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

I signed up for a delta platinum credit card with a XXXX bonus skymiles offer. The terms of the offer were that I had to spend {$3000.00} in three months, pay a {$190.00} annual fee, and receive these miles. I spend {$3000.00}, some through merchants, and a portion by purchasing American Express Serve card loads. After completing the spending, I called customer service, and they told me the money was spent and I was set to receive the bonus miles on the next statement. I never received the points. I called customer service, was transferred around for hours with no resolution. They told me they would open a claim into these missing miles. I never heard back from American Express, so I called them six months later. They told me I was ineligible to receive these miles, since somewhere buried in the terms and conditions was a provision that spending money through serve was not counted as spending. My issues are 1 ) in the beginning, the agent told me I had met my requirements. Had she mentioned that the spending through serve did n't count, I would have found another way of meeting the spending. 2 ) When I called to ask why I did n't receive the points, I was still within the three month period. Had I been given a direct answer right away, I could have spent money in another fashion to meet the deadline. 3 ) They promised to get back to me and never did. 4 ) When I spoke to American Express 6 months later, they informed me why I was ineligible to receive the bonus. When I explained my grievances, they were cold and refused to honor my request or even give me some form of compensation. They even refused to refund my {$190.00} annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several disputes for accuracy verification regarding the reported account XXXX XXXX # XXXX with the CRA, Equifax with the most recent on XX/XX/2020, resulting in a response from Equifax, this creditor has verified that the date is being reported correctly. Equifax does not say what date is being reported correctly, nor do they respond to the specific items that were outlined in my dispute on XX/XX/2020. 

The CRA, Equifax knows, the information in my file must be complete and accurate, and verifiable, otherwise it must be deleted. This is made clear in FCRA Sect 611. I asked Equifax to remove this tradeline because they were repeatedly reporting unverifiable information. As of XX/XX/2020, this account ( XXXX XXXX ) is missing the date of last activity, credit limit, high credit amount, charge off amount, and date of major delinquency. All of this information is required for accurate reporting. 

I am in the planning process of applying for a mortgage and have rights under the Fair Credit And Reporting Act that Equifax is violating. 

Equifax response to my dispute regarding missing information with respect to XXXX XXXX ( aka XXXX ) is that this creditor has verified that the date is being reported correctly. This is a direct response form Equifax. ( see attached ). They have completely ignored all of my disputes regarding this matter and, instead, have merely updated my report with a random reply unrelated to my original dispute. 

It appears that their response is a result of not providing me with proper investigation processes as required by Federal Law or a blatant fabrication. Instead of deleting the account, as required as the necessary remedy, at this point, they have instead, kept the account on my file with incomplete information.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed two unauthorized accounts on my XXXX credit report, which I had to pay to access. I checked my report because I was denied a personal loan from XXXXXXXX XXXX, and my XXXX credit score was significantly lower than other bureaus. Upon reviewing the report, I found I was listed as an authorized user on a Citi Bank credit card I do not recognize. This card was maxed out and in poor standing. 

I immediately contacted XXXX customer support to address the issue and formally disputed the account, requesting removal as an authorized user. I have no knowledge of this account or its owner. Additionally, it appears that this same card is duplicated on my report. 

On XX/XX/year>, after receiving a response from Citi Bank regarding my dispute, I called Citi directly. They confirmed they have no record of me in their system and, therefore, can not remove me as an authorized user. I then contacted XXXX again, as my dispute was marked " Closed, '' yet the accounts remained. XXXX was unhelpful and insisted that I needed to have Citi remove medespite Citi stating they have no record of me and can not assist. 

XXXX refuses to explain how they obtained this erroneous information and why it remains on my report despite clear evidence that my Social Security number has never been associated with these accounts. This misinformation directly impacted my creditworthiness, as my loan denial explicitly cited my XXXX report, including the negative account. I believe this is a serious violation, and XXXX failure to correct this issuedespite my formal dispute and supporting informationis unacceptable. Additionally, I am paying for XXXX credit monitoring service to track my dispute, yet they have provided no meaningful assistance in resolving the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months or it could be years my credit report has not changed and I have been doing what I need to do to fix my credit. Things that Ive paid off is still on my account and my credit builder debit card with XXXX has started with {$0.00} balance some way some how your company had added {$900.00} on my account and I called the card company and they said they have no idea where it came from. My score has not changed because nothing has not changed on youll part. So I want to know how will this be fixed because soon Im trying to make some amazing moves and this situation is holding me up.
Product: Debt collection

In XXXX, I tried to purchase a house. When I pulled a credit report, I noticed I had a collection from the Credit Bureau of FWB that plummeted my credit. The {$1000.00} collection was from a hospital bill that should have been covered by insurance. 

