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

In XX/XX/XXXX I signed up for the American Express Starwood primarily for the XXXX  Starpoints offer if I spent {$3000.00} within 3 months. I had this card previously but reviewed the offer details and it did not indicate anything that would make me ineligible. We ( my wife and I ) began using the card and I checked the statement after we had spent the required amount in the required time but the bonus starpoints were not listed on the statement.

I called American Express on XX/XX/XXXX and after explaining the situation and a few people researched I was told I was not eligible due to the pervious card I had ( which had received a bonus at some point around XX/XX/XXXXand had been closed in XX/XX/XXXX ) with the company. I stated that no such statements were in the offer ( though I did look at their current offer and it did have that verbiage as of XX/XX/XXXX ) and I had all my paperwork which i review again and no exclusions were listed. Below is my interactions with American Express since that time : XX/XX/XXXX - Filed a complaint ( conf # XXXX  ) which would review the offer which could take 6-8 weeks but was told to call back in 4 weeks.

XX/XX/XXXX - Called for an update was told to fax/upload my offer paperwork and agreement XX/XX/XXXX- Uploaded 18 pages agreement - offer details, agreements, supplements etc.

XX/XX/XXXX- Called to confirm upload and was given new case id ( XXXX ) and was told to call back in a week for information XX/XX/XXXX- Called back and was told it will take 4-6 weeks to review XX/XX/XXXX - Called back was told still open and 'investigations ' take 6-8 weeks to review XX/XX/XXXX - Called back was told being worked on no update but would be emailed this month XX/XX/XXXX - Called back case still open but no definite timeframe to resolve but usually 2 billing cycles At this point i have no faith that anything is being done due to conflicting information on process, timeframes and resolution.
Product: Debt collection

I have received many calls from an unknown number telling me to call XXXX which goes to the office of XXXX  XXXX. I called and left a voicemail twice now to get additional information and my call is never returned. The messages the keep leaving specifically say a notice of intent IS scheduled to be delivered to your employer today between the hours of - and they repeatedly state I am scheduled to be served documents at my home this evening And my failure to comply could result in a missed court appearance. I finally was able to talk to someone st this number today, XXXX XXXX, who stated ( on a recorded line which can be retrieved to substantiate this complaint ) that I had Missed a hearing and other false misrepresentations which violate the FDCPA. When questioned about this he stated XXXX county was involved in this and then after significant probing on how I missed a hearing without being served an actual complaint or summons states nothing has actually been filed and then refuses to explain to me How I could help lift how I could have missed a hearing that involves XXXX county if nothing was actually filed ... .lastly, he goes on to state he will email me the documents in question I am requesting to review, confirms my email and then refuses to provide the documents ... These are outrageous and illegal communication and debt collection tactics and along with providing false and misleading information or threatening to involve an employer or imply legal action was taken that wasnt is in violation of FDCPA regulations.
Product: Vehicle loan or lease

I filed bankruptcy in XXXX and all accounts were closed due to this. Santandar had my auto loan and insurance paid off car after an accident. I thought I still had to pay on the balance not paid but then checked my credit report and this account was closed under the bankruptcy. This means I do not owe any more to them and they call daily to collect. This has to stop
Product: Checking or savings account

I received a letter from Navy Federal Credit Union stating that I was eligible to receive a redress payment in the amount of {$870.00} for my consumer loan ending in XXXX which has been refinanced with Navy Federal and a new loan number given ending in XXXX. 

The letter stated that on XX/XX/2017 a credit would be placed in my account ending in XXXX. I called Navy Fed to confirm that this was a valid letter. They said it was. I was then told that the account that ended in XXXX was a charged off account, which I was unaware of because I had been receiving statements for one year that did not list the account was charged off or closed. 
The representative stated that Navy Federal I would not be able to receive the funds from this account. I was told If I was eligible that I could open a new savings account and the funds be placed there. I opened a new savings account ending in XXXX that day over the phone. 

On XX/XX/2017, the funds were still placed in the charged off account ending in XXXX with a new balance of {$890.00}. I requested a transfers from this account to the new savings account with Navy Federal ending in XXXX and was denied and told I would have to fill out a questionnaire form to preform a transfer because the funds were from a Redress Notification.This form could not be emailed nor faxed, It could only be sent to my mailing address on file ( today 's date is XX/XX/2017. I live in South Carolina which is under mandatory evacuation for XXXX XXXX ). 

