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

Delta Reserve Card had a sign up bonus offer of : XXXX Delta Skymiles + XXXX Delta MQM ( Medallion Qualification Miles ). I previously owned the Delta Platinum card, and I wanted the Delta Reserve one, which is a tier above the Platinum one. I called and was told that I could just UPGRADE my existing card to the Reserve, and that I would still get the sign in bonus, so I did the upgrade. The next time I called, I was told I WOULD NOT get the bonus since I had upgraded instead of signed up for a new one. I was obviously very frustrated by that and asked how that could be fixed, and AMEX told me they could just UNDO the upgrade and then I could just sign up for a new Delta Reserve card, and that I would get the full sign up bonus. So that is what I did, once more trusting what AMEX personnel were telling me. After I hit the minimum spend to receive the sign up bonus, I noticed I did not receive any bonus at all, so I called AMEX again, only to be told that I would NOT receive any bonus whatsoever, SINCE I HAD ALREADY OWNED A DELTA RESERVE CARD PREVIOUSLY (??? ). I created an incident ticket with them and they investigated it and listened to all my previous support phone calls again. They then came back to me and said they were awarding me the SkyMiles, but that they " had no way of awarding me the XXXX Delta MQM Miles ''. 
I called Delta, and they contacted their AMEX liaison, and double checked that YES, AMEX COULD award me those XXXX Delta MQM miles. Side note : if you try to buy XXXX MQM miles from Delta 's web page, those are worth {$3000.00} USD. This is why this is a VERY important part of the bonus for me. 
With that data in hand, I called AMEX again and createad a new incident ticket, was asked to wait up to 4 weeks. 
Waited, called again, asked to wait 2 more weeks again. Please not that every time I called them I had to explain this whole story again and waste at least 40 minutes of my time per call. 
Called again XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX they promised me they would call me back in 5 business days, which they did not. At this point I was 100 % sure they were just stalling and trying to win by making me tired of this whole process, so I had to appeal to you guys.
Product: Money transfer, virtual currency, or money service

Robinhood has been holding the amount of XXXX since XX/XX/2022 and will not allow me to release the remaining funds to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recall this account and it's reporting XX/XX/XXXX XXXX XXXX # XXXX in accurate information. On Experian report " Legally Paid '' with inaccurate history ;XX/XX/XXXX reporting Charge-off with Paid On-Time for all 2020 ; XX/XX/XXXX has No Payment History ... 

Please remove this account Fair Credit Act 611 this information and inaccurate. Please see attachements.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an apartment on my credit that did not belong to me. No one has contacted me from the company to notify me of the debt to dispute that it was me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX,2021. I sent dispute letters via certified mail. To all three consumer reporting agency 's. Demanding the child support account be removed due to the fact I did not give the reporting agency 's written consent to furnish such information. 15 USC 1681b Permissible purpose of consumer reports. 
In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
If the reporting agencies have written consent from me regarding this account please provide the evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report shows that I have good score and excellent payment history, However I always got denied for credit cards when the creditor runs my credit report, I have some credit cards with some banks I had them for 2 years and my payment history is great however my credit score doesnt grow even I have been using my credit cards responsibly and paying on time and never been late at the last 2 years, My transunion credit report doesnt show my payment history Also I have accounts went for collection that I have paid it already and still shows as I owe them money, such as XXXX XXXX, XXXX XXXX  XXXX XXXX credit card I need your help as I need to know what is going on my credit report when I check my credit score it shows that I have a score of XXXX Which a good score however the collection still shows on my reports despite I have paid already.
Product: Debt collection

XX/XX/2020 I contacted the credit collector that sent me a collection notice in reference to a cancelled automobile insurance policy to advise them that I can afford to schedule {$1.00} a month payments until Im able to pay the balance in full and the phone agent refused to schedule in their system to reflect that Im not avoiding them. 
She also refused to mail out an office right to dispute that reflects what minimum payment they would accept and stated she would accept 3 separate payments to pay the balance in full. ( I AM NOT A SERVICE MEMBER OR THE SPOUSE OF A OR ANY SERVICE MEMBER the boxes wont uncheck )
Product: Payday loan, title loan, or personal loan

XX/XX/2020, spoke first with XXXX then several other employees with this in mind I was a prior customer and had a few questions about this debt cancelation insurance??. And why my past contact was for 12 months then as the new one I was almost ready to sign notice 14 months?? When asked the store was really almost believable but this time as wasn't desperate for the loan being Covid-19 and the hardships every American has trying to scam one isn't going to be taken lightly ... .I have fully covered auto insurance they still added that extra debt cancelation fees cost of even making payments is needed attention by every one ...
Product: Debt collection

Company furnished an unauthorized account without my permission. Violating my Consumer privacy rights.
Product: Credit card or prepaid card

