23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am an Amex Platinum cardholder and one of the benefits is a {$200.00} annual statement credit for a one-night stay at a qualifying XXXX XXXX XXXX XXXX property. The booking must made through Amex Travel and be prepaid. On XX/XX/year>, I made a prepaid booking through Amex Travel at a XXXX XXXX XXXX XXXX property. Upon completing my stay, I waited 90 days and inquired as to why I had not received the credit. I have spend hours on the phone and in chats with customer service looking for an explanation and or resolution. To date, a satisfactory explanation has not been given. I was even provided a false customer service email address from an individual at Amex Travel when I asked if there was an email address I could send further information to and escalate the issue. There is no Amex customer service email address for the US. 

I have read the terms and conditions multiple times and there is nothing that would exclude my booking from receiving the credit. 

Attached are the program terms and conditions, my receipt verifying I booked through Amex Travel, and my receipt from the hotel showing a prepaid deposit transfer credit which proves prepayment.
Product: Credit card

This incident occurred XX/XX/year> at TJ Maxx. The employee asked did I wasnt to sign up for their rewards program. I told her I did not want to apply for any credit cards. She lied and stated that its only a rewards card not a credit card. She gave me a pamphlet wrapped in a TJ Maxx bag stating to call the number on the receipt to see why I was rejected. It was a scam the whole time to help her with her commission. This is my first attempt to do anything about this situation. After she got my information she stated that it was rejected for the rewards, which made me realized she submitted my information for a credit card.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my WELLS FARGO account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

You are in violation for reporting the wrong balance for the account XXXX XXXX XXXX. Furthermore, the alleged debt is uncollectible since the statute of limitations is 4 years in the state of Texas. Please see the company 's response showing that the true balance was {$94.00}. You are reporting an additional {$100.00} on this account, and I can sue your company for negligence and false reporting. This account is to be removed within 7 business days. XXXX has already deleted this inaccurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is incorrectly reporting a paid collection account on my credit report for XXXX or XXXX XXXX  XXXX, a utility company. I have asked them to investigate this and they have failed to investigate this numerous times, and recently reported the same account twice on my credit report causing even more credit damage. This is unbelievable and I am beyond frustrated at there complete disregard of maintain accurate records. This XXXX   account is highly disputed and under litigation - I am currently suing XXXX XXXX   XXXX for this, and now XXXX  has decided to report the same account TWICE??? 
I am adding a copy of my credit report to show XXXX  reporting this same account twice. I demand a full removal of both of these tradelines.
Product: Mortgage

I am contacting the financing company, Good Leap, to resolve the issues I have with XXXX XXXX since the later filed for bankruptcy. The solar panel has damages, and it is not functioning as it should be, and we have no one to contact but still consistently paying for the service/equipment. We have been waiting for a resolution for XXXX  months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told I could move out of my apartment early by XX/XX/XXXX by my landlord. I accepted and moved out. The landlord contacted a collection agency and is reporting that I am not paying rent for XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been out of the apartment since XX/XX/XXXX. I emailed them and left the keys on the kitchen counter in the apartment. There were numerous issues that they never fixed so I withheld the last month rent which is my right by tenants rights. I filed a 311 complaint about brown water in XX/XX/XXXX. Had leaking vents on the back porch in XX/XX/XXXX. None of this was addressed. Their answer was to tell me to move out early and not renew my lease ( which was up in XXXX of XXXX ) I have contacted the credit reporting agency numerous times and sent them all of my emails and texts from the landlord and myself. I have included the letter I sent to the landlord certified and emailed and hand delivered declaring my acceptance of their offer and my withholding of the XXXX rent due to lack of attention to complaints. They told me that the landlord will not remove the charge and they will no longer talk to me. This has been going on since XX/XX/XXXX. I need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again and the account continues to reflect on my credit report as of XX/XX/XXXX. The creditor corresponded to my dispute with a bill from the original creditor and did not validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out XXXXThere have been no proper verification or validation on this account account as it is still reflecting on my report. 

The unverified item listed below remain on my credit report in violation of Federal Law. Rather than immediately remove the items listed below per federal law, you opened up a dispute for these items, contrary to my request. I am NOT disputing these items, I am demanding that they be removed if you can not provide me visual proof that I have signed a contract for this account. 

