23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have an Amazon Prime account that already has one Amazon Prime Visa credit card ( issued by Chase ) on it, which is held by my father- who is the other adult on the Amazon account ( Amazon `` household '' accounts let you have up to two adults registered on it. My father and I are the two adults ). 

On XX/XX/24, I was researching whether I would be able to apply for my own Amazon Prime Visa credit card and still receive the 5 % cash back, since my father already has his credit card earning 5 %. According to other non-Amazon sites ( such as XXXX ), multiple users indicated this was possible- though Amazon 's website itself never provided a crystal clear answer. 

Not wanting to rely on non-Amazon sources, I reached out to Amazon directly ( via a chat agent ) and asked about this specific situation. As can be seen in the attached screenshot, I was told in no uncertain terms that both cards will be able to earn 5 % cash back. After being assured of that, I applied for the credit card. To be clear, I would not have applied for the credit card if I was not provided this assurance, as I have no need for a 3 % cash back card as I already earn 3 % cash back on Amazon purchases from my XXXXXXXX XXXX XXXX XXXX XXXX 

Upon being approved for my Prime Visa, I went to the check-out page to confirm I would still earn 5 % on both cards. To my surprise, one of the cards was downgraded to the 3 % level. This is deceptive. 

It is worth noting as well that at no point during the application process was it disclosed that either 1 ) the card I was applying for would be ineligible for the 5 % cash back due to my father 's existing card, or 2 ) that I would be making my father 's existing card ineligible for the 5 % if my application was approved. For instance, on their Apply Now page, it stated that my account already had a Prime Visa on it, though still invited me to apply if I wasn't the cardholder being referred to. Underneath the invitation to apply were all the benefits of becoming a cardholder, such as " Earn unlimited 5 % back on your Amazon.com purchases with an eligible Prime membership* ''. This also gave me confidence that I would still earn 5 % back, as the page was still advertising 5 % despite already acknowledging that an active Prime Visa was already tied to the account. It is worth noting that next to the 5 % claim was an asterisk directing me to the " Offer Details '' tooltip. However, the Offer Details page also did not disclose any limitations on the number of Prime Visas that can be on any one account for the 5 % to be obtained, nor did it define an " eligible Prime membership '' as one that does not have any Prime Visas already tied to it.

Nevertheless, even if Amazon wants to try to defend such significant omissions from their deceptive disclosures ( as such om
issions make them deceptive ), they can not argue that I was misled by one of their representatives, which directly caused me to apply for a credit card I would not have applied for had such misrepresentation not occurred.
Product: Credit card or prepaid card

I applied for a job and the employer did a background check. In that report it shows that there is a judgment under my previous name, which was XXXX XXXX XXXX. I changed my name since XXXX, when I became a XXXX XXXX. For the past XXXX years I lived in XXXX XXXX XXXX XXXX California and had no relationship with Discover Bank or Discover Bank XXXX XXXX XXXX company. I initiated my relationship with Discover Bank on XXXX/XXXX/XXXX, when I obtain my current credit card with them. The judgement shows case number XXXX, case name Discover Bank vs. XXXX, XXXX XXXX. The report also shows a match with my DOB. When I pull the case # from the XXXX XXXX XXXX XXXX XXXX is shows the same information but includes a principal balance ( Line XXXX ) of {$4900.00}. I contacted XXXX Customer Service XXXX. on XXXX/XXXX/XXXX, the representative who took my call did a research and stated that when she entered my XXXX only XXXX account shows ( my current credit card with a zero balance ) ; However, when she search by the name and the principal amount she stated that there was an account showing the matched that description. This information was later on confirmed by the representatives XXXX. I requested to have a letter that will clearly state that I only have XXXX account with them ( Discover Bank XXXX, with a XXXX balance and that there are no other account ( XXXX ) with them for the aforementioned principal balance link to me, my SSN, and previous name.
Product: Debt collection

my dad is XXXX years old. He had an XXXX account and this company during that time continue adding services he did not need and could not use. I tried talking with them and the people in the customer service i in other countries continued to tell me they were taking care of it, but to no avail. My dad has perfect credit and has always paid his bills, but i refuse to allow him to pay a {$500.00} cable bill. I feel they have taken advantage of this Senior cItizen.
Product: Debt collection

On approximately XX/XX/2021, I contacted a debt collector that I had a number for, XXXX XXXX XXXX XXXX, who told me they no longer held my debt of {$3200.00}, it had been recalled by the owner. They informed me that it was now held by JHPDE Finance I , LLC, and they provided a phone number for contact, so I called that number. I reached a representative of JHPDE Finance I , LLC, who informed me that the debt was not theirs to collect, and that it was assigned to XXXX XXXX XXXX XXXX, and that I would have to contact them. 