On Monday, XX/XX/XXXX, I went to XXXX XXXX XXXX ( XXXX ) in XXXX, Alabama for a XXXX  XXXX. After the co-pay, most of the medical costs for that same day were covered by XXXX XXXX of Alabama. However, there was a third party doctor group ( XXXX XXXX XXXX XXXX ) that did not submit the bill to my insurance, and therefore went into collection. Less than two years later, I contacted the collection agency and XXXX XXXX XXXX Alabama numerous times over several months. There were a couple of times when I would get both the collection agency and XXXX on the phone together. XXXX  of Alabama agreed that the bill should have been covered by my insurance. The issue is that XXXX XXXX XXXX XXXX no longer existed and were not able to re-file the medical bill with XXXX of Alabama. Because the two year window to file the bill on my insurance was closing, XXXX agreed to cover the costs. However, two years later ( XXXX of XXXX ) the costs were never covered by my insurance ( XXXX ). Both XXXX  and the Collection Bureau of FWB both  have phone records of these conversations. Some occurred between them and my mother, XXXX XXXX and between me and them. I have had insurance my entire life without a lapse and find it incredibly discouraging that XXXX XXXX XXXX XXXX is going to cost me {$1000.00} and ruin my credit.
Product: Credit reporting, credit repair services, 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, NJ XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$8100.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$540.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; 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

I recently checked my credit reports with XXXX, XXXX, and Equifax after being a victim of identity theft and found erroneous and inaccurate information on my credit report. The FEDERAL Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. These reports are not accurate, fair, nor is my privacy being upheld. There are multiple names listed on XXXX and an inaccurate spelling listed on the XXXX credit report. There should only be one spelling of my name, XXXX XXXX, all other spellings are inaccurate and must be deleted. There should only be one address on my credit report, which is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ; all other addresses are erroneous and must be deleted There should not be any employers listed on my credit reports all employers must be deleted. There is an account listed on XXXX, XXXX, and Equifax report as XXXX  XXXX, acct. # XXXX, the date of last activity is not the same on each report, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and Equifax XXXX XX/XX/XXXX, these are inaccuracies and must be deleted immediately. There is an account listed on XXXX, XXXX, and Equifax as XXXX XXXX XXXX # XXXX, the date of last activity is different on each report, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and Equifax XXXX XX/XX/XXXX, these are erroneous and must be deleted immediately. There is an Inquiry from XXXX XXXX XXXXXXXX XX/XX/XXXX that appears on XXXX that I did not authorize. There is an Inquiry from FACTUAL DATA XX/XX/XXXX that appears on XXXX and XXXX that I did not authorize. There was no permissible purpose and these inquiries must be deleted immediately.
Product: Checking or savings account

