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

I applied Amex Gold card in XX/XX/XXXX, and enrolled the welcome offer XXXX Membership Rewards points after making qualifying purchases of {$4000.00} or more on the Card within the first 6 months of Card Membership. 

On XX/XX/XXXX, the customer service agent confirmed I enrolled the offer. 

Within the first 5 months, total amount of eligible purchase is {$4200.00} ( excluding annual fee, reward credit, and return transactions ). See breakdowns below : * Billing cycle XXXX ( XX/XX/XXXX ) : new charge {$3000.00} ( excluding annual fee ) - Credits {$620.00} = {$2400.00} ; * Billing cycle XXXX ( XX/XX/XXXX ) : new charge - credits = {$520.00} ; * Billing cycle 3 ( XX/XX/XXXX ) : new charge - credits = {$1000.00} ; * Billing cycle 4 ( XX/XX/XXXX ) : new charge - credits = {$160.00} ; * Billing cycle 5 ( XX/XX/XXXX ) : new charge - credits = {$61.00}. 

On XX/XX/XXXX, I contacted the customer service. The agent said I did not get the bonus because transaction amount within the first XXXX months had not exceed {$4000.00}. Qualified Spend Amount showing as {$3500.00}, and while Remaining Spend Amount showing as {$490.00}. As the numbers are not correct, I asked the agent opened an investigation case for me. 

On XX/XX/XXXX, the case is closed without any reason. The agent escalated the case for me and the case number is XXXX. 

On XX/XX/XXXX, XXXX XXXX is closed. The result was that transactions did not total to the spend threshold amount {$4000.00}. Upon my request, the agent reopened the case for me for more details. Case number is XXXX. 

On XX/XX/XXXX, XXXX XXXX is closed. The results was that the account has an approximately of {$3800.00} total spending for the timeframe, and refused to further provide details how they got this number. This number is different than the agent gave me on XX/XX/XXXX. 

I calculated the purchase amount multiple times and am very confident I am qualified for the welcome bonus, since the purchase amount within the first XXXX month has already exceed {$4000.00}, let alone purchases within first XXXX months.
Product: Credit card

Montgomery Ward ( XXXX " Colony Brands '' ) is perpetrating a XXXX XXXX scheme in which they themselves are opening credit accounts without the knowledge and consent of existing customers. 
In XXXX 2023, I attempted to buy a quilt and 2 shams from Montgomery Ward website ( first purchase ever from XXXX. ) I charged the order on my XXXX  card, but the order was repeatedly cancelled by the company. I called and spoke to a rep who said there were fraud issues associated with the card, which was news to me. I was finally able to place the order via their customer service on XXXX XXXX and my XXXX was charged {$79.00} on XXXX XXXX for the XXXX XXXX, which were {$19.00} each. I assumed the remainder would be applied to shipping and the quilt. I received the shams, but the quilt was backordered. When I relayed XXXX XXXX concern about fraud related to my XXXX to the issuing bank, I was advised to replace the card, which I did, a process involving several weeks ( we had just moved and receiving mail had been a prolonged issue. ) The quilt was delivered in early XXXX, 2023. On XXXX XXXX, I received an email from XXXX stating that " payment on my account is due soon '' along with a posted charge of {$69.00} on an XXXX charge account THAT I NEVER APPLIED FOR, NEVER AUTHORIZED, AND NEVER OPENED. I called and spoke at length to a MW rep on XXXX XXXX who said that MW had attempted to charge the now closed VISA account and when the payment was declined, opened a charge account WITHOUT MY KNOWLEDGE OR CONSENT and charged the balance to this account. I have NEVER had an online business ship merchandise prior to confirming payment or informing the customer of a payment problem. MW had my email, phone, and address on file, and the email on XXXX XXXX regarding " my charge account '' was the first time I had been informed of any concerns. Instead, MW FRAUDULENTLY OPENED A CHARGE ACCOUNT WITHOUT MY CONSENT OR KNOWLEDGE. NOW MY CREDIT SCORE WILL NOT ONLY BE NEGATIVELY IMPACTED BY THE FRAUDULENT OPENING OF THIS ACCOUNT, IT WILL BE IMPACTED AGAIN BY ITS CLOSING. During the conversation with the rep on XXXX XXXX, I paid the full amount due of {$69.00} on my legitimate XXXX  card, told the rep to close the MW account, and requested an email or letter confirming the closing and XXXX balance to be sent to me, as well as a letter sent to the XXXX credit reporting agencies stating that the account had been fraudulently opened and was now closed. I opened a complaint with the XXXX  on XXXX XXXX On XXXX XXXX, XXXX responded that they had " attempted '' to contact me via phone and snail mail ( I never received any contact ), so " the amount due was billed to you rather than cancelling the rest of the order. '' NO, it was not " billed. '' It was transferred to a fraudulently-opened credit account, complete with a minimum payment, credit limit, and advice on how to increase my limit, as clearly shown in the attached email. 
XXXX refuses to provide me- and the credit bureaus - any information that could repair/restore my credit that they fraudulently accessed.
Product: Credit reporting or other personal consumer reports

