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

On XX/XX/XXXX, I purchased a new camera, figured new xmas gift for myself a bit early. It was set to arrive on XX/XX/XXXX, tracking says package is delivered - I get home and nothing is there. I chat into the support team and they tell me to wait 24 hours and chat back if nothing is there still. So In figure yeah, maybe it was just marked delivered on accident so I continue to wait the 24 hours. On the XXXX, since the support team told me to wait 24 hours as the package may arrive then, I decided to also purchase the gimbal kit I was looking at so they would arrive the same day. 

XX/XX/XXXX comes along, gimbal package is marked as delivered - I get home and nothing is there. At this point I assume they were snatched from my porch ( I live alone, no one else was there at the time to bring them inside. ) I chat into the support team again and they say they started the process for refunding both items and I just need to wait for confirmation emails at this point. So I wait for the confirmation emails and they eventually come in - now its a waiting game for the refunds to apply so I can just go into the store and buy them there instead of worrying about a porch pirate again. 

Then today on XX/XX/XXXX, I get two emails ( one for each of the packages ) saying that the investigation was complete and they're unable to provide any refund or replacement. So what am I supposed to do at this point as I've spent the money and didn't get the items, as they were stolen? The tracking on the packages even shows that a signature wasn't required. Absolutely insane for such an expensive item.
Product: Credit card or prepaid card

Card Issuer : American Express Card Product : XXXX XXXX XXXX   There was a promotional signup offer for {$250.00} as a statement credit after spending a specified amount ( {$1000.00} ) on the card within three months of approval. 

The spend threshold was hit within the stated period but no statement credit was issued ; a complaint was submitted to American Express three months after the date the threshold was hit. It has been another two to three weeks since the initial complaint was submitted, during which time there have been multiple contacts with the company, still with no resolution. 

There have been multiple promises to resolve this issue, including an explicit indication that it would be resolved several days ago.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I regularly monitor my credit report one day upon reviewing my current status of my credit report. I noticed there was an account from Source Receivables Management, which has significantly dropped My credit score by almost 100 points. Upon further review in further research, I never receive anything from this company stating that Ive entered into any agreement for contract regarding said Debt.
Product: Credit card

I purchased XXXX XXXX ticket using Citi Card, i bought return journey ticket, while going to XXXX was fine but in return XXXX XXXX delayed entire journey by XXXX Hours. As per Department Of Transportation and FAA rule that if XXXX flight is delayed for more than XXXX hours then consumer is entitled to get refund. 

Also because of multiple delays i was forced to stay overnight at XXXX airport, XXXX customer care told me to book my hotel and cab, and was promised that airlines will pay be back, As of today XXXX has not paid me back and Citi bank is refusing to fight with XXXX XXXX and credit my amount back. 

Even though i have all the evidence and which i have submitted to both Citi Bank and XXXX XXXX, both of them are not responding to me in positive way. 

Citi Bank does not even look into what i have submitted and favoring XXXX XXXX. 
I have paid for extra leg room and extra bags for my entire journey, now airlines is refusing to refund me for not delivering the services that i paid for and Citi Bank is favoring vendor and not the customer of their bank
Product: Credit reporting or other personal consumer reports

Thank you for working with me on my credit dispute. Unfortunately this is a unique situation ( atleast to me it is ) where the Barclays may not be appreciating the nuances and are going through their normal processes which don't apply to this situation. In summary. I closed my account / credit card with Barclays. I also changed my primary email address. It turns out that Barclays did not close my account and credit card resulting in a subscription charge from a third party for {$5.00} being put onto the card. Since I had changed email addresses, Barclays did not have the correct email address and thus I was unaware of the {$5.00} charge. I came to find out when a debt collector contacted me much later on that month after month Barclays was applying a XXXX XXXX  late fee charge each month and applying interest. All stemming from a {$5.00} charge from a third party after I had instructed them to close my account. In conclusion, after what feels like thousands of calls with Barclays and the debt collector, I have settled the debt ( even though I didnt do anything wrong, just want to move on from the situation ) but am now trying to tackle getting the late payment reporting off of my credit score. Barclays refuses to do any actual work and keeps trying to push me to the debt collector which isn't reporting anything to the credit bureaus. The credit bureaus have instructed me that Barclays sees the information as accurate but I can't speak with anyone at Barclays. When working with Barclays customer service they are incapable of even getting me to the right team to address this matter.
Product: Credit reporting or other personal consumer reports