I am concerned that they will pull the funds and apply it to my refinanced consumer loan with Navy Federal ending in XXXX, which was the reason for the Redress Notification in the first place.
Product: Debt collection

Returning home after being displaced because hurricane ida in XX/XX/2021, my family and I attended an event that was offering free food, free legal assistance, assistance with fema, and other different free resources. Att was also on-site and to my knowledge offering free phones with two months of free service. The phone was eventually disconnected only 30 days later, and apparently not free because here I am currently in the process of disputing these charges from my credit report. I feel that this company preyed on myself and several other people that were in a very vulnerable state at that moment. I wasnt financially able to pay my rent at the moment, so I definitely wouldnt have agreed to take on another bill.
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 # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

In XXXX XXXX, I filed a complaint on FBC [ Case number : XXXX ] due to the miscalculations for a loan modification. FBC did reply the complaint and admit fault and since I 've re-sent documentations for a loan modification to FBC. On a weekly basis, I call and check on my loan modification but it seems no update has occurred. For example, I called on XXXX XXXX, XXXX and spoke with XXXX XXXX rep # XXXX and she informed me they received all my documents and the opener has 5 business days to review the documents before sent to the underwriter or the consumer is contacted if further documents are needed. XXXX XXXX informed me the day I called, XXXX XXXX, XXXX, was the final business day and there will be an update by tomorrow. So, I called FBC on XXXX XXXX, XXXX and spoke with the same rep XXXX XXXX who informed me she will check with the opener again and will escalate my case. Such " run around '' is frustrating, unacceptable, and unprofessional. My intent is to keep my home yet I feel FBC is dragging the process with the intent to take my home away from me. I faithfully follow-up with FBC and give any requested documents in a timely fashion yet FBC is not working with me. Please look into this matter as my intent to reinstate our mortgage and keep our home.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX were all mailed letters disputing inaccurate information on my report. They are all reporting different data for the same accounts on my report. ( see attached letters ). My letters were all sent certified and they have all surpassed the thirty day period from the day it was delivered and sent me no update as to why they are reporting incorrect information. This is hurting my ability to obtain credit and they are in violation of my legal rights failing to investigate and update or delete these accounts.

I have asked them to Please remove these accounts from my credit report do to the fact that there are different dates last active reported by each bureau. How can there be different dates when this is what stipulates when the account naturally falls off of my credit?

I also have an account XXXX which has surpassed the 7 year mark and is still showing as a negative item on my report. 

I also asked them to delete an account due to the fact that there are different late payment status displayed for all three credit bureau 's. How can each be displaying different information if the information on my report is supposed to be reported correctly? XXXX Was 30 Days Late 9 Time ( S ).

Was 60 Days Late 1 Time ( S ). Was 90 Days Late 3 Time ( S ), Equifax Was 30 Days Late 7 Time ( S ). Was 60 Days Late 1 Time ( S ). Was 90 Days Late 3 Time ( S ). 

XXXX Was 30 Days Late 4 Time ( S ). Was 60 Days Late 2 Time ( S ). Was 90 Days Late 3 Time ( S ).
Product: Credit reporting or other personal consumer reports

THE CANCELLED XXXX XXXX WAS SWEPT INTO AND SOLD OFF TO A THIRD PARTY COLLECTOR. THIS DISPUTED OBLIGATION WAS PAID OFF IN XXXX XXXX XXXX 

I HAVE TRIED SEVERAL TIMES SINCE XXXX AND TWICE IN THE MONTH OF XXXX TO HAVE THIS DISPUTED DEBT UPDATED TO PAID IN FULL. 

BANK STATEMENT SHOWS THE PAYMENT AND THE THIRD PARTY CREDITOR RECEIPT, NO RESPONSE FROM XXXX OR TRANSUNION. THE DISPUTED LOAN HAS A XXXX XXXX
Product: Credit reporting or other personal consumer reports

