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

I was involved in a car accident in XXXX XXXX on XXXX XXXX. The car that I was renting was from XXXX and I was charged {$20000.00} to my American Express XXXX card for the price of the car. American Express has car rental insurance so I was assigned a person for the claim. I was informed on the recorded calls in XXXX ( possibly XX/XX/XXXX ) that were that they were backed up in their insurance claims department so that it was taking awhile to process. I expressed to this person that I was worried about the interest fees on my card so they transferred me back over to the customer service side of AMEX. While on the phone with this customer service representative, which was being recorded, I was informed that my interest charges would be waived during the duration of the claim process due to it taking a longer time than usual to process. 

I was then given a new claims representative in XXXX where I was asked for more information. I decided to call American Express in early XXXX to just get rid of my balance while the insurance process was finishing up with Amex & XXXX. I asked American Express to honor getting rid of the interest that they said that they would on the recorded call back in XXXX but they informed me after a month long investigation into that call ( On XX/XX/XXXX ) into that call that they would not honor it and I was given no explanation why. I was told by a representative during my call in early XXXX there there was a note in my file that stated that my insurance claim was processed wrong which delayed the process. I am 100 % positive that the representative said that it would be honored and felt safe because it was a recorded call. I have been with American Express for 7 years and have 2 cards under my name and I never had ONE late payment. I asked them was there anyway that I could get that call for myself to listen to but was denied. I'm sure the representative did not think that the claim would take as long as it did to process but that is of no fault to me and that promise shouldn't have been made if it could not have been upheld. I am asking that American Express reimburse me {$2600.00} of interest accrued that was promised of me from the customer service representative on our recorded call.
Product: Debt collection

I received a call about a debt from over 6 years ago. I do not recall the debt. The man on the phone gave me a company name " Buckeye Lending Solutions '' and I said I didn't know it and would it be under something else. He said " I don't know. Maybe checksmart or XXXX. '' He told me they were filing suit the next day if I didn't pay {$1300.00} but if I settled that day, they would expect half payment in full ( {$680.00} ). I asked him to send me proof or information and he said that he would email me confirmation after my payment cleared. 
I said I didn't have that until I get paid ( 3 days later ) He said that was fine but that he had to have a card number to approve it. I, regretfully, gave him my debit card information over the phone. 
I received a call from him 2 days later, reminding me of my payment. I then received another call on my payday, saying the charge didn't go through. My job switched payroll companies and our payday got changed. I was unaware but told him he could put it through the next day. He called me the next day 5 times in 1.5 hours saying my payment didn't clear again - even though I told him I was scrubbed in at work and unable to have my phone until I went to lunch between 11-1.

I called my bank and they had no attempted charges try to go through. He has called me again today but I believe this is a scam. 
I don't recall the debt, but it was a long time ago. He would not provide me with any proof, though I asked. He has harassed me at this point -11 calls! Then I XXXX the " law firm '' ( XXXX and XXXX ) and XXXX said it was just indexed in XXXX of XXXX  - 5 months ago! There is not much information on the website expect what types of debt they handle and one phone number- which just happens to be the only number he gave me or calls from. I have proof of my assumptions. I canceled my bank card but I don't know if this is really a debt I owe.
Product: Mortgage

During the pandemic I had fallen behind on my space rent with XXXX XXXX  XXXX XXXX XXXX XXXX. I was current on my mortgage with 21st Mortgage Co. Around XXXX of XXXX when trying to communicate with my park managers regarding payment, I learned that 21st had paid my past due rent on my behalf per a security agreement I made with XXXX  although at the time I had a pending application with XXXX XXXX XXXX  for rental assistance. Despite my efforts to speed up the process of my application and efforts in communicating this with 21st and XXXX, 21st had then refused to wait on the processing of my XXXX XXXX XXXX application and continued to pay on my behalf. 21st then refused to allow me to pay on my mortgage loan unless I paid in full payment what they paid to XXXX  on my behalf. Their action then caused me to fall in Default with my mortgage. Due to the action of both 21st and XXXX, XXXXXXXX XXXX XXXXXXXX did not pay the full amount I requested. Because 21st paid my past due rent, XXXX refused to say that I owe any past due rent which is why XXXX XXXX XXXX did not pay. I still owe {XXXX} of past due rent. Also because 21st refused to take my mortgage payments I now owe an additional {XXXX}. Totaling {XXXX}. On or around XX/XX/XXXX, my home was to be sold at private sale. I was told by 21st that I could reinstate my home by paying {XXXX}. I made a payment of {XXXX} via XXXX XXXX around XX/XX/XXXX, the payment was accepted but later returned. I refused to take the payment back so 21st again accepted the payment and again returned it. I still refused to cash the check they sent to me so they finally accepted the payment. 21st sold my home at private sale to themselves, leaving me with nothing to survive on. They are now trying to evict me from my home that Ive owned for over 20yrs. My home that I raised my XXXX XXXX  daughter in, my home that I am raising my XXXXXXXX XXXX daughter in, my home that I put over 20yrs of hard earned work for. If I lose my home not only will I have lost hundreds of thousands of hard earned money but both my XXXXXXXX XXXX daughter & I will be XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I disputed inaccurate reporting on my credit file with Experian. Letter sent via certified mail. All the XXXX of the Bureas are reporting different data. They verified it and left it unchanged. On XX/XX/2019 I sent another letter via certified mail requesting the method in which in the investigation was conducted. Instead of supplying me with this information, they opened another dispute, and again verified it, and left it unchanged. I wasn't requesting to dispute it again. I want disclosure on how the investigation was conducted so I can get to the root of the problem. And still, all three of the bureaus are reporting VERY different data on my account.
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 Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

