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

I received an unsolicited offer from American Express Company ( " Amex '' ) to apply for a new Gold   Delta SkyMiles credit card ( Delta card ). The terms of the offer provided that 60,000 Bonus Miles were to be earned after making {$2000.00} in purchases on the new Card within the first 3 months, and a {$50.00} statement credit after making a Delta purchase with the new Card within first 3 months. The offer was valid until XX/XX/2019. 

I submitted an on-line application for this Delta card, which was promptly approved given my excellent credit rating and an impeccable payment history with Amex for the last several decades. I was notified of the approval by a letter dated XX/XX/2019 from Amex ( copy attached ) on the basis that I applied.

As I timely fulfilled all the requirements for the Bonus Miles and the {$50.00} statement credit, I contacted Amex on XX/XX/19, about the status of reflecting these miles and the credit on my account. I was advised that the advertised bonus offer was not being honored by AMEX in spite of my having met all the offer requirements, but that the matter would be investigated further ( case # XXXX ). In a subsequent chat with an Amex representative on XX/XX/2019 ( reference # XXXX ), I was informed that I was ineligible for this promotion even though I was never previously so notified or advised. The stated reason for this decision, notwithstanding the fact that the new credit card was already approved, was the reported existence of my other Amex credit cards, which limitation was never previously disclosed to me. 

This is a classic example of a bait-and-switch perpetrated by Amex.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX I began experiencing financial hardship which prevented me from being able to make my car loan payments with Nicholas Financial on time. In XX/XX/XXXX the vehicle was repossessed. Since then I am back on my feet and have invested alot of time and resources into getting my credit back on track. So much so that I am in the process of purchasing my first home and need all of my information to report as accurately as possible. 

The underwriter on the mortgage loan is questioning the status of the balance of the repossessed account. Basically - is it charged off. 

I spoke to XXXX at XXXX @ Nicholas Financial corporate office who advised that the vehicle has been deemed as CHARGED OFF since XX/XX/XXXX but that they will not change the status from repossessed to charge off because the credit bureaus know what it means.

That may be true but the underwriter doesnt have to and the wording on any account should be accurate. The repo happened BEFORE the charge off. The account should have been updated after the occurrence
Product: Mortgage

I believe that Mr. Cooper ( and its parent Nationstar Mortgage LLC ) are participating in what seems like predatory behavior with the mortgage they hold for me because no other explanation makes sense. 

( All figures in USD ). 
XX/XX/XXXX : my escrow balance was approximately XXXX. 
XX/XX/XXXX : Mr Cooper conducted a yearly escrow assessment where they anticipated my home insurance to be XXXX and property taxes to be XXXX for XXXX, totaling approximately XXXX. This was relayed to me by a customer service rep. 
XX/XX/XXXX : After this assessment, Mr. Cooper concluded that there was a SURPLUS in my escrow account and issued me a check in the amount of XXXX. 
In the correspondence included with the check, they also made a note that they anticipated my escrow payment to decrease starting XX/XX/XXXX. I will attach. 

Up to this point, my monthly mortgage payment was XXXX ( comprised of XXXX principal & XXXX escrow ). 

In the same correspondence of the surplus check, I received a notification for the XX/XX/XXXX mortgage payment. Mr. Cooper raised my monthly mortgage payment to XXXX ( monthly ins and taxes now XXXX instead of XXXX ). After speaking with customer service ( who didn't succeed at reassuring me this sequence of events made sense ), I was told that my home insurance was higher than expected so they had to increase my mortgage to cover this. They knew this WHEN they were issuing the surplus check to me ( see attachment ). Additionally, I was told by customer service that I couldnt just add money back to my escrow to cover any insurance hikes. So they allegedly assessed before they could properly estimate then did not give me an alternative option to make up any differences that may arise. 

I also submitted written inquiries to their website for which I received a stock message of they'll get back to me within a certain time frame in written form. The only letters I received was an acknowledgement of me submitting a request and an anticipated response time but no actual resolution. They also made sure to state that they were only a servicer and Nationstar owned my mortgage as if they were not all a part of the same company. 