Today, XX/XX/year>, I have received multiple text messages and phone calls from legitimate lenders in my city of birth telling me that I have been approved for a loan after an application by a person named XXXX XXXX was submitted using my information. 

I have attempted to login to Equifax using the password I had with them, but it does not work anymore. So I attempted to reset my password, but it has failed every single time with the message : " We are temporarily unable to complete this request. 
Please try again later. '' The URL that bears this message ends with : 'mc-connect-server-error '. I have gotten this same prompt about how it's TEMPORARILY unable to complete my request for months now. I only desire to freeze my third, and final, credit report so that nobody can successfully open loans up in my name.
Product: Checking or savings account

On XX/XX/XXXX, I received a notification from Chime regarding a purchase from XXXX XXXX XXXX XXXXXXXX for {$170.00}. I did not authorize this purchase and the card being used was in my possession. I immediately reported the card as stolen. Chime would not allow me to report this transaction as fraudulent on XX/XX/XXXX since the charge had not settled. I then contacted XXXX XXXXXXXX XXXX XXXXXXXX to have them locate this fraudulent order so that it could be reversed. The CSR from XXXX XXXXXXXX XXXX XXXXXXXX attempted to locate the charge with my information such as my name, email address, phone number and the last 4 of the credit card. He was not able to locate anything and stated he would have someone from another team investigate and contact me with XXXX hours. 

On XX/XX/XXXX, the charge posted to the Chime account. I immediately initiated a dispute. I was emailed the dispute form to fill out on XX/XX/XXXX. I immediately filled out this form and received an unacceptable response of having a temporary credit added within 10 business days while they conduct their investigation. I then called Chimes support number and was told that they received the form and it was filled out correctly. I inquired as to why I did not receive a credit immediately since this charge was fraudulent. She stated an investigation would need to occur. 

On XX/XX/XXXX, I reached out to XXXX XXXX ( Director of Customer Service ) for XXXX XXXX XXXX XXXX explaining the situation and asking for assistance in rectifying this issue. I received a response back from XXXX XXXX on behalf of XXXX XXXX. She stated that she couldnt assist with this matter and I would need to reach out to Chime. I then advised her that I already reached out to Chime but in order to facilitate a quicker process, it would need to be located and refunded from their side. She refused again and repeated the same language. 

On XX/XX/XXXX, I received an email from XXXX XXXXXXXX XXXX XXXXXXXX stating that they were unable to locate the charge with my identifying information and to contact Chime since it would appear my debit card had been compromised. On XX/XX/XXXX, Chime emailed me stating that the charge would stand and no fraud was found. This is completely contradictory to the actual merchants response.
Product: Checking or savings account

On XXXX XXXX, 2017 I made a deposit of {$1200.00} with a check from the XXXX XXXX XXXX to my Bank of America checking account. But the funds would not be available until XXXX XXXX, 2017, this withholding of my money by " rules '' the Bank of America, this is generating damages and losses, First I was NOT informed that a deposit with a check from another bank would take 10 days to be available, and Second I will not pay my obligations on time, I will have to pay an extra charge of 10 % for late payment to the apartment complex. However XXXX XXXX XXXX already paid the amount of the check to the Bank of America dated XX/XX/2017. 
Who will pay for this damage caused by the Bank of America? 
Please stop this type of abuse that the bank of America does with the clients every day, this practice of retaining your money for a long time generates profits for the bank and damages for the clients, total abuse of the rights of the consumer. 
Thanks for your attention. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit cards or credit lines is showing 127 % on Experian for Credit on Cards but there is only XXXX on the lines of credit and XXXX is used, which should be lower just waiting for the credit cards to update the information. 

