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

I applied for a credit card offer from American Express. I confirmed that I was eligible to receive the advertised bonus by meeting the specified spending amount ( {$3000.00} ). I then met that spend amount with legitimate charges. When the bonus didn't post, I inquired and was told the offer had been rescinded " because we can do anything we want at any time ''. Paraphrasing, but darn close. Doesn't seem like a legal, healthy business stance to me. 

I wrote to AMEX via email ( 2 different addresses found online : XXXX and XXXX. I'm not sure which one worked ( one emailed bounced back ). This was on XX/XX/2019. The email did result in a phone call. The message was a firm statement that they can not change this decision. 

I did close a few of my AMEX accounts and may do one more. I thought perhaps I would get over it. However, 6 months later and I'm still disgusted that a company like American Express can get away with this kind of non-sense. I'm interested in seeing that they don't, and to let others know that they do this kind of silly thing. 

I will attach the original email I sent for your review. Much more detail is in there, and I'd be happy to answer any other questions. Thanks for your support.
Product: Mortgage

XX/XX/XXXX my payment was increased from {$490.00} to {$530.00}. Unfortunately, I didn't notice this increase at first. It wasn't until XX/XX/XXXX that it became evident that they had increased my bill and that is when I called them. In XX/XX/XXXX they increased it additionally to {$600.00}. I called them and was told that they had not increased it but the Insurance company had increased my premiums causing the increase to my premiums with Wells Fargo. 
Of course, I called my insurance company and also checked my property tax as well and neither one had increased and Wells Fargo refused to reduce the payment. 
Within four months my payment had increased by over {$100.00} and we were stuck paying it.
Product: Credit reporting, credit repair services, 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  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 XXXXXXXX has violated my rights. Or the list of inquiries 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 an 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 or 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: Checking or savings account

I reached out to US Bank to dispute four transactions on my bank account XXXX. There were two external transfer withdrawals on XX/XX/XXXX  for the amounts of {$2600.00} and {$2400.00} and another two external transfer withdrawals on XX/XX/XXXX  for the same amount. 

Four external transfer withdrawals totaling {$10000.00}. I did not request or authorize these transfers. 

I filed a claim over the phone with US Bank and my claim was denied because they determined that I requested them. 

That is an incorrect determination and I am requesting that the errors on my account be corrected. 

The four claim numbers that were denied are as follows... 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called Bread Savings XXXX on XX/XX/22 to close my CD and open new CD at the current rate. I was told that they would have to transfer the funds to an external account. Then I would need to open a new account and transfer the funds back. On XX/XX/22, I again called Bread Savings because the funds had not been transferred. I was told it would be done that day. On XX/XX/22, I again called Bread Savings because the funds have still not been transferred. I was told that the funds were supposed to have been transferred on XX/XX/22. That is almost a week ago and still not done. The rep said he asked for someone to call me back regarding this issue. I asked him if there was anything else I could do to get my money and he had no suggestions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX / XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an application submitted to XXXX XXXX for a XXXX XXXX credit card without her consent. An inquiry was made into her XXXX, XXXX and XXXX credit reports XX/XX/2018. Also an application for a SYNCB/XXXX   account was submitted and an inquiry was made into her XXXX, XXXX  and XXXX credit reports XX/XX/2018. While no accounts were established the inquiries are still being reported to the credit bureaus. Official disputes of these activities were provided to each organization ( XXXX XXXX XX/XX/2018, SYNC/XXXX  XX/XX/2018 ) and as of this date, neither have provided an update as to the status of the investigation of these matters. This is a violation of FCRA and my client 's consumer rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX XXXX XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

I traveled to XXXX and got a taxi which was supposed to be {$60.00} we signed a POS system and entered our email address while verifying it was {$60.00}. They were supposed to email us a receipt and never did. During the ride I received a text message from the credit card company asking if I authorized a charge for {$380.00} I replied to the text no and I also called my company immediately even while during the taxi ride. The credit card agent told me to wait until the charge processed and I could dispute it. They did not turn off my card or freeze it and I never got a receipt from the taxi company. I filed a dispute which was denied I also filed a fraud claim which was recommended by Capital One supervisor both were denied. I have asked the credit card company to contact the merchant and provide the signed copy of what we signed in the taxi and they have said even if the merchant doesn't respond because I don't have a receipt I am liable for almost {$400.00} charge that I did not authorize and I immediately notified the company of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1100.00} XXXX XXXX {$1300.00} USDEDPED XXXX {$9200.00} XXXX XXXX   XXXX XXXX {$4000.00} USDEDPED XXXX {$3500.00} XXXX XXXX {$0.00} XXXX XXXX {$2000.00}
Product: Debt collection

