23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Ref : XXXX Account ending : XXXX To whom it may concern ; I opened an account with AMEX credit cards, -around XXXX XXXX- in fact I upgraded one of my AMEX cards to another card offer. 
If you spend {$1000.00}, they will pay you {$150.00} as a cash bonus, in 3 months. I agreed on that, and they sent me the new card. 

Afterwards; during Summer XXXX, I had a visit to XXXX and XXXX ( around XX/XX/XXXX  ). I called them, asking if they apply foreign transaction fees for expenses abroad, and they said Yes. Regarding this, I canceled my card. They did not inform anything at that time. 

After one month ( Around XXXX or XX/XX/XXXX  ) they sent me a bill, regarding my canceled account, that I owed them {$150.00} since I had not completed my 1 ( one ) year with AMEX card, and I had to refund that money. Ive refused that. They sent me another bill for next month with some 20 % interest {$170.00}. 
This is a fraud ; since I did not agree, to sign or to refund of the cash bonus. Also, I used this card for at least 7-8 months, and also I spent {$1000.00} to get this promotion. 
Also, I asked them to re-open the account, and they refused. 

What can I do? If I do not pay, they will charge me another 20 % interest to this amount. In fact this was not a credit, just a promotion. 

What can I do against American Express Corporation?
Product: Credit card or prepaid card

I WAS GIVEN A {$50.00} GIFT CARD ISSUED BY XXXX XXXX XXXX XXXX LICENSED BY XXXX XXXX XXXX XXXX. 
I LIVE IN PENNSYLVANIA WHICH PROHIBITS FEES THAT REDUCE THE AMOUNT OF THE CARD. I FOUND OUT ON XX/XX/XXXX THAT THE CARD IS ONLY WORTH {$20.00}. INACTIVITY FEES OF {$30.00} WERE DEDUCTED FROM THE CARD. THIS GIFT CARD EXPIRES IN XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It showing that I have a late payment which I never missed a payment on this account I been having this credit card since XXXX  and have never missed a payment, Im asking that this late payment be removed immediately within 4 days.

A fair resolution will be for Experian, Transunion and Equifax to obey these Laws FCRA 605B ( 15 U.S.C. 1681c-2 ) 15 USC. 1681 ( e ) ( b ), 15 USC. 1681i 5, 15 USC 1681, 15 USC 6801 ( a ) ( b ) 15 USC. 1666 B and remove all fraudulent accounts, inaccuracies, collections, charge offs, inquiries, late payments stated
Product: Debt collection

This company Contacted me by letter on XX/XX/XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XX/XX/XXXX and told them that this was not mine. This company also called me today on XX/XX/XXXX and Told me if I did not pay the amount of {$1700.00} that they would contact Immigration services and have me deported. This is so wrong on so many levels because I am a NATURAL BORN CITIZEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX, am submitting a complaint against company Portfolio Recovery for violation of federal law 15 USC 1692g repeatedly. I requested a validation of debt and cease and desist all communications in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time they responded they only provided 1 and 2 of the 5 requirements of the law. The company may be able to claim that have the right to receive payment of the balance but they absolutely have no right to report such negative items on my consumer reports. I never gave them written consent to report anything on my consumer reports. Also, by continuing to report these negative remarks on my consumer reports they are violating my request for cease and desist by indirectly communicating these alleged accounts on my consumer report. I am requesting that the company Portfolio Recover immediately delete such reporting off my consumer reports. Below it clearly states what the laws says is required to properly validate an alleged debt. 
( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing a 30-day late payment for the month of XXXX. That information is incorrect. I was on a COVID relief program and began making my payments as soon as that program ended. This information is false. My account is current with NO late payments.
Product: Credit reporting or other personal consumer reports

I was shocked when I saw inaccurate accounts showing up on my credit report this morning. Ive always checked my report without issues, but this time I was blindsided by discrepancies that seemed to come out of nowhere. I tried refreshing the page, but the wrong accounts didnt disappear. Because of this, Im asking that the documents Ive sent be carefully reviewed to ensure this never happens again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> XXXX, XXXX, Equifax Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Account Number : XXXX Dear Sir/Madam, I am writing to formally request the removal of XXXX XXXX from my consumer report. I have made multiple attempts to request debt validation from XXXX XXXX, specifically asking for an assignment of contract proving their ownership of the alleged debt. Despite my requests, XXXX XXXX has only provided bill statements from the original creditor, which do not satisfy the legal requirements for debt validation. 

As outlined in the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ), a debt collector must provide proper verification of the debt, including documentation proving the assignment of the debt and a contract showing ownership. XXXX XXXX has failed to provide this proof. 

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of information in consumer reports. Since XXXX XXXX has not validated the debt as required by law, I respectfully request that all references to XXXX XXXX be removed from my credit report to maintain the accuracy and compliance of my consumer file. 

I have also filed three complaints with the Consumer Financial Protection Bureau ( CFPB ) on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> In all three complaints, I requested the assignment of contract, but XXXX XXXX failed to provide this crucial documentation. Please see the attached copies of my CFPB complaints, as well as the responses from XXXX XXXX, which further demonstrate their failure to provide adequate validation. 