My Account was closed but my direct deposit was deposited in to the closed account XX/XX/XXXX they said that they mailed out a balance refund check for my direct deposit on XX/XX/XXXX, but I never received it in the mail as of XX/XX/XXXX, so now they told me that they reversed the check back in to my closed account I'm being told that a supervisor is working on depositing it to my active account, so they are refusing to give me my XXXX XXXX XXXX refund, I'm contacting a lawyer about NetSpend withholding my direct deposit money
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 u.S. Code 1692e- False or misleading Representations XXXX Account number # XXXX Update to closed and paid as agreed 2. 15 u.S. Code 1692e- False or misleading Representations XXXX XXXX XXXX Account number # XXXX Please Remove from Credit report 3. 15 u.S. Code 1692e- False or misleading Representations XXXX XXXX XXXX Account number # XXXX Update to closed and paid as agreed 4. there is some inaccurate information reporting XXXXXXXX XXXX XXXX XXXX Account number # XXXX Please Remove from Credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Account Reporting Inaccuracies Dear Sir/Madam, I am writing to formally dispute the information reported on my credit report concerning the following account : Account Name : XXXX XXXX XXXX XXXX Number : XXXX Reason for Dispute : The information reported on this account is incomplete, inaccurate, and possibly fraudulent. I believe the entry does not comply with the requirements of the Fair Credit Reporting Act ( FCRA ). Specifically, the details associated with this account do not reflect the correct or verified information, and I suspect this account may have been reported in error or is a result of fraudulent activity. 
As such, I am requesting that you investigate and remove this account from my credit report due to the inaccuracies and potential fraud involved. Please notify me in writing once this dispute has been resolved, and the necessary corrections or deletions have been made. 
I have also attached any supporting documentation that may assist in the investigation of this dispute. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, [ XXXX XXXX XXXX ] [ XXXX ] [ XX/XX/XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under the open end consumer credit plan as late for any purpose.
Product: Debt collection

I was a XXXX at XXXX, I signed up for a class, then dropped the class in favor of taking it at XXXX. They never processed my drop, it said drop pending ( hold ). It apparently would n't let the professor kick me out either. I never attended the class. A year later i get a bill from XXXX. I turned in forms at XXXX showing the fact it said drop pending and that i took thaf class that semester at XXXX college. They told me the situation would be handled, closes my account and wrote it off. 3 years later I find a collection on my credit report. Even though this was supposed to be settled I paid the XXXX. Then after I pay it they tack on XXXX in fees. This should of never been billed to me and should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   Transunion   XXXX  continues to report inaccurate negative items on my report that I have previously dispu ted 6 ti me.They continuos to report account with no account number. Inaccurate information that is hurting my credit.
Product: Debt collection

I was told that they were soon to have4-G in my area and the phones and internet would not work where I live and they would not. I did n't owe for service and I paid one half of the charges to cancel and they said that would be accepted as settled. Then they put the other half in collections. This was a XXXX XXXX XXXX account. VERY UNFAIR! The collection is under Eos Cca fromXX/XX/2012 for {$210.00}. Ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays is still reporting a closed account to XXXX. This account was never delinquent. This account does not appear on the other 2 credit bureaus ( XXXX or XXXX ).
Product: Credit reporting or other personal consumer reports

These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX XXXX 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Student loan

I was told by my college XXXX XXXX XXXX   that I did not have any government money left to use to pay my tuition and fees and therefore I would need to take out private loans in order to pay. The financial aid department at XXXX certified my loans for amounts exceeding the cost of tuition and then kept the extra money. I later found out after leaving this school that I did have federal funds available to pay for tuition. As a result I now have several large private student loans with Sallie Mae. Now Navient the collections branch of Sallie Mae is constantly harassing me and my co-signer for extremely high monthly payments that I am not able to make because they exceed my monthly income and my co-signer can not make because they are XXXX ill and currently in the hospital. I have spoke with different agents in the past, most recently in XX/XX/2018 regarding options to lower my payment amounts to feasible amounts. I have offered to provide my pay stubs, monthly bills, and statements from credit card companies to show how these large payments would create undue hardship for me. They have never requested any document from me to prove my undue hardship. The agent I spoke with only asked me questions about certain expenses over the phone. Navient only offers me a forbearance option of paying {$150.00} which doesn't lower my monthly payments it only makes the account current and thus makes no difference. The last time I spoke to an agent regarding lowering my monthly payment amounts I suggested an amount that was reasonable for me. I was told it wasn't going to happen and was mocked for not being able to make the suggested monthly amount Navient wanted. Currently I only send Navient what ever money I am able to come up with when I can. I have told them repeatedly that I can not make these large payments and that I can only pay what I can afford, but the call repeatedly everyday.
Product: Checking or savings account

On XX/XX/2023, I called Chase Bank to report an unauthorized transaction on my checking account which was listed as a {$400.00} withdrawal dated XX/XX/2023. I did not make that withdrawal and did not loose my debit card. Chase provided a temporary credit for {$400.00} and opened a claim. 