To recap, I had an escrow surplus and they issued me a check only to raise my monthly mortgage payment anyway because I wouldnt have enough in escrow to cover insurance and taxes for XXXX. If they were acting in goodwill, why is the escrow assessment performed BEFORE theyve paid out/received the totals required for the calendar year? It smacks of plausible deniability while engaging in predatory behavior in my opinion.
Product: Money transfer, virtual currency, or money service

I would like to file a complaint against KLARNA and XXXX. On XXXX I logged onto my KLARNA APP to make a purchase using KLARNAS pay in 4 option for XXXX  via XXXX store for pick up. KLARNA partners with merchants for consumers to make installment payments. So as I went to check out on XXXX via the KLARNA App the only option I was given to pay for my order was to buy a GIFT CARD. So I did.. KLARNA then gives all the terms and conditions before I buy the gift card and it says that the gift card is non refundable.. I agreed because it was my intentions to pay for my current order by purchasing the gift card for the exact amount of my order which was {$88.00} .. after all the discounts and credits applied. Also there was a little overage added per the app just for security. I purchased the card and KLARNA immediately charges my card the XXXX of XXXX payments. {$22.00}. Then a gift card number and PIN number auto populates on my phone and gives me the option to copy and paste it into the payment option on XXXX. So I did. And hit REDEEM. Once I hit REDEEM I get an error message that says the promotional code or gift card is INVALID. I tried multiple times to re enter this code and same thing. I immediately go to my KLARNA APP to request assistance and a call from customer service. After holding for XXXX minutes I spoke with a XXXX and told him what happened. XXXX told me that the issue is with XXXX  not KLARNA .. frustrated I hung up and called XXXX spoke with a lady and told her what happened.. she then says its not XXXX  problem that its XXXX problem and then I had to call KLARNA back. Even though after speaking to this lady named XXXX and giving her the gift card numbers she then verified that the gift card number was invalid. I informed both of these companies who where passing me back and forth between them that I will be filing this complaint because no one is helping me resolve this issue. XXXX even says they have no option for me to speak to a supervisor as supervisors do not take calls. Meanwhile KLARNA has charged my debit card and has future charges pending that the I am liable to pay for something that l was unable to use and make the purchase I intended to. I refuse to pay for a gift card I can not use and was not provided with any assistance from KLARNA or XXXX. I want a refund for my initial payment through KLARNA and I want the transaction completely canceled and refunded.
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, 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
Product: Mortgage

On or around XX/XX/2021, my home equity line of credit was suspended without notice or reason. Since XXXXXXXX XXXX, when I first because aware of the issue, multiple attempts at getting a reason or lifting the suspension have met with demands for arbitrary letters and forms that I have duly filled and sent, yet the suspension has not been lifted. 

Please help me get this suspension lifted immediately because there is NO lawful reason for it - my credit scores are XXXX, XXXX, and XXXX ; 30+ year clean record of payments to all creditors with 18 years with this HELOC. 

Please feel free to contact me for further information. 

Thank you!
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 : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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: Student loan

I requested a refund for my federal student loans XX/XX/2021. I paid {$10000.00} to myfedloan servicing in XX/XX/2021. The balance has been reinstated on myfedloan and they say my refund request is processing, however studentaid.gov has not updated my balances and I still have no received the {$10000.00} back!!
Product: Credit card or prepaid card

My Macys credit was a few weeks late and they decreased my credit limit without any notification
Product: Credit reporting or other personal consumer reports

verbiage 75 % XXXX The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.
Product: Credit reporting or other personal consumer reports

I noticed erroneous accounts appearing on my credit report tonight, and I have no explanation for it. I checked my credit report as usual, but this time, there were discrepancies that I hadn't seen before. I tried refreshing my browser to see if it was a glitch, but the inaccurate accounts stayed. Therefore, I request a careful review of the documents I've sent so I can avoid any future worries.
Product: Mortgage

In XX/XX/year>, I reached out to Dovenmuehle Mortgage to see if there was any assistance I could get with my Mortgage. I saw the writing on the wall that I was going to be late with my Mortgage and knew it was best to reach-out sooner than later. XXXX was my first missed payment. 

An Application was submitted over the phone for Loss Mitigation Assistance. I was also mailed a packet with additional information Dovenmuehle requested. 

There were some technical issues, but after I work through them with Dovenmuehle 's IT department, I logged in to Dovenmuehle 's portal and uploaded the documents they requested on XX/XX/XXXX. 

I had been away for the XXXX XXXX, and when I returned home, I had a letter from Dovenmuehle dated XX/XX/XXXX that said my request for assistance was rejected because I was not 90 Days late. The letter stated I could appeal the denial. 

I appealed the denial immediately and they came back and said I still needed to wait 90 Days before they could begin to review and offer any assistance. 

I reached out to a HUD Approved Counselor XXXX XXXX XXXX XXXX ) who said that Dovenmuehle was not following the legal requirements for Assistance and that they should be working with me immediately upon reaching out in-lieu of making me wait 90 Days, which is 30 Days before they can begin Foreclosure proceedings. 

If XXXX had a conversation with me in XXXX and mentioned I would not be able to get assistance, I may have put the house up for Sale. However, they've provided me with hope that I can keep my home and have strung me along to a point where I am in a deeper hole, scared, and uncertain as to what is going to happen next. 

