23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX I made an online purchase of a shower kit with my credit card Discover. I requested the item to be cancelled a few days after due to the long period of time to be delivered. I was advised by the merchant that I could refuse the package upon delivery and that I should get a refund after. The item was left porch without notice under the name of someone else but with my address.Since it was a large item there was no way for me to take it anywhere in my vehicle. I saw labels from XXXX XXXX with a number to call in order for the item to be returned. I called the number and was able to arrange a pick up that was done on XX/XX/XXXX. I contacted the merchant by Email which is a third party vendor named XXXX XXXX which apparently orders from XXXX XXXX and act as its the seller. I was advised that onces it got back to the warehouse I should be receiving a refund, which I never did. I then decided to open a dispute with Discover and submitted all my proofs of shipment labels and Email communications from this merchant for them to help me resolve this case. As of now, I still have not been able to get my refund back. Discover keeps stating that the merchant stated that the item was a final sale and it couldnt be refunded. Discover keeps referring me back to the merchant to get this issue resolved. But per Email conversations from the merchant I was advised and authorized to send the item back for a refund which I did. I was able to obtain receipts from XXXX XXXX that the tem was received and that the merchant received the purchase money back to his account but its not refunding my money. All those proof were submitted to Discover for them to resolved the dispute. No resolution has been made until this date. I recently reported this business to the bureau because I feel I was scammed. I was made believed that I could returned the item for the merchant to keep the money and the merchandise. Please help me get this resolved, this bank is not willing to proceed with doing anything else after multiple calls and speaking to different account managers. They are not considering that Im the consumer and customer suffering loss from this issue. I am a single mother with XXXX kids and can not afford this loss of money. I feel Ive been treated unfairly by this bank and need this organization to make things right since I dont have any hope from the merchant or this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

As it pertains to the credit bureau of Transunion, XXXX, and  XXXX and the creditors involved I am disputing the valid nature of 9 accounts listed in this dispute, as circled in the Transunion credit report attachment. Since XX/XX/XXXX when I first got alerted of my stolen identity, I filed for a police report which was already relayed to the 3 credit bureaus on my originally filings. In my original fillings I disputed the creditors I have filed against and I also filed a police report on XX/XX/XXXX about my identity theft. In order to clarify these creditor accounts as not being a part of the identity theft, I wanted to verify the original handwritten signatures and the original contracts for each of these creditors that were circled in the Transunion Credit Union report. I wanted to file this request according to the section 609 of the Fair Credit Reporting Act. Please verify these accounts according to my request.
Product: Debt collection

On my credit report I have a collection account with XXXX in the total of {$1400.00}. I have never received verification of the amount that is owed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the worst credit reporting agency when it comes to getting inquiries off my credit report!!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items on my credit report, despite multiple attempts to have them removed. These erroneous entries are having a detrimental impact on my financial well-being, and I urgently request your immediate assistance in resolving this matter. 

I first discovered these fraudulent items on my credit report. Since then, I have taken the following steps to address this issue : I submitted a written dispute to Credit Bureaus outlining the fraudulent items in question and providing substantial evidence to support my claim. I included copies of police reports, identity theft affidavits, and any other pertinent documentation to substantiate my claim. 
I followed up with Credit Bureaus via phone to inquire about the status of the investigation and the removal of the fraudulent items. I was informed that an investigation was ongoing. 

As the fraudulent items persisted on my credit report, I sent a second dispute letter, reiterating my concerns and the urgency of resolving this matter swiftly. 

I have not received any response or resolution regarding the removal of the fraudulent items from my credit report. 