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing dated XX/XX/XXXX, received in the mail by me XX/XX/XXXX, that you " verified '' that this item is being " reported correctly. '' Who verified these accounts? 

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. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section617 ) if you fail to comply. I am a serious consumer fully intent on pursuing litigation in this matter to enforce my rights under the FCRA. 

According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit and has. Caused me emotional distress. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 

Convergent Outsourcing INC XXXX XXXX XXXX XXXXXXXX Please strike and remove this account from 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Mortgage

Wells Fargo mis led me and my spouse to not make house payments which forced our homes into foreclousre. We both were told that this would not happen and it did. The results had years of damage to our credit scores which cost us severe finacial damages.
Product: Checking or savings account

I have attempted to open a bank account with Chase Bank several times over the years and have continuously had my account closed within 24hours of opening, even after finding the account, without any explanation. I have reached out to Chase and the only thing U can think is because I filed Bankruptcy which was dismissed nearly 5 years ago - with no history of a Chase account ever being included. 
I have Good credit, no XXXX  XXXX records, bank accounts with every other major financial institution and large amounts of liquid reserves. This can only be due discrimination! They have caused me severe financial hardship as my auto loan is in the name of my mother because Chase refused to lend to me without cause. All of my credit cards are Chase backed but I'm only an authorized user despite the fact I pay all of the statements on over XXXX in revolving credit lines. This makes no sense and I am begging for help!
Product: Mortgage

I am very deceived of the way Penny Mac has handle my loan. I submitted a modification packet to them since XX/XX/2017 to be review for a possible work out option, in my hardship letter I explain the reasons why I was not able to keep up with my mortgage payments. Due to me losing my job Penny Mac in demanding more proof I mean I am not paying my mortgage payment because of my loss of income. I was been forced by my ex employer to resign. I did n't want to lose my job however ; my XXXX has moved in and she is contribution towards my house hold income. I am working now but the money I am receiving is not the same, therefore I am hoping to be provided an affordable mortgage payment, so I can be current once again. My intentions are to keep my house.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$23000.00} account number XXXX XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$14000.00} account number XXXXXXXX XXXX XXXX Opened XX/XX/XXXX With a balance {$2500.00} XXXX XXXXXXXX XXXX opened XX/XX/XXXX with a balance of {$1700.00} XXXX account number XXXXXXXX XXXX  opened XX/XX/XXXX with a balanace of {$0.00} account number XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$9100.00} account number XXXX XXXXhere are also fraudulent addresses that shouldn't be reporting which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate account listed on my credit report. The account in question is listed under the name XXXX XXXX XXXX XXXXXXXX, account number XXXX, and pertains to a debt originally owed to XXXX XXXX. 

The details of the disputed account are as follows : - Account Type : Debt Buyer - Date Opened : XX/XX/XXXX - Delinquency Date : XX/XX/XXXX - Balance : {$3700.00} - Status : Collection account as of XX/XX/XXXX I have reason to believe that this account has been reported inaccurately, violating the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Inaccurate Reporting of the Account Date : The account was first delinquent on XX/XX/XXXX, yet it is reported as opened on XX/XX/XXXX. This misrepresentation of the account 's timeline is inaccurate and misleading, as the delinquency predates the reported opening date by several years. As such, this raises concerns about the validity of the reporting practices used by the debt collection agency. 

2. Unfair Collection Practices : The debt collection agency has engaged in unrealistic debt tactics by continuing to report inaccurate information and refusing to correct or delete the entry despite my previous disputes. 

Given the inaccuracies surrounding this account, I request that you immediately remove this erroneous entry from my credit report. 

Enclosed, please find the following documents to support my claim : 1. A copy of my credit report highlighting the disputed account.

2. Documentation of prior communications regarding the dispute. 

Please confirm in writing once this dispute has been resolved and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccuracies on my credit report I recently disputed with all three bureaus that took more then 30 days for any validation or verification documents to be sent to me I have recently these items are inaccurate and need to be removed
Product: Credit card or prepaid card