XXXX XXXX XXXX XXXX said that they deleted the debt from all credit bureaus but Equifax refuses to delete the debt. I have sent dispute letters to Equifax XX/XX/2020 and have yet to receive any acknowledgment back. Equifax thinks they are above the law. Per FCRA credit reporting is supposed to be accurate. Equifax has allowed inaccurate information to be on my credit report. The collection agency sent a deletion to Equifax and they are ignoring them. I have inquiries on my credit report that wasnt made by me and yet Equifax still allows them to be on my credit report. I have no choice but to sue them if they dont remove this collection and inquires in 30 days. Equifax needs to know they have to obey the law like everyone else. Equifax is messing up my credit by not reporting accurate information. I cant even buy a house because of them.
Product: Credit reporting or other personal consumer reports

I recently pulled my personal credit file as I am preparing to obtain funding and found some items on my account that are not accurate information. The Employment Info has incorrect data as I am requesting that the following info is removed ; ie XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX immediately for reporting false documentation of employer info. The also see false addresses reported on my file and i need them to be removed immediately to prevent important mail from going to the wrong address potentially causing significant issues with receiving mail. The only address that should be on file is XXXX XXXX XXXX XXXX XXXX FL XXXX and all other addresses need to be removed including XXXX XXXX XXXX XXXX OH XXXX and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I also see a credit account that is reporting from Navy Federal CU with account number XXXX that needs to be deleted immediately as well. This information needs to be verified or DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian through their website to request that a fraud alert is added to my credit report after becoming aware that I was the victim of identity theft. Their system told me that my request could not be processed online. I downloaded a form that I printed and mailed with a copy of my driver 's license and my Medicaid eligibility determination letter to prove my identity. I don't have regular medical insurance, bank, or credit accounts. Yesterday I received a letter telling me that they can not process my request for a copy of my credit report and asking me to buy one. I did not request a copy of my credit report. I only wanted that a fraud alert is placed on my credit file.
Product: Money transfer, virtual currency, or money service

I purchased a service through Paypal. The service was never provided. I contacted Paypal for a refund, which they guarantee. They have not even allowed me to request the refund. When I try to make a formal request, they do not allow me to go forward. I have contacted them through chat ( the only way available ), and they just keep claiming without evidence ( or being factually true ) that the service provider was a friend of mine, so they don't have to refund the money. They just keep repeating this lie, and refusing to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX 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 crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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, credit repair services, or other personal consumer reports

XX/XX/XXXX I paid my delinquent account off with XXXX XXXX Card Services. XX/XX/XXXX theyve reported again and this time it says Charged Off with a XXXX balance. Ive called both XXXX and XXXX Card services and no one seems to be able to help. Ive tried to dispute the account and it says I cant dispute it due to it already been resolved through a dispute in XX/XX/XXXX Ive been paying all my debt and cleaning up my reports and this is a huge thorn in the side.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I started disputing a fraudulent account found on my credit report. I have recently filed a lawsuit against the company to stop collection on the fraudulent account and suing for damages and violations of my rights under FDCPA and FCRA. XXXX XXXX XXXX has been provided with the FTC report of Identity theft and police report. They have also been send demand letters for validation of ownership which were ignored. They also ignored a cease and desist to stop collection calls and statements being mailed. I disputed this account with the credit bureaus in XXXX and the account was removed from all 3 reports. Just this month TransUnion has added it back to my report after also being given all documentation showing this account was fraudulent. I am more than happy to also sue TransUnion in Small claims court for failing to remove this account entirely from my report. I have worked very hard over the past few years to remedy my credit score after bankruptcy. I was almost a 700 score when this account was added back on, dropping my score to XXXX, ruining the hard work I had done. I have been fighting trying to get this account marked as fraud with the creditor for 10 months. I am tired, frustrated, and at the end of my rope. My last resort is taking legal action, which I have started, I have no problem adding TransUnion to the suit or filing another. I have had enough dealing with this.
Product: Mortgage

My prior mortgage provider - XXXX - sold the note to Selene Finance. I called them to see if they would be open to a refinance. The agent straight out said - Selene does not refinance. How ids that even possible?
Product: Bank account or service

