23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have an American Express Blue Cash Everyday credit card. The card made me an online offer to refer a friend and receive a {$170.00} bonus if the friend activated their new AmEx card, and spent enough money on it. 

On XX/XX/scrub>, 2024 I referred a friend, through AmEx ' proper links.

I know for a fact that not only did my friend accept the referral, apply for a card, was approved, but that she spent enough money on her new AmEx card to receive her own new-card bonus.

I was supposed to receive my {$170.00} bonus up to 12 weeks after my friend took all the necessary to complete her application. I am yet to see the money.

Since AmEx makes it so difficult, cumbersome, and time-consuming to contact, I am going straight to a complaint.

And, AmEx- if you read this complaint please know that I can gather all the evidence from my friend regarding proof that you do owe me my referral bonus. Please pay up.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting

I wanted to do a credit freeze or lock on all bureaus for security reasons. This was easy to do on XXXX and XXXX. However, I found the TransUnion site to be misleading. I clicked on credit lock, entered the require data and was enrolled in credit monitoring, which I did not want. This service is XXXX/month. At no point during this " enrollment '' process did the site tell me what I was signing up for. I thought that it was just the credit lock. After the fact, I determined that they planned to charge me the monthly fee beginning XX/XX/XXXX. Then, I went through the process of cancelling the subscription, and called TransUnion to confirm that it was in fact cancelled. This misleading process to sign up for a credit lock/freeze should be fixed. The other bureaus sites were not a problem.
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 XX/XX/XXXX, XXXX XXXX XX/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 XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have hard inquiries from XXXX, XXXX XXXX, XXXX , XXXX XXXX , XXXX XXXX , XXXX  XXXX , XXXX XXXX , XXXX XXXX, and XXXX XXXX that needs to be removed immediately from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a false amount tied to how much is owed on my mortgage company? I called my mortgage and the Customer Service Manager stated, : no one at the mortgage company busted up how much you owe, and our records show {$160000.00}. XXXX  has {$170000.00}, which is inaccurate. Please have them fix my report. 

XXXX also have some collections on my account I do not know of or should have been removed. Items on my credit report has been on my record over 10 years. 

Not one item on my XXXX report are accurate. All collection accounts have been paid and the agency stating removing them however they just blow me off and drop my credit score by 64 points and then 14 points there after. 

Transunion have wrong information as well with collection actions, and incorrect amount om my mortgage company as well. This also dropped credit score by 64 points and 14 points. 

I have not missed payment with any creditor in the last 12 months. 

These companies are added fraudulent information to my credit report and stating it is the company. Not true it's them. My XXXX score is tied to XXXX, and Transunion on my membership with XXXX. I am been discriminated against these agencies to prevent me to get back on check to obtaining a very good credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following unauthorized account from my credit report. As a victim of a data breach, I have identified fraudulent activity tied to my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have this item blocked and removed from my report.

Fraudulent Account to Block and Delete : XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/year> - Balance : {$2400.00}
Product: Payday loan, title loan, or personal loan

I received a letter dated XXXX XXXX from Scratch Services LLC XXXX XXXX XXXX XXXX California XXXX The letter stated I was in " default '' for a XXXX loan offered within XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The amount of the loan was XXXX due by XX/XX/XXXX with threats in the letter of legal proceedings if not paid by the XX/XX/XXXX date. I have no idea what this is. I have never applied for a loan of this type and have never received ANY money from XXXX XXXXXXXX XXXX or Scratch LLC. I do not own or operate a business of any kind. I have attempted on several occasions to contact XXXX XXXX at the number provided on the letter I received ( ( XXXX ) XXXX to discuss this matter but have been unsuccessful. My most recent attempt to talk with XXXX representatives was this morning ( XX/XX/XXXX ) where I was on hold ( once again ) for over an hour before finally hanging up. I also sent an email today ( XX/XX/XXXX ) to the email address listed on the letter to XXXX communicating to them basically the same information I am currently communicating to you. In the email letter to them I requested they take immediate steps to investigate & correct this fraud attempt. Unfortunately, I have experienced identity theft in the past and have worked hard to protect myself from this type of theft / fraud. I do not want something like this to damage my credit rating or my name. If you can please investigate this fraud I would appreciate it a great deal.
Product: Prepaid card

I have XXXX Prepaid Cards issued through Citi Bank from XXXX. I have filed XXXX claims because money was not refunded on my card. I have sent documentation in 3 times. The money has not been refunded on my card and I have been going through this since the end of XXXX. They just sent me another letter wanting me to submit the same information that I already have. I want this issue fixed immediately.
Product: Mortgage

