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

Capital One refuses to credit my account ( now closed ) for fraudulent charges from XXXX dating from XX/XX/XXXX to XX/XX/XXXX. The contract with them promised {$0.00} liability for fraudulent charges. The amount of unauthorized transactions total {$2900.00}. I have called three times and each time they assured me the disputed transactions were credited, they were not. In addition, I wrote four times concerning the matter with documentation. They have not responded in any fashion. Case # XXXX. I 'll attach a list of disputed fraudulent charges.
Product: Payday loan, title loan, or personal loan

IN ACCORDANCE WITH THE FAIR CREDITREPORTING ACT. XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHTS TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 16668 : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit card or prepaid card

On XX/XX/XXXX, I signed up for the XXXX Amex Surpass Credit Card. They agreed to give me XXXX XXXX points if I spent {$3000.00} in the first three months. I hit the {$3000.00} spend amount on XX/XX/XXXX. I called Amex in XXXX, and they said the XXXX points would show in my account 8 weeks after I hit my spend ( on XX/XX/XXXX ). They confirmed that I had hit the {$3000.00} spend. 

I called AMEX on XX/XX/XXXX, because the XXXX points had still not hit my account. They said they were escalating my case and that someone would contact me in 48 hours ( no one ever called ). They also said the points would hit for sure by XX/XX/XXXX, and that they would give me XXXX points for my trouble ( the XXXX points never showed up ). 

On XX/XX/XXXX, the XXXX points and the XXXX bonus points had still not arrived. I called AMEX again today, and they said they were escalating my case to the supervisor. They confirmed that I would get my points, but offered me no timeline. They said that numerous people are having the same issue. 

Any help you could offer would be greatly appreciated. I 'm losing confidence in their ability to follow through. Every time I call I get promised something ( e.g., we 'll contact you in 48 hours, you 'll get your XXXX points for your trouble, you 'll get your XXXX points by XX/XX/XXXX ), and they have never followed through on their promise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get all reports EXXXX XXXX WILL NOT RELEASE MY REPORTS I HAVE CALLED THEM SEVERAL TIMES. 
XXXX  has information on the account unknown and inaccurate incorrect payment amounts on accurate accounts such as XXXX   XXXX  payments. Its preventing me from getting a loan and growing my business I would liked this information removes XXXX XXXX XXXX XXXX AND OTHER CREDIT AMOUNTS CHECKED FOR UTILIZATION AND THE BLOCKS REMOVED FROM MY REPORTS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/333 XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2009 2009
Product: Debt collection

This company runs an apartment complex called XXXX XXXX in XXXX  XXXX, Oklahoma. In XX/XX/2021, we completed our month-to-month lease with the proper 30 notice. We left because the apartment had become uninhabitable. There was no air conditioning when it was over 94 degrees outside. Roaches, vermin, wasps, raw sewage leaks, and an abandoned apartment below us was being used by homeless vagrants regularly. Gunshots were fired every night. We gave them a 30-day notice even though we didn't have to due to the living conditions. In any other state, they would be considered a XXXX. They now put a collection account on my credit without properly informing me of my right to dispute this claim. I have plenty of video and picture evidence to show they are in fact a XXXX  and were making us live in unsafe conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a complaint, it looks like this is the only way the company will answer my issues. They did indeed unlock my acct, but i can not do anything on the acct. I can not pay, i can not add another payment method. For all of XXXX i could not get into my acct until mid XXXX when Grain responded to my complaint, but never to my emails to the company. But even than the app gave me no help saying it was not able to verify me, but because of my complain i was granted access, but with still not being able to do anything on app. I have now been reported delinquent because i couldn't get into my acct to make my payment. I've had this acct a long time to not wan na pay now, if there would have been no issues with my acct i can promise you it would be current as i have never missed a payment before. I have not received a statement since XX/XX/XXXX, i do not own checks and use a different time zone bank and with my hrs it is difficult to obtain checks. I have mailed a money order to cover my past due amt. Below i will attach all the times i tried to get a hold of grain. I am not against making my payment, but once again if the app was more user friendly it would have been paid when it was due. But the company is very behind on email requests and only answers through complains. In the screenshots below u will see my attempts to contact company in XXXX when issue first happened. Than because of answer after I few emails i submitted complaint. Than after being told it was fixed per their response to my first complaint, it still was not and i emailed them again. I was counting on issue being fixed per their email response saying they would reach back out to me and never did. In prior occasions i was able through pay with their pymt link, but that has also not been available. No where on there help page is it stated what other way payments could be made besides app. No of my emails to grain were ever responded to. I was told id be responded to, but never was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I sent a dispute letter to the credit bureaus such as XXXX, XXXX and Transunion, but they are not doing anything to solve my problem. 