I urge you to remove this inaccurate information from my credit report immediately. Kindly notify me in writing once this correction has been completed. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts I have disputed them a month ago but was told by the major 3 credit bureaus that these accounts have been verified. Inwhich these very accounts I do not have a contract with nor have they been physically verified. I'm requesting the Method of Verification inwhich was used to equate the accounts as valid via my credit report. Inwhom within your company, name and title, spoke to whom and what means of communication was performed, phone, email, texts, fax, etc. What day and time did this take place. What physical documentation was delivered to both you and I that verifies these accounts, 1 ) XXXX XXXX {$0.00} 2 ) XXXX XXXX XXXX {$7.00} 3 ) XXXX  XXXX   {$570.00} 4 ) XXXX XXXX XXXX {$0.00} As stated in the FCRA laws if this information is not provided in its entirety then the above accounts shall be blocked immediately from my credit report.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX, TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, ( XXXX  XXXX TransUnion ) XXXX XXXX /XXXX Account Number : XXXX, ( XXXX XXXX XXXX XXXX Account Number : XXXX, ( XXXX, XXXX, XXXX XXXX XXXX XXXX  Account Number : XXXX, ( XXXX ) XXXX XXXX XXXX Account Number : XXXX, ( XXXX  ) XXXX XXXX Account NumberXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Product: Money transfer, virtual currency, or money service

I have been using PayPal forever and use it weekly. My husband did some labor on a roof and was paid via our PayPal account. Over last weekend. PayPal immediately charged the money on the card from our customer. But would not let me access it due to the amount. Which I understood. I submittted all of my documents. Tax id, drivers license. But then they went further wanted tracked numbers? When had non since is was labor, thw they wanted business contracts which felt a bit of invasion of privacy. After I submitted everything I waited 3 days. I messaged them on their website. This is when all became extremely confusing-said my transaction was from another account, said to call them. As I did. More confusion said all my documents were in the back office for review, review of what??? Then I was told to call my customer and have him verfity he sent it so he did with me on the phone. As I was waiting PayPal has a pop up and it states once verified by customer the money will be in your account within 7 days which is now entirely too long. Right after the customer verified the payment. I see my PayPal has the money in there of XXXX and it says to accept it. I tried accepting it and a pop up comes says I cant access the money but its in my PayPal account. I call PayPal because now my account has been moved from restricted to limitations. So I called them again to find out. I was getting the run around. From blaming the high amount, to my customer needed to check his email. Then they would release me from limatations to put in my bank. My customer does everything and they give him a run around. He was going to just cancel it but they wanted to charge {$460.00} then they said he was good. He was extremely frustrated because he said I am good cause you took my money and wont pay for the service I bought. So he has me call the Limitations department, this is now the 3rd person I have spoke to. She explains that its in the back room under investigation. I said investigation of what??? If I am allowed to receive my money thats been verified and I proved all my tax ids etc! They then give me and my customer more runarounds and say under my investigation is over which can take 7 more business days that I would get a email if approved or not. But they still charge the fees and are charging their reasons every call into why I cant have my money. They are holding it hostage with no end in site. I cant even refund it to my customer because they will charge me close to XXXX! So they are just holding my money and my customers money with when they say its ok even after I Did everything they asked me to do. My customer did everything he was supposed to do. They will not explain why and who is investigating me being dictated on me having access to my money. This is supposed to be a transfer service not the fbi. My tax id is on there what else do They need to investigate????? Complete invasion of privacy. Complete dictator ships with ever changing rules and terms. This can not meet complaisance.
Product: Credit card

I have a consumer credit card with The Home Depot which has a deferred interest purchase that is due for {$340.00} which is due before XXXX/XXXX/2016, I paid the full amount of {$340.00} and they took {$110.00} for a minimum payment for the pay period. I called today to ask to pay the {$110.00} that they took for the minimum and they are trying to require me to another minimum of {$110.00} that is not due until XXXX/XXXX/2016. I am asking to pay the {$110.00} now and the {$110.00} before the due date of XXXX/XXXX/2016 and they are refusing. i authorized payment of {$110.00} but they took a payment for {$110.00} which was incorrect and I asked for them to cancel it and they refused to credit it back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : WF/DILLARD XXXX Date opened XX/XX/2014 Balance : XXXX
Product: Checking or savings account

1. I opened an account in response to a promotional offer 2. Complied with requirements of the promotion - deposited $ XXXX by required date 3. The Bank is refusing to give me the promotional bonus of $ XXXX 4. Bank 's claim is that I had a previous account 5. Previous account was closed by Bank employees, due to on-line transfer issues, and Bank employees opened the new account 6. At the time I transferred the funds, XX/XX/2018, Bank employee ( I have the Name and Reference numbers ) assured me that the bonus will be paid 7. A subsequent phone call on XX/XX/2018, I was further assured that fund transfer is completed as required and Bonus will be applied to the account 8. After numerous correspondence, no action has been taken 9. I have not received any response to a letter to Ms. XXXX XXXX, Executive Vice President/ Chief Marketing Officer on XX/XX/2018 2018
Product: Credit reporting