Good afternoon, hope all is well ... I have tried to get the bank to remove this off my credit report ... According the them we were late on our payments for over a year, which is not correct we have made every payment on time, anyway they end up selling to another lender whom we have also never been late with ... please if you could remove this from my credit report, it is Home loan services account # XXXX ... thank you in advance. XXXX,
Product: Checking or savings account

I opened a new checking account with XXXX online in XX/XX/2020 and made an electronic deposit for {$1500.00} from my XXXX checking account. They collected the funds then immediately froze my online Chase account for suspected fraud. When I called they verified my customer information including my existing user ID with Chase and unfroze the online account. They advised that regardless of my verification, the new checking account was going to be closed and the money I deposited electronically was being returned to my XXXX account. That was totally false as Chase gladly collected funds and kept my money. I have had a relationship with Chase for many years with Chase credit cards. This account should have not been close for fraud. They did not give me an opportunity to resolve this as I took action right away when I noticed my online ID was frozen. I did not receive notification by mail or any notification of where my funds were or how I could get my money back. When I called Chase they refused to send me a refund of my money and would not let me send in proof of my identification to verify. This new account was opened by me and should have not been closed as it was valid. I tried to take advantage of a {$200.00} new account offer and it was forfeited due to negligence of Chase. Four months later I was advised I had to go in person to a branch during a pandemic. I was advised when I go in a branch and show my identification the check will be mailed within a few days.I am XXXX years old and this caused hardship hardship for me and my family. On XX/XX/XXXX I went into the branch and they verified my I.D . but they would not give me my money in the branch. They told me the check would be mailed. It has been over 10 days and I have still not received my refund check. Chase is deceitful and Chase should be penalized for their poor business practices.
Product: Credit card

American Express is reporting an account on my credit report that I am no longer an authorized user on. I would like the XXXX American Express accounts that are currently showing balances removed from my credit report
Product: Checking or savings account

My mother passed away on XX/XX/21. She had a 401k ( $ 150k ) and brokerage account ( $ 50k ) at Merrill Lynch. The 401k listed four children as beneficiaries. We provided the death certificate snd all other requested documentation and have been waiting months for the distribution. We were forced to open ML accounts that we did not want in order to do this. We have also not received the proceeds from the brokerage acct. I have called daily for WEEKS and keep getting soon or tomorrow or next week. Still nothing months later.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed on my XXXX credit report that I had a Wells Fargo credit card that was overdrawn for XXXX dollars that I did not do. I also did not open a Wells Fargo credit card. I went to the bank to confirm this and was told everything on the account was incorrect regarding my mailing address, phone number, email. I contacted the Wells Fargo fraud department and told them that I have no credit card and that it was fraud. From there I was told it was going to be looked into and contacted later but got no reply. Checking my XXXX  account in XXXX I noticed that Wells Fagro closed the account but in XX/XX/XXXX the Wells Fargo says I now owe XXXX dollars.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report, and noticed i had a fraudulents accounts, please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you. 



Type : XXXX  XXXX XXXX  Status : XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX Closing Date : XX/XX/year> XXXX  Amount : {$XXXX} XXXX  : XXXX XXXX  XXXX XXXX XXXX {$XXXX} XXXX  Amount : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX in regards to the credit card I have with them ending in XXXX. I have had this card for major than a year, my credit card is not being reported to XXXX, XXXX XXXX or Equifax. The card is not prepaid, ALSO my credit score was in the mid 500 at the time I applied, now my score on XXXX in reflecting XXXX, XXXX XXXX uses XXXX XXXX which reflects XXXX, TransUnion reflects XXXX and Equifax shows no score. XXXX XXXX Fails to report my score to XXXX, XXXX XXXX and Equifax which does not help my bank with the application for a home loan.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX  Account Number : XXXX Bankruptcy Account Number : XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), Contents of Complaint : I am writing to request and investigation of the following accounts I have NEVERED opened or use the accounts listed below Im requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request The accounts consist of an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I signed an agreement with XXXX XXXX XXXX owned by XXXX XXXX and XXXX XXXX. The agreement contained mutual out clause with XXXX days notice. The merchant breached the agreement and disclosed private information on XXXX in the initial weeks of the agreement, they then failed to adhere to the services purchased which was intellectual property ( XXXX Websites plus management of my XXXX XXXX ). I continued until XX/XX/XXXX to get them to honor the agreement and remove my information which was seen by XXXX XXXX people. On that day they assigned me another website drop shipping store that also did not deliver the benefits included in the statement of work embedded in the contract. As of XX/XX/XXXX the one store assigned for that week dropped down to {$0.00} and never met the stated benefit that I would receive as revenue for their service. Amex continued to say something about me being in a XXXX month agreement however as of the date of my initial request to Amex to recover the lost funds which would have been in XXXX of XXXX, I no longer have access to any intellectual property or the revenue generated. XXXX XXXX took all the stores back and the profits received or not received. 

