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

Hello, I recently opened an Amex Blue Preferred cash back card, which offers cash back on a percentage of cash purchases. I have, however, received at least three different explanations regarding when I will be able to see whether certain purchases are eligible for cash back rewards. As is typical with cash-back cards, credit card companies will offer cash back only when merchants code the purchases in a particular way. Some merchants are affiliates, vendors, or licensees who do not code purchases as consumers might expect, the result being that no points/cash is awarded the buyer. Because of the ambiguity, I have diligently monitored my Amex account to see whether my purchases will earn the proper rewards. I can not, however, see whether the cash back will be earned as I expect. I have spoken to several Amex phone agents and received different explanations as to how/when I will earn my rewards and when I might see them. I spent an hour on the phone speaking with Amex agents/management, explaining my concerns and expressing my disbelief that under the circumstances they are nonetheless demanding I pay a {$95.00} annual fee. While I am ordinarily not averse to paying such a fee, I am averse to paying a fee for a card I may not want to keep. The only way I will keep the card is if it is worth it to me, in terms of cash back earned. Because I can not know the amount of cash back earned until I actually PAY my first statement, I may be stuck paying an annual fee for a card that is of no real use to me personally. Today, I spoke with an agent ( XXXX ), a supervisor ( XXXX ), and a manager ( XXXX # XXXX ). None of them seemed to adequately consider my position ; that is, that I dont want to pay an annual fee for a credit card that does not benefit me. Yet, they all told me that the annual fee can not be waived. XXXX did agree to look into it, but I have little confidence that will happen. In short, it seems Amex expects consumers will pay an annual fee BEFORE they know whether the card benefits them in the way the average consumer might expect -- rewards on purchases. Amexs practice appears like a BAIT AND SWITCH, and I hope you will help me resolve this matter. 
Thank you very much. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Many online and dispute letter were mailed to this company. company did not actively investigate all accounts and I requested proof of debt and accounts belong to me and it was never provided. and Experian stated all account was verified as accurate and continue to keep these on my report for years. 

XXXX XXXX account, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX accounts, 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 reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$670.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$360.00} XXXX  - XXXX - XX/XX/XXXX - {$1000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX documents were sent to request a loan on the amount of {$1000.00} I declined this amount and a new document was sent for {$2000.00} by FEB/XXXX-RETAIL Account number XXXX. FEB/XXXXRETAIL under united medical states that I owe {$3000.00} of a {$4000.00} credit limit. Customer service has confirmed the amount of {$2000.00}. I also have receipts from the merchant I used the funds with which stated the lender directly send them {$2000.00} the all additional funds were paid directly by me. Id like to have the inaccurate information deleted from my credit report.
Product: Student loan

My private student loan account is with Firstmark. I have been paying on this account for over 10 years. In XXXX, the XXXX military rate was applied to the account ensuring that the interest rate did not exceed 6 %. With regular payments being made on the account, the total balance has increased instead of decreasing. Sometimes, I do pay the account earlier than the due date which is reflected in the transaction history. On XXXX XXXX XXXX, I emailed the company regarding concerns with the account. From XXXX XXXX  to date, the total balance on the account has fluctuated from {$100000.00} to {$100000.00}. From XX/XX/XXXXXXXX  to date, the max amount of {$8.00} from my monthly payment was applied to the principal. As annotated in the transaction history, before XX/XX/XXXX, the minimum amount applied to the account was {$240.00}. The payment allocation was changed with my authorization. I contacted the company multiple times regarding the payment allocation. I requested that more of my payment go back to being applied to the principal and they have refused. There is nothing listed in the policy or promissory note stating the account holder could not request this. Additionally, there was a glitch in the Firstmark system that indicated that I overpaid my account. I requested a refund of my payment at the time. After the system was properly updated, it reflected that the account was not overpaid. I sent the payment and ensured the account was paid. The representative stated that there would be notes in the account. 

The company failed to amortize my account from XXXX XXXX to XX/XX/XXXX. Due to their failure, I now have to pay a higher monthly payment. My monthly payment increased from {$540.00} to {$700.00} starting in XXXX. On XX/XX/XXXX, the company informed me that they failed to amortize the account via email correspondence and via phone calls. The representative explained more in-depth via phone call.
Product: Credit card