On XX/XX/XXXX, wells fargo, and XXXX XXXX ran my credit without my knowledge and permission and add an hard inquiry to my account On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX ran my credit without my knowledge and permission and add a hard inquiry to my account I bought a XXXX car on XX/XX/XXXX. I authorized XXXX consumer to run my credit this day
Product: Credit card

On XXXX XXXX, 2016, a fraudulent charged appeared on my Paypal account. I immediately contacted Paypal and disputed the charge a fraudulent. Paypal agreed to removed the charge. When my payment due date arrived I noticed the charge still on the account reached out to PayPal, tried to dispute the fraudulent charge and in direct voliation of the FCRA Paypal refused to allow the consumer to dispute said charge. Paypal directed the consumer to the vender XXXX. When I reached out to XXXX they also refused to allow the consumer to dispute fraudulent charges or provide proof the consumer placed charges on their Paypal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified you that I am a victim of identity theft, and requested that you do the following : REMOVE the unauthorized accounts and Remove any UNAUTHORIZED INQUIRIES, and Take steps to remove ALL information about these accounts from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information as a CRA. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 

INQUIRY 'S XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/ XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Accounts - XXXX/XXXX, XXXX/XXXX
Product: Credit card or prepaid card

On XX/XX/2019 Chase closed my above account. According to the letter I received it was due to the reason that I used merchant credit to satisfy the balance on this account. But as the fact of fact, this incident happened with my XXXX return and refunds. I have been a long time Chase customer and have several Chase credit cards, I used random cards at XXXX, but when returning some of the purchases, XXXX usually just scan the membership card without even asking for receipts, after that they just need a credit card to process the refunds without matching if they are the same. Since I used Chase reserve card the most, I most likely gave that card for refunds. Unfortunately I also have auto pay on my Chase credits, so I didn't even bother checking the monthly bill, as it takes care itself. As a result, this triggered the closure. Chase said that I was sent a letter reminding me the situation prior to the closure letter, but I never received the letter, the only letter I received was the letter to close my account. 

I don't think that I did anything wrong regarding this, if this is the bank policy, it was not my intention to do so. This is apparently a mistake I even think about committing and it's also didn't do me any benefit at all. 

I have called Chase several times asking to reconsider their decision and reopen the card, but was not helpful. 

I am actually a Chase private client and have significant interests on this bank. I am really feeling sad, as how unreasonable and bad they treat their long time customers.
Product: Credit card or prepaid card

I apply for an unsecured credit card in XXXX. I was told to send a deposit for {$200.00} and I sent it, and in XXXX they sent me a credit card. They ask for Documentation as proof of resident so I sent a copy of my Driver 's License and a bank statement that is what they ask for. Then they said they need to do a third-party call to my bank. And they would not activate my card because my Bank does not do the third party. So they stated that I should close the account and they would send me my deposit. I did this to build my credit. This has been horrible and now it's XXXX and I still don't have my deposit. I wrote to the corporate office and no one respond to my letter. This bank is horrible. I am sure I am not the only one that has gone through this. Please help me, no one should ever have to go through this. They sent me statements for a card I can not use. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

JPMCB Card has made duplicate credit inquiries on my credit, whereas I authorized for only one. This was done on XXXX XXXX XXXX
Product: Debt collection

I received a notification via XXXX that XXXX XXXX XXXX has reported a collection account and reduced my XXXX XXXX. 

I never received any information on this account and the amount reported {$3200.00} does not state the reason for the debt and is incorrect. 

