23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I signed up for an AmEx card under the Resy offer ( code POID K21X:8948 on the terms and conditions I printed at time of signup ) for XXXX points after the first {$6000.00} in purchases and 10x points on restaurants.

I spent {$6000.00} in the first month and expected the benefit to post. When I checked, only XXXX points had posted and I got the normal allocation for restaurants. 

At that point, I reached out to customer support and explained the mixup. The agent said they would get it straightened out.

Fast forward another month, and it still wasn't right so I reached out to follow up. That agent told me it had been reviewed and denied because I was given the " prevailing offer. '' I explained while that may be the current shelf rate that it wasn't what I had signed up for, and provided the documentation I had received. I asked how I would have known they applied the wrong offer before the statement and they said I would have seen it at signup. I explained I did have those confirmation screens and that they all showed the XXXX rate. The agent then put in another review ticket. This has since been denied again. 

I don't understand how a company as large as American Express can pull a bait and switch like this. The burden of proof shouldn't be on me as the consumer, and if it is, the documentation I've provided should be sufficient. 

I feel like this is false advertising and I would have paid them {$690.00} had I known they wouldn't honor their terms. I would have gone with the XXXX XXXX or XXXX XXXX instead, who had competitive offers at lower annual rates. This bait and switch unduly influenced me to pay more to AmEx and I think that's morally wrong.
Product: Credit card or prepaid card

The basis of this complaint is that Citi credit card did not proceed with a dispute against fraudulent transaction I had through XXXX but ultimately paid for with the Citi card. I provided information to Citi after searching this scam and is now a very prevalent scam but Citi still refused to even process the dispute. I will detail the situation in greater detail below but the general scam is to send a 2 cent plastic piece to say sent the item versus sending the item paid for. Due to this and technically the basis for dispute is the incorrect item was sent but this is the basis they rejected. 

I ordered XXXX XXXX XXXX  on from XXXX  and my credit card was charged {$52.00} by XXXX. I did not receive any order confirmation except of XXXX receipt and then shipping notification with tracking info. On XX/XX/XXXX instead of the XXXX XXXX XXXX XXXX XXXX I received a tiny package with a piece of plastic/button inside ( the same tracking number which was in XXXX system, photo is attached ). After filing a dispute via XXXX the seller stated that I must return this piece of plastic to XXXX although their website provided a Florida address but it was necessary to send it to XXXX to get a refund. The seller 's web site shows the same return shipping address in Florida and also has US phone number which is actually out of service. I searched on the Internet and found out that other people who bought from this web site were scammed the same way - ordered expensive items and received pieces of plastic instead. The name on the web site does not match the name in XXXX XXXX ( Return Policy and order information with the seller 's info are attached ). 

This is information on the website : Send all returns to : XXXX XXXX XXXX, XXXX, FL XXXX, United States. 
Recipient : XXXX XXXX XXXX Email : XXXX Phone : XXXX This is seller 's info in XXXX XXXX : Seller info XXXX Return shipping address XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am reaching out with regards to the following adverse actions conducted by XXXX XXXX XXXX XXXX 

- Inaccurate Payment reporting for XX/XX/XXXX and XX/XX/XXXX - Inaccurate Balance Details ( XXXX XXXX ), resulting from Fraudulent Charges I have attempted to resolve these issues multiple times by calling since XX/XX/XXXX. I have been met with abhorrent treatment by the Fraud division, lack of knowledge by " Collection '', and repeatedly cold transferred further exposing my personal information as I was being asked to repeat my full social security number numerous times. When I requested management, I was faced with Call Avoidance by numerous representatives who were attempting to " gaslight '' the tone of the call in order to get me to disconnect.
Product: Consumer Loan

In XX/XX/2016 a bank that was handling my wife and I car loan was bought out by another bank. The bank that was sold still pulled our last payment however the new bank is asking us to repay that month. I 've provided the new bank with documentation but they requested proving that I paid it and they harass me every month for that outstanding debt that is not there. They now say that they paid me back and someone cashed the check that they sent me. I have requested that documentation be given to me proving that it was cashed and by whom. And they can not provide that information for me I 'm being harassed every month my account is being charged overfees and I refuse to pay something I already paid. Can you please help me this Bank is trying to put us in bankruptcy or under Title 11 because they think we 're not in compliance when we really are. However they can not provide us with any information or any proof that they made a payment to us and I provided them with proof and I made one to them.
Product: Debt collection