On XX/XX/2019 I file a transaction dispute on my CA XXXX XXXX   card for {$180.00} that is not mine. This transaction was on XX/XX/2019 via pin. The card was with me at all times. The area where the transaction happened is out of my county. I just learned today that my dispute was denied and closed.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I knew I was getting a transfer of my job and I asked for refinance options or a forbearance. I has issues with them following back up with me and then I didn't receive any call back. I was then told I had to upload my documentation but I could not, the website would not let me. Then I sent the documentation to the email address with no call back. Then I called into the mortgage again and was advised they would accept my email requesting the information. Then I was denied an adjustment in my mortgage or any help. I feel like they personally are trying to make me go into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 2 accounts with the Department of Education just re-appeared on my credit report after previously being removed. These 2 accounts are time-barred from credit reporting due to their age. The Date of First Derogatory ( DOFD ) that led to default was more than 7 years ago. I have not voluntarily made a payment on these two accounts in over 7 years. The Department of Education has illegally re-aged these 2 accounts and they need to be removed from my credit reports at XXXX, Equifax and XXXX.
Product: Vehicle loan or lease

I received many letters after the deadline to be able to do a settlement payoff every letter they sent to my address was expired. I never got a chance to settle any agreements to pay off because they were all at my address late
Product: Credit reporting or other personal consumer reports

i have pulled my credit because i am in the process of buying new home and i have reports on my account that are inaccurate. I am not liable for this debt of {$2900.00} with XXXX XXXX XXXX XXXX, Account number XXXX. i do not have a contract with XXXX XXXX XXXX XXXX. i am also not liable for the debt of {$8600.00} with WESTLAKE PORTFOLIO MGMT, Account number XXXX, i do not have a contract with this company. i am not liable for the debt of {$490.00} with XXXX XXXX, Account number XXXX, i also do not have a contract with this company. i am not liable for the collection account XXXX XXXX XXXXXXXX XXXX, account number XXXX a debt of {$470.00}, i have never had an account with this company. Per pursuant to 18 usc 8, i owe no debt, these company 's are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company also has no permission to report anything using my info pursuant to 15 usc 1681 4.According to these consumer laws there should not be any damages to my report. These company 's have not provided me with the description of the procedure used to determine false accuracy, they have also not provided me with the original contact as i requested with my wet signature and ID verification.
Product: Debt collection

In XX/XX/year>, I requested debt validation from West Creek Financial ( XXXX  ) under my rights outlined in the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested : Proof of their legal authority to collect the debt. 
An itemized breakdown of the balance ( {$1000.00} original, {$1000.00} outstanding ). 
A copy of the signed agreement obligating me to repay the debt. 
The company responded but failed to provide the requested information in full. They did not include documentation proving ownership of the debt, a detailed breakdown of the balance, or a signed agreement. Without these items, the debt remains unvalidated, and I do not acknowledge its validity. 

I believe the company is attempting to collect a debt without providing sufficient proof of their right to do so, which violates FDCPA requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

MY COMPLAINT IS WITH XXXX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKEXX/XX/XXXXTO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is showing and Inquiry on my credit profile and I didnt apply for any card. XXXX on XX/XX/XXXX and XX/XX/XXXX and XXXX on XX/XX/XXXX my phone may have been hacked or my PC. Im honestly not sure at this point.
Product: Checking or savings account

I am inquiring about the recent Wells Fargo mishaps and the over XXXX XXXX dollar lawsuit. I personally have had Wells Fargo as my bank for over 15yrs, and within the last couple months have had so many issues with my account. At times my account was over drawn, when it should not have been. Each incident this happened, I would contact the branch or Wells Fargo customer service to make mention of this error. Nothing was ever really fixed when I called, always given the generic run around. I personally had to pay these fees each time from my direct deposit checking account. I feel that due compensation for those errors are in line, especially after seeing reports of the mishandling of customer accounts with Wells Fargo. Please advise further how I can place my claim to have this situation rectified. Thank you Kindly!
Product: Student loan

As co-signer of a school loan with XXXX XXXX with the understanding that I did not want the responsibility of co-ownership of the loan. The rep at the time and I agreed that I would write a statement on the signature page on not sign on the dotted line. As long as my son was paying the loans there were no problems but when he got caught up in financial problems, they came after me. Though I am now paying the loan to XXXX, my request for " Proof of Signature '' is repeatedly answered with a computerized signature. I ask for assistance in obtaining the original signature page which may or may not allow me to clear my name and my credit. 

Additionally, I contacted XXXX XXXX five years ago, about a different loan I co-sign and they said they did n't have anything for me but for my son. Six months ago I started receiving threat from their collection agency and when I had my son call, he was told that I had to pay off a complete loan ( of which there were XXXX, but only XXXX with my signature or permission ). I know it is standard practice to go after the " co '' if the payments are not made or stop but these things are insinuated on me without verification. I have tried everything to get my son to pay his loans and I do not know what my right are with the situations or the loan companies. I just want proof of signature ( not computerized ) from XXXX XXXX and because I did co-sign for the XXXX ( just XXXX not XXXX ), I need to know where to start. Now there is another, ( not sure who, please see attached ) they are requesting I pay XXXX at XXXX time when I was n't aware that there was an issue. My son has not lived with me for a couple of years and the first time they contacted me was to ask for payment is full. I am willing but I have to know where to begin and the collection people do not want to talk it out, they want money. 