I have tried to connect with the company for XXXX weeks ; no response. On XX/XX/2023 I connected with the company and was told they dont have my account and I need to contact the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 

So, why was a collection reported on my credit file by XXXX XXXX XXXX? I was never informed, they are denying the claim, and they will not provide me any information on the debt claim. I would like this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was listed repossessed and listed as charge off on credit report. Inaccurate amount listed on credit report after car was resold. Also, never received auction receipt for car, as well as payment insurance, or loan insurance was never listed which was language in contract. Would like this charge off removed from credit report.
Product: Debt collection

Purchased an appliance from Sears in XXXX, Texas. Total cost, {$380.00}. Sears,  without my approval transferred my account to Shop Your Way MasterCard in XXXX XXXX, SD. Received account statement & an unsolicited MasterCard from this company. I did not request a MasterCard & never used it. 
Payments indicated ( correct balance due ) & {$28.00} monthly payment, first payment due on XX/XX/XXXX. I sent a bank check for {$84.00} to Shop Your Way, with the notification that I was paying the first three ( 3 ) months in advance, XX/XX/XXXX., XX/XX/XXXX., & XX/XX/XXXX.Company REFUSED to accept " Payments in Advance '', and notified me my next {$28.00} payment was due on XX/XX/XXXX. I notified Shop Your Way, in writing that I did not agree with this venal response, and my next payment was due on XX/XX/XXXX! 
Received statement from this disreputable cabal that I was being charged {$28.00} for " LATE PAYMENT ''! I did not make a XX/XX/XXXX payment, as it was paid in advance, I did not make a XX/XX/XXXX  payment, since this had been paid for in XX/XX/XXXX.

Statement from this sedulous company now claims I owe for three ( 3 ) " Late Payment '' charges. My correct balance due to Sears, not Master card, was {$300.00}. I mailed a bank check to this disingenuous company on XX/XX/XXXX, for {$300.00}, with the notification that this was PAYMENT IN FULL on my SEARS balance.

Shop your Way has refused to cash this check, Shop Your way employee and his supervisor have refused in a telephone conversation to inform me of my balance.

This is an example of the continued obstinate conduct of Shop Your Way MasterCard. 
I have paid the entire balance due for the purchase of an appliance from Sears. 
I did NOT sign any agreement with MasterCard, and I believe that I have paid my balance due in a timely manner.
Product: Payday loan

A loan for XXXX was given to me..they never sent me a rate notification and now I find out its over 100 % intrest please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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

U have 3 different accounts that I have concerns with 1st XXXX XXXX XXXX I have a been a customer since XX/XX/year> my account was deleted from my experian credit report I have contacted experian since XX/XX/year> about this issue by phone and email, experian has access to my bank account which is how I pay my bills as of today my account is not added to my credit report! 2nd, My rent is paid to XXXX rewards through my bank account as well paid every month and experian is indicating XXXX has 3 different payment methods however rent is paid and experian has acknowledged the payments but will not add the payments to my credit report, Lastly my XXXX account has not been credited to my credit report. XXXX is showing on credit report as pending as well as XXXX XXXX XXXX, XXXX  all of my accounts are active and experian has not updated my credit I has sent screenshots of all accurate payments to be told either its pending or I need 3 months of payments from the last 90 days. I need these concerns addressed. 
Thank you, XXXX XXXX XXXX ( XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and submitted information requesting removal of fraudulent account for collections for XXXXXXXX XXXX in the amounts of XXXX dollars XXXXdollars, XXXX. XXXX dollars and national credit system for XXXX dollars and XXXX XXXX This with XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portifolio Recovery Associates llc Inc is pulling my XXXX XXXX credit report for account reviews when they have no account to review for collection the account that they did have has been closed to all collections for being exempt from debt collection due to being on Social Security XXXX for life so they have no right to pull any of my credit reports for account review unless they are attempting to collect on exempt funds they closed the account and stop all further collections. they have no reason to review my reports for an account they can not ever collect on.
Product: Credit reporting

I paid off a collection with XXXX XXXX and have proof of payment on record. Please update my credit report accordingly. I no longer owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit agencies asking them to verify the debt on my report in XX/XX/XXXX. They sent it back stating that everything is verified correctly. However my credit report is still showing and reporting inaccuracies. 15 USC 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. 15 USC 1681 ( B ) ( 2 ) - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 USC 6801 - It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters. Ive already included this in my previous Complaint # & I am including it again. I'm looking forward that the following items will be deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine. 

These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Debt collection

I paid these companies the money I owe them but they refused to delete the collections off my credit report after they agreed to. I received letters stating that the debt has been paid.