Upon recontacting XXXX XXXX XXXX XXXX, the next day, XX/XX/2021, I was told that the owner was Paradigm Asset Management, not JHPDE Finance I , LLC, and was provided a phone number which matched that on the website -- http : //www.paradigmassets.com -- so I called Paradigm, this was the first time. The voice on the announcement was the same, and the same announcement as for JHPDE Finance I , LLC. Paradigm did finally answer after the third attempt that day, and after explaining my situation, and explaining that I need the information on the debt and where to send payment through refinancing my home I was told that direct payment would have to wait until next week when they have the debt assigned to a collection agency, and that they aren't set up to collect payments, despite their phone answering announcement stating, " We are a debt collector ... '' They stated that it was already in the process of being reassigned, after verifying my information, and told me that it would be in the hands of an agency approximately XXXX week from today, so that would be XX/XX/2021, at a collection agency. I have yet to be contacted by this new -- as yet unknown -- debt collection agency. 

This stalling from Paradigm on getting a verification of the debt amount and where to have it sent when my refinance closes is causing an unreasonable delay in closing, after XXXX attempts to speak with Paradigm/JHPDE Finance I, LLC -- who owns the debt -- on the phone and finally being advised via their own phone answering pickup recording that 1 ) they are a debt collector, then 2 ) being told they won't provide information on how to help them collect that debt by providing information necessary to allow me to have the payment sent directly to them from escrow. Either they want the money or they don't!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX in violation if the irs code Article and the CFPB also the FCRA and the fair debt reporting act all consideres charge off as a certificate if indebtness and that means the debt is treated as income and therefore eligible to be removed also I was never notified that the debt was in the status nor was given the opportunity to respond and that violates the FTC and FCRA Acts, I never recieved a 1099 C from the Credit union also it is clear even under title 15 1681 2 ( a ) b ii the charge off is a income and can not report on person credit therefore it must be removed also the company refuse to do due diligence and still wanting to charge me for everything yet on the reports the numbers are different again and the company should release me from any i debt Ness it also violates the XXXX  XXXX codes and Federal guidelunes .....
Product: Bank account or service

Ordered bank statements for XXXX-current and was not told that the grand total would be over {$400.00}. Asked for assistance and was given a {$48.00} refund as courtesy. I also asked if they could cancel the order, to which they did not reply to that request. I feel I was taken advantage of. When I called, the customer service rep told me they were all available online. Why could n't someone send me a letter or a call stating as such before charging {$430.00} to my account that had {$90.00} left in it until XX/XX/XXXX. As a mother of XXXX this is unacceptable. I informed the bank this is for court purposes, as this is needed in the upcoming modification I am doing with my ex for child support. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has repeatedly violated my consumer rights and refused to remove this fraudulent account ( XXXX  # XXXX ). 

I have sent 2 different identity theft reports to Experian. 

I have sent a demand for validation of debt. 

I have spent countless hours on the phone with them including many of their supervisors. 

I have disputed this fraudulent account through Experian more times than I can remember. 

I have submitted several CFPB complaints. 

I have spent countless hours researching laws so that I can understand what I have to do to get this account off of my consumer credit report. 

Not ONCE has Experian shown proof of their supposed detailed investigation into this account. 

Experian has directly harmed my reputation, my finances, my mental health, and my emotional health. 

As of today XX/XX/2023 I have mailed ( via certified mail ) a notarized affidavit of truth ( copy is attached to this complaint ) stating facts about how Experian has violated my consumer rights time and time again. Attached to this affidavit is a file of exhibits which show clearly how I have been violated. 

Experian attempts to say that it is all the responsibility of the bank with which the fraudulent account is open. HOWEVER, it is EXPERIAN which is furnishing this information publicly and so it is the liability of Experian to show clearly how they have supposedly done a thorough investigation and validated this account as accurate. 

As shown in the attachments, Experian reports different dates associated with this account. They also report different opening dates and $ amounts than XXXX reports. Additionally, XXXX has already deemed this account as fraudulent and permanently deleted it. 