I have inaccurate information on my credit report that is affecting my credit score, I want to resolve this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payment from this account XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a notarized dispute letter to Equifax ( attached ). Equifax has failed to respond within the required 30 day as stipulated under section 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( 3 ) ( B ) of the FCRA. Equifax has also failed to inform me of the results from their investigation 5 business days after they updated my credit report on XX/XX/XXXX. My credit report/disputed items were  updated which resulted in a significant decrease to my credit score from Equifax. A list of updated information from Equifax can be found below and also has been attached. This has gravely affected my chances of obtaining a mortgage loan as my Realtor and I wish to had qualified me for. I am requesting that Equifax immediately delete the accounts referenced below from my credit report : XXXX XXXX XXXX XXXX Account number : XXXX no updates. 
XXXX XXXX Account number : XXXX Equifax updated credit report/item payment history to 81 months on XX/XX/XXXX, this resulted in several charge offs reflecting in the payment history and also several months reflecting in several Pays or Paid as Agreed updates over 81 months following charge offs. I sent Equifax a letter disputing the validity of this account ( i.e. contract ). 
XXXX XXXX XXXX Account number : XXXX Equifax updated credit report/item payment history from 42 to 81 months on XX/XX/XXXX, this resulted in an additional 30 month  payment history reflecting as Pays or Paid as Agreed. The loan duration was 42  months and paid/closed in XX/XX/XXXX. The contract with this company ended in XX/XX/XXXX when I made the last payment. How Equifax was able to obtain a positive payment history for dates afterwards when the last payment was made 30 months ago is beyond me. Again I never received any notification in writing of this update or procedure used to verify account information. 
I am not asking for a request for reinvestigation. Equifax failure to respond to my initial dispute in the timeframe allotted by FCRA means they must delete these items from my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).
Product: Consumer Loan

Hello my name is XXXX XXXX I took out a title loan on my car XXXX XXXX I borrowed! XXXX dollars I have been paying XXXX a month for past XXXX months. That 's almost XXXX dollars. My father was diagnosed with XXXX. I have been off work trying to help him and my mother. Then XXXX XXXX XX/XX/XXXX I became ill with XXXX. These people called me in hospital they call while I am at doctor with my dad getting his XXXX. I feel like I have paid them XXXX dollars interest. I borrowed XXXX now they want me to walk back in with XXXX plus what I have already paid.. I ca n't do this. I have NEVER seen anything like this. This is NOT right and SHOULD be against the LAW. They ca n't even explain to me how they are coming up with almost XXXX dollars then they want me to sign another contract which is about XXXX pages long plus add another XXXX plus XXXX a day for every day that it 's not paid in full. That would be almost XXXX dollars I do n't have that kind of money.. Please help me. I do n't know what to do. Lone Star Title loans SHOULD NOT be aloud to take advantage of poor people. Thank you for your time.
Product: Credit card or prepaid card

The following text was received on XX/XX/2022 Chase : Hello dear chase customer, we placed hold on your account, please follow this steps to reactivate your Access again : XXXX XXXX XXXX
Product: Credit card or prepaid card

I have bought a XXXX XXXX turn Mower fromXX/XX/XXXX and I was approved to charge it on the synchrony bank XXXX credit card on XX/XX/2020. The Mower was delivered to my house and upon checking the mower I noticed several scratches and dents in the mower and so I contacted XX/XX/XXXX company but they refused to cooperate or resolve the issue and they had the worst customer service, very rude and unprofessional. So I disputed the charge with the Synchrony Bank XXXX store credit card and I asked for a partial refund of XXXX dollars for the dents and scratches which is about 8 % of the price of the mower which was XXXX dollars. The dispute of the charge of XXXX dollars was for the dents and scratches on the brand new mower and I sent the both companies ( the seller and credit card company ) pictures of the scratches and dents. Then after a few days XXXX credit card managed by synchrony bank ruled in favor of the seller and refused to grant me the disputed charge. I called them and argued with them but they never gave me a reason for their decision to rule against me. This credit card company needs to credit my account for XXXX dollars for the scratches and dents on the mower and they need to grant me the disputed charge because I paid for a brand new mower that should have been in perfect condition with no flaws or scratches or dents but I did NOT. Instead I received a scratched mower and dents in the mower
Product: Mortgage