Chexsystems has blocked my ability to submit a dispute through their portal. Chexsystems.com and I am a victim of Identity Theft. Chexsystems has allowed XXXXXXXX Bank to report an account as " XXXX XXXX  '' That was not opened by me, nor utilized by me. I did not apply for any checking or saving 's account 's with XXXXXXXX bank  and I did not perform any account abuse. These account 's were opened without my permission from an identity thief. MY Wallet and Identification were stolen. XXXX XXXX  has already been notified and XXXXXXXX Bank submitted a letter to me stating they closed the account due to IDENTITY FRAUD. I do not owe XXXXXXXX Bank XXXX. I will not be paying XXXXXXXX Bank XXXX}. I did not open this account with XXXXXXXX Bank, I did not apply for the account. XXXX Bank already confirmed this was the result of identity theft, Yet XXXX Bank is falsely reporting this information to ChexSystems. XXXXXXXX Bank is Responsible for opening the account, I did not receive ANY Debit Cards, I have not Received any Account opening documents nor account agreements. I do not accept responsibility for any account 's that I Did not authorize. XXXX Bank did not have my permission to check my ChexSystems Report either. I see any Inquiry from XX/XX/2023. This also is a XXXX XXXX as a result of identity theft. I want this account blocked from my Chexsystems report. I have provided a Law Enforcement Identity Theft Affidavit. This affidavit was sent to the FBI, and Is with my XXXX  police department. The XXXX Account is listed as identity theft, and that the account was not applied for nor utilized by me or anyone I know. XXXX Bank does not have my permission to access my information, and they are falsely reporting an account I do not own, nor do I have responsibility for. I did not apply for any Accounts with XXXX Bank, and I want this information Blocked per FCRA Law 's from my chexsystems consumer file, I also want this disputed. I have not signed any Documents for XXXX Bank, and they do not have my permission, nor am I liable for a fraudulent account debt. No Account Abuse has been confirmed, as I did not open any account 's with their instituion. This is identity Fraud. XXXX Bank did not clear my security alert, and has not contacted me per my request. XXXX Bank, Is not handling Identity Fraud in an appropriate manner. I want this information blocked immediately.
Product: Credit card or prepaid card

In XX/XX/2020, I noticed a charge for {$190.00} from XXXX on my Chase Sapphire Reserve credit card, which is a transaction I did not conduct. I called Chase to dispute the charge and they began their investigation. 

On XX/XX/2020, I received the attached letter from Chase indicating that the summary of their investigation was that this was a legitimate charge by me. As part of the letter, they provided an XXXX receipt as proof of purchase. This receipt has numerous and obvious errors : 1 ) The receipt indicates a Visa card was charged but it is NOT my credit card number. The XXXX receipt clearly shows the last 4-digits of the card charged and it does not match the last 4-digits of my credit card ( listed on page XXXX of the attached letter ). 

2 ) The XXXX receipt is dated XX/XX/2020. The transaction post date on my card is XX/XX/2020. Why would it take over 4 months for a charge to post to my account? 

3 ) The XXXX receipt indicates the ride was taken from XXXX XXXX, California to XXXX XXXX, California. I live in XXXX. In XXXX we were under quarantine due to COVID-19 with strict travel restrictions. I was nowhere near the state of California during this period. 

4 ) I sent a screenshot of my XXXX ride history to Chase showing no rides in the months of XXXX through XXXX I called Chase customer service on XX/XX/2020 and explained all of this. They indicated they could not assist me via phone and to send a secure message via the Chase website to re-dispute the charge. I did so that same day. 

On XX/XX/2020 I received a message from Chase they were researching. 

On XX/XX/2020 I sent a follow-up email to Chase asking for an update on status. 

On XX/XX/2020 I received another email stating they were researching. 

To date, I have received no further responses from Chase, no request for additional information, and no removal of the erroneous charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion the week of XX/XX/XXXX to inquire why they deleted two of my positive reporting tradelines, XXXX XXXX and XXXX XXXX both have a {$5000.00} credit limit available each. The representative I talked to told me that they were on my credit report. However, after seeing my report and personally reaching out to both creditors, XXXX XXXX and XXXX XXXX, they confirmed and are working with TransUnion to place the tradelines back on to the credit report and surprised to find out that they deleted both tradelines. 

This is effecting my credit worthiness and my FICO score. 

In addition to that, I noticed that TransUnion added missed payments to my XXXX account today, XX/XX/XXXX, that is paid and closed. Please remove what you added today since the account is closed and the missed payments are effecting my FICO score. 

TransUnion continues to add and delete remarks to the XXXX XXXX account which should be removed since the information is inaccurate. This account was fraudulently opened and I have sent several letters and correspondence to the credit bureau. 

Last but not least, I reported to TransUnion XX/XX/XXXX that I surrendered the XXXX with XXXX XXXX XXXX and that the reporting balance was inaccurate. Instead of TransUnion changing the status of the account they reported it as charge off and added a missed payment. I contacted the creditor with a notarized certified letter and still no cooperation from the company. The inaccurate, unverified information is effecting my credit worthiness and requesting to be removed and/or deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report because I want to get a new car and wanted to know my chances of getting approved. while checking I notice some items that were still on my credit that I did not approve of. I have reaced out to the FTC and to my local police department. I am doing this all on my own. Again these items are not mine and I need them removed from my credit report.XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed unauthorized credit inquiries made by unrecognized creditors on my XXXX credit report. XXXX returned a result of that dispute, without any research whatsoever. The results were that the inquiries remained. Please see attached report. 

