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

On XX/XX/XXXX, I sent a secure message to Comenity Bank in the online account servicing website for my Ann Taylor MasterCard requesting a waiver of the late fee and interest assessed on my XX/XX/XXXXstatement. I received a reply on XX/XX/XXXX, granting a courtesy credit for the {$27.00} late fee that had been assessed. However, when I viewed the online account activity for my card, the late fee correction appeared as an additional debit of {$27.00} dated XX/XX/XXXX rather than the expected credit. In my XX/XX/XXXX statement, a {$27.00} " other debits '' entry appeared in the summary of account activity, increasing the final statement balance, and the " LATE FEE CORRECTION '' transaction appeared as an additional charge rather than the expected credit. This additional charge was not what I expected from my request. On XX/XX/XXXX, I sent a reply to the secure message I had received in XX/XX/XXXX requesting that the late fee credit be properly processed. I received a reply on XX/XX/XXXX claiming that a proper {$27.00} late fee credit would be applied, but when I checked the associated account activity, I saw that a second " LATE FEE CORRECTION '' transaction for XX/XX/XXXX had appeared with an improper {$27.00} debit instead of the credits I desired. The two {$27.00} debits on my account are not legitimate fee assessments, as I have not made any recent late payments on my account, and I do not believe they are appropriate methods of addressing my initial request to waive a past late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXXXXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX - XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

please review the following accounts that appear on my credit report, they do not belong to me, and are hurting me XXXX Account Number : XXXX This is not mine. 
Identity Theft DEPT OF ED/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 
Identity Theft DEPT OF ED/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF ED/XXXX  Account Number : XXXX This is not mine.
Product: Checking or savings account

My PenFed CD account matured on XXXX XXXX, and i requested prior to maturing, that funds be disbursed by PenFed check. As of today, XXXX of XXXX, I have not received a check, per PenFed it was 'mailed out ' day after maturity, address verified. Yesterday morning, Penfed agent agreed to put stop payment on check, and make the funds available in my PenFed savings account, and transfer to my external. 
As of this hour XXXX CT, i have no access to the funds,18 days after the account matured.
Product: Credit card or prepaid card

Used Wells Fargo Cash Wise Visa Card 's " Cellular Telephone Protection '' benefit. Contacted customer service representative & began claims process on XXXX XXXX XXXX ( claim number : XXXX ). After submitting all necessary information, my claim was under review. On XXXX XXXX XXXX my claim was denied due to certain types of damage not covered ( I had issues with my cell phone 's microphone not working ). 

I contacted customer service and they told me it was due to electrical/mechanical issues of cell phones are not covered under this benefit. However, on their Cell Phone Protection Guide to Benefits ( located here : https :  //www08.wellsfargomedia.comXXXX ) there is no clause that states that. The agreement I have with this benefit should cover the reimbursement of my charges, but customer service repeatedly denied my claim.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. NJ XXXX Phone # XXXX paid the taxes on the wrong property i have been dealing with them for almost 3 months i have showed them the correct tax documents from XXXX county tax office. Every time i call i get a different answer and they tell me they are trying to get it all straight. But the tax office told me that they still have not received a request for a refund and no attempt has been made to pay the correct tax. They paid taxes on XXXX county tax account Number : XXXX, in the amount of {$1100.00} when they should have paid the taxes on Account Number : XXXX in the amount of {$24.00}. as you can see that is a big difference. They paid the taxes correct on my house but not on the lot beside it. And now the county is telling me that if they do not request a refund by XX/XX/XXXX the first they that the county will not refund the money. Can someone please help me. I just want them to get my money back and correct there mistake. and fix my account they raised my house payment because they paid the wrong taxes and think that that 's what my yearly taxes are.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXXXXXX. ACCOUNT # XXXX XXXX XXXX XXXXXXXX. ACCOUNT # XXXX XXXXXXXX XXXX XXXXXXXX. ACCOUNT # XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ACCOUNT # XXXX XXXX DEPARTMENT XXXXF EDU XXXX ACCOUNT # XXXX XXXX DEPARTMENT OF EDU. ACCOUNT # XXXX XXXX DEPARTMENT XXXX XXXX. ACCOUNT # XXXX U.S. DEPARTMENT OF EDU. ACCOUNT # XXXX 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