once again I am complaining about my mortgage company OCWEN they are the worst company on the face of the earth! 
I have said it before and I will keep saying " they are spread out too thin to be effective '' they have offices in XXXX and the when they send out information it always comes from their XXXX XXXX XXXX Florida office. their left hand does not know what their right hand is doing. I call their toll free number from my residence in the United States I should be connected to some one in the United States NOT XXXX!!!!!!!!!!!!!!! 
XXXX does not understand and they do not have up to date records payments go to a US address in XXXX XXXX Illinois as another office, they are spread too thin. They do not credit payments when they are received so they can charge a late fee.
Product: Credit card or prepaid card

I am a current Discover card holder and I became aware of an advertisement on their website for a rewards perk of 5 % cashback bonus. In the fine print it shows that it is for Discover it & discover more cardmembers. I have a Discover IT card currently and as I attempted to activate this advertised rewards bonus I was given and error message on the next webpage that stated " Oops. Something went wrong. We apologize for any inconvenience, but the rewards calendar is not working at this time. Please check again later. '' Which ok, technical issues do happen, so I gave it some time and checked back periodically every couple hours and encountered the same message each time. I thought maybe it was just an online issue with their website so I called into the customer service number from their website. I was told by customer service that i have something called a Discover IT XXXX account and was thereby not eligible for the rewards bonus that was being marketed. Discover IT being in the fine print of the XXXX XXXX XXXX 's and also in the name of my account I was very confused and taken aback by this comment. There is no statements regarding ineligibility of my or any other specific type of " IT '' account and in addition on the Discover brand website there is no type of credit card listed as Discover IT only thus indicating that any account featured as a Discover IT account would be eligible. Furthermore, had I not called in, the sham technical difficulties message that their website was spewing out at me was also false and misleading. This is a highly deceptive marketing ploy and I am honestly surprised about how incredibly inept the Discover marketing team has to be in order to let this get publicly marketed.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
MI XXXX XXXX XXXX Balance : {$2400.00} MI XXXX XXXX XXXX Balance : {$2400.00} MI XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to company, Bayview Loan Servicing , LLC. about this incorrect information on my credit report on or about XX/XX/2018 also sent an email on the dated XX/XX/2018.This information was sent to ATTN : Customer Service and XXXX XXXX my account representative for # XXXX. 
Bayview Loan Servicing stating that the company has decided to make XXXX XXXX XXXX XXXX, ( who is primary on this loan ) to make myself XXXX XXXX XXXX ( second position ) co-equal on this loan as of XX/XX/2018. Bayview has put a {$19000.00} arrears on my credit report although I have been making consistent payments on this property for over 10 years, but there is not foreclosure on property. 
I hav n't received a payment coupon book in 10 years for this loan. The interest is 10 % on this loan. My loan was at 2 %, what happened? 
I believe this was done out of retaliation due to me refusing to refinance the loan with this company after, XXXX XXXX asked me four times in the same phone call. 
Thank you, XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a small swimming pool related part from XXXX XXXX XXXX XXXX. The part was never delivered. So eventually I phoned and they credited us the price of {$6.00}. But the charge and credit kept recurring in the pending section of the account. Our credit card bank ( Chase Sapphire ) customer service refused to address the problem saying they can not do anything including blocking this merchant. I did not believe it. A supervisor supported the agent and then hung up on me. So we phoned back, got a different customer service representative who was much more helpful and sorted this out by connecting us to security to block this particular merchant. Chase needs much better quality control for its customer service. Customer service should have sent us to security the first time rather than state they can not block it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have someone using my address to open bank accounts- it is the third of fourth account they have opened using my address. 

