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

On XX/XX/16 I was charged {$40.00} " ANNUAL MEMBERSHIP FEE '' by my XXXX American Express Card. 

XXXX then quit their partnership with American Express, and the card account was transferred to XXXX where I was promptly charged another annual fee. 

I called XXXX and asked them to refund the {$40.00} I was charged on the American Express card and they said they couldn't because it was charged by American Express. 

I called American Express and asked them to refund the money and they said they couldn't because they no longer held the account. 

I opened a support case with American Express for this ( XXXX ) which was ultimately closed and they refused to reimburse my {$40.00}.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX SSN : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion/Experian/Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached copies of FTC Identity Theft Criminal Complaints # XXXX, and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Jefferson Capital has violated my rights.

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 4 ) not communicate by post card 15 usc 1692b ( 2 ) not state that such consumer owes any debt 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Product: Mortgage

My husband and I had a mortgage loan with XXXX and a XXXX mortgage with CCO Mortgage. We were in our home ten years and was never late on a payment, not once. I was laid off my job of 21 years and asked over an over again to refinance. I was told no by XXXX. During this time the payment went up over XXXX dollars because of the type of loan. That is one of the reasons we wanted to refinance the loan before this happened. We were also told you have never missed a payment so they are not going to help you refinance. We used all of our savings to keep things current. We tried next to do a modification and was told the same thing. Once they realized we were going ahead with the modification the loan was sold to XXXX, than the problems really began. I started back working at half the salary so it was hard catching up. While processing the modification XXXX continued to say they either did not receive documents or they needed them again. This happed every time we would send the documentation, they would say it was received to turn around and say they did not have it. This went on for over a year before they finally said no to the modification. We decided to do a short sell on the home. We have had XXXX offers. One was XXXX XXXX short of what they wanted so they said no. The second was a cash offer for more than what they asked. CCO would not agree to the short sale and kept things in limbo, meanwhile they stated they did not care if we foreclosed on the home or filed bankruptcy. The couple buying the home needed to close soon because she had XXXX. CCO would not agree with any option that was put out there so the couple found another home. The next day CCO called and said they would agree after we made a complaint but it was to late. A week later we received a third offer for over the amount asked. The persons buying the home ask if they can close as soon as possible ( within 45 days ) because they are closing on their home. Now XXXX continues to drag and now decided they want more money. How can you keep doing this. It is as if they do n't want to really sell the home. This has gone on now for a year and a half and is affecting my health. They have not returned my calls and know that the family wants to close soon. I am not sure what to do next. We had excellent credit and always say our bills. We would like to sell the home so that we can move on. We do not want it to go the house to go into foreclosure. I will be looking for a lawyer tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2020 I file disputes with all 3 bureaus I have yet to receive anything from any of them. I know the law says they must reply within 30 days it has been alot more then 30 days more like 90 days. Please tell me why this is taking so long?
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX and got financing through XXXX XXXX. It read XXXX on the odometer of the vehicle during the time of purchase. The car was sold to me for {$22000.00}, XXXX times the blue book value. I beleive that credit acceptance took advantage of hardship being that my credit was bad. Giviing me easy financing in exchange for a expensive car that wasnt worth its value at a price I could not afford. With high mileage on the vehicle and it being an older car, even if I sell the vehicle, I can never get the amount I paid back for this car. I feel that this is not an honest establishment, knowing they financed a car to me at this price. This establishment has no compassion for its costumers or the community it provide services. I feel that I have been taken advantage of. This car loan has damaged my credit and put me in more of a finanical hardship trying to pay it off. In this case, I feel that I deserve compensation which would be the difference for the price I paid and the blue book value. I would say that {$18000.00} paid back to me for pain and suffering while I stuggled to pay off this outrageous car loan would be justice. If I do not recieve a settlement payment in a timely fashion, I will proceed with further actions. 
Thank You
Product: Credit card or prepaid card

I had a credit card with fortiva, which was to be user for XXXX 's XXXX store and I had about a year to pay off the purchase amount or there would be added interest on my store credit card. I obviously did not want to pay the added interest so I did my best to pay the fortiva credit card balance off in full before the interest was added on. I had gotten sick with XXXX  XXXX me and my whole family got sick and I missed work and was just trying to survive once I became well I noticed I had missed my last payment with fortiva which would have cleared my full balance I tried calling them to explain that I literally only had one payment left and I pay all of my bills on time and to please waive the interest over the one last payment I didn't get on time. They refused to work with me and added almost XXXX dollars on in interest and late fees. I am not paying over XXXX dollars just because I missed one payment that was not on time most credit card companies will work with me but not this one. I already paid the full balance off for my purchase the whole XXXX dollars is just them being greedy.
Product: Credit reporting or other personal consumer reports

