23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received an email from numerous XXXX supporters asking for money. I clicked on the link and it brought me to a website where I could donate. They had preset amounts I could donate, I.e., {$25.00}, {$30.00}, 40, etc., up to {$100.00}, which I didnt have, so I clicked on the other box and typed in {$1.00}. After I put my cc info in and clicked submit, I received a notification from my bank stating that I had a negative balance. I realized that the website I was on charged me {$100.00} instead of {$1.00}. I immediately contacted the bank and told the lady what happened and she/the bank reversed {$99.00} of the {$100.00}. 3 weeks later the bank reverses the {$99.00} and takes it out of my account stating I need proof that I only wanted to donate {$1.00}. The only proof I have is me calling immediately after the bank took out the {$100.00}. Who in the world would donate {$100.00} if they didnt have it? And why in the world would I call and complain about it? I did not have the money to donate that amount of money that brought me below what I had in my account.
Product: Credit reporting or other personal consumer reports

Hello, My personal information has been compromised in several data breaches. Ive attempted to correct the inconsistent data on my credit report several times to no avail on record for the past 4 years. The inaccurate information will get deleted, then similar incomplete information gets inserted back on to my credit report. These unknown accounts do not have complete or accurate information, nor will the furnishers provide detail or elaborate of their investigative sources for information. Which is a violation to my right and their failure to disclose. Ive been informed to contact the 3 main credit bureaus XXXX, XXXX or Experian that all information has been verified. Its a repetitive circle with no relief which is not what is disclosed of in 15-USC-1681. I have been negatively impacted by this and it has severely impacted my credit worthiness, character and ability to pursuit of contractual obligations, lack of full disclosure and my individual rights to privacy. I am requesting the findings in full disclosure and deletion of all derogatory and defaming information until I have had time to review, contact and respond to these furnishers for accuracy. Please help.
Product: Credit reporting or other personal consumer reports

Clarity Services continues to report old information and I dont know how to remove it there report has been the cause of multiple credit application denials. This wrong and against the law and a violation of my rights.
Product: Checking or savings account

Chyme is an unethical company. Ive tried many times reaching out to have my name change on my car for the past two weeks nothings been done. They said they change my name but Chyme is an unethical company. Ive tried many times reaching out to have my name change on my car for the past two weeks nothings been done. They said they change my name but the name on my account is still wrong. They sent me out a card the card name is still wrong. Its been nothing but a hassle and a headache dealing with these people. They cant route to resolve a simple issue. I cant receive or pay any bills because the name on my card is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX DEPT OF SOCIAL SERVICE SHOULD NOT BE REPORTING ON MY CREDIT REPORT UNDER 15 U.S. CODE 1681e ( b ) and 15 U.S code 168 1 ( 5 ) this account in violation not reporting 100 accurate it list the child support court as the furnisher thats forgery and misleading when the courts don't report this type of account XXXX XXXX XXXX XXXX should not be listed on my credit report I've never did any business with that company i did not authorize this account
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX to XXXX I saw a lot of pre approval from credit karma telling me I have a excellent chance of getting approved for the XXXX XXXXXXXX XXXX card so I applied and got denied. I was marketed for months from credit karma I felt very deceived. THIS WAS A LIE. I was noxious for weeks I had migraines and I became very anti social. My XXXX  has went from XXXX XXXX. I have not checked my credit report as frequently as I should. I have been denied also for XXXX and also for personal loans. SO I felt betrayed by credit karma. This company has destroyed my credit and I feel victimized by this company.
Product: Credit card

I keep receiving statements and credit card account emails from Synchrony that do not belong to me. I have tried to resolve this by phone and have been unsuccessful.

I am unable to email them directly as the email addresses they are coming from are not monitored. However, they did say to contact them by sending correspondence by mail to the physical address provided in the fine print of the email.

I sent them a request to remove my email from their database, along with physical copies of the emails being received to the mailing address. I have sent these to them about 3 different times with no results and continue to receive statement alerts and payment info. even though I have blocked them. 

The person named XXXX XXXX XXXX in XXXX XXXX XXXX MT, opened these credit card accounts using my email, either on purpose or by accident. This is concerning as I can see some of their personal info., such as address, part of the credit card info.
Product: Credit card or prepaid card

Closed my account For no reason, Im not even know.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding items on my credit report and to formally dispute this fraudulent information. Despite my diligent efforts to provide valid documentation, such as the required FTC report, it seems my message is not being properly received by your bureau. Let me be clear : I am personally initiating these disputes under my name. 