The ongoing presence of these fraudulent items is causing significant harm to my credit score and is impeding my ability to secure credit, loans, or housing. I kindly request that Credit Bureaus conducts a comprehensive investigation into this matter and promptly removes all fraudulent entries from my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and correspondence with Credit Bureaus Police reports and identity theft affidavits Any other supporting documentation I request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the fraudulent nature of these items, please ensure their immediate removal from my credit report. I am asking for your assistance to remove the following items : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am filing a complaint against XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX, Tennessee XXXX. # XXXX XXXX XXXX, manager name is XXXX XXXX. On XX/XX/2021, I entered into a contract with XXXX XXXX for a washer and dryer. I was later advised by my credit counselor to pay off this contract in 90 days. On XX/XX/2021 I made my first payment in the amount of {$110.00}, with a live person on the phone. I made the second payment using the automated system. That payment posted XX/XX/2021 in the amount of {$110.00}. The final payment in the amount of {$950.00} was also made through the automated system XX/XX/2021. I received a phone call from XXXX XXXX XX/XX/2021. I spoke with XXXX in the billing department who informed me that my account, that I thought I had paid in full, is now 3 months behind and they needed a payment. After going over the accounting with her we learn that they took the money that was to be applied to the washer and dryer and applied it to an account that was over 15 years old. This so-called forgotten account did not show up on the credit report. If so my financial advisor would have seen it and advise me to take care of it. I have been paying a company over the past several months to repair my credit. Prior to the unprofessional conduct from XXXX XXXX my credit score has gone up. Because of the action from XXXX XXXX it's now going to delay my timing for a purchase of home and automobile. Two of the credit bureaus are now less than XXXX and the other is less than XXXX. I never enter into any contract agreement stating that funds from one purchase can be use towards another purchase. They never contacted me to inform me they were going to take the funds to satisfy an old forgotten account that they already received credit for. What we are seeking is, credit showing that the washer and dryer is paid in full with no delinquent marks on my credit and secondly I am seeking Financial restitution for the Damage to my credit score. My name is spelled XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, Tennessee XXXX. Thank you for your assistance.
Product: Vehicle loan or lease

I was charged XXXX for taxes not owed. As the vehicle was turned in XX/XX/year>. In addition they refused to do any abatement so I contacted the town of XXXX directly for the tax correction the true taxes owed are {$21.00}. Ive been sending over all documentation to GMC financial and leasing and they are still billing me for XXXX, as well as calling me daily to harass me for payment. They have also sent this delinquent payment to the 3 bureaus effecting my credit worthiness. 
Please and thank you.
Product: Credit card or prepaid card

I believe I am a victim of a scam or fraud by JP Morgan Chase bank. 

Chase bank offered me a credit card and I applied and was approved. The card comes with a {$550.00} fee which I was immediately charged. The card advertises numerous benefits. However, the bank has refused -- after 60 days, and 5 phone calls to customer service -- to honor the primary advertised benefit for which I decided to apply for the card. 

Here is a log of my attempts to contact Chase to request that they provide the benefit they advertised : XXXX XXXX -- clicked to activate Priority pass using my Chase account. They didn't. I never received the card in the mail nor any email notice. 

XXXX XXXX - Called chase. Said they'd activate it. They didn't. 

XX/XX/XXXX called Chase - Representative said she'd contact priority pass and that I should call back after 6 or more days to request to receive the actual card. 

XX/XX/XXXX called Chase back. Representative claimed nothing had been done and he needed to connect me with priority pass. But shortly after he transferred me, the call hung up. 

XX/XX/XXXX called again, 2hrs later. A representative repeated the same thing. This time when she transferred me to priority pass, the priority pass representative told me : " Chase transferred you because they don't wan na take responsibility. They know that only they can issue the membership. '' She instructed me to call the Chase Benefits administrator at XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX called the Chase benefits administrator. Representative informed me they are actually a third party and " the only thing you can do is to be connected back with Chase directly. They will have to resolve this on their end. '' As you can see, I believe I am the victim of some type of scam or fraud, as Chase has not only refused to offer the service advertised in exchange for the {$550.00} fee, but also Chase has refused, over 5 different occasions, to resolve the issue. 

Here is where the benefit is advertised, and where I applied for the card : XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance. 
Best, XXXX XXXX
Product: Mortgage

Same pmi problem. I want to get refund for my pmi, and they wont agree. Its a law that when borrowers meet the requirements of XXXX 78 % they need to inform borrowers that you can cancel the pm or mortgage company need to cancel automatically! But none of them inform to consumers about it. The federal law requires that mortgage companies need to do it! And they just push away to other peoples problem or other company issues! Thats not right
Product: Credit card or prepaid card

The company did not put the {$1000.00} credit card cap on the blue american express for the second card holder under my account. {$1000.00} is the cap that applies to my blue american express card at the time I applied for it and till the day it closed. Per the agreement with american express, this should have been the cap on the second card holder 's card as well. I did contact american express multiple times to ask them to enforce this cap. They did not and the second card holder was able to spend more than {$10000.00} on his card In addition, American express charged close to {$10000.00} in interest from the time the second card holder received his card to the day American express closed the account. I always pay my card in full so none of this interest is associated with my card. Now, American express wants me to pay the full amount plus interest for the second card holder 's card.This has affected my credit score since I did not anticipate this and I don't have the cash to pay it in full. Meanwhile, the interest fees keep piling up.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordnce with the fair Credit Reporting Act, Ashro Acct # XXXX, has violated my rights. 