A charge off is considered as a taxable income which can not be reported on a consumer credit report. Experian reports this account as a charge off. 

In the attached Affidavit, you will see where Experian has violated my consumer rights a minimum of 27 times. 

This complaint will also be going to the XXXX, FTC, and attorney general. 

If Experian can not rebut every single fact stated in my affidavit, they must permanently delete this fraudulent account and send me a written statement affirming this permanent deletion. Furthermore, they must send me financial remedy as detailed in the attached Bill of Particulars. 

I am asking for help in correcting my report, but if I do not get it I will be pursuing legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax and XXXX Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX a time barred inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following Acccounts have been violated. 
XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I checked my EQUIFAX credit file via XXXX due to a fraudulent account being opened in my name through information provided by their service. A hard inquiry shows on XX/XX/2021 from XXXX XXXX that was used to open and account I want removed. the Equifax link to file a dispute ai.equifax.com does not work, I attempted to go to my account at EQUIFAX.com it shows my account is locked, it provided the phone number XXXX to contact customer care M-F XXXX est. this number does not work and has alternating errors when dialed. 
there evidently is no way to contact EQUIFAX at this time. 
All my other credit files are safely frozen and have been for 2 years.
Product: Debt collection

In XX/XX/XXXX I opened a Capital One credit card acct. It was a {$500.00} credit limit. In the same year XX/XX/XXXX I lost my job and was un`able to find a job paying more than {$7.00} to {$8.00} an hour. So in XX/XX/XXXX after my unemployment funds ran out, l could n't pay my debt. 

As my debt proceeded to remain past due, the collection attempts were strong and stronger. There were threats of me being sued as well as being garnished from my wages if l continued to not pay my debt. Capital One forwarded my debt to their sister offices to persue collections while building fees on the {$400.00} debt now owing more than the card limit allowed. For each move to their sister offices fees were added, along with late charges. Which now makes the debt look like l owe more than the credit limit allowed. Once Capital One finished sending my account to their sister agencies, they wrote off {$1100.00} and referred my debt to a legal office. XXXX. 
Upon XXXX receiving my debt, they then fowarded my debt to each of their XXXX sister agency offices while adding late fees, collections fees, mailing fees, while attempting to call to collect this debt. 
Still out of work, for each call or letter l received l responded by telling XXXX l was still unemployed and looking for work. Their threats continured with the balance due increasing all the while. Once this debt went to all their sister agencies, l was threaten and told l will pay XXXX way or another. 
After some time had passed, XXXX realized that l was n't going to pay they turned my debt over to their legal team to harass me, threaten me beyond anything l 'd heard, then XXXX gave their legal staff permission to garnish my wages. While my debt has increased with no way to pay, l was still being threaten with all sorts of legal action against me. These garnishments from XXXX agency were sent to many other banks l had no association with. The fees against my debt increased with no end in sight, where as when due deligence was excused it was then learned that my property where l lived was in my husband 's name only and l wasn ' included in name on any of our properties. This is where the {$390000.00} comes with interest accruing @ XXXX percent annual. I would owe this debt until my death! for this was only a {$500.00} Capital One Credit card. 
I did not receive notification of my right to persue this debt, because l was told as well as hollered at in paying this entire amount off asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name should only be listed as : XXXX XXXX The only address I have is my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all other addresses and names Remove 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: Credit reporting, credit repair services, or other personal consumer reports

I know my rights and which is wrote in 1681b, where I did not give permission or concerns to this company to get a hard inquiries copy. XXXX XXXX XXXX/XXXX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon dispute with XXXX XXXX acct # XXXX due to identity theft XXXX XXXX   have failed to provide me with proper verification of any sort. not only have they failed to provide me with proper physical contracts bearing proof of signature and payments they have also reported different balances and dates of last payments to each credit reporting agencies Transunion, XXXX   and XXXX. this is very harmful and suspicious for a company with such reputation. i've attached the different inaccuracies and again a letter with information I wish to be verified and copy of my local police report for deceptive practices. this account does not belong to me. all accounts on my credit file has been paid with great integrity to revive my good credit history. i ask that this negative rating be deleted from my credit file upon their 90 day investigation as written. its unfair to me as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX [ XXXX, Oh XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA, XXXX Subject : Dispute Regarding Charge-Off Reporting To Whom It May Concern : I am writing to formally dispute the validity of a charge-off listed on my credit report by XXXX XXXX XXXX. The charge-off in question appears on my report as of XX/XX/XXXX with a balance of XXXX Upon investigation, I have reason to believe that this debt may have been written off by the creditor as a tax deduction under IRS regulations . If the creditor claimed this charge-off as a loss for tax purposes, the continued reporting of this balance as owed to the creditor is inaccurate and misleading. Once a creditor writes off a debt as a loss and claims a tax benefit, they forfeit the right to collect or report the debt as active unless they explicitly sell it to a third-party collector. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report only accurate and verifiable information. Therefore, I respectfully request that you : XXXX. Verify the status of this charge-off with the creditor. 
XXXX. Immediately remove or correct this charge-off entry if it has been written off or forgiven by the creditor. 