Any direction or assistance in obtaining the information I request as proof of my obligation/non-obligation will be greatly appreciated.
Product: Debt collection

Credit Control Corp claims that they sent their standard validation package to me, which I never received, and yet they claim by their standards, that since there was no returned to sender that I received their validation package. They have no proof I did. If they wanted proof, I received their letters, and validation info then the letters would been sent certified mail. Which I sent to them on several occasions, therefore I knew that they received the packages I sent to them. They are in violation of FDCPA by NOT providing me validation information within 30 days, and proof that I received it. Further more they are in violation of the FDCPA by reporting a past due balance to the credit bureaus on a collection account and compounding the violations every time they verify the account as accurate! I am attaching my disputes submitted to Credit Control Corp, yet I do not have their responses since I did not receive any.
Product: Payday loan, title loan, or personal loan

I applied XX/XX/XXXX approved by their lender benworth then on my funding day they said they tried funding me which they didnt I called my bank they said I dont have any pending or incoming deposits I checked my account multiple accounts no sign of deposits or rejections I emailed about 8 representatives they Dont respond and some gives a automatic message to submit ticket which i did about 20 times no response! this is so unprofessional
Product: Debt collection

This was a business account under XXXX XXXX XXXX, and they attached the debt to my personal social security number. This has been presented to the company in question via phone conversations in XX/XX/2024, and again in XXXX of XXXX. This is affecting my life and making it hard to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX XXXX XXXX is still reporting on XXXX and TransUnion. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations. Ive filed an IRS Form 3949-A which I will be attaching. 

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. XXXX and TransUnion is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report.
Product: Vehicle loan or lease

Well the salesman couldn't get us approved through the banks they use, and finally they found one Consumer Portfolio Services, and the salesman pressured us into the loan acceptance by telling us the same thing he said about the truck that it was a one time deal and will be off the table at the end of the day. So we said yes since we couldn't get approved anywhere else and he was trying to force my wife to open up a credit card account at some institution we have never heard of, she refused that. Now the loan itself is unconscionable and is way more than the car is worth, I had a friend look at the loan and she saw online the exact same model year truck and they are not worth in XXXX with XXXX to XXXX miles already on it and it being a XXXX model is worth only XXXX, our loan boasts that the most base model is worth $ XXXX and it has mechanical damage undisclosed to us the days before and the day of pick up, it soon failed on XXXX it was picked up on XXXX. The loans was and is way to much for a vehicle that doesn't and had internal engine problems before they sold it to us. I want out of the loan. And why am I not allowed to even have a copy of the entire loan agreement. All I was given was this single sheet. And why is it that you guys made it impossible to be able to pay off a vehicle that's not worth $ XXXX they are going for well under $ XXXX. Then the salesman had to by law inform your company if the condition of the vehicle in which your company went along with the fraudulent misleading and deceptive sale of a vehicle that has been in some type of incident, seeing that the hood and right quarter panel don't match up!
Product: Debt collection

Subject : Discrepancy in Credit Report Regarding CareCredit Billing I am writing to bring to your attention an ongoing issue regarding a charge on my credit report related to a CareCredit transaction. Despite the fact that this charge was covered by my insurance provider, it remains present on my credit report, which is causing me considerable concern and inconvenience. 

Efforts to address this matter have been made, including reaching out to the urgent care facility associated with the charge ( XXXX XXXX ). Upon contacting them, I was assured that the discrepancy would be promptly rectified. Subsequently, I received a call from the billing department of the urgent care facility, affirming that settling a {$35.00} co-payment would suffice to remove the erroneous {$1200.00} charge from my credit report. 

In good faith, I promptly settled the {$35.00} co-payment as instructed. However, to my dismay, the charge persists on my credit report despite the resolution supposedly being enacted. This persistence has left me perplexed and frustrated, as the reasons for its continuation remain unclear to me. 

I kindly request your immediate attention and assistance in resolving this matter comprehensively. It is imperative that the inaccurate charge be expeditiously removed from my credit report to ensure the integrity and accuracy of my financial records. 

Your prompt attention to this issue would be greatly appreciated. Please do not hesitate to contact me should you require any further information or clarification regarding this matter. 

Thank you for your understanding and cooperation in addressing this discrepancy.
Product: Checking or savings account

My account at the close of business day had XXXX cents according to my account statement. I have screenshots of the account before and after the settlements posted. Chime steals money by holding settlements after they have already been deducted from your account and then they deduct them again. I have contacted there customer service presented my evidence and they still will not update my account balance. Very frustrated. Don't know if you can help me get my money back this is just one particular time that I caught them I'd like for the whole account to be reviewed. The dates in question are XX/XX/XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commonwealth financial systems are reporting to my credit report negative and incorrect information that is affecting my ability to improve my life and receive a fair interest rate on a car loan.
Product: Debt collection

I contacted them on XX/XX/year>XXXX  asking for proof of debt owed which I was never sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out 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 Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00}