I have submitted the required documents to XXXX XXXX on XXXX occasions and they have yet to correct the matter. As I have no account with you or any contractual agreement, I demand the following information : XXXX ) Provide evidence of your authorization under 15 USC 1692 ( E ), 15 USC 1692 ( F ), and USC 1692 ( G ) in this alleged matter. 
XXXX ) What is your authorization of law for your collection of information? 
XXXX ) What is your authorization of law for your collection of this alleged debt? 
XXXX ) Provide evidence of your authorization to do business or operate in the state. 
XXXX ) Provide proof of the alleged debt, specifically the alleged contract or other instrument bearing my wet signature. 

You have 10 days to respond to this notice. Failure to do so will be deemed as a waiver of any claims in this matter and will be considered to have permanently closed this issue. 

Your continued silence is unacceptable. Provide proof or correct the record to remove the invalid debt from my credit files. Failure to respond within 10 days will prompt a small claims action against your company, seeking {$5000.00} in damages for defamation, negligent enablement of identity fraud, and violation of the Fair Credit Reporting Act. 

The FTC, XXXX, AG, and CFPB will be notified regarding this alleged debt. Cease all indirect communication of this debt immediately. 

Thank you for your attention to this matter. All stated facts are true to the best of my knowledge and made in good faith.
Product: Checking or savings account

I filed a claim for unauthorized charges XX/XX/XXXX. The dispute rep I spoke with had terrible conduct, asking the same questions and advising me that the calls are monitored, which was irrelevant. He asked what reason was there for not filing the transactions on time, to which I responded that when I filed a claim with then about 2 months ago the rep did not note all the charges I gave them. In a situation where you have no way to pay bills due to your money being taken the last thing I need is added stress. So I called back and asked for a supervisor and while I was explaining why the phone hung up. Nobody called back so I doubt it was on accident. I wanted someone to handle my case if the gentleman that took my charges down wasnt going to take it serious. I also told him I have proof I wrote down all the transactions that I disputed about 2 months ago. But since he couldnt see that he basically brushed it off. So rather than calling back and going through the same thing I just went with filing a complaint so someone else can reach out that has authority. The money on my card was for saving in case of emergencies. Which I shouldnt have to explain. It was my money that was taken so it should be taken more seriously. Otherwise, I have no problem going about it with legal help, which my father in law who is an XXXX offered the moment they hung up on me when I called back to speak to a supervisor.
Product: Checking or savings account

I was emailed that Chase Bank was closing my checking and savings account. I called them immediately to find out what was going on and they refused to tell me why and said that I won't be getting my money back. All of this in the height of a pandemic! I owe no money to the IRS, my credit score is XXXX, and have no defaulted or outstanding debt. I spoke with several different managers in person and on the phone and each one refused to give me a reason as to why they closed my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : {$2700.00} ; XXXXXXXX XXXX XXXXXXXX : {$2200.00}.
Product: Credit card or prepaid card