On XX/XX/2023, Chase reversed that claim which left me {$400.00} out of pocket. I did not receive written notice of the reversal nor did not receive any explanation from Chase. 

On XX/XX/2023, I called Chase to follow up and was informed that they could not be of further help. Chase did not provide any evidence that the transaction was authorized. 

I have filed a police report with XXXX and am now writing to seek the CFPBs assistance to obtain reimbursement for this fraudulent transaction which was committed while I was in continued possession of my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THESE ACCOUNTS WITH THE BUREAU AND THEY REFUSE TO REMOVE IT FORM MY FILE AND THEY REFUSE TO PROVIDE ME WITH DOCUMENTATION THAT THIS IS MY ACCOUNT. i HAVE BEEN BACK AND FORTH WITH LETTERS TO THE BUREAU AND TO THE COMPANY AND THEY REFUSE TO CORPORATE WITHIN THE LEGAL RIGHT UNDER THE FCRA LAWS. THEY HAVE TO PROVIDE ME WITH DOCUMENTATION WITH MY SIGNATURE ON IT AND THEY HAVEN'T SO I WANT IT DELETED OFF MY CREDIT PROFILE IMMEDIATELY. I HAVE DISPUTED WITH THESE ACCOUNTS XXXX XXXX XXXX {$850.00} AND XXXX XXXX XXXX XXXX {$800.00} WITH NO LUCK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XX/XX/2022, I requested a wet signature signed contract that I owe XXXX XXXX XXXX, NTL RECOVERY AGENCY., XXXX XXXX XXXX XXXX They have also placed a late payment on the account and the accounts are closed. If the company XXXX send a copy of the original contract with my signed signature! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA you CAN NOT please a late payment on a closed account!
Product: Credit card or prepaid card

I purchased a couch in XXXX from XXXX XXXX XXXX using their credit card. The couch consisted of three different sections. Two sections were delivered in XXXX and the other section was delivered in XXXX. The original agreement was for 18 months no interest if paid in full by the end of the term. I set up recurring payments from XX/XX/XXXX to the present day. I've done this multiple times in the past with other furniture from the same company ( XXXX XXXX XXXX ) and have always paid the full balance at the end of the term. The first term for this purchase ended on XX/XX/XXXX, and the next term ends in XXXX for the other section delivered later as described above. I paid the amount in full for both the XXXX and XXXX terms on XX/XX/XXXX which totaled : ( {$1900.00} ). Unfortunately only the minimum recurring payment of {$67.00} was applied in XXXX. I'm not sure why the entire amount didn't go through. I noticed this discrepancy on XX/XX/XXXX and called the company immediately to discuss the situation and resolve the balance due. I paid the full amount remaining on the original purchase of ( {$1800.00} ) while on the phone with the representative to ensure the final payment did go through. I'm am now being charged ( {$980.00} ) in accrued interest. I called to see if they were able to waive this accrued interest fee since I did attempt to make the payment on time in XXXX and did make the final payment in full within threXXXX weeks of the original due date. I was advised to file a dispute for the interest being charged. I'm being told there will be a waiting period of up to 90 days before I hear a decision. I've been a loyal customer for many years and have always paid my bills on time with this company. I'm very upset that they are not willing to work with me and have me sweat out the two billing cycles to see what comes from this dispute which I'm sure will ensure additional interest and late fees. They did tell me that they would have waived the accrued interest fee if I called within two weeks after the due date, but since I was a week late, there was nothing they could do to help. Any help is appreciated. Thank you.
Product: Mortgage

New Rez mortgage company phone number : XXXX Trying remove pmi. I have been denied multiple times. Mistakenly reviewed my loan as an fha loan while my loan is actually a conventional loan. Took my bpo appraisal fee and put it into escrow. Have been denied for pmi removal because I am getting refused an appriasal. There is not eta on any correction. I have left a formal complaint. 

Called in : XX/XX/XXXX for pmi removal XXXX paid XXXX for pmi removal valuation XX/XX/XXXX took my XXXX  money and placed in escrow. Refused pmi removal appriasal and I left a formal complaint XX/XX/XXXX still no progress. Seems to be unorganized and lacking any intention solve problem.