On XX/XX/2022 a collection account of {$1200.00} by I.C. Systems was placed on my XXXX credit report. I contacted I.C.sytems on XX/XX/2022 and XX/XX/2022 via telephone was told they would investigate this as fraud, at this time they would stop collections. I reached out to XXXX  voicing this was fraud/identity theft. And sent proof showing it was fraud. Also, advised this account was placed on my credit report 2 years ago and was deleted and reported as fraud with proof of the info being fraud. I also reached out to the collector and credit bureaus voicing my concern. Now it has been reported again on my credit report. This debt does not belong to me. I DO NOT HAVE ANY KNOWLEDGE OF IT.
Product: Checking or savings account

I had alerted Citibank that I was traveling to XXXX, XXXX from XXXX XXXX via the mobile app and in branch from the dates of XX/XX/XXXX to XX/XX/XXXX. While I was there I had used my card to pay for the hotel, paid at the store and paid a a restaurant as well. Citibank froze my card without any further explanation and said I'd need to wait for a reference letter since they couldn't verify my phone number. Problem is that they are using the phone number and address off public records, I have addressed this issue numerous times and have went in branch to verify my identity at least 4 times over the course of this past month. They are holding almost {$2000.00} of my money that I deposited fair and square XXXX.
Product: Student loan

To Whom It May Concern, Thank you for taking the time to review this letter. I am requesting the removal of the disputed 90-day late mark on my credit report from Fed Loans Servicing Agency. I have previously disputed the aforementioned information on the basis of negligence during my account transfer from XXXX XXXX XXXX XXXX to Fed Loans Servicing. As a result of the unfortunate circumstance, the matter was investigated and my account was placed in forbearance during the period the negative mark was reported. 

Subsequent to the investigation and the acknowledgment of negligence, Fed Loans approved an administrative forbearance on my account for the months of XXXX through XXXX of 2019 and issued a letter on XX/XX/2019 notifying me the credit information would be corrected and submitted to the consumer reporting agencies. The letter also stated it would take approximately 60 days for updates to reflect on my credit report. However, months has passed since XXXX of 2019 and the disputed 90 day late status is still visible on my credit report for XXXX of 2019. I am respectfully requesting the complete removal of this negative mark on my credit report as I do not want this error to jeopardize my credit worthiness to potential creditors. 

Please consider this letter as a formal request to remove the Fed Loans 90 date late negative mark as soon as possible as I do not understand why a 90 day late status remains when my account was in forbearance. Enclosed is a copy of the aforementioned approved forbearance agreement and the credit correction submission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting XXXX XXXX ( s ) numbers XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( Original Creditor : 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 states a consumer reporting agencies can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to Experian regarding the investigation of my XXXX XXXX account. Recently, I conducted investigations with XXXX simultaneously with Experian. Both XXXX completed their investigations and subsequently deleted the account. I understand that all three credit bureaus follow the same procedures, including the Metro2 and XXXX XXXX to delete accounts. If this is the case, why is Experian still reporting these accounts while XXXX isn't? Per the law, this is a violation. Delete these accounts. Attached is documentation proving that the XXXX XXXX accounts are no longer on XXXX 's file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681 XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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 an account without my written instructions 15 U.S.C 1 681c. ( 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: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : 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 XXXXXX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Student loan

Earlier this year the government announced on XXXX that The deadline to recertify your IDR plan has been extended to XXXX XXXX, XXXX. The earliest you will have to update your income and family size for your IDR plan to meet that deadline is XX/XX/XXXX. Before we announced this end date, some people received messages from their loan servicers starting in XX/XX/XXXX about recertifying for IDR in XX/XX/XXXX. If you had a XX/XX/XXXX recertification date, youll stay in IDR for now, even if you missed the deadline to recertify. If your payment went up, we will revert your payment to its previous monthly amount until your new recertification deadline. 

I received a request to recertify in XX/XX/XXXX, which I did. As a result, my payment went up from {$0.00} to {$240.00}. I have been making these payments since XX/XX/XXXX. I have contacted MOHELA several times to inquire about when they will be returning my payment amount to {$0.00} and when I will receive reimbursement for the payments I have made when my payments should have {$0.00}. Every time I contact them they say they need more time to research my issue. 

Its going to be almost 5 months and they still have not readjusted my account payments back to {$0.00}. I am tired of trying to deal with MOHELA. I waited on hold for 5 hours one time. It was awful. I need help getting my account fixed.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) 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. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX 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 Metro 2 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed .. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter concerning Section 1681s-3 of the Fair Credit Reporting Act ( FCRA ) and to request your compliance with the obligations outlined within this section.