I was in the process of putting my student loans in In-School Forbearance. During that period my student loans went into 90 days late payment. I did not realize this! I would have paid during that time, but received no notification at the address I lived. I did not know. I have disputed this twice with my student loan provider and with the credit bureaus, but they have not taken it off of my credit report. It has negatively impacted my credit, but they have made no adjustment or had no mercy though I have no previous record of late payment, or any following this incident. Thank you for your help!
Product: Mortgage

Wells Fargo Mortagage FEES : Extremely High intial Loan fees : {$4500.00} on {$82000.00} house Refinance VA Loan in XX/XX/XXXX {$2700.00} of more i think on {$78000.00} WELLS FARGO OVERCHARGE ME {$1000.00} ( {$500.00} X2 ) ON ILLEGAL LAWYER FEES TO START! CLOSING COST BY THEM WERE EXTREMELY EXPENSIVE! I FEEL THEY HAVE COMMITTED VA LOAN FRAUD ON MY ACCOUNT AND I HAVE NEVER BEEN REIMBURSED! PURCHASED HOUSE : XX/XX/XXXX ( WELLS FARGO ) REFINANCED HOUSE : XX/XX/XXXX ( WELLS FARGO )
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of The Fair Credit Reporting Act and are in violation of my rights. ( Lane Bryant/Bread Financial ( old name Comenity ) credit card account # : XXXX ) 15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 section 604 A.section 2, Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Please remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against [ XXXX ] regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. Disputed Items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to remove the inquiries that are were maid with out my written consent. Along with accounts that been falsly opened for year 's under my account.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXXXXXX Balance : {$12.00}XXXX XXXX XXXX XXXX Balance : {$4.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1.00} XXXX XXXX XXXX XXXX Balance : {$140.00}
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report To whom it may concern, I am writing to formally dispute the inaccurate information that is being reported on my credit report under the account number XXXX XXXX XXXX XXXX for my XXXX XXXX credit card. This account includes charges that were made fraudulently and do not belong to me. 

Despite providing both XXXX XXXX and Experian with extensive evidence of the fraud, including police reports, identity theft reports, and a sworn affidavit, the inaccurate information continues to be reported on my credit file. Under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be fully deleted from my credit report as it is inaccurate and does not reflect my true credit history.

As per my rights under the FCRA, I request that you conduct a thorough investigation of this matter and take immediate action to remove this account from my credit report. Please treat this letter as a formal notice of dispute.

If this issue is not resolved within the timeframe specified by law ( typically 30 days from the date of receipt ), I will pursue legal action to seek damages for the continued reporting of fraudulent and inaccurate information under the provisions of 15 U.S.C. 1681n and 15 U.S.C. 1681o.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 my account received XXXX XXXX XXXX XXXX  in the amount of {$860000.00} at XXXX XXXX subsequently I sold XXXX XXXX in the amount of {$2800.00}, then at XXXX XXXX on XX/XX/2024 my account was locked for " security reasons '' as I believe was under the disguise of " planned maintenance ''. I was locked out of my account and could not log in to send a help message to the Coinbase support system and then had to direct message the support system on XXXX. The card from Coinbase was deactivated and the funds I previously received were withdrew from my account by an unknown source after my account was locked. My account was locked XXXX XXXX  XX/XX/2024, the funds XXXX XXXX XXXX  was taken from an unknown source at XXXX XXXX and the USD was taken at XXXXXXXX XXXX and no information was given as to why the funds were withdrew.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of yesterday,XX/XX/XXXX, I was checking my credit reports to keep up to date information about my credit score which I do often. According to my information, my Transunion score dropped from XXXX to XXXX a 58 point drop in XX/XX/2020. My XXXX dropped 27 points in XXXX and another 27 points in XXXX bringing me from XXXX to XXXX also XXXX. When I checked these sites specifically for changes made to my reports, both XXXX and Transunion show an increase in balance to my student loans due to interest. These reports came from XXXX who holds my XXXX Loans. I am still paying my loans although the President put a freeze on payments and interest months ago and I have paid off one small loan. There is always some issue with XXXX or XXXX XXXX Dept. of Ed. Just for the readers edification, the drop of 58 points in XX/XX/2020, due to XXXX XXXX inaccurate reporting, was a result in a total increase of the following increases in dollar amounts : Transunion has four loans that are mentioned in the increase of ; {$2.00}, {$37.00}, {$37.00}, and {$21.00}, for a whopping total pf {$97.00} dollars. XXXX has the same as the aforementioned plus ; {$10.00}, {$5.00}, {$11.00} for XXXX and XXXX additionally ; {$72.00}, {$72.00}, {$53.00}, {$12.00}, and {$29.00}. XXXX total - {$120.00} and XXXX - {$230.00} and these numbers for XXXX and XXXX are for the same loans with XXXX. This has damaged my credit, and has caused me to be unable to apply for cheaper housing.