23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been sending FTC Reports from identity theft website and Transunion will always make a excuse to why they cant remove the Accounts that listed on my credit report ( like sayin the FTC report ) is invalid when they remove the hard inquiries that was listed but didnt remove the account also today XX/XX/year> I called to try to speak to either a supervisor or a US Representative and 2 agents answered the phone one name XXXX and the other name XXXX XXXX wouldnt transfer my call they said they doesnt have the option to transfer me and hung up in my face very rudely. Transunion is very corrupt. I been sending them FTC report that came off the website and them been telling me for 2 years now that the valid FTC report that I sent is not valid they constantly making excuse I also just spoke to a supervisor from transunion who name is XXXX and he told me that the federal trade commission documents that I sent in was invalid also I been trying to get these accounts remove for 2years now and they telling me the same thing These accounts that on my Transunion Credit report is not on XXXX XXXX XXXX and thats why Transunion is being sued from FCRA and CFPB that have Fradulent information reporting on people credit and they want investigated or remove the items I have a attorney involved im taking legal actions I had enough
Product: Credit card

To Whom It May Concern, I am writing this letter in regards to American Express not living up to its end of an agreement. In XXXX XXXX I signed up for an AMEX XXXX Preferred credit card under a very common and widely available promotion - Spend {$2000.00} in 90 days and get a {$150.00} statement credit. For whatever reason when I signed up online I was having technical difficulties. Therefore I reached out to AMEX via their messaging platform. The representative directed me another sign up link. I asked them very specifically if this has the special promotion. And they very clearly confirmed it was. I even have a screen shot of the message that confirmed it. I then proceeded to spend way more then {$1500.00} over the next 90 days and met the requirements. 

In early XXXX I reached out to AMEX to inquire when the statement credit would be made. They told me I supposedly never signed up under the proper promotion page. I asked for escalation and talked to a dozen other representatives over the next 3 months via message and phone. After all this they again reiterated I would not be paid the promotion as I did not sign up properly. 

The worst part of the matter is AMEX customer service .They had me re-explain the situation every time and made it very difficult and time consuming to advance the issue. I asked to have a case opened and for the ticket or case number for future followup - they told me they did not give out such information to customers. I asked for an email confirmation for my case - again they said the did not have such a mechanism. I asked where can I submit my evidence ( screenshot mentioned earlier ) - they led me to an arcane system that made me have to jump through hoops to offer it. I asked to get an email on how my case was proceeding - they told me only the only recourse was their online message which purposely does not allow for message trails. I very much hope that this issue is investigated and that my many phone calls or texts were recorded so everyone can see the arcane system I had to go through. 

All in all, it seems like the entire AMEX customer inquiry process is designed to force a consumer to go through a byzantine system in the hope that the consumer will give up before the case can be properly evaluated. AMEX seems to deliberately not allow for case tracking, followup, or basic notifications on the consumer side. I wasted a huge amount of time working my way through this poorly designed system ( or purposely designed with the intention of creating a labyrinth for the consumer ) This promotion is repeatedly offered and open to everyone. No sensible person in my situation would sign up for the non-bonus route when a good bonus route is easily available. I would like to add Ive only ever signed up for XXXX other AMEX bonus ever in my lifetime ( via the XXXX XXXX ) This is not something I do often. 

I am quite simply appalled at AMEX 's dangerous practices and how they conduct themselves. Besides not getting what I duly earned, I am more concerned about the process which it seems to me, obviously and deliberately gives favor over AMEX at the expense of normal consumers. 

Thanks, XXXX XXXX
Product: Credit card or prepaid card

Chase denied me for a credit card when I have no late payments, now utilization and not a lot of inquiries. I feel that they are being selective of the application process during COVID-19 and would like my application reconsidered. 