I paid off my full credit card balance of {$6800.00} on XX/XX/2023. After the payment was cleared, I then called XXXX to close my credit card on XX/XX/2023. The XXXX agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, XXXX charged an interest charge of {$25.00} on XX/XX/2023, XXXX business days after my credit card was closed. XXXX never sent me any sort of communication or email stating the new balance was due. Two months went by and XXXX then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of XXXX 's failures. I have reached out to XXXX multiple times and XXXX agents are unwilling to reverse their credit reporting error. My last attempt on communication was to XXXX on XX/XX/2023, XXXX business days ago and XXXX has not responded as they said they would. Please help to look into XXXX 's fraudulent behaviors and help to reverse their credit reporting error.
Product: Mortgage

Back in XX/XX/XXXX we had an assessment completed by XXXX XXXX for an energy efficient home loan thru XXXXXXXX XXXX XXXX XXXX 

When my mortgage servicer received an initial notice of assessment for the program, I was considering they increased my escrow payment by {$3700.00} a month beginning XX/XX/XXXX. 

I contacted my mortgage servicer to find out why the increase in payment. They indicated it was for the window upgrade thru the XXXXXXXX XXXX XXXX XXXX. At that time they completed a new escrow analysis and lowered the payment. My servicer erroneously sent me an overage check in the amount of {$3900.00}, I contacted my servicing company, and they advised me to void the check and they would deposit the funds back to my escrow account. 

I then received a notice that my servicing company was going to pay XXXX XXXX a check for {$13000.00} for my XXXX taxes. My current taxes due for XXXX is {$3800.00}. XXXX XXXX returned the check to my loan servicing company and advised them that they needed to send in a check for the correct amount of {$3800.00}. 

I have since sent my servicing company all cancellation letters of XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX because I am not participating in any program thru the state of Florida. 

Another analysis was completed on XX/XX/XXXX which increased my monthly payment by almost {$900.00} effective XX/XX/XXXX {$6300.00}. I should not have a shortage as I have only had this mortgage since XX/XX/XXXX. 

I have exhausted all avenues in trying to speak to my loan servicer and it is very it is difficult to speak to a human being as the toll-free number is an automated phone call that loops you around and does not allow you to speak to a human that has authority or knowledge to assist me. 

All I am asking is for my mortgage payment to go back to the normal amount prior to all of this nightmare. A reminder that I am not participating in any state funded program of any kind. I can provide you with copies of all escrow analysis I have received since XXXX and also any copies of cancellation letters you XXXX need.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax concerning their inaccurate reporting practices to the Consumer Reporting Agencies. 

My complaint pertains to the following issues : 1. Inaccurate Reporting to Credit Bureaus : XXXX XXXX XXXX has reported a collection account on my credit report, but it does not appear on all three major credit bureaus ( XXXX, Equifax, and XXXX ). Specifically, the account in question is reported to only TWO of the three bureaus, leading to incomplete and inaccurate information on my credit reports. 

2. Impact on Credit Score and Credit History : The lack of reporting to all three bureaus is negatively impacting my credit score and credit history. Accurate and complete reporting is crucial for maintaining a fair and accurate credit profile, and the omission of this information from one of the bureaus is causing undue harm. The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

I have been disputing the following account and it keeps getting validated. 

XXXX XXXX XXXX Account XXXX is in due fact reporting INACCURATE and XXXX has a DUTY to report only ACCURATE information. 

I have attached my mailing receipts/ Exhibits to this Complaint proving the inaccurate reporting. 

USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX It is ILLEGAL to retain or report misleading or unproven information, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally expressed allegation ( s ) here and now. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information. ALL claims, undoubted or not, must be confirmed to be currently and fully true, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and mandated standards, which is currently the FCBA, FCRA, FDCPA, XXXX XXXX COMPLIANCE STANDARDS, and others, letter laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to maintain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be veridical, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

XXXX : XXXX, Beneficiary Without Prejudice
Product: Money transfer, virtual currency, or money service

I was sent a check in the amount of {$14000.00} that was sent to me on behalf of XXXX XXXX Law Firm. On the receipt of the check it says XXXX and the address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX. I been calling all morning and have talked to several rude employees of this bank and I need help getting my issue resolved ASAP.
Product: Debt collection

This is not my account and I don't understand why the Diversified Consultants collection agency keeps adding it to my credit report every 6 months. 

On XX/XX/2018, a false debt of {$480.00} was reported to XXXX  and XXXX. This false debt has an account name of " XXXX XXXX '', with an account number of " XXXX '' and open date of " XX/XX/2018 ''. 

XX/XX/2018, a false account shows a date opened of XX/XX/2018, with an account name of " XXXX '' and an account number of " XXXX ''. XX/XX/2018, I disputed this with XXXX  and XXXX, and the credit bureaus deleted this false information from my credit report. 

In XX/XX/2018, I contacted the Diversified Consultants collection company in regards to this false account. I spoke with a representative who had no information other than my partial first name and my full last name. The representative kept asking for my social security number, my date of birth and my mailing address. I did not give any of this information. I asked the representative to give me some information in regards to this false debt, the representative said they would not give me information until I gave them my social security number, my date of birth and my mailing address. 

I do have a work phone that uses XXXX XXXX XXXX XXXX. I am concerned that this false debt may have picked up my name from that account. I have not received any statements nor information in the mail in regards to this false account.
Product: Credit card

On XX/XX/year> there were four transactions converting reward points to XXXX XXXX XXXX. I did not authorize or request this transaction. Chase representative states the gift cards were emailed to the account holder email. No emails were received from Chase. Inbox, spam folder, trash folder have all been checked. 

Chase representative states we must show documentation that the email account was compromised in order to reinstate the points. The email was not compromised. Email provider was contacted to review the email account. Email provider confirmed there is no evidence of compromise. 

The four transactions converting reward points total XXXX. 

I am requesting the points be reinstated.
Product: Debt collection

DEBT COLLECTORS ARE HARRASSING ME OVER AN ACCOUNT I DONT KNOW HISTORY OF.
Product: Credit reporting or other personal consumer reports

TransUnion states on there website they update information everyday I see that's false they have not updated my XXXX, XXXX, XXXX rent or my credit score this is ridiculous.
Product: Mortgage

I refinanced with '' PRMG '' Paramount Residential Mortgage Group Inc back in XX/XX/2020 and have had several issues with the servicing of the loan .On XX/XX/XXXX we received a letter stating our home owners insurance was expiring. The policy effective date is XXXX to XXXX so I don't see where they came up with the XXXX letter.I have received a letter dated XX/XX/XXXX stating were in default.I have contacted their customer service and collections department to correct the errors.They have acknowledged all 3 payments for XXXX, XXXX, XXXX were on time but not credited correctly.We have not incurred late fees or penalties. I have received a letter from the VA for delinquency.What I find most troubling is their accounting errors may cause a negative impact on my credit report.I have requested written documentation from PRMG stating my account has never been late. The monthly loan statements are also incorrect, they don't reflect correct " paid year to date sums ''. I have brought all these concerns to PRMG to no avail.I contacted the mortgage broker who acquired the loan to inform him of the poor service from this mortgage company. I will contact the VA to inform them of the issues as well.I would steer clear of this mortgage company. They should not be allowed to do VA loans.
Product: Credit reporting or other personal consumer reports

The personal information being reported on my credit report is not 100 % accurate. I only have XXXX name and spelling and XXXX address. My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX XXXX XXXX Any other names or addresses are inaccurate or no longer valid and must be permanently deleted from the credit report. Otherwise I can not be properly identified by banks and other institutions. I have already tried to resolve this issue and it seems that I was not heard. I have attached a copy of my identification for reference.
Product: Credit card

My card and ID home keys were lost and my card was used in a different state I have reported to police and I have opened case also called my bank and faxed my flight information that I wasnt in town also Wells Fargo said I called on the XX/XX/XXXX to report it and thats they say I found out but in the letter they sent it say I didnt report it until mid of XXXX. 
I didnt make the purchase and the transaction are fraud but Wells Fargo closed my account and sent tit collection. I personally tried with merchants but my bank credit card didnt not help
Product: Mortgage

