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

We purchased 2 XXXX XXXX tickets using American Express ( Amex ) Platinum cards and using American Express Travel to do the booking in the summer of XXXX and did not travel due to XXXX. We contacted Amex and booked flights to XXXX again using the travel services of Amex. We were concerned about not losing the XXXX XXXX credit so we asked for and we received the following email from the person who did the booking. we have the original email and we have attached the email thread with our last rep 's conversation below. 

From : XXXX XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : XXXXXXXX XXXX remaining credit - Record Locator XXXX  Good morning, It was a pleasure assisting you yesterday! 
I wanted you to have your new ticket # s for the remaining XXXX per person on XXXX XXXX. 
These credits expire on XXXX Ticket # XXXX & XXXX Keep my information for any future travel needs Best Always, PLEASE REMEMBER THAT FARES AND/OR RATES ARE NOT GUARANTEED UNTIL TICKETED AND/OR RESERVATIONS ARE CONFIRMED. 

XXXX XXXX XXXX XXXX XXXXXXXX As you can see, the email dated XX/XX/XXXX of the last year XXXX sent to us from an Amex XXXX XXXX XXXX CLEARLY states that there will be a credit for 2 tickets of {$710.00} per person available till XX/XX/XXXX. We called Amex approximately 2 weeks ago to book this travel. We were put on hold a number of times and ultimately told that Amex could no longer pull of this record but because we had the e-ticket numbers, we should call XXXX XXXX. We did that, and after about 30 minutes on the phone, an XXXX XXXX associate said the ticket was canceled and no longer available. We have contacted Amex again, and now they will not resolve the issue, with amounts to a loss of approx {$1400.00} in value not to mention the efforts we have take to work with them. Amex representative XXXX XXXX created a complaint number for us when we asked for a supervisor. The Amex Complaint Case number is XXXX We feel strongly because Amex representatives XXXX in writing an assurance to us, they should make us whole and refund XXXX in dollars or the equivalent compensation in Amex Points PLUS the many hours of our time to deal with this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account - 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 an account without my instructions.
Product: Credit card

I am and have been an Amazon Prime Member for several years. In early XXXX I was sent a solicitation for an Amazon Chase Credit Card which offered reward features that I liked and so I submitted the application. The application of course offered the card to family members so I requested a card for my wife also. In my XX/XX/XXXX bill I saw the charge of {$140.00} for Prime Membership so thought nothing of it since I was a Prime Member and the charge on this card came with cash back rewards. Six months later, on my XX/XX/XXXX bill came a similar charge, {$140.00} for Prime Membership. I'm embarrassed to admit that at the time it did not register to me that I had the same charge just 6 months earlier. It was only yesterday, XX/XX/XXXX, that my wife and I realized that we were both being charged for a Prime Membership even though we are in the same household and related. My wife never applied for her own Prime Membership. We contacted Amazon yesterday and they agreed to cancel and refund the XX/XX/XXXX billing of XXXX. It seems suspicious that we were double billed and exactly 6 months apart so discovering the double-billing is difficult. It seems we should be refunded the XX/XX/XXXX and XX/XX/XXXX charges of {$140.00} as well but Amazon-Chase don't tell us how to go about requesting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion investigated a dispute and manually changed my amount owed to first premier bank. Reports are only supposed to be updated once per month and Transunion updated twice in the month of XXXX which decreased my score.
Product: Debt collection

I submitted a dispute with the company win XX/XX/2020. The company has failed to respond and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$690.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/ XXXX has been putting an account on my credit report as long as I can remember. Since XXXX I tried to solve the matter with them advising that it was not my account or responsibility as I was a tenant only where the services were provided. I have disputed this account ever since with credit bureaus and they continue on reporting the account with different collection companies. I have proof since XXXX that this account was meant to be deleted on XXXX for {$1300.00} under the collections company of Southwest Credit Systems and this is after my second time disputing the account. Now, this same original creditor appears in my credit report with a different collection agency named XXXX XXXX XXXX but with a higher amount of {$1900.00} as of XX/XX/XXXX, and an opened account date of XXXX with an expiration date in the year of XXXX. Per the credit bureaus representatives, they can continue to dispute as I request but if the creditor continues to open accounts under different collectors they are required to report. Which makes it NOT FAIR because even if this account was to be mine, they would continue on reporting for the rest of my life?! 