I am willing to go to the Attorney General in my state to get this approved.
Product: Mortgage

I received a letter from Benchmark mortgage on XX/XX/XXXX stating that I have to pay them an additional {$2200.00} because my escrow account is short this amount, I refinanced my home with them on XX/XX/XXXX, to obtain a lower interest rate, which I did it went from 3.5 % to 2.25 % fixed rate they ( Benchmark mortgage ) drew up all the paperwork and all the terms and conditions and amounts were agreed upon, my property taxes and insurance and principal and interest,, Everything is included and automatically withdrawn from my bank account on the first of every month my mortgage payment was {$710.00} and now it is {$900.00} for the next 12 months I can not afford the additional {$180.00} every month, this is there mistake not mine,!!! my property taxes and my homeowners insurance have not changed therefore my escrow account shouldn't be short period!! I spoke to Benchmark mortgage and the only solution they gave me was to seek financial aid from them,, they agreed the shortage was there fault but there was nothing they could do about it, except that I would have to pay the difference, this is money I don't have I am on a fixed income, and I should not have to pay for there mistake, please help me, this company is committing fraud against me in my opinion,, this is a financial burden that I should not have to bare, my email is XXXX, thank you
Product: Credit reporting or other personal consumer reports

Account # XXXX opened- XX/XX/2023 amount-XXXX XXXX I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801. 

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the military got XXXX in XX/XX/2016 AAFES military star card hasn't been updating to my credit report at the past 6 years.. it has been showing on my credit report has charged off reporting a balance I have emailed them and emailed them and asked them remove it from my cr3sit for reporting false information I even disputed with the 3 credit bureas and still not removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX Balance : {$8100.00}.
Product: Credit card or prepaid card

My problem is with my Barclay 's Mastercard online account. I've not been able to get to that account online for a month. I have spoken with their people ( in the XXXX ) 4 times and been told it would be fixed in 3 days, then a few weeks and then in about 30 days. There's nothing wrong with my account. I'm nowhere near the limit, I always pay more than the minimum on time. They have told me the account is fine - I just can't access it online. That means I can not pay the card on line and I can not check my account ( something I do daily ) for charges and credits. Barclays, or the company handling their website service, is totally unhelpful and I fear I'll never again have access to my account online. This problem began shortly after Barclays sent out millions of emails to cardholders that their credit card balances were near their limit. This was not true and we then received another email noting the " mistake '' made. When I mentioned to one of their employees that I felt they'd been " hacked '', he very forcefully and defensively insisted that they weren't hacked, but had made a mistake. Access to my account onilne is absolutely necessary for me. Please help to get Barclays to  address this problem and to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under personal information an AKA is listed as XXXX XXXX XXXX XXXX. I have never used this name or had a legal name change to add XXXX. I would like to get this removed or corrected as it is not my name. My legal name is XXXX XXXX XXXX and I use XXXX XXXX XXXX as my signature and ID name.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX EXPERIAN
Product: Vehicle loan or lease

In XX/XX/2020, I was involved in a auto accident that totaled my car. My auto insurance company paid Allyauto {$12000.00} and a balance was due of {$1500.00}. I have a GAP insurance policy that pays the remaining balance. XXXX XXXX my GAP insurance company paid {$640.00} on XX/XX/2020. When I spoke with XXXX XXXX they said they will be making another payment and the car dealership will be making a payment to pay the total due to Allyauto. Allyauto continues to report to the Credit Bureau that I have not made payment for this car, when they know that this is a insurance claim and I am not responsible for making payments.
Product: Credit reporting or other personal consumer reports

I placed a freeze on my Experian account over 2 years ago due to attempted fraud. I recently tried to unfreeze my account. I have called over 10 Experian phone numbers and can not get through their automated phone system. I have a financial emergency and desperately need to have my account unfrozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my report from XXXX  and paid off items in collections. Most have been settled and deleted. Paid XXXX XXXX debt with phone number provided on XXXX  fico 8 credit report. Came out of my bank as a payment to diversified collections ( collection company ) asked for pay to delete when paid on the phone and it was agreed upon. Paid on XX/XX/2020, XXXX will not report as paid and continues to affect credit report despite payment and verbal agreement on monitored phone call. Dispute twice with XXXX  with no change.
Product: Debt collection