I have attached a copy of my credit report highlighting the disputed entry and documents verifying my identity for your convenience. Please conduct a prompt investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to a timely resolution. 

Sincerely, [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]
Product: Credit card

On XX/XX/year>, my fianc referred me to open a Marriott XXXX XXXX credit card with Chase Bank. He had a promotional offer of receiving XXXX bonus points on his Marriott account if I was approved, and I'd receive XXXX bonus points upon spending {$3000.00} in XXXX  months. Fast forward to now after the first monthly cycle, and spending over {$6000.00} ( we are getting married soon ), Chase Bank decided to reward my Marriott account XXXX free nights, each worth XXXX points, which was not what I expected and wanted when opening this card. They misled me with the offer saying " you've been referred, receive XXXX points after spending {$3000.00} in the first XXXX  months '', and now they're claiming the offer was XXXX free nights worth XXXX points. Even their current offer is bonus POINTS not nights. I've contacted Marriott first, which couldn't help and said it's under Chase 's control. I spoke with Chase bank and spoke to a manager, who said she was the highest level to speak to in regards to a problem like this, yet she was still no help and refused to resolve anything for me.
Product: Credit card or prepaid card

I was harmed on both XX/XX/XXXX & XX/XX/XXXX as a result of the company Cashapp in any order and or variation of the words posted, acknowledged and or accepted the transaction ( s ) and held my cash pending for days. At times when someone I owed came to collect some of there money I couldnt pay that person and we got into fisticuffs I received bodily injuring blows and at one point I was having an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I could not remove myself from the situation because my life was being threatened by my body because the company Cashapp not immediately returning the cash to the account. 
Whether the companys app relayed that the transaction ( s ) is or are of NOT ENOUGH CASH ( Declined ), Voided or Canceled I shouldve been able to a ( void ) the conflicts and the injuries they incurred because of the cashs absence. 

Does the company Cashapp deny that they in any order and or variation posted, acknowledged, and or accepted the cash available that enabled the merchant to have to be one to cancel a or the transaction ( s )?
Product: Vehicle loan or lease

TransUnion file Number : XXXX date issued XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has unknown for payment in the month of XX/XX/XXXX Page 4 of 11 TransUnion needs to update the correct information of XX/XX/XXXX payment was made on time
Product: Student loan

Besides acquiring XXXX plus military credits, and over XXXXXXXX XXXX and XXXX XXXX credits especially from XXXX who went to various schools from universities/private, and online or brick and mortar colleges. 

Even as a transfer student with transferrable credits who was ripped off financially from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who was also owed a Bachelor in XXXX XXXX, which was never delivered. I even went to XXXXXXXX XXXX who stabbed me in the back because that is what they do who mascot is XXXX where I had XXXX credits who was suppose to receive a XXXX in XXXX XXXX or XXXX XXXX/minor in XXXX XXXX XXXXXXXX who exited out the program. 

I lost thousands of my XXXX XXXXXXXX both XXXX  and Post XX/XX/year> as the VA also calls it XXXX XXXX XXXX XXXX, and not that I am XXXX, unemployable who lost two XXXX degrees illegally taken away from me by a XXXX XXXX XXXX XXXX XXXX with a minor in paralegal/criminology, and XXXXXXXX XXXX who can not even pay off the rest of his tuition as I am close to XXXX where the current US president , and vice president was suppose to help people like me absolved of all my collegiate debt, which keeps failing at the Supreme Court XXXX I am owed thousands of dollars I never seen a refund check owed to me for being XXXX in debt plus interest in excess of student loans with two missing Bachelors degrees.