I requested a new line of credit Chase Sapphire Card. The card arrive XXXX by mail. When validating the card I noticed my name was misspelled. It had my first last name XXXX as an initial middle name. Called the Customer Service line and told the representative about the situation. She stated that I needed to fill a form to correct my information and to be sent back by mail. After that she stated that she validated in the system and since I had a previous card a Chase Freedom Card the information was correct and I would not need to fill the form. She was going to correct the information and sent a new card. Confirmed, I would be able to use my card while the other one came by mail, but she was going to still sent the form just in case it came misspelled again, I could request a correction with evidence. Two days later after using my card on the XXXX, on XXXX I opened my chase app and saw the account has been closed. Called Chase again and asked why it has been closed after everything they told me on Monday. The representative stated they didnt have information and I would need to wait until I received the letter. When I entered my Chase App noticed a letter which said they needed proof of my physical address and that I could sent the information via fax or mail. I sent the info that same day via fax, an US driver license and a banking statement to XXXX and called to verified if received. Spent more than one hour and I was transfer around to departments never been able to find out if they ever received the fax. Called again to the number provided me the next day XXXX they told me they could not assist me and transferred me again. No one ever answered. I decided to sent a certified mail to XXXX XXXX XXXX XXXX, DE XXXX which is the address provided to sent the proof of physical address. The letter was received XXXX. Tracking number XXXX XXXX. Decided to call on XXXX to validated the information and the Customer Service rep informed me they indeed received the info on XXXX but that she was not able to reopen my account and I would need to request a new line of credit. I told her no, because there was no reason for me to make a request again if I had one approved already and was told once the information was validated they could reopen my account if the info was sent before 30 days passed by. She transfered me to a supervisor which told me he was not able to assist and I needed to be transfer again. No one ever answered after an hour wait. Called back on Monday XXXX. They told me the same thing my account could not be reopen. When I spoke again with a supervisor XXXX she told me my information was received that day. I said how was that possible if last time they told me my information was received XXXX. She told me she did not understand how was I told that if she had the notes in the system the info was received that day. She helped me with a claim to report that situation. The claim number is XXXX. Told me to wait a couple of days to see if they could reopen my account. Nothing has been done as of today.
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. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 or other personal consumer reports

( statement of pertinent facts ) Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an student loan account opened at Dept Of Education on XX/XX/XXXX under the account number ( private ), an account opened at XXXX on XX/XX/XXXX under the account number ( private ), and another account opened at XXXX Funding on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned personal loan accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS MY CREDIT USAGE OVER 68 %. BASED ONLY ON XXXX LINE OF CREDIT. WHEN I AM UNDER 30 % IN TRUE CREDIT USAGE. ALL CREDIT CARDS AND LINES OF CREDITS SHOULD BE COMBINED FOR TRUE CREDIT USAGE. CORRECT MY CREDIT USAGE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays bank of Delaware reported late payments on my account back in XXXX, They stated that the account was open when I called them XX/XX/XXXX when actually it was suppose to have been closed XX/XX/XXXX. They reported that the account was closed and paid in full. This is causing undue hardship with this negative information
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Ex Girlfriend used my info to open up accounts that I didn't know about. I want these accounts to be taken off my report because they are not mine. Thank you.
Product: Debt or credit management

I have supplied proof under the doctrine of Estoppel by silence, Engelhardt V Gravens ( MO ) 281 SW 751.719. I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists pursuant to 18 USC 8, L owe no debt, this company is violating my consumer right to privacy to 15 USC 1681-XXXX XXXX has no permission to report my information per 15 USC 16814
Product: Debt collection

in 2009 in Nevada someone opened up a XXXX Phone in my name, I called XXXX and tried to reason with them, they wanted me to pay over {$800.00} to clear my name. It was to be taken off after it aged out in XXXX..A new collection shows up for XXXX collections in another name ..This is a Debt I have been battling for 7 years and it keeps rising.it is now XXXX $
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX and # 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: Debt collection

In XXXX 2015, I filed a FTC complaint regarding multiple collection phone calls for an account that I did not open. The investigation was complete ; it was verified that I did have an account with XXXX and did not owe them any money. Today, I received a call from a collection agency regarding a XXXX account. Today, I contacted XXXX and they did verify that an account was opened in my name in XXXX 2015 and it has been placed into collections. My issue is that customer service has repeatedly provided me with the incorrect information, and was withholding information that I requested and facilitated account fraud. I believe that this issue could have been resolved months ago.
Product: Debt collection

I received a negative report on my credit for. Debt I know nothing about never contacted as had art account auto pay for more than 3 years it might be debt owed by my deceased spouse? Nobody ever contacted me by mail phone email?
Product: Credit card

XXXX XXXX XXXX Americna express account unopened XXXX XXXX XXXX XXXX XXXX  inquiry XXXX XXXX XXXXXXXX XXXX XXXX inquiry 

I contacted and froze all credit Burroughs and started disputes 
Contacted all creditors and reported fraud 
I also got XXXX XXXX
Product: Credit reporting or other personal consumer reports

I regularly monitor my payment schedule and take proactive measures to ensure payments are made on time on this accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request you to ensure that my account status is promptly updated in my consumer report. Accurate reporting is crucial for maintaining a positive credit profile, and I appreciate your assistance in this matter.