XX/XX/XXXX I ordered XXXX face creams on the internet one called XXXX and XXXX. The first cost {$5.00} and the second {$3.00} and for some reason another {$.00} each from a company XXXX CA XXXX.I did n't like the product so I followed the instructions on the paper enclosed with the products. I recieved XXXX dispute numbers XXXX and XXXX. I was told to return the samples which I did and that would be the end of it. These products were put on my XXXX rewards mastercard. On my next statement I was charged {$97.00} and {$100.00} these charges were not authorized by me. I followed the instructions, had to pay for the shipping to return the products. To my knowledge I had done my share of what was required to have these charges taken off my bill. .On XX/XX/XXXX my credit card statement ending in XXXX was a negative - $ XXXX.I have not used this card, I cancelled it and have n't used it since. On XX/XX/XXXX I recieved a bill with not only the charges previously charged back in XX/XX/XXXX, but also the charge of {$40.00} annual fee for a card that I had thought I cancelled. When I call the Barclaycard XXXX mastercard, they tell me that they are still looking into it, and the charges remain until they make up there minds. In my last conversation with them I was on a three way conversation where the person on the other end asked me to send a copy of my social security number and a copy of my drivers license. I have never heard of such a thing I thought this was a reputable company Barclay Card services. I have had a XXXXcard for 15 years when it was XXXX XXXX There was never a problem. In conclution I have done everything possible on my part to have these charges removed, I no longer have the product, ,and to think that the credit card that I have had for years while it was XXXX XXXX has changed to this level upsets me terribly..
Product: Credit reporting or other personal consumer reports

I paid my charge off account for XXXX XXXX XXXX  on XXXX I disputed with ChexSystems on XXXX chexsystems is refusing to update the account paid.. even after the bank has called them personally on my behalf..
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i sent documents to experian pertaining to fraud. experian recieved my documents a nd i verified by phone. 30 days later after the investigation they dont have records anymore my documents. collection agency responded back stating that account was verified. i would like to have these accounts removed as quickly as possible. as they are hendering my credit.
Product: Debt collection

LVNV KNOWS I AM EXEMPT FROM DEBT COLLECTION They must stop and return collection on exempt funds at once and return the account or be sued
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been disputing negative accounts on my credit report for a while now since XX/XX/2019 sending in my letters regarding the following negative accounts : XXXX XXXX- XXXX XXXX XXXX  - XXXX and I have not received not one response from the agencies and I am aware that by law they have to give a response and they have 30 business days to respond and also correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal.
Product: Credit reporting or other personal consumer reports

per 15 USC 6802 ( B ) 16 CFR 313.7 433.2 433.3 15 USC 1681. 5 USC 552 ( a ) and the privacy act of 1974 should stop these institutions from sharing personal information to third party entities such as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Pac Auto Finance, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX All of these companies violated my rights of all laws above in CFR 433.2-433.3 states my information will will not be disclosed to any third parties without consent and clearly my consent was not given to the companies named above to share my personal information without my consent.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts and Inquiries under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. As I am a victim of a data breach, these fraudulent items must be removed under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

Below are the details of the accounts and inquiries to be removed : Accounts : XXXX. XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$20000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$960.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$720.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$510.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$380.00} XXXX. XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$170.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$350.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$530.00} XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$50.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$190.00} XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5400.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$20000.00} Inquiry : XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have been disputing erroneous information on my account since XXXX. I sent the XXXX XXXX XXXX and TCF Bank all documentation including a police report that stated that I was a victim of identity theft and as a result, I can not open up a checking account. I mailed in my identification as requested. I have been patient and sent 3 correspondence letters, but to no avail. 

In XXXX XXXX, I was a victim of identify fraud and theft. A XXXX XXXX dollar check was deposited into my TCF Bank account without permission. Then a P.O. S purchased was charged to my account for a purchase for {$4000.00}. Please note, this occurred during the XXXX season when identity theft is more prevalent. TCF Bank allowed the transaction to go through without the check clearing. A police report was made. 
Please see attached copy of the police report and check. My first name was misspelled on the check and the handwriting is not mine. 
TCF Bank informed me that since I was a valuable customer for 11 years, as a courtesy, they allowed the {$4000.00} transaction to go through. However, I was left distraught and frustrated by TCF Bank. I spoke with several employees and managers at TCF Bank, but my claims fell on deaf ears. Furthermore, I am truly appalled that this continues to haunt my file. This has had a negative impact on my ability to have a basic checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Transunion received an identity theft report in according with the FCRA. FCRA states a credit reporting agency ( Transunion ) is required to block the information within 4 days. Transunion failed to block the information. Transunion does not have the authority to decline or rescind any block because it was not made in error, there was no material misrepresentation of the facts, and I am not in receipt of any evidence to which Transunion has determined that I have obtained any goods or services as a result of the blocked transactions. Additionally, since then Transunion has allowed the alleged accounts to continue reporting what should be known as false information. Transunion has failed to follow the requirements under 15 USC 1681c-2. Their failure has caused significant harm to my reputation and allowed for my private information to be obtained without proper systems in place to protect me.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND ALL XXXX CREDIT REPORTING AGENCIES ARE REPORTING FRAUD IDENTITY THEFT INFORMATION ON MY REPORTS. XXXX, EQUIFAX AND XXXX ARE ALL REPORTING FRAUD INFORMATION. I HAVE SENT SEVERAL LETTERS LISTING ALL FRAUD ACCOUNTS, PERSONAL INFORMATION AND INQUIRIES ATTACHED WITH A COPY OF MY DRIVERS LICENSE, SOCIAL SECURITY CARD, POLICE REPORT AND FTC REPORT FOR IDENTITY THEFT. THE XXXX ABOVE AGENCIES ARE NOT REMOVING THESE FRAUD IDENTITY THEFT INFORMATION FROM MY REPORT. THEY DO NOT SHOW PROOF OF THESE FRAUD ACCOUNTS BEING MINE AND DO NOT REMOVE THEM BY FEDERAL LAW AND CODES THEY ARE TO REMOVE ALL IDENTITY THEFT INFORMATION FROM THE CONSUMERS REPORT, THEY HAVE FAILED TO DO SO AND ARE NOT COMPLYING BY FEDERAL LAW. MY LETTERS HAVE THAT LISTED AS WELL BY LAW AND A COPY OF THE FAIR CREDIT REPORTING ACT HAS BEEN ATTACHED TO ALL MY LETTERS AS WELL.
Product: Checking or savings account

