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

XX/XX/XXXX : Charged {$2500.00} to XXXX  XX/XX/XXXX : XXXX canceled trip due to Covid-19 XXXX : We live in XXXX, NY Our original trip used XXXX XXXX out of XXXX. We could not get into XXXX for over a year, therefore could not book a trip out of XXXX. XXXX  was very difficult to work with. We contacted Capital One to request a refund for services not rendered. 

XX/XX/XXXX : Capital One rejects request XXXX : XXXX border opens up. We attempt to rebook with XXXX. No vacations are available. 

XX/XX/XXXX : XXXX agent, XXXX XXXX, puts in writing that we must book by XX/XX/XXXX, however, the vacation dates can be past XX/XX/XXXX. 

XXXX : We attempt to rebook with XXXX  We finally got XXXX to change our flights from bulk flights to published flights making it easier to book a trip. XXXX XXXX of XXXX we are told that we must travel before XX/XX/XXXX. In other words we had to plan a family vacation in two weeks when we have in writing that we only needed to book a trip by XX/XX/XXXX. 

XX/XX/XXXX : We, for the 2nd time, contacted Capital One to request a refund for services not rendered. 

XX/XX/XXXX : Capital One rejects request
Product: Debt or credit management

they are attempting to collect on a debt i dont owe. never recieved any service nor have i ever done any business with this company NCB Management services! never heard of them.
Product: Credit reporting or other personal consumer reports

I dont recognized nor did I apply for any credit from these companies.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX 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 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, credit repair services, or other personal consumer reports

XX/XX/17-Paid {$400.00} Paid to have bad debt removed off my credit and they did n't do so
Product: Credit reporting or other personal consumer reports

I GOT THE RESULTS BACK FROM MY DISPUTES AND EVERYTHING CAME BACK VERIFIED. THE ACCOUNTS I DISPUTED HAD SEVERAL INACCURACUES BETWEEN EXPERIAN, EQUIFAX, AND TRANSUNION IN THE PAYMENT HISTORY AND THE DATE OF LAST ACTIVITY. THIS IS A VIOLATION OF THE FCRA AND NOTHING I REQUESTED BECAUSE OF THESE INACCURACIES WAS DONE.I ASKED CERTAIN ACCOUNTS TO BE DELETED. I WILL BE TAKING FURTHER ACTION IF THIS IS NOT RESOLVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$530.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023, I have been trying to solve a problem with an account that reports on EXPERIAN, where for my part I send all the requested information, identity theft report ( FTC ) documentation that they as an agency are sharing incomplete information in which it is established by the FCRA law, the information must be verified and confirmed, and during more than 5 claims made to the company and the credit agency this information has not been modified and on the contrary I am notified by letters that the information is correct and accurate. 

I have done everything on my part, to solve this problem and ask responsibly that my rights be respected, sending letters with sufficient evidence, uploading through their website which is www.experian.com/upload, and making calls to talk with the supervisors so that this information is taken responsibly and I am only notified that they can dispute the information again and wait 30 days again for the result to be the same. 

I understand that as a credit reporting agency, experian has the obligation to verify that the information to be disputed is corrected or otherwise removed from the report. Unfortunately, EXPERIAN only notifies me that the company verified the information and they continue to share incorrect and inaccurate information in my credit report without taking into account all the documentation sent. 

As you can see for more than 5 months this company has lost information so it does not report anything in my report and they simply sent me a report assuring that the information disputed with XXXX is correct and accurate but they do not check that the information is still incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to MEDICREDIT , INC . Thanks!
Product: Credit card or prepaid card

I have reached out to American Express over 50 times about this matter and each time American Express has promised to correct their error and post my missing 140,000 points from an upgrade offer to their platinum card. It has been since XX/XX/2023 that American Express has been expressly promising to correct their technical issue and issue the points to me manually. They have promised it over a dozen times in writing over their chat feature. 

After their agents are improperly trained and escalations to managers fail, because managers fail to perform their tasks, I have filed a complaint with consumer protection buerau. American Express has promised to correct over 1 month ago. I have since reached out to their customer service over chat and again they are telling me that my points are coming and they are working on resolving. American Express terms and conditions stated 8-12 weeks at the maximum, and it has now been nearly 180 days, or 25 weeks. It seems that American Express has very poor internal processes so when a technical issue has caused the error and affected my account and failed to credit my account with 140,000 points, the employees and senior managers at American Express are either unable to execute due to poor training or they are purely negligent. 