On XXXX XXXX, I booked a trip to LA for a wedding ( XXXX passengers ) through the Chase Ultimate Rewards program. I did not use any of my points, rather paid with my credit card for the trip. The wedding was postponed so I called Chase Rewards early XX/XX/XXXX to cancel the flight and get a refund. After speaking to XXXX associates and reviewing policy docs from XXXX XXXX and Chase, I was able to fight to get a partial refund and partial airline credit. I called chase rewards again on XX/XX/XXXX to confirm the refund was in progress and confirm the credit when I was told there was nothing in their notes that indicated I had a refund in progress. I spent over 3 hours on this call with someone named XXXX that indicated they had to listen to all of my previous calls in order to confirm what was promised. Therefore I waited while they put me on hold to listen to the calls which were hours long. Finally XXXX came back and said they were able to confirm the refund and credit ( after initially saying they couldnt confirm ). Due to the inconsistency I asked XXXX to email me confirming all the details. On this email and previous calls, I was quoted the refund will be issued within 2 billing cycles or within 60 days. I called late XX/XX/XXXX since my 2nd billing cycle ended and Chase Ultimate Rewards indicated it hasnt been 60 days therefore I would still need to wait past the 2 billing cycles. Today is XX/XX/XXXX and I still have not received the refund. I called today and am being given the same excuses and no solution. They basically scammed me and stole {$380.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! This is my second Time submitting a complaint regarding fraudulent inquiries on my credit report. XXXX  didn't remove a single inquiry when I submitted my Identity theft report and my ID. I am submitting again. PLEASE SEE THAT XXXX  Removes the inquiries as well as TRANSUNION. Thank You! I have provided my Identity theft report and my State ID
Product: Student loan

Hello, I have made several attempts to just get an explanation of each student loan I have with Navient. 
Each time I call, I do not get answers. I have 17 student loans which I have paid over {$44000.00} already. 
Loan 1 I owe {$3500.00} 2-Paid Off {$2800.00} 3-I owe {$2000.00} 4- Paid Off {$1200.00} 5- {$3100.00} I owe 6-Paid Off {$2300.00} 7-Paid off {$1900.00} 8- I owe {$3500.00} 9- I paid off {$2000.00} 10- I owe {$5500.00} 11-Paid Off {$320.00} 12-Paid Off {$120.00} 13-Paid Off XXXX 14- Paid Off {$1700.00} 15-Paid Off {$8400.00} 16-Paid Off but they have no info 17-I owe {$8000.00} I have paid in total just under {$45000.00}. If you add up what I have paid from above, this does not add up to that amount. I keep simply asking where is the rest of my money? Where has it gone to since the above adds up to only about {$23000.00}. And they are saying I still owe over {$25000.00} more. 
Each time I call they can not explain it to me and keep telling me someone will call me back. This has been going on since XX/XX/2019. 
I have all the proof of what has been paid and I just want more answers. 

Thank you, XXXX
Product: Debt collection

1692g. Validation of debts violation did not validate debt as of XX/XX/XXXX. 

1692f. Unfair practices 1692b. debt has been disputed within 30 days after I received notice. Filed multiple complaint with CFPB. Last response was received to the complaint was on XX/XX/XXXX they have no records. 
Violation of 20 US Code 1234e- Cease and desist law Receiving multiple phone calls after cease and desist letter was sent.

Violation of The Privacy Act of XXXX Disclosing our personal records to XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX. After they were not able to verify me on my request they email information marked as bad address. 

Name of XXXX XXXX XXXX XXXX is not clear when I called on the number they do not know who who this entity. This company is in TX but fax number is in CA. 
But the company name I called number is XXXXXXXX XXXX XXXX. 
No names on the notice to call any question for question. Notice that was mailed had no returning address. Only at one return mailing address stated but return mailing is XXXX XXXX XXXX. Documents inside was from XXXX XXXX XXXX and blacked out that no one can read. 

Recording with county recorders office to sell property is wrongful foreclosure recoding since they can not validate the the debt and have no records. 

Perjury its been sated I was provide CA work out solution and other CA laws is false. No such things took place. At one stage they modified the loan and I requested to remove escrow account since they no records this was refused. I sated I am not refusing loan modification. They sated they pried close to {$30000.00} in escrow account in less 8 months is perjury. Loan was purchased in XXXX, XXXX and property tax is {$2000.00} year.
Product: Credit card

Synchrony Bank, during the month of XXXX 2015 closed my Chevron Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Chevron Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Credit card

Issue with credit card transaction I disputed Dispute number XXXX Im asking for dispute to be re opened I opened dispute for this transaction and they claim its valid What proof did merchant provide Im left without my money and product I purchased Dispute needs a second review