I paid an old ambulance bill to a collection attorney office Mitchell D blume back in XX/XX/XXXX. Now they are contacting me about said ambulance bill again and they have listed it on my credit with a date opened of XX/XX/XXXX. Last time we used an ambulance service was in XX/XX/XXXX. I paid that with them settling this in XXXX the first time they contacted me. That ambulance bill was for me personally. 
Now saying they have one for my daughter XXXX who was covered under package A XXXX in XX/XX/XXXX. I provided all her ins information at the time of service. And its against the law to bill any XXXX recipient for any medical bills. So why am I being billed again? And why is it now on my credit XXXX yrs later and just bow hearing about this with an open date of XX/XX/XXXX? We have not used an ambulance for any reason this year or for XXXX yrs now in fact!
Product: Checking or savings account

FEMA sent my mother 's funeral reimbursent to my girlfriend 's Account at Rockland Trust because I did not have an account at the time. The money was paid to me and sent electronically XXXX XXXX checking account ( see attached payment details for bank info. ). We went to the Rockland Trust Branch located at XXXX XXXX XXXX XXXX XXXX MA XXXX to withdraw the money and were told that we could not withdraw it because it was payable to me and I was not in her account. We requested that the money be sent back to FEMA for them to issue a check instead. The customer service person at the bank told us that we needed to contact FEMA for them to stop the payment before the money could be sent back. I'v been dealing with FEMA since XX/XX/2022 and filed a Stop Payment Form ( pease see attached ) Only two weeks ago, I was informed by Agent XXXX badge XXXX XXXX that all I was told was wrong. He stated that FEMA staff are not well trained on this topic and FEMA can not stop payment on electronic payments. He stated that the bank should've sent the money back when it realized it could not process the funds, but more importantly they should have sent the money back when they were asked to return the money by the account holder since it is not her money and certainly not Rockland Trust 's money..
Product: Debt collection

I am a federally protected consumer and Bridegcrest has violated me under the provisions of 15 USC 1692, 15 USC 1605, 15 USC 1602, and 15 USC 1681. Please review the attached documentation.
Product: Credit reporting or other personal consumer reports

ATTN : Equifax Information services Subject : Dispute of Inaccurate Reporting and Outdated account ( XXXX XXXX XXXX XXXX ) pursuant to 15 USC 1681s-2 ( a ) ( 1 ) and 15 USC 1681c ( a ) ( 5 ) of the Fair credit reporting Act. 

I, XXXX XXXX XXXX am writing to dispute a ongoing matter that consist of the accuracy of information contained within my consumer report, specifically pertaining to the account with XXXX XXXX XXXX, with the account number XXXX. Upon reviewing my consumer report, I discovered discrepancies that require immediate attention and resolution. According to Fair Crediting Reporting Act and the Fair Debt Collection Practices Act, consumers have the right to accurate and verifiable information on their credit reports. Unfortunately, the information provided by Equifax regarding the aforementioned account lacks sufficient evidence of verification and accuracy, thereby violating these rules and regulations. I would like to bring to your attention the following concerns : 1 ) Lack of Comprehensive Verification Method : Equifax failed to provide ALL relevant information regarding the method of verification used for the XXXX XXXX XXXX account. There was no clear demonstration of how the accuracy of this account was verified, leaving me without proper justification for its inclusion on my consumer report. 
2 ) Absence of Proof of claim : Despite repeated inquiries, Equifax has not provided any evidence or proof of claim regarding the validity of the XXXX XXXXXXXX XXXX  account. As a consumer, I have the right to request and receive documentation supporting the accuracy of any reported account, yet NO such documentation has been provided. 
3 ) Non-responsive from XXXX XXXX XXXX directly via XXXX certified mail receipt : XXXX XXXX XXXX XXXX XXXX XXXX. 
It is evident that Equifax has failed to uphold its responsibilities in ensuring the accuracy and verification of information reported on my credit file. As a result, I urge you to take immediate action to rectify this situation by : 1 ) Conducting a thorough investigation into the accuracy and verification of the XXXXXXXX XXXX XXXX account. 
2 ) providing me with all relevant documentation and evidence supporting the validity of the account. 
3 ) Deleting the disputed account from consumer report until all sufficient proof of its accuracy is provided. 
4 ) Taking measures to prevent similar inaccuracies from occurring in the future. 