Please escalate to higher levels as this is ridiculous. Please put pressure on American Express to deliver their end of the terms, which are no significantly outside of their terms and conditions. If Amex continues to fail to correct this, I will be looking to take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing a debt showing on my credit report by Portfolio Recovery for the amount of XXXX and XXXX

 I submitted a dispute on XX/XX/2018 via here I sent both my social as well as I requested from the company to show proof that it was my debt the company is saying that they sent debt validation which is not true all they sent was a paper that says XXXX XXXX XXXX and XXXX XXXX XXXX via here.

 Just sending a paper that shows someone's name similar to mine does not make it my debt no idea who either of those two people are and why is there a debt that is been said that is mine when is not.

No history of payments or written contract has been sent showing and reflecting that both of the debts are mine.

This is affecting my credit worthiness and my ability to obtain credit  I need both of this debts to be removed from the credit bureaus as well as  for this debt to be taken out of my name never had the accounts that it continues to say that I had.
Product: Debt collection

The company is Transworld Systems Inc. 
I got a letter dated XX/XX/2020, stating that I owe them XXXX. I reported this account under identity theft and possible fraud. I had no knowledge of this account. This account might have been opened by now deceased father who has the same name. I submitted the Identity Theft Affidavdit and police reports. However they are still trying to collect on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. Also I'm victim of true identity theft, and the listed accounts below don't belong to me. 

I directed Experian, XXXX, and XXXX to reinvestigate these accounts, I even sent certified mail, and spoke to countless people at all three reporting agencies sent over all of the requested correspondence that I believe was disregarded. To be clear these accounts don't belong to me, remove them expeditiously. 

XXXX : Account # - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : DEPARTMENT STORES XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX - Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

We have our accounts with Wells Fargo and use Bill pay through them. We had paid the first few payments and they got them to XXXX XXXX  with no problem. About XX/XX/XXXX XXXX XXXX contacted me to say they got no payment. I checked with Bill pay and it is set up to do a monthly payment and confirmed that it was sent on XX/XX/XXXX. I contacted Wells Fargo both on phone several times and also two times in person at the branch near my home. According to their records it was paid. So I continued to send the next months payment which would be XXXX also and they claim they never received the payment at XXXX XXXX. 
I have spoken to both XXXX  and Wells Fargo at least 15 times two times it was a conference call. Wells Fargo has debited my account for the payment both months but no one seems to do or really care how long this process takes. 
It took me 3-4 phone calls to XXXX  for them to understand that this was not a check in the mail. It was send electronically from Wells Fargo to XXXX  and has been accepted on their end and put somewhere. Two seperate times Wells Fargo and I have sent proof of payment to XXXX XXXX and after their 5 day review they do not accept the proof. I have talked to an attorney and everything he told me to get from the two banks they tell me I can not have this information such as routing and other particulars. 
I really do not know where to turn. They write letters about foreclosure, they have contacted credit bureau on us also. 
We are seniors my hubby is XXXX and XXXX and very XXXX  and I am taking care of him. This hardship is killing my ability to care for him. 
Please help me if you can neither of these banks seem to know how to solve a problem.
Product: Credit card

On XXXX XXXX 2015, JP Morgan Chase sent me a text alert about potential fraud on XXXX of my credit cards. They asked if I had used this card at a computer store for X amount of {$.00} and I replied 'no '. I then called JP Morgan Chase and spoke with a representative. They advised they were closing my account and would send me a new card in its place. Now, what 's important to note here is I have not used this card in easily 1 year. However, I assumed maybe a store I had used this card at in the past, experienced a data breach and said store retained my credit card information for X amount of time and that was stolen. I did n't put much thought into it, up until now. The new card I received by JP Morgan Chase was AGAIN compromised. What is EXTREMELY important to note is that I neither activated, nor used said credit card since receiving it. It has been sitting in my drawer at home. On XXXX XXXX 2015, JP Morgan Chase sent me another text alert about potential fraud, once again, on this new card. They asked if I had used this card at a men 's clothing store for X amount of {$.00} and I replied 'no '. I then called JP Morgan Chase and spoke with a representative. They advised they were closing my account and would send a new card in its place. I advised this was completely unacceptable and I did NOT want a new card ; I wanted the account closed out for good as security within JP Morgan Chase is highly concerning. They went ahead and closed my account. When I mentioned to the woman that I have neither activated nor used said card which I 've had for just over a month, all she could tell me was " there have been a lot of data breaches going on ''. It is my firm belief that JP Morgan Chase is either : a ) completely unaware that they are experiencing data breaches of their systems directly, which hackers are stealing CC information from, or, b ) they are fully aware of this and are trying to keep it quiet. Either way, JP Morgan Chase has a *serious* problem that needs to be addressed immediately. Credit Card information ( maybe even SSN 's, etc ) is being stolen directly from JP Morgan Chase 's networks, and they are n't even informing their customers.
Product: Checking or savings account

My personal checking account was frozen and essentially closed by Wells Fargo, without my consent, on XX/XX/year>. I was identified as a " risk '' to the bank because I frequently use XXXX, a service offered by the bank and often withdraw my money as soon as its available. I also frequently make small purchases at XXXX XXXX XXXX cash bank at the register. I have an honest, practical reason for doing so. 