In accordance to the Fair Credit Reporting Act the list below has violated my rights under 15 USC 1681 Account info Account name XXXX  XXXX BANK Account number XXXX Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Record details Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX XXXX XXXX XXXX
Product: Credit reporting

today experian ( automated ) refused to investigate XXXX, XXXX ... CITING FCRA REGARDING FRIVOLOUS DISPUTES. 
THE PAYMENT HISTORY IS INACCURATE '' ON THE FACE OF THE RECORD ''. 
CITING FCRA ( UNCITED ) REGARGING ENTITLEMENT OF ACCURATE REPORTING EXPERIAN MUST REMOVE IMMEDIATELY THE PAYMENT HISTORY OR THE ACCOUNT. IF EXPERIAN CAN NOT SEE THE INACCURACY ON THE FACE OF THE RECORD ... THEN EXPERIAN SHOULD HIRE EDUCATED PEOPLE WHO CAN, " ON THE FACE OF THE RECORD '' IS LEGAL TERMINOLOGY
Product: Payday loan, title loan, personal loan, or advance loan

company wont allow me to make any payments unless its cash payments and they wont allow me to make partial payments unless cash they are refusing my payments
Product: Credit card

Capital One closed my credit card account XX/XX/XXXX and if it wasn't for all the past due fees, I would have the account paid in full. On XX/XX/XXXX {$40.00}, XX/XX/XXXX {$25.00}, XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}. It appears that that Capital One is trying to make me fail. My balance is only {$230.00}, so I am trying and before they closed my account for no reason, I never missed a payment or anything so I don't understand and I don't feel like I owe these late charges.
Product: Vehicle loan or lease

This is a secondary Complaint to Complaint # XXXX : the answer from Nissan Motor was entirely unresponsive. HEADLINE : I have, and have attached, legal Power of  Attorney. There were numerous docs sent with Complaint, but I am sending only 1 attached document. 

I ask for a responsive answer to Complaint # XXXX, base upon the fact that I possess Power of Attorney for the owner of the financial document, XXXX XXXX. 

I have submitted a Response to Nissan Motor 's Answer as being unresponsive : kindly, submit a productive answer ; or open a dialogue in order to resolve this matter and prevent further action.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX XXXX  were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my XXXX contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said account. The account payment history is reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Kindly update or correct the payment history of this reporting account as soon as possible. If you don't comply with the request, the account should be repaired right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any account which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items.XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, If you feel there is a possibility these account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I purchased a cruise using two credit cards. I had to use two cards as the cost of the trip exceeded the credit line of my primary credit card. The cruise line cancelled the cruise on XX/XX/XXXX and I was notified by my travel agent via an email. I submitted my refund request with the cruise line on XX/XX/XXXX and called them to verify that they received my refund request. The cruise company did not provide any written confirmation of my request. 

The cruise line stated that they may not issue the refund for several months. Their policy is a violation of the credit card merchant agreement and federal law. So, I notified both credit card companies in XXXX and they advised that they would take action if the refund was not processed by XX/XX/XXXX. 

One of the cards issued the credit on XX/XX/XXXX. 

Synchrony Bank has taken no apparent action and almost two months after I initially contacted them, and made two follow-up phone calls, they are now asking for proof of the cancellation. This indicates that they have not even contacted the cruise company. The cancellation notices are public information and all international travel is suspended. Anyway, I have provided it to them. 
I filed the disputes with the credit card companies because I am concerned that the cruise line will go bankrupt and I will be responsible to pay for a trip that was cancelled. 

I hope you can intervene and get the refund expedited. I also want people to know that they should avoid using Synchrony Bank credit cards. Thank you.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I contacted XXXX XXXX and told them I wanted to lay my debt of XXXX   dollars and change. I was then told it was already in their legal department and their lawyer filed a case so I owed interest and lawyers fees. I was then told rudely if I dont show up on Monday XX/XX/XXXX to pay I was done and would be taken to court. I contacted the law office and the secretary had no idea what I was talking about cause they do injury claims.
Product: Credit reporting or other personal consumer reports

Experian reports that XXXX is sending them information that the following address is associated with my card account, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX However, XXXX is sending them incorrect city name ; the correct city name is XXXXXXXX XXXX XXXX Can you make that correction to the data you send Experian please?
Product: Credit reporting or other personal consumer reports