The 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! In light of the above, I kindly request that you review the reporting of late payments associated with my credit file and take the necessary steps to rectify any inaccuracies or incompleteness in accordance with 15 U.S. Code 1681a ( 2 ) ( A ) of the FCRA.
Product: Mortgage

On XX/XX/year>, I noticed that it is not possible to make mortgage payments on Freedom Mortgage 's website. When I click " pay now '' on the front page, it will bring me to the payment screen, but the monthly payment amount changes to {$0.00}, and I am unable to process my monthly payment through the site. I initially thought this is a temporary error, so I returned on XX/XX/year>, but the issue still persisted so I messaged Freedom Mortgage to inquire what's going on. As of today, I have not received a response from Freedom Mortgage, nor been able to make a monthly payment despite returning to try each day. I have attached a PDF document to this complain that has screenshots of the website highlighting the issue, and I can also confirm that it does not work via Freedom Mortgage app on XXXX XXXX either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that i disputed and transunion refuses to remove, even tho XXXX  and XXXX  already removed the items, i provided them with a dispute by mail and i have the confirmation of postage, here is list of items i want deleted from credit report, XXXX XXXX XXXX {$3000.00} BALANCE XXXX  XXXX {$1500.00}
Product: Checking or savings account

I tried to make a purchase on XXXX. However the products was not given to me from XXXX. I contacted XXXX XXXXXXXX to try and address this. They did an investigation and refused to issue a refund. I feel like this was unresolved and I am seeking redress from XXXX XXXX for not resolving my issue
Product: Student loan

Made a payment on XX/XX/22. 
Was advised to make a payment of {$50.00} Received confirmation email of payment Later received an email that I owed {$1.00} AFTER a payment has already been made Called today on XX/XX/22 at XXXX AM EST To make the payment and get clarification on WHY this issue happened. 
Informed both reps that this is now the FIFTH time Navient has played with a payment, and I asked to have the loan cancelled, as it is nearly 100 % paid off. 

A copy of the email I sent to Navient, after they continued to lie about payments : " XXXX XXXX XXXX, Please disregard the previous email. I have taken a look at the document that was sent, and that response is not appropriate to the actions in which your company, Navient, has taken. Navient has proven that they can not be trusted to tell the truth when it comes to processing payments, or honouring contracts, and as such I do NOT accept the response that was given. There is no way, that XXXX payments = the amount of the loan, when in reality, the loan is actually paid off, and I am paying the PRINCIPAL aka the INTEREST on a {$2600.00} ( rounded ) predatory loan. I am not sure who I would have to speak to about this, but I will not and am not accepting such an impersonal and robotic corporate response. I want this loan completely cancelled, and I will not accept anything less. Since I keep and have kept my word and have paid on time for the past 2-3 years on this loan, you as an individual and your employer should do the same. 

In fact, I would like everything in writing, including the original term of the loan, and the ACTUAL rate on this loan. 

I am very familiar with the fact that your employer is currently facing severe legal action behind tactics such as the one that you tried to pull with me for the SECOND TIME. 

Please read up on what is happening with your corporation : Updates on Navient lawsuits Navient Student Loan Borrowers Navient Deceptive Student Loan Practices Navient Multi-State Lawsuit Settlements Navient Student Loans to be cancelled Also, it is interesting that the institution that loan was for ( school ) has been shut down, for predatory practices as well. 

XXXX XXXX XXXX XXXX XXXX and other for profits closing XXXX XXXX XXXX XXXXXXXX I am not sure what game you are playing, but it is disheartening to know that your corporation cares more about putting people ( and keeping them ) in debt. I am NOT one of those people. This loan WILL get cancelled. ''
Product: Mortgage

XXXX Morgage company sent a payment to XXXX XXXX for {$3100.00} XXXX read another number. Also my Morgage will increase by {$100.00} in XXXX. I get no equity. I pay taxes and insurance only from my escrow account. I paid {$77000.00} for my property in XXXX. I now owe {$82000.00}.
Product: Debt collection

I settled this debt in full on XXXX/XXXX/15 after a settlement agreement was reached. I was told the lien would be removed from my home and 42 days layer the lien is still in place and I continue to show a balance with this company. ARSI is the debt collector and XXXX was the original creditor. I will upload receipts and emails and the settlement offer indicating this debt is paid in full