I reside in XXXXXXXX XXXX The nearest Wells Fargo branch to me is located in XXXX, Illinois approximately 213 miles from my home. As a result, it is nearly impossible for me to do basic tasks associated with having a checking account such as make deposits and free ATM withdrawals. When I use " foreign '' ATM machines not associated with Wells Fargo I incur two fees. One from the other bank and a {$2.00} fee from Wells Fargo. This occurs every transaction. I essentially began using XXXX XXXX XXXX bank system as a free way to withdraw money. I'd make small purchases and get cash back in {$100.00} increments until I had the cash I needed. 

I used XXXX, sending/receiving money from my wife and maternal aunt as a means of depositing money in my account. Aside from direct deposits from my job I had no other means of depositing money because again, the nearest branch is nearly four hours away. I had to do everything electronically. I understand my account may have been flagged, but this entire situation could have been prevented by a phone call or allowing me to respond. 

Closing my account abruptly has caused me great anguish and inconvenience. All of my pending deposits were blocked including a payroll deposit that was returned to my employer. I have to find a new bank and cancel all of my bills attached to that account. I imagine I am also now flagged as a fraud risk for all of the other banks/credit unions etc. when I apply for new accounts. I haven't done anything to deserve this. I will likely have great trouble opening new accounts because of this error made by Wells Fargo. 

I also have to rely on the word of customer service representatives who are basically hypothesizing about my situation. I have yet to receive a clear explanation from the bank, in writing or otherwise, explaining why my account ( which has always been in good standing ) was closed so abruptly. I feel I have been wronged. 

As a result of the closure and blocked deposits my account currently stands at - {$1800.00}. I have to contact payroll to see if and how my employer can reissue my check for XX/XX/year>. My aunt 's XX/XX/XXXX XXXX payment to me for {$1000.00} is now also in limbo as Wells Fargo blocked it but it was still withdrawn from her account, we are awaiting the result of a dispute she was forced to file with her bank. They are claiming it shows it was received by my WF account but it was not.
Product: Credit reporting or other personal consumer reports

Transunion, remove XXXX XXXX from my credit report for inaccuracies. You said it was last active in XX/XX/XXXX  while XXXX said it was last active in XX/XX/XXXX  and XXXX said it was last active in XX/XX/2023. Remove immediately this account as it is inaccurate. Keeping it on my report will be a violation of the FCRA!
Product: Debt collection

My bank account was emptied and a bank fee was charged this account, due to a Writ of Garnishment dated XX/XX/XXXX, this is all coming from an alleged judgement that is over 10 years old in which I was never given service or notice and a default judgment was entered  on XX/XX/XXXX in New Mexico District Court, but I was never informed or given notice of a Complaint or Judgment. 
After Ten Years and Eight Months with no contact or collection activity on XX/XX/XXXX attorney XXXX XXXX XXXX, filed to reopen the court case against me after Over Ten years after the Judgment was given and this same attorney filed an application for Writ of Garnishment, the judge issued the writ and my savings account was emptied. 
I have never received any notices from this court or attorney and this alleged judgment was filed without my knowledge. The Bank has now given me a collection agency Name and Number that I am to contact if I have any questions, this company is Machol & Johannes , LLC. ( XXXX ) XXXX. 
I believe the judgment is expired and invalid, the alleged debt is being illegally collected and the collection agency is trying to collect on a debt illegally without notice that has long since expired or is noncollectable.
Product: Bank account or service

On XXXX XXXX 2016 my Discover Credit Card had a fraudulent charge and it was canceled and a new one issued. I received the new Discover credit card on XXXX XXXX and activated it with no problems. However I have not been able to log into by Discover Bank account ever since this date. Discover Customer Service keeps telling me it is a technical issue. It is unbelievable to me that 21 days later I can not log into my Discover on line Bank account due to a Discover Credit Card issue. Discover Bank is an online bank. I need online access to it.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further, my personal information is incorrect as listed. 

My name is spelled XXXX XXXX, Address : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, South Dakota XXXX. NO other names or addresses are associated with my or my consumer account. All direct violations of my privacy. and 15USC1681. You have never had my permission, written or expresses or implied to have this information.

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.

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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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.