If you look at XXXX and XXXX they show the property information but for some reason Experian is showing something a lot different that is affecting my score. 

I know there are some issues with my account that I'm trying to work through. I had a company I left my son and items that should be business related are showing up on my credit report and working with an attorney to correct. However, Experian is extremely difficult to work with and they don't seem to do extensive investigations to ensure their information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

After dispute results came back as Remain on report, I contacted Affirm to have them determine why they would ask the balance to remain when they are in agreement that the balance is {$0.00}. Their suggestion was to use a document from them in the dispute showing {$0.00} balance. I waited a few more weeks, and now Dispute says REMAIN again. Per XXXX they contacted Affirm a 2nd time and they told them that the balance on the report of {$540.00} should remain on the report, despite their acknowledgment to me that the balance is {$0.00}.
Product: Debt collection

Resurgent Capital Services L.P . Compliance Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Request for Debt Validation Account Number : XXXX Reference Number : XXXX Dear Sirs/Madams, I am writing in response to your letter dated XX/XX/XXXX, regarding the referenced the above account owned by LVNV Funding LLC and serviced by Resurgent Capital Services L.P . I appreciate the information provided in your letter ; however, I have some concerns regarding the validity of the debt. As a consumer, I have the right to request validation of the debt in question. I kindly request that you provide me with the following information to validate the debt : Verification of the original creditor, XXXX XXXX XXXX, XXXX. Proof of ownership rights acquired by the Current Owner, LVNV Funding LLC. Documentation showing the complete payment history of the Account, including the last payment received on XX/XX/XXXX, and the subsequent charge-off on XX/XX/XXXX. Detailed breakdown of the current Account balance of {$690.00}, including any fees or interest charges applied. Confirmation of compliance with state and federal laws and regulations concerning the collection of debts. I understand that Resurgent Capital Services L.P. is responsible for servicing the Account on behalf of LVNV Funding LLC. Therefore, I kindly request that you provide the requested information within 30 days from the date of this letter, as required by the Fair Debt Collection Practices Act ( FDCPA ). Please note that until the requested information is provided and the debt is validated, I expect all collection activities, including reporting to credit bureaus, to cease. In accordance with the Fair Credit Reporting Act, I also request that you update the Current Owner 's tradeline for this Account to disputed during the next reporting cycle. I look forward to receiving the requested information and resolving this matter promptly. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Bank account or service

In XXXX of XXXX, PNC Bank had a publicly available {$400.00} bonus offer on their website https : //www.pnc.com/en/personal-banking/banking/checking/campaigns/checking-offer-for-PNC-customers.html The offer stated : " Add a checking account to your existing banking relationship with PNC. Open a qualifying checking account ( Virtual Wallet with Performance Select or Performance Select Checking ) online and get {$400.00}. Simply establish a qualifying direct deposit of {$5000.00} or more within first 60 days and make at least one payment with PNC Online Bill Pay. '' Expiration was XXXX/XXXX/XXXX. I followed the instructions and met all the requirements of this offer. I had an existing relationship with PNC ( a saving account opened prior to that ). On XXXX/XXXX/XXXX, I opened a Performance Select Checking account online on PNC website stated above. I made several qualifying direct deposits of more than {$5000.00} within the first 60 days and made several qualifying payments with PNC Online Bill Pay. Recently, in XXXX XXXX, I called PNC to inquire about the status of my bonus and a representative stated that she did not see the promotion on my account. She said that she needed to send an inquiry to their escalation team. Then she asked me to provide her the advertisement of the offer. I can not locate it any longer since the offer is expired on XXXX/XXXX/XXXX and PNC pooled the link with the promotion off the internet. Now I can not prove to PNC that they advertised THEIR publicly available offer on THEIR website.The representative called back and left a voicemail that they refused to add the promotion to my account. To me this is a deceiving practice of the financial institution if they can not honor their own promotion after a customer met all the requirements of it within qualifying period of time. This was not targeted but PUBLICLY AVAILABLE offer and PNC should be able to find the details of it in their database and add it to my account while by some reasons it was not added automatically by their system at the time of my opening the account.
Product: Debt collection

