for a {$1000.00} bonus per account. 

Due to a home purchase in XX/XX/year>, I adjusted the balances in each account but ensured that both remained above {$100000.00}. Based on the offers terms, I should have qualified for at least $ {$500.00} in rewards per account. 

However, XXXX only credited {$200.00} in XXXX account and claimed my balances dropped below {$100000.00}, which is incorrect. My account records clearly show the balances never fell below {$100000.00} during the period. 

I repeatedly contacted XXXX via email, phone, and online chat to resolve this issue but received unsatisfactory responses. Despite providing proof of account balances and escalations to managers, the issue remains unresolved. The time and effort I have spent dealing with this situation have caused significant frustration. 

I am requesting immediate clarification of the bonus terms and full compensation of {$500.00} per account. Additionally, I seek compensation for the poor customer service experience caused by XXXX inaction and misinformation
Product: Debt collection

On XXXX XXXX, XX/XX/2015, at XXXX, I was contacted by my grandmother regarding a phone call she received. My grandmother stated that a woman called her claiming that if I did n't call her back today, a sheriff would be sent to my home. I called the phone number given to me. The call was first answered by a man who gave me hisname only. Upon telling him my name, he identified the company as " XXXX XXXX '' and transferred me to my case worker. The next person I spoke to was a woman who said she needed to retrieve my file. While apparently shuffling papers, she gave me a lot of vague information regarding " the case. '' She did n't specifically identify the company suing me until I asked her what she was talking about. At that time, I stated that I did n't purchase anytjing for {$1200.00} in XX/XX/XXXX because I was out of work. This is when I was told the case involved a bank account. When I continued to ask questions, the case worker made statements such as, " I 've never heard of anyone forgetting about a bank account before. Maybe a loan, but not a bank account. '' and, " If you choose to go to court, you will owe {$3200.00} instead of the {$1200.00} this company is asking for now. '' When I continued to ask questions and state that I was confused, the case worker transferred me to someone she described as the attorney handling my case. This woman was more threatening than the case worker. She told me that the bank has camera footage of me entering the premises to attempt to defraud them and that people go to jail for robbing banks. At some point during our conversation, the woman identified herself as a paralegal. I then told her I thought I was speaking to the attorney handling my case. At this time she said I could speak to the attorney for a fee of {$250.00} per hour, and did I want to pay this fee with a Visa or MasterCard. I stated that I would not be paying anyone {$250.00} per hour to speak to them. At this time, I was looking up information online about debt collection practices. I asked the woman for validation of the debt, to which she responded, " We are beyond documentation at this point. '' She also said that, while I 'm " XXXX '' things, I should " XXXX whether people go to jail for stealing from banks. '' In an attempt to reason with this woman I stated that I would not be handing any money over or making any payment arrangements until I was sure of the debt. She then gave me an account number and told me to go today to the US Bank near me, give them the account number, my name, and social security number, and they would provide the information I 'm seeking. I was told to call her back by XXXX. At this point, she said " Good luck to you. '' and hung up on me. I 'm now terrified to do anything that this woman told me to do. I feel like I was being " shaken down, '' so to speak. This law firm never XXXX said they were attempting to collect a debt, I was only told they were attempting to avoid court and anything I said would be held against me in court, as if I was being arrested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and there are several hard inquiries on my report that I have no knowledge of applying for
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law to resolve this matter as soon as possible. 

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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX Balance : {$4300.00}
Product: Checking or savings account

Essentially, On XX/XX/XXXX, JP Morgan closed the account with no explanation. This is my business account XXXX XXXX XXXX- and I actually lost customers because of this. I don't even think my account was opened properly, nor do I even know why JP Morgan closed my account. I'm beyond frustrated, as I told JP Morgan exactly what this account was being used for, and if they have a problem with the account, they shouldn't have opened it to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations never late : XXXX XXXX XXXX address not mine FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this
Product: Credit card or prepaid card

BANK OF AMERICA # XXXX REMOVE THE XX/XX/2022 late. My payment has NEVER been late. Bank of America is reporting a 30 day late in XX/XX/2022. My payment for XX/XX/2022 was received on XX/XX/2022. See proof. Bank of America has failed to respond to my requests to update my credit reports.
Product: Credit reporting or other personal consumer reports

I have disputed multiple charges with experian and XXXX XXXX within the past two years. One was late mortgage in XXXX from XXXX XXXX. I have disputed multiple times. The other was a charge from XXXX XXXX XXXX for {$53.00} they continually remove the debt then restart it. This has been going on for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX & XXXX Account number XXXX, has violated my rights. 

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
Product: Checking or savings account

I put a hold on my account because i believed someone had logged in and transfered money between accounts and set up a XXXX  account. Unemployment placed a reverse withdrawal from my account and now its negative apprx {$980.00}. I have went to a bank and called to have my accounts closed and to open mew ones and i keep getting referred to the fraud dept and no one has returned my calls.