On XXXX XXXX  2024, I was given hard inquiry on my XXXX credit report from American Express, but I did nothing to be given an inquiry at the moment from American Express I did not apply for anything whatsoever. I was notified of this by XXXX XXXX. I immediately called American Express to try and get this situation figured out. I explained to them how there was an inquiry given to me for no reason, they then checked to see what was causing this inquiry and could not figure out what would be causing an inquiry on XXXX XXXX 2024. I was then told by them to contact transunion to figure it out. I immediately did so, when I got on the line with a XXXX representative I explained the whole situation, they then checked and confirmed that their was a hard inquiry from American Express put on my report that day which was XXXX XXXX 2024. I was then told in order for me to get this inquiry removed I would have to contact American Express and get an inquiry deletion letter from them. I would then have to write my own letter with a request to delete the inquiry, and then combine the XXXX letters and send it to transunion, in order to get it removed. So I proceeded to call American Express back to try and get a deletion letter, but like before they could not figure out what was causing an inquiry on XXXX XXXX 2024. They told me that their were no applications or accounts that would cause an inquiry on XX/XX/XXXX therefore there is nothing that can be done on their behalf nor can they give me an inquiry deletion letter. This left me with nothing to do, I cant get XXXX to delete the inquiry without a deletion letter from American Express and I can not get a deletion letter from American Express because their is nothing showing as to why their would be an inquiry reporting to my account on XXXX XXXX 2024.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX bank Delaware XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX BANK DELAWARE ] - [ XXXX ] Equifax XXXX XXXX & XXXX Equifax : XXXX XXXX : XXXX XXXX BANK DELAWARE XXXX XXXX XXXX XXXX XXXX : XXXX & XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Consumer portfolio services failed to accept my notes for deposit and discharge. I've made several attempts to tender payment. XXXX XXXX XXXX XXXX XXXX XXXX If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender... on XX/XX/XXXX i received a letter from consumer portfolio services demanding payment in any [ particular ] form of coin or currency or legal tender which violates ( XXXX. ),
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card

XX/XX/XXXXRe : American Express DisputeDear Madam or Sir, I am writing to provide you details about a credit card dispute I am having with American Express about an unauthorized charge made to my account XXXX by XXXX XXXX, XXXX. I am disputing the full charge, {$330.00}, made to my account by this merchant on XXXX. Additionally, I am disputing the foreign transaction charge made to my account by American Express. What follows is the sequence of events relating to these charges : XXXX : I booked a vacation to XXXX XXXX, XXXX XXXX, on my American Express account XXXX, paying for XXXX plane tickets at {$820.00} each and for XXXX down payment to the resort of {$270.00}. The balance of the vacation was to be paid for on my arrival at the resort on XXXX. I authorized no other charges. 
XX/XX/XXXX : American Express allowed my account XXXX to be charged {$330.00} ( plus associated foreign transaction charge ) for an unauthorized transaction by an unauthorized merchant from a third-world country. 
XX/XX/XXXX : I arrived in XXXX XXXX, XXXX XXXX, and paid the resort for the full balance of my trip, not including the {$330.00} charge ( of which I was not aware ), using my XXXX account XXXX ( documentation provided to American Express through website upload ). 
XXXX : I discovered the {$330.00} charge on my card and, not recognizing the charge, immediately filed Dispute XXXX. 
XX/XX/XXXX : I received notification from American Express that the charge was related to my vacation and that my dispute had been closed. I then filed Dispute XXXX, suggesting that the charge was not authorized and providing documentation from American Express and XXXX that I had paid for the trip in full through my XX/XX/XXXX, and XX/XX/XXXX, charges. 
XX/XX/XXXX : I received notification from American Express that the charge would stand, and that I should attempt to work with the merchant to resolve it, thus I filed Dispute XXXX. 
XX/XX/XXXX : I found on American Express ' website that all but {$100.00} of the charge would stand. I was not even sent notice ; instead, I had to call American Express to find this out, at which time I opened a XXXX dispute. 

The XX/XX/XXXX, charge of {$330.00} was not authorized and thus constitutes a theft from me facilitated by American Express. I paid for my stay at the resort in full through my XX/XX/XXXX, and XX/XX/XXXX, charges. The {$330.00} was an amount charged to my account above and beyond what I agreed to pay for the vacation. American Express allowed the charge in error and must resolve this issue with the merchant immediately. I have spent more than XXXX hours of my time trying to resolve this issue with American Express, talking with several of its representatives on the phone, providing multiple documents through its website, etc. I am thus asking for your help to resolve this issue. 

XXXX XXXX
Product: Credit card

I have a Lowes XXXX Account through Synchrony. All was fine for several years but this year they just stopped sending my statements, which is their legal obligation as a lender. So without knowing what was owed, or what the purchases, I wasn't given the ability to make payment. So then the late fees come in, and the high interest charged each month. They would call and ask for some sort of payment on the phone and i told them sure, send me the payment so i know what its for! And they never did so. Then they close my account and hit my credit score!