The items in question are unfamiliar to me, and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. 

Enclosed are the items that are unfamiliar to me : XXXX XXXX XXXX XXXX.
Product: Mortgage

The XXXX ( XXXX ) is currently assisting the above referenced clients to review a legal matter. Please accept this letter of representation regarding our mutual clients XXXX and XXXX XXXX. 

We are writing this letter in an attempt to resolve a Lender Placed insurance issue that caused my client to become delinquent through no fault of their own. My clients continuously maintained adequate insurance coverage on the above referenced loan, and provided proof of insurance as required on multiple occasions. Despite having had continuous coverage, and providing that proof of insurance, the lender purchased lender placed insurance for my client property. 

Both loan payments were increased to collect for the lender placed premium. This error caused later fee, negative credit reporting, and a mortgage delinquency. 

In order for a thorough review to be completed we request that your office intervene and have the lender provide these documents. We have requested a copy of all lender placed notices, payment history, and escrow analysis for my client loan. The following documents are requested : A copy of all Lender Placed Insurance Policies and Lender Notices issued on both loans. 
A complete payment history for both loans. 
A copy of all system notes related to both loans. 
A copy of each and all escrow analysis completed on both loans.
Product: Credit reporting or other personal consumer reports

XXXX Account # : XXXX Date Opened : XX/XX/2015 High Credit : {$1100.00} Credit Limit XXXX {$750.00} This has been hurting me as I am in the process of buying a home for my family. Please remove this account from my credit report i sent already 1099-C
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Tx. I had already secured my credit and financing prior to buying from XXXX XXXX. The salesman, XXXX XXXX asked if he could try and get me a better interest rate. I told him that I already had my financing secured and did not want another inquiry on my credit. I made the deal and left. When I begin to monitor my report, I see that they ran my credit specifically after I told them not to.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an American Express Platinum Card. One of the offers is if you spend {$30.00}  or more, get {$30.00} back from XXXX ( up to 2 times total of {$60.00} ). There are offer terms - Offer valid for purchases made online at wineinsiders.com only. Excludes voucher purchases, taxes, and shopping costs and promotional offers through XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

I added the offer to my card. I went to XXXX to see if there were any additional coupons I could use. Then I went to XXXX to place my order. I used a promo code I found on XXXX. 

Order placed on Monday, XX/XX/XXXX. The transaction posted on XX/XX/XXXX as XXXX CA. I messaged or chatted with American Express on XX/XX/XXXX. I was told that I was ineligible for the offer because I visited one of the sites above. I checked my history on my XX/XX/XXXX where the order was placed and I did not visit one of those sites. I also have a friend who did the same exact thing as me and she did not visit the sites listed above in the offer. I also XX/XX/XXXX this and found several articles and XXXX comments of people who were told they were ineligible for the offer. I think if that many people have issues with the offer - there is a problem. 

American Express told me I visited a site - I did not. They can not see what sites I visited. American Express told me I could get the offer if I placed another order without going to the sites mentioned above - but the last thing I want to do is give XXXX any more money. This offer is deceptive and is set up in a way to get people to spend money and not let them get the offer. 

XXXX is not listed as an exclusion - and a reasonable person is not going to look at the url 's to make sure when they click on something promo is not added. Although - in my case, my history verifies that promo or other words were not added. 

I asked American Express to remove the offer so others are not deceived. I also asked for this to be reported formally as a complaint. 

Here are the links to articles : https : XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to access my report to clean up multiple inaccuracies and can not obtain access. I receive a message that I can not receive a report because I have disputed the information on my file.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

AXXXX 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
Product: Credit card

I have a care credit card with Synchrony Bank. I switched bank accounts a couple of months ago and thought that all of my bills were taken care of. I started getting collections calls from Synchrony and when I went to check on my account I found that they had deleted all of my forms of payment and my bill had not been paid. I called them and we re entered my bank information and I was assured that the problem was taken care of and my payment would be withdrawn from my bank account. A week later I checked on my credit card again and the payment had still not gone through. On the statement it said it was declined. I called Synchrony again. We went through and deleted my bank account and manually inputted it again and I was again assured that It was taken care of. It was not. This has been going on for months now. The same thing over and over again. They assure me I am taken care of, my payment does not get paid, I call them again. The last time I called was a couple of weeks ago to try to make another payment as well as turn the card off. That payment went through, but now since I have missed so many payments I can not afford the minimum payment on the account so I was only able to make a partial payment. I was told that my regular minimum payment would be taken out the next month ( this month, XXXX ) I checked the day that my payment is supposed to come out and my account said I was all set to make the payment. It is now a week later and my payment has not been made. I'm going to have to call again. I don't know what the issue is and why my payments are not being taken by Synchrony. All of my other bills and all of my other credit cards have had no issue pulling out of my bank account. I have also called my bank multiple times to insure that I have correct information and I do. This card is single handedly tanking my credit score. I am frustrated and I don't know what else to do. I work all day, everyday, I can not afford to spend hours on the phone with this company every single month to be assured that my account is being taken care of only to have it not taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that you are in violation of Federal Statute and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request. 