I need help.
Product: Debt collection

Tek collect ( XXXX XXXX XXXX XXXX Ohio XXXX ) will not send me the information that I am asking for to validate this debt. Nothing that bares my signature, nothing showing I entered into a contract with this company, proof they are allowed to collect in my state etc. All they keep sending me are computer generated invoices with another companies name on it. I do not know Tek collect, nor have I ever done any business with Tek collect. But yet they continue to report this negative information on my credit and say that I owe them XXXX dollars. It keeps getting deleted than reappearing on my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I contacted XXXX in XXXX to change the billing for my new apartment. They said that I had to come in person, and provide identification. I live a long ways away, and have been renting here for about 7 years ; and have a FL drivers license. I asked if they had gotten a report on me. They said XXXX said that I needed to be checked further. I don't borrow money, and I consider this to be discrimination against people who don't borrow money or have a credit rating. I then tried to get my free report from the consumer site. I was redirected to the XXXX site. I wound up spending a couple of hours trying to upload documents to them to get them to send me my report. I think that it was deliberate. First try no response got directed back to the main site. Put my info in again and tried to upload an image of my drivers license and recent electric power bill. It then said that they were too large in file size which is ridiculous now days. I then rescanned the documents to a smaller size and one into the pdf format they required. It then said that my XXXX  file was in color and rejected it. I then had to start over and reinput my data again. I then rescanned a document as XXXX XXXX XXXX XXXX ( not color ). It didn't like that. That file was not color like it said it was. This seems to be a deliberate policy to make things difficult or impossible for people who complain/want their report. I am computer savvy, and I imagine that many people would have problems getting this far. I gave up and was going to mail it in, but I was able to call a number ; and I am supposed to get the info that I need. They caused the XXXX XXXX XXXX to not register the utilities in my name. I would have to drive 9 hours and spend lots of gas money just to show an XXXX employee a document which I shouldn't have had to. I have a XXXX  drivers license. Are you telling me that XXXX does not have copies of those public records? I am also on the voter roles. They should have that also. This is just plain discrimination against people who pay for things in cash. And they have made it impossible for persons to complain on-line ot them. Their web site is broken ; it rejected my non-color XXXX XXXX  scan.
Product: Mortgage

I do not understand several points that concern me terribly, you are setting me up for foreclosure and I am worried XXXX  about the outcome of my mortgage crisis : We are struggling now because I am XXXX  with XXXX, been XXXX  for XXXX weeks and it's taken its toll on my mortgage payment and other bills. My income has dropped considerably, and you structured a repayment plan that I simply can not afford, you have not provided me with any new offers, and you have declined every policy that you have to help people who are struggling. Why did you withdraw my application for assistance, I don't get any answers, all I get is the same mail every day telling me I have to wait 30 days for an answer. So many 30 days have passed since my first email to you, all you do is send the same repetitive messages to me, I do not see any offers for me to keep my home. I have serious  XXXX  issues  and I wish you would take that into consideration because reviewing my mortgage. We need to resolve this as soon as possible ; I am so afraid that you are going to begin foreclosure proceedings against me while I am very XXXX. Can we work our sum payment arrangements such as : XX/XX/XXXX - XXXX XXXX 's payment XX/XX/XXXX - XXXX - XXXX 's payment XX/XX/XXXX - XXXX - XXXX 's payment XX/XX/XXXX - XXXX - XXXX payment XX/XX/XXXX - XXXX - XXXX payment XX/XX/900 - XXXX payment XXXX - XXXX XXXX XXXX XX/XX/900 XXXX 's payment XX/XX/900 XXXX 's payment Its going to take less than 4 months to catch up my mortgage, I am going to apply for covid assistance, its has again impacted my mortgage on a serious note. 

Please let me know what you think. I want to avoid foreclosure while suffering from XXXX, it's been horrible, and I appeal to you to look at this seriously so we can resolve this as soon as possible.
Product: Credit reporting or other personal consumer reports

Experian and XXXX ( Headquarters out of Florida ) .. are reporting low score or wrong information!! 
I've seen credit denials from Experian for car loans at a XXXX credit score and reporting a XXXX credit score that's never been apart of my score! 

XXXX has me currently at a credit score of XXXX ... so what's really happening plus deceased and a bank attacked that hasn't or XXXX XXXX roots but only out of state. I never living in another state longer than one month or less. 

I will enclose evidence of score
Product: Debt collection

I have never heard of this company, i started getting scary phone calls about something i knew nothing about, I can not recall signing a contract with this company and they are ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX {$4000.00} XXXX {$160.00} XXXX {$380.00} XXXX {$50.00} XXXX XXXX XXXX   XXXX {$90.00} XXXX {$310.00} XXXX {$220.00} XXXX {$580.00} XXXX {$600.00} XXXX {$24000.00} XXXX $ XXXX XXXX {$3500.00}
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : 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 Experian : 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 XXXX