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

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

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

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act, -XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX -XXXX XXXX XXXX, account # XXXX -CXXXX XXXX XXXX, account XXXX XXXX XXXX XXXXXXXX account # XXXX -XXXX account # XXXX -XXXX XXXX XXXX XXXX account # XXXX -XXXX XXXXXXXX XXXX. account # XXXX -XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I am writing to make a formal complaint and request that American Express honors the advertised sign-up bonus for XXXX XXXX credit card that includes one free weekend night andXXXX XXXX  XXXX XXXX points, which were not credited to my account.The details of the advertised sign on bonus are available in the screenshots of attached document.

I submitted a new application for XXXX XXXX credit card at American express website www.americanexpress.com in the beginning on XX/XX/2018 and met the spending requirements within a month. I contacted customer service via chat and phone multiple times and they told me that I was not eligible for any of the advertised bonuses because my application was processed as a product change/upgrade and not as a new application and on their end. I spent about a month talking to customer service representatives and supervisors via chat and phone with no progress and no resolution date. Every time I contact American express I deal with a new representative and have to start from scratch. I mailed a formal complaint ( attached ) to American Express corporate offices, but received no answer. Please assist. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my XXXX report that there is an address showing as mine that I have never used. I went online to try to have this inaccurate information deleted only to find I was denied the right to do so. Now I am getting an error when I attempt to dispute it.
Product: Credit card

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Product: Credit reporting or other personal consumer reports

I filed a dispute on Acima Credit due to { the reason you selected in your original dispute }. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances getting { house, car, etc }. XXXX violates my rights as a consumer, as well as feder laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got a hold to my personal information and attempted to get a vehicle. XXXX caught the incident and stopped it. 

I reported this to all bureaus due to the fact the let the person run my credit over 30 times
Product: Checking or savings account

Pay date biweekly on XXXX, typically the direct deposit is available on Thursday prior. Capital One did not disburse Thursday. Capital One sent an email Thursday night, stating that they were having technical issues and transactions in the meantime would process after the issue was resolved Friday morning. 
Friday morning I still do not have access to my direct deposit money through Capital One and they have continued to allow transactions to process in the meantime despite their promise otherwise, creating additional late fees and kick back processing fees from essential bills. Minimal communication provided. Calls to customer service are automatically disconnected after navigating prompts.
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 : DEPTEDXXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I looked at my EXPERIAN credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I filled out paperwork for a forbearance. My student loans total $ XXXX now it is {$240000.00} from XXXX to XXXX
Product: Checking or savings account

I had unauthorized charges on my account both my joint acct with my husband and my personal account. Provisional credits were issued, and then they were taken back by the bank, with no notification all my funds were taken plus now the accounts are negative XXXX $ and the other XXXX XXXX $ and I'm being charged overdraft fees over and over again. I've tried talking to them about this firstly why the credits were reversed and was transferred around to 3 people waited on hold forever and then just told something about an ip address matching mine so they reversed it. My phone was stolen and being used via XXXX XXXX and XXXX XXXX  i believe. And then it turned up at my home. Someone close to me had it and used my account and then left it. Still do not know who it was and it possibly could have been my neice that lives with us and she is XXXX. So I'm not filing any police report yet until i figure out if it was her or my son. The charges were not authorized however and so i don't understand how they can do this. It's causing major hardship for my family and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion all are reporting that I paid my XXXX XXXX mortgage late. I did a Home Modification with XXXX XXXX. I even have a letter from XXXX XXXX that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. XXXX XXXX stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late! 

There's also two XXXX XXXX XXXX accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by XXXX XXXX but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.