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by Equifax, for account number XXXX XXXX  XXXX Cardwor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws. 

I look forward to a timely and amicable resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$16000.00}.
Product: Checking or savings account

On on XX/XX/2024 truist forced a payment out my account anyway after I spoke to a agent on XX/XX/2024 I was notified by agent I had till XXXX XXXX XXXX to pay the cash reserve truist took payment anyway out of account I called emailed numerous times yesterday kept getting run around after the agent stated the XXXX  days was not up till XXXXXXXX XXXX XXXX  XXXX dollars plus overdrafts fees I was lied to that was my husband XXXX treatment money
Product: Mortgage

See attached file sent to XXXX XXXX. It is very important you read the attached document. Included in the statement is the fact that whenever an agency contacts Selene Finance they say they offered a borrowers packet but what they don't say, and what can be verified by XXXX XXXX and XXXX XXXX and XXXX XXXX, is that they never approve the loan modification and play games during the application. It seems that just saying they offer a resolution is their " XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will see in the attached statement that I was blind-sided by my XXXX Standing Trustee during my previous attempt to work out a plan. I have recently had to file XXXX  XXXX with the hope of converting to XXXX  XXXX if/when I get employment.Since the XXXX XXXX XXXX XXXX XXXX wrong XXXX and under reported/ failed to report wages the New Jersey Unemployment says I XXXX not XXXX the minimum required wages and denied XXXX. I have been actively seeking work but have been unsuccessful. Thus, I have had XXXXXXXX XXXX  income since XXXX of XXXX. If Selene Finance would have worked above board years ago I would still be secure in having a place to live while working through this rough patch. Even if I could get XXXX of the agencies I have tried to get help from to see Selene for what it is then I would be in a much better situation. XXXX XXXX 's office agreed but said they could not be involved until I filed a formal complaint with your agency. I am not asking for a hand-out, I am asking for help. Thank You. XXXX.
Product: Credit card or prepaid card

I was advertised to get {$50.00} cash back on XXXX XXXX after spending {$50.00} there ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX {$75.00} cash back after spending {$75.00} at XXXX ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) However, they keep on telling me that the account was not opened in the time frame it was supposed to be or that I am ineligible to receive cash back since I am not the account owner, but he has not received the promised cash back either. However, I did receive the {$3.00} standard cash back for the purchases proving that I am eligible to make daily cash earnings for the purchases I make. The account owner opened the account on or around XX/XX/XXXX. 

For the XXXX XXXX  promotion it is stated Valid only for new Apple Card holders who open an account XX/XX/21 through XX/XX/21 For the XXXX offer, it is stated Valid only for new Apple Card holders who open an account XX/XX/21 through XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I attempted to temporarily lift a freeze on my Experian credit file. I was unable to do it via internet or telephone. I was also unable to make contact with a human at Experian to resolve the issue. I was forced to submit the request via U.S. mail. I am in the process of securing a mortgage and time is of the essence.
Product: Vehicle loan or lease

I purchased a motorcycle and financed it through Yamaha Financial. During the loan period XXXX of XXXX I had requested a registration packet to title the motorcycle in local state. I waited a month with no answer and called again. Waited another couple of months still nothing. I asked my local DMV to request the paperwork needed via email to send it back by fax. Still haven't received paperwork by XX/XX/XXXX. Reached out by email to their administration department with my concern asking for the registration packet. Finally XX/XX/XXXX I paid the motorcycle off hoping the title would come quickly and it would be over. No, found out on XXXX XXXX, XXXX I needed to do their job for them and send my lien release form to previous to release my title. Weeks later I was contacted by previous states local treasury department that they do not participate with the California Seal Certificate. Previous state representative and I have contacted Yamaha asking for the proper paperwork after numerous phone calls and emails. They said they would send out the correct form with the proper information needed. I received a copy today XX/XX/XXXX of the wrong form again. I have spoke with several supervisors in customer service and the titling department and they can't resolve this matter. After almost a year paid off I would like my title, please.