The name is XXXX XXXX.
Product: Credit card

Purchased XXXX XXXX XX/XX/XXXX online at XXXXXXXX  in response to an 12 interest free offer. I had to agree to autopay. I received computer XX/XX/XXXX. On XX/XX/XXXX Apple Card ( Goldman Sachs ) took entire purchase amount from my checking. I reached out to Apple Card and got transferred to XXXX. XXXX told me that it was too late for me to get a refund and transferred me to Apple Card. Apple card offered a new loan but said they couldn't return my money. I called them again last Wednesday and they posted a new installment loan to my card as restitution. How is that supposed to be restitution? The offer of 12 months interest free was an enticement that magically disappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file for a loan. but when I look at why ot denied it says all my information is corrsct amd veriified except my name.. But it is correct so I got alot of inquiries saying my name was wrpng so I got denied
Product: Credit reporting or other personal consumer reports

Facts : On XX/XX/XXXX, I obtained a free credit report from Equifax via XXXX. I noticed that my payment history for XXXX XXXX XXXX XXXX XXXX Account was reported incorrectly. It was reported that between XX/XX/XXXX through XX/XX/XXXX I was XXXX days late. ( See document 1 ) On XX/XX/XXXX, I disputed this error with Equifax via their web dispute portal and provided a screenshot of my payment history for this loan account. The screenshot showed that I was making payments during these months and not XXXX days late. During that same day on XX/XX/XXXX, I called XXXX, who is the loan services provider for this XXXX XXXX XXXX XXXX XXXX Account to confirm my payment history and they were able to confirm that the payments were not late during that period. XXXX also created a case to correct my payment history with Equifax and promised to call me back with the resolution. ( See document 2 ) On XX/XX/XXXX, Equifax completed their investigation of my dispute and provided me with a new credit report with updated information on the disputed account. However, I noticed that the information Equifax updated contains additional erroneous information. This new report with the updated information showed that between XX/XX/XXXX through XX/XX/XXXX I was XXXX days late. I am utterly confused as to how Equifax verify and obtain this information because this entire account was paid off as of XX/XX/XXXX. ( See document 3 ) On XX/XX/XXXX, I submitted a second dispute with Equifax via their web dispute portal. This time I included 2 documents showing that the loan account was paid off including the final statement showing the final payment amount which can be confirmed via document 1. ( See document 4 and 5 ) On XX/XX/XXXX, Equifax, again, closed my dispute and provided me with an updated credit report. This new credit report still contains erroneous information. 
On XX/XX/XXXX, XXXX called back and notified me that they have updated my payment history for XXXX of XXXX. This was not the resolution that I needed.
Product: Vehicle loan or lease

I am writing to file a formal complaint against Credit Flagship Acceptance regarding the mishandling of my auto loan, breach of our written agreement, and provision of false information. I am seeking your assistance and intervention in addressing the following issues : On XXXX I contacted Credit Flagship Acceptance to inform them that my XXXX  XXXX XXXX XXXX experienced a transmission failure and was no longer operational. During this conversation, a representative named XXXX assured me that a voluntary repossession was being processed to alleviate the burden of having XXXX car payments. I relied on this information and made decisions accordingly. 

However, when I was transferred to another Credit Flagship Acceptance representative to confirm the status of the voluntary repossession, the other representative not only denied the-request but also exhibited rude and unprofessional behavior. This inconsistent and disrespectful treatment is deeply concerning. 

Furthermore, in addition to the false information provided regarding the voluntary repossession, I was promised a full refund for the XXXX insurance I had purchased in XXXX XXXX XXXX.Regrettably, when the refund was processed, I received only a partial amount, with the remainder applied to my car loan without my permission.This violates the terms of our agreement and has created significant financial hardship.
Product: Credit card

I've had an Amex Platinum card since XX/XX/year>. Last year, I noticed that I wasn't traveling as much as I had anticipated, so I asked about switching my card to an Amex Gold card. I made the change from Platinum to Gold, but at no point was it communicated to me that I would have to keep the Gold card for a year to switch it back. I haven't been satisfied with the rewards offered by the Amex Gold card, so I requested to switch back to the Platinum card. Today, I was told that I need to maintain the Gold card for a year before I can switch it back to Platinum. This is very restrictive, especially considering that I was never informed about the requirement to wait a full year to switch my card back.