This is affecting my credit tremendously and my finances as well, as it makes it hard to get a good interest rate on anything with low credit as this is the only account in collections that continues being so incorrectly persistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, regarding inaccurate and unknown things on my credit report. To date, well over 30 days later I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes, I do not like that. Section 611 ( a ), plainly states that a failure to investigate these item within 30 days gives a reason to immediately remove those item from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for XXXX  due to the stress you have caused me. My information has also been impacted by the Equifax data breach and may have been in possession of the wrong people.
Product: Credit reporting, credit repair services, or other personal consumer reports

These people are Defamation of my character lying on my credit report, untrue and damaging to my way of life by presented as a fact to others. I WAS NEVER 60 OR 90 DAYS LATE ON MY XXXX CARD. HERE IS PROOF FROM XXXX SHOWING I PAID. UPDATE TO " PAID AS AGREED '' NEVER LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted experian multiple times to fix few disputes. What they have done is fixed the disputes but then they have been arbitrarily changing my credit score. 

They offered that I connect my bank so my regular rental payments would boost my score and I did sign up. I have no fresh borrowing after my Car Loan so I am not sure why my credit score would go down. 

If you look at the scores fluctuations here is the summary of Experian XXXX XXXX ) XX/XX/XXXX : XXXX XXXX ) XX/XX/XXXX : XXXX XXXX ) XX/XX/XXXX : XXXX XXXX ) XX/XX/XXXX : XXXX XXXX ) XX/XX/XXXX : XXXX They have already factored in my loan and loan payments and reduced score once on my car loan and that too in XXXX timeframe. 

I need full explanation and investigation on how this numbers are derived and what have I done in these days for this wide fluctuation?
Product: Checking or savings account

This is for a Health Savings Account ( HSA ) with Optum XXXX. On XX/XX/XXXX, at my request, XXXX HSA submitted a Transfer of Assets request ( aka in-service rollover ) to Optum XXXX with instructions to transfer {$7000.00} CASH from Optum to XXXX. The Optum XXXX HSA balance at the time of the request was {$11000.00}. Optum XXXX received the signed instructions from XXXX on XX/XX/XXXX. Optum decided to instead process the request as a closure and proceeded to suspend the account from any further transactions, no claims for medical reimbursements were allowed. I placed a call to Optum on XX/XX/XXXX @ XXXX XXXX and spoke to a customer service representative named XXXX ( case # XXXX ) to inquire about the suspension. Representative advised me they processed the transfer request as a close in error and were looking to reinstate the account and fulfill the original request for transfer. Resolution was to be expected in XXXX business days. On XX/XX/XXXX Optum XXXX closed the account and transferred the full balance of {$11000.00} without my authorization. XXXX has not received the funds. I'm currently still enrolled with my employers HDHP and they have NOT changed the HSA administrator. I called Optum on XX/XX/XXXX @ XXXX XXXX XXXX to inquire on why the account was closed. I spoke to customer service representative XXXX XXXX case # XXXX ) and asked to speak to a supervisor since she was unable to assist or understand why the account was closed. I was instead advised no supervisor was available because they were all in a meeting at the time and I had to call back later or be given a call back. The person advising XXXX of the meeting was named XXXX. I called back to speak to a supervisor on XX/XX/XXXX and was able to get a hold of XXXX XXXX ( case # XXXX ). She was unable to explain the reason for the closure and confirmed that the initial call on XX/XX/XXXX didn't resort in any corrections due to the representative failing to file the needed documentation although she stated she would. Today, XX/XX/XXXX no resolution has been reached and the funds have not been made available to me. XXXX XXXX states it will be resolved in XXXX business days but can't reassure me of it and suggest I call back if not resolved. Also, she was unable to provide me with a mailing tracking number for the check and/or check number. I'm unable to use any of the funds to pay for my family 's medical expenses because Optum shows a XXXX balance nor has XXXX received the funds. If needed I have a copy of the signed Transfer Request form from XXXX showing all instructions of the transfer along with a transaction history from Optum XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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