On XX/XX/2023 we initially reached out to the mortgage company to request an off schedule escrow analysis. We had received our county tax bill and it was significantly different than what UWM had been holding back. They ran the analysis and mailed us a refund check of {$6600.00}. Yet they didn't change the amount of escrow they were holding back, they actually raised our monthly payment. We have repeatedly reached out via message, chat, and phone to try to work out the issue and get our payment to the correct amount. They have continually told us they are researching the issue and will get back to us by a certain date. Inevitably the date arrives, we reach out again and they push us off to a later date. It has now been 102 days with no resolution. They are reserving {$8200.00} in our escrow account for taxes, however our annual tax amount is {$3100.00}. Our monthly payment should be reduced by {$410.00} dollars. After all of this communication back and forth we just got a notice that they have sold and will be transferring our mortgage to another servicer on XX/XX/XXXX. This means we'll have to start the process all over with a new company.
Product: Credit reporting or other personal consumer reports

I am here to make another complaint about the same information remaining on my report that I requested to have removed. This is hurting my chances of lawfully obtaining credit on my own merits. My name is being tarnished and I claim this to be defamation of character! The following information is on my reports and I would like ALL of it to be removed. 

Personal Information ( incorrect ) Names : ( outdated ) 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 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 XXXXXXXX, XXXX, Amount {$1400.00}, Acct # XXXX ( Equifax ) Account : XXXX XXXX, Amount {$94.00} XXXX Acct # XXXX ( XXXX ) XXXX Inquiries : 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 XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) Public Record : US DIST CT, Bankruptcy : Discharged CH-7, ( XX/XX/XXXX ) Reference # XXXX, Original Filing Date : XX/XX/XXXX, There's no last Status Date showing. This is in and of itself a privacy violation, defamation of character, and I NEVER gave consent to anyone, any company, or reporting agency/bureau to report ANY negative item on my reports as a living breathing woman. 

XXXX XXXX XXXX : XXXX XXXX CT IL XXXX, Bankruptcy chapter 7-discharged, Filing Date : XX/XX/XXXX, Last Status Date : XX/XX/XXXX, Reference # XXXX - This is in and of itself a privacy violation, defamation of character, and I NEVER gave consent to anyone, any company, or reporting agency/bureau to report ANY negative item on my reports as a living breathing woman. 

XXXX XXXX XXXX : XXXX Bankruptcy XXXX, Chapter 7 bankruptcy discharged, Filing Date : XX/XX/XXXX, Last Status Date : XX/XX/XXXX, Reference # XXXX. This is in and of itself a privacy violation, defamation of character, and I NEVER gave consent to anyone, any company, or reporting agency/bureau to report ANY negative item on my reports as a living breathing woman. 

All of these items are either negatively reporting on my reports without my consent, outdated or incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I obtained my credit reports from all three credit reporting agencies. 
XXXX, TRANSUNION and XXXX, and after looking over my credit reports yet once again I am very concerned about the inaccurate reporting that has been continuing to happen after countless attempts to remedy this situation and have the three CRA 's remove an account from XXXX XXXX XXXX. 

I also received a letter from the data furnisher who is XXXX XXXX which I have attached where their Manager at the XXXX XXXX XXXX clearly states that they did not " look at the account information '' when I had asked numerous times to do so because inaccurate and erroneous reporting was being made on my reports. After writing letters of validation to XXXX XXXX and the CRA 's each time they have said that the account was " verified '' when in fact it was not. As you will see on my recent credit reports that I have attached for the CFPB, you will notice that the account : dates are wrong the balance is incorrect the payment history shows on time payments in the year of XXXX which is false because the account was closed in XXXX and various illegal reporting 's of inaccurate information that has been going on for way too long. 

XXXX states in that letter that they did " NOT '' look at the account information, and that its " unfortunate '' whatever the CRA 's put on my credit report. 

According to 15 USC 1681, the data furnisher being XXXX XXXX  as well as XXXX, XXXX, AND TRANSUNIONS is illegally reporting wrong information which has cause emotional distress, financial insecurity and hardships directly correlated to this account.
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. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. The account has been paid in full. XXXX and XXXX shows the account being deleted. 

I looked at my Transunion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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. 

15 U.S.C. 1681B ( 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

I have a hard inquiry by a syncb/XXXX that I never authorized from XX/XX/2018. I found out through XXXX XXXX