On XXXX i closed my Wells Fargo Bank checking account # XXXX, because of their poor customer service and they wanted to start charging me monthly fees. Before i closed it i complaint to their Corporate office about their poor customer service and the new monthly fees. When i closed my account the balance was {$000.00}, that 's why they closed it otherwise if there is a balance the account stays open. After six months when i tried to open a checking account with another Bank i could n't, because they reported me to XXXX that i have a unpaid balance. Still today i ca n't open a checking account with a Bank, because of Wells Fargo. Obviously their claim is Fraudulent and Malicious with purpose of revenge for my complaint. Wells Fargo is a Bank with Criminal record against millions of consumers during the " Real Estate Ponzi Scheme '' of 2008 and before. Since then continue to defraud consumers with new kind of fees and other Gimmicks. I am surprised that CFPB and the Government allow Criminal Banks like Wells Fargo to be in business today. It seems that in America Laws apply for " petty thieves '' not for " XXXX XXXX Criminals ''.
Product: Credit reporting or other personal consumer reports

I had a number of student loans through XXXX XXXX from XXXX. They were transferred to XXXX XXXX XXXX  XXXX, then on deferment until XX/XX/year>, and then paid in full on XX/XX/year>. 

I have a letter and account summary both from XXXX and XXXX indicating that the loans have been paid in full, and showing {$0.00} balances. 

I have filed no less than XXXX disputes with Experian and the credit bureau to have the loans removed from my credit report. I provide documentation from both providers every time, including a letter I received from XXXX indicating that they are paid in full, as well as an account summary from XXXX. Literally, the very day that deferment was lifted in the United States following the temporary freeze, they were paid in full. But they are still showing up on my credit report. 

I have filed a dispute no less than XXXX times, and each time they say that there is not sufficient evidence to remove them from my credit report. 
I want to get on with my life. My husband and I are trying to qualify for a mortgage and they are lingering on my credit report to the tune of $ XXXX.
Product: Debt collection

Please check and investigate the date of the last activity in this account. I believe that this violated my privacy and stole my identity by reflecting my credit report
Product: Debt collection

We had service with XXXX XXXX in the past but we cancelled this after our last term ended. We were never, EVER on auto renewal. Each time of renewal, it was done by phone and we CANCELLED this service by phone. Were fully paid and do not want this service and the service has been stopped for some time now. My wife has made multiple calls to stop this barrage of letters from XXXX and has either been left on hold or hung up on. XXXX is using harassing pressure to try and get us to pay a debt we simply do NOT owe and now your EOS CCA sent us a collection letter The collection stated {$50.00} and we don't owe this.
Product: Debt collection

Company calling me claiming to be process server. Threatening to file with court and saying a crime was committed. Calling family and work and revealing Info and telling them about filing a court case. No revealing who they are or contact Info.
Product: Payday loan

The instrest for the loan is 890 % I was not told this was going to be this much. I borrowed XXXX and the intrest is XXXX every two weeks. Nothing is going to the principil. I still owe XXXX to pay this off after making paymnets. I called and they said I was charged the lower intrest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Product: Credit card or prepaid card

I h

ave 2 complaints. ***COMPLAINT # 1****On XX/XX/XXXX, I received an email from XXXX  XXXX  XXXX   Mastercard ( issued by Barclays Bank Delaware ) for a promotion : " [ ... ] when you use your XXXX XXXX XXXX Mastercard to place 3 orders with XXXX XXXX, XXXX, XXXX, XXXX  or XXXX , from XX/XX/XXXX until XX/XX/XXXX, you'll earn a {$20.00} statement credit. '' The terms state " Statement credits earned will appear on your statement 6-8 weeks after the end of the promotion ''. As of XX/XX/XXXX I had made 3 XXXX transactions and I haven't received my {$20.00} statement credit. On the first week of XX/XX/XXXX, which is over 90 days since the promotion ended, I called the customer service number and spoke with a woman, who said she will file a ticket with the IT department to make sure I get my statement credit. As of today, XX/XX/XXXX I still have not received my {$20.00} statement credit. 

***COMPLAINT # 2****When I signed up for this card, it was advertised that I would receive 5 % anniversary points every year after the first year. As of today, XX/XX/XXXX, I have not received my 5 % XXXX XXXX XXXX anniversary points. My account was opened in XX/XX/XXXX, and my 1-year anniversary would have been XX/XX/XXXX. As of XX/XX/XXXX I still haven't received my 5 % XXXX XXXX Anniversary points ( which would have been at least XXXX XXXX XXXX miles. I called and spoke with a female representative in early XXXX and she was not able to help me, she said I have to keep waiting but I am already past my 1-year anniversary.