Also, Equifax has violated the Fair Credit Reporting Act by continuing to updated XXXX XXXX XXXX last date of delinquency and/or activity as to extend the required reporting period of 7 years. 

I have provided all proofs of my dispute with this statement. I trust that Equifax will address this matter promptly and in accordance with federal regulations. Failure to do so may retain further action to protect my rights as a consumer. I appreciate your attention to this matter and look forward to a timely resolution.
Product: Debt collection

Cavalry Portfolio Services is suing me for non payment of a XXXX XXXX XXXX Credit Card they claim they purchased as a charge-off in 2009. I have never had a charge off from XXXX XXXX XXXX. My credit reports show that both my XXXX accounts were closed by me and paid in full. The alleged charge-off would make this debt fall outside the statute of limitations in the state of TN. I feel I am being sued in hopes that I do n't present a defense, resulting in a judgement against me.
Product: Credit reporting

I had XXXX credit card accounts that were charged-off because of a lack of employment. Nonetheless, I settled each of the XXXX accounts. Below are the details of the terms and conditions for each settlement. 

XXXX XXXX Account no. : XXXX I agreed and honored the terms and conditions to the settlement amount of {$650.00}. The payment was received and credited to my account on XX/XX/2016 ( confirmation no. : XXXX ). After submitting a request to investigate and update the accuracy of my credit reporting, all XXXX credit reporting agencies ( XXXX, XXXX, Experian and XXXX ) have yet to report that proper status for this account. More than thirty days has passed. 

XXXX XXXX XXXX : Account ending in XXXX : I agreed and honored the terms and conditions to the settlement amount of {$1400.00}. The payment was received and credited to my account on XX/XX/2016 ( confirmation no. : XXXX ). After submitting a request to investigate and update the accuracy of my credit reporting, all XXXX credit reporting agencies ( XXXX, XXXX, Experian and XXXX ) have yet to report that proper status for this account. More than thirty days has passed. 

XXXX XXXX : Account ending in XXXX : I agreed and honored the terms and conditions to the settlement amount of {$930.00}. The payment was received and credited to my account on XX/XX/2016 ( confirmation no. : XXXX ). After submitting a request to investigate and update the accuracy of my credit reporting, all XXXX credit reporting agencies ( XXXX, XXXX, Experian and XXXX ) have yet to report that proper status for this account. More than thirty days has passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im opening this complaint because Im having an issue with my XXXX XXXX XXXX. Please see the following details : - Approximately a month ago Id learned the somehow XXXX XXXX XXXX was given a dispute letter which was intended for and submitted to XXXX XXXX. 
- First, I dont know how XXXX XXXX XXXX receives a copy of a letter pertaining to a loan that does not belong to them. 
- Secondly, I dont know why representatives at XXXX XXXX XXXX did not thoroughly read the letter upon its receipt as it named a private lender who it was intended for who is not XXXX  XXXX - Instead, XXXX XXXX XXXX has removed my Student Loan Information from my credit as of to date - That means Im now not getting fair credit reporting on students belong to me as I am still responsible for paying the bill each month - Ive now contacted XXXX XXXX twice regarding this issue. Once approximately in XX/XX/2019 and the other on today XX/XX/2019 - I dont remember who I spoke with in XX/XX/2019. The person I spoke with today is named XXXX. His ID is XXXX. 
- The reason has become a XXXX XXXX XXXX issue now is because XXXX  XXXX XXXX didnt read the letter for XXXX  when they first mistakenly received it. 
- Even after I called them about the mistake in XX/XX/2019, they still didnt get the manner handled properly This was so very simple and could have been avoided. All the original area /representative who received the letter needed to do is realize the letter was meant for another company ( private ) and not meant for XXXX XXXX XXXX . Instead, all or portions on My student loan information got removed from my credit report ( s ) which is very damaging as it has caused a major drop to my credit score  right during my home search and buying process. XXXX XXXX is now showing as a closed account when it is not. This is not fair to me as a consumer making payments on my XXXX XXXX accounts. Im not happy about this as Im sure no one else would be.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint.I 'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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