CitiFinancial is reporting to XXXX that I owe them {$7100.00} from an installment loan that supposedly went into collections back in 2011. For well over a year, I have been trying to contact them to resolve this loan, but they continuously give me no avenue for resolution. I filed a complaint with your office back in XXXX of this year asking for your help in getting CitiFinancial to speak with me about resolving this debt. We received a response from Citi regarding who to contact to get this matter resolved, but 6 months later, we are no closer to getting this matter resolved. Despite countless attempts to contact Citi, I either get no response or notification that they do not have that account number on file. Quite simply put, CitiFinancial is holding my credit report hostage. They are reporting an unresolved collection account on my credit report, and simultaneously providing no avenue for resolution. I am going to be uploading XXXX documents. The first is a snap-shot of how CitiFinancial is reporting this debt to XXXX The XXXX is the response I received through your office from our XXXX complaint. The third is the latest response I received from Citi. Once again, they are back to stating that they have no record of the account, or can find no record of the account with the account numbers THEY are providing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency has continued to report to chexsystems on an account I paid off in full on XXXX  and closed as agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a Transunion account today ( XX/XX/2021 ) and was instantly prompted to enter my credit card information. Thinking this was for identity purposes, I entered it. Later on, I checked my email to see that I was charged for a {$25.00} credit monitoring subscription I never even signed up for ( XXXX XXXX  EST ). I instantly canceled it the second I saw it however they already charged me for this service. I never asked for this service nor signed up for it, so I don't understand why I was charged for it. I also want to be made sure that I'm 100 % out of the subscription. I do not want to be a part of the subscription and would like it cancelled ( If it hasn't been already )
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a home equity loan with XXXX XXXX ( XXXX XXXX XXXX ) that was discharged in Bankruptcy more than ten years ago. The loan amount and information is incorrect and appears on my credit report as if it is a much newer loan. 

XXXX wrote a letter ( see enclosed ) which supports my position. XXXX sent the letter to all three credit reporting companies recommending that they remove the account because the loan was discharged in bankruptcy more than ten years ago. Two of the three have complied. The remaining Experian has to date refused. I have called Experian a number of times and have even spoken to a manager. I have filed complaints through their website but to no avail. I sent Experian my bankruptcy papers the same papers I sent XXXX. The people at Experian seemed confused that XXXX XXXX was formerly XXXX XXXX, which is a well known fact that they changed their name of business. They seem confused that the loan amount and information is incorrect and appears on my credit report as if it is a much newer loan. 
I told them the whole things is wrong and should n't be there to please take it off. XXXX did as well. 
XXXX : XXXX XXXX XXXX Please, I am trying to purchase a home and this is adversely affecting my credit score and my ability to get better terms on a mortgage. Please have Experian remove this very old home equity loan that was discharged in bankruptcy more than ten years ago. Thank you very much. 
XXXX XXXX
Product: Mortgage

Hi, I've started working on my refinance application on XX/XX/XXXX ... and in XXXX i had to walk away after closing costs increased over 2 times and {$500.00} i prepaid for the application. 
Every promise Amerisave made was a complete lie ... .and nothing was in the end the way they promised it. 

Amerisave from the day one was focused on collecting {$500.00} with the bait and switch approach. They quoted me rate which was good before I paid initial {$500.00} fee ... .after fee was paid the rate and the amounts of closing costs kept changing. 
In the end they said that because my condo with mortgage of $ XXXX was appraised for $ XXXX and not $ XXXX the rate needed to be higher ... which is complete nonsense since I refinanced homes before and once you have 40 % equity it doesn't matter. 

Their entire selling technique is based on ensuring that you out {$500.00} and once that happens the original terms are out of the window! 

Scammers!