I was unable to exercise my right to make a dispute of the inquiries at all, with XXXX and Experian, by phone nor online.
Product: Debt collection

TRANSWORLD SYSTEM INC/ - Amount owed per credit report {$320.00} - I had received an notification that my credit report had changed and saw that this company had reported a negative account I wrote the address listed on the report requesting to have the account confirmed with the account audit trail being provided along with my written certified signature so I can confirm my signature this information has not been provided. I also requested to have the company license number that gives them the right to collect in my state. I have not received anything I have requested nor have I received the document according to the law that states that a debt collector must provide written notification to the consumer with the name address and contact information for the original creditor this has not been displayed and need to have actions taken upon on a state and federal level I am asking that this account be removed and everything i requested be provided and that all forms of communication stop effective immediately. CEASE AND DESIST ALL COMMUNICATION INCLUDING USING THE MEDIUM OF CREDIT REPORT TO INDIRECTLY COMMUNICATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i Contacted XXXX, Equifax, And XXXX  about inaccurate information reporting to my credit report. According to the fair Credit Reporting Act section 609 this companies are required to verify information being reported on my credit report. On XX/XX/2020 i followed up with the bureaus because i Didn't get a response. Today is now XX/XX/2020 and i still have not received a response. I have been waiting for well Over 60 days this a a violation.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

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: Checking or savings account

MY ACCOUNT BALANCE IN XXXX IS BLOCKED AND I HAVE MY BUSINESS ACCOUNT CLOSED IN XXXX, BUT I HAVE AVAILABLE BALANCE FROM SALES THAT I HAVE NOT YET RECEIVED, AND I CAN NOT WITHDRAW THE MONEY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FLORIDA XXXX ] Payout # XXXX - XX/XX/year> Charges {$9500.00} Total {$9500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to tell Mr Cooper that their response to me included personal bankruptcy information from another individual. 

They told me to buzz off after talking to four individuals and 25 minutes on the phone. 

I tried to let them know they can not spread other persons personal credit info willy nilly.
Product: Credit card or prepaid card

This dispute involves a {$350.00} refund that I never received from XXXX XXXX XXXX ( XXXX ) as the cruise was canceled on XX/XX/XXXX due to Covid-19. Originally I had paid a total of {$1400.00} before the cruise was canceled. The first payment of {$50.00} started on XX/XX/XXXX under a previous Citizens Bank issued debit card ending in # XXXX. A total of {$350.00} was paid between XX/XX/XXXX through XX/XX/XXXX. A new Citizens bank debit card was issued ending # XXXX and payments continued from XX/XX/XXXX through XX/XX/XXXX for a total of {$1000.00}. {$1000.00} was refunded by XXXX to my Citizens Bank checking account on XX/XX/XXXX, however I am still owed {$350.00} from the old debit card # XXXX. 

I was advised by XXXX that I had to contact Citizens to resolve the {$350.00} credit because XXXX attempted to credit it back to # XXXX but was prevented from doing so, therefore it was Citizens Bank 's responsibility to credit back the {$350.00}. Citizens Bank refuted their claims as the refund should have gone through because # XXXX is under the same checking account I have been using all along. 

I was given the runaround so many times with Citizens Bank over this. They gave me temporary credit of {$350.00} on 3 separate occasions then reversed the credit each time which ultimately messed up my checking account. I tried to call the XXXX XXXX  XXXX XXXX, XXXX several times to no avail. No one answered that number at all, only received a recording that no one was unavailable to assist customers due to to Covid-19. I then called Customers Services several times and was informed that Claims Department will followup which has not happened. I left specific instructions to leave a message on my Sign mail with a number to call back if I did not answer at that moment ( Keep in mind I am XXXX and use XXXX XXXX XXXX XXXX XXXX  ). To this date, I have not received a call back and this is infatuating! 

As you will see letter dated XX/XX/XXXX, Citizens Bank claims that the merchant ( XXXX ) has issued a credit in the amount of {$350.00} which is totally false. First of all, I was never issued that credit by XXXX and where is the evidence that XXXX has credited {$350.00} Second of all, there is no mention of when it was issued. 

I've made several calls to XXXX XXXX at XXXX between XXXX XX/XX/XXXX regarding this claim # XXXX and yet it is not resolved. 

Please help! {$350.00} may mean nothing to Citizens Bank but it is a lot for a consumer like me who has been a loyal customer of Citizens Bank for many years. I certainly do not deserve this treatment by Citizens and I have the right to claim the {$350.00} plus interest if applicable. 

Thank you for your attention to this matter. Best way to communicate with me is to call me at XXXX with any questions or email XXXX. If I do not answer the call, please leave message with a call back number as the interpreter will sign your message XXXX XXXX XXXX