I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received fraud charges on my card on XX/XX/2019 for XXXX, and XXXX XXXX XXXX, XX/XX/2019 online XXXX,XX/XX/2019 XXXX XXXX, XX/XX/2019 online XX/XX/XXXX, lots of money gone and they are giving me the run around getting the charges fixed and told me I had to call up all the places that were charged and talk to them to get the money refunded, so I called all the places and they told me I had to go through the card providers to get it all fixed. total run around, my other bank didn't do this
Product: Credit reporting

I am a victim of identity theft and someone opened up unauthorized and fraudulent checking accounts in my name and wrote bad and outstanding checks in my name using my personal information and stolen identity.
Product: Checking or savings account

I was shut down by XXXX after normal banking transactions on XX/XX/year>. 

I've had the account for a little less than a year.
Product: Debt collection

TRANSWORLD SYSTEMS INC Opened XX/XX/2023 amount allegedly owed : XXXX I have been a victim of identity theft for some time now. I had no knowledge on what to do or who to contact about the items that were appearing on my credit report. However, someone have come along and told me to follow the steps with FTC and CFPB so here I am I hope to get good results from filing this complaint. This item has been negatively impacting my life and my credit file from job opportunities to living opportunities in general.
Product: Checking or savings account

On XX/XX/20 I spoke with a rep who said the problem was fixed but it hasn't been
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to remove : XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX CARD XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} These 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 the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Credit reporting or other personal consumer reports

This is my follolw up request for the immediate removal of fraudulent items from my credit report. Despite my previous XXXX attempts to resolve this issue, these items continue to appear on my credit report, causing significant distress and damage to my creditworthiness. This persistent issue has negatively impacted my credit score and financial stability. I kindly request that you could help me conduct a thorough investigation into my claim and permanently remove the fraudulent items from my credit report. I expect prompt action and resolution within the XXXX period mandated by the Fair Credit Reporting Act ( FCRA ). Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

i have a home loan with ( XXXX XXXX XXXX XXXX ), they are reporting inaccurate and wrongful late payment on account number ending in XXXX. 
this is inaccurate and this is a complaint to what they are reporting. attached you will find the letter received from XXXX and it was processed to be updated with the bureaus, but for some reason it has not. please have all the three bureaus reverse this inaccurate late payment form XX/XX/2019. 
letter hence attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$1400.00} XXXX XXXX {$2700.00} USDEPTED XXXX {$4200.00} XXXX XXXX {$2700.00} USDEPED XXXX {$4200.00} XXXX  XXXX {$4200.00} XXXXDOFED XXXX {$4200.00}
Product: Debt collection

I have recently pulled my credit report and noticed that there is collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debtor stop collection activity and remove it all together.Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct.
Product: Debt collection

The unvalidated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it ), as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f. This is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries  need to be removed from my credit report immediately. Thank You, By : XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX apts turned over a false debt to Southern Management In my name I do n't owe anything to anyone Yet Southern management has put this on all XXXX of my credit files
Product: Debt collection

I am sending another message to bring to your attention an issue of Absolute Resolution Corp. reporting fraudulent information on my credit I reached out to you about the company harassing me with text messages and emails. Now they are reporting fraudulent information. The company responded to my complaint, stating they were going to cease and dismiss all activity. Well, they lied. Now they have started reporting false information to the credit bureaus. I would like legal action taken against this company and fines imposed for harassment and discrimination by Absolute Resolution Corp. This unacceptable behavior has created stress for me. I have made multiple attempts to address the issue with the company, but the behavior has persisted. I am requesting that your company take immediate action to investigate and address this issue again. I strongly encourage you to take immediate action. I have filed a complaint with the attorney general to address this issue, as it has caused a more severe impact on my mental and physical well-being. I am now seeking counseling due to the stress that Absolute Resolution Corp. has caused me. I have studied the laws of Section 605B of the Fair Credit Reporting Act, which details your responsibility to investigate a company for harassment discrimination, and fraudulent information on my credit report. Please let me know if you need any other information from me.