I notified all my credit card companies and worked to recover the {$120000.00} I paid for a turnkey service. While all the other companies have refunded my money ; Amex refused to recover {$42000.00}. I've reached out to Amex multiple times after following their dispute process which should have been listed as fraud from the start and each time I provided an absorbent amount of documentation they closed the dispute in favor of XXXX XXXX XXXX. Each time I contacted Amex to send me the correspondence they received from XXXX XXXX they sent me an automated email saying check the website for secured messages. However once I notified Amex about the fraud and initial situation they replaced all my cards so the automated emails referenced my old account then the website would not show any information for the card that I replaced only the new card. This has been a disaster and while I have zero balances on my amex cards, the funds at the early direction of XXXX  at XXXX XXXX was transferred to two individual banks ( XXXX XXXX and XXXX XXXX XXXX  ). I need amex as the purchaser of record to retrieve the money back for services paid for but not rendered so that the balances at the other two banks can be paid off. I'm currently work in with a Special Agent at the FBI with regards to the felony theft and use of personal identification and cards for XXXX XXXX  but I need the government to force Amex to retrieve the funds for services not rendered especially since I put a XXXX day out clause.
Product: Money transfer, virtual currency, or money service

I live in XXXX, TX. I have a CashApp account where I had a total amount of {$3200.00} On saturday XX/XX/XXXX at XXXX, an unknown transaction was made suing my CashApp information at XXXX XXXX XXXX  '' in XXXX XXXX , NJ of {$0.00}. The second transaction was made at XXXX in ''XXXX XXXX '' in XXXX, NY for {$1.00}. Starting at XXXX and stopping at XXXX, 30 transactions od {$100.00} each were made at XXXX in XXXX XXXX , NY. The last transaction of {$100.00} was declined due to not having enough money in my account. Starting at XXXX and stopping at XXXX, 3 transactions of {$25.00} were made until the third one got decline because I transfer the last {$24.00} that were left in my account to my Bank and I proceed with the deactivation of the card made by me, XXXX XXXX XXXX XXXX , because I didn't know who was withdrawing this money from my account. I got {$3200.00} stolen from my CashApp account on Saturday XX/XX/XXXX and nobody is helping or assisting me through this situation. 

After disabling my CashApp card, I tried reaching to CashApp customer service through phone, where only a machine gives you directions to report your card as stolen or lost, or instructions about how to reach CashApp through email, and they will be available to contact me in 48hrs. I've sent 3 emails to CashApp, it's been more than 48hrs and they haven't reached out to me through email. I left my phone number too and haven't gotten any calls back.I texted them through their social medias such as XXXX, and through XXXX I reached out to CashApp account and also CashAppSupport account privately and commenting on posts, and nothing has happened. 

I placed a police report for Fraud and accepted to press charges towards this company. 
I lost the money I've been saving to return to school through an App that is not taking or showing responsibility towards my situation. They are not responding back to me, and I would like to make a claim towards this business, hoping this can help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX Balance XXXX {$470.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to re-finance my XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I was doing this so I could get a lower payment amount by starting a new loan even though the APR would increase by about 1.5 %. 

I have made all payments on time. I have made all payments on ALL of my credit cards on time as well since I have re-established my credit. 

Apparently, I 've opened too many charge cards ( 6 ), and my credit score has decreased by over 100 points even though I pay them on time. 

So, how is it that the credit bureaus can just keep lowering my credit score just because I am " using '' my established credit? A balance increases on a credit card ; they take points off of my FICO score. I make more than the minimum payment every month, but they do n't increase my credit score for that. I get a new account ; they lower my credit score. I have an inquiry, they lower the credit score. How is it that I get punished for NOT making payments, but I do n't get credit for making my payments timely? 

I 'm XXXX years old, and I rent a town home. I am a veteran, and I qualify for a XXXX down VA loan. BUT, I ca n't get financed because my score just keeps going down even though I make my payments timely. I need to move my mom in which means needing to move, but the rents here in CA have skyrocketed to ridiculous amounts. I use my cards to help my mom with medicines etc. I 'm being punished for it, and it 's taking a toll on my emotions. 

Do you have any suggestions? 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the course of reviewing my credit report, I spotted an erroneous and unverified account that need reporting and correction through your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 609 dispute letter addressing the fraudulent information that was reporting on credit report and its been well over 30 days and I havent gotten any response from the creditor. They are not abiding by the law because the fraudulent information was not verified within the time frame allotted by the law so therefore should be deleted off my credit report.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00}