I opened a checking account with HSBC online on XX/XX/2018 as a part of he {$350.00} promotion, was able to setup online and mobile app access on the same day. After that I made two {$5000.00} mobile deposits, one on XX/XX/2018 and another one on XX/XX/2018. 

On XX/XX/2018 I received a message from HSBC Fraud Prevention Department, reference number XXXX asking to call back and verify my identity. The message specifically stated that the department is available 24 hours a day, 7 days a week.

On the same day I had called back around XXXX CST and after 15 minutes of wait was told the the Fraud Prevention Department 's hours XXXX XXXX EST and the usual wait time is 30 minutes. 

I called back again at XXXX CST/XXXX EST and after waiting 41 minutes without getting to anyone had to hang up. 

Called back on the same day around XXXX CST/1XXXX EST and after waiting 51 minutes without getting to anyone had to hang up again. 

As I am writing this XX/XX/2018, XXXX CST, I've been waiting for 20 minutes so far. 

My account is disabled and I am unable to access it online or through the mobile app with {$10000.00} sitting there. 

By far, the worst customer service I have experienced.
Product: Debt collection

Today Transworld Systems Inc. make numerous call trying make reference to legal action for an unknown account. They call asking for information in a very inappropriate a rude form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had the lowes advantage card and always paid on time. So I went to make a payment on it XXXX and they accepted my payment. So I went to use it to buy something and did not work. So I paid cash for stuff I needed on same day. So then I go outside and call and they quickly told me they closed it due to credit with out any notice.
Product: Payday loan, title loan, or personal loan

Payments come out every Thursday last one was dated   XXXX   XXXX   XXXX     My family is struggling real hard Wife has n't had a job for awhile we have  XXXX  kids and by the time loans come out no money is left for Food after paying bills and according to Depart ment of Children and Fam ilies I make too much for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XXXX of XXXX I was notified that my credit card had not been reporting on my Transunion credit report since XXXX. Upon calling TransUnion they have identified that the account is " suppressed '' but will not do anything to re-insert that account which is active and in good standing. I have been working with my XXXX XXXX branch to fix it. However, XXXX XXXX has sent multiple re-insertion requests to Transunion, which Transunion states they never received. I was given paper proof that they sent re-insertion requests to trans union with the dates they were sent. When I contacted Trans Union recently and re-explained the situation I was given the same line they have been giving me for the last year, " XXXX XXXX needs to report the card '' and then promptly hung up on. I reached one person at TransUnion who stated all I had to do was mail Transunion the " proof '' that XXXX XXXX had sent me with the dates and amount of times the re-insertion requests were sent by my bank. When I did this however I was sent a letter by Trans Union stating " they can not verify that it was me that sent these documents and will not take action until they can verify it is me. '' Only to find when I called back to verify the information was in fact coming from me i was met with " we can not tell you what you need to add to to the documents to get this fixed there should be a rep at XXXX XXXX who can call a sales rep at Transunion that would know the correct process. '' No info was given, and complaints have been ignored by TransUnion since XX/XX/XXXX. This error in their reporting has cost me multiple thousands of dollars worth of credit opportunities and is preventing me from applying for mortgages, car loans, or anything to improve quality of life. I was forced to pay XXXX cash for a vehicle because the Transunion credit report was used against me in multiple vehicle loan attempts.