23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened an American Express corporate card account in XXXX XXXX. The card has no annual fee however I enrolled in AMEX membership rewards program and paid an annual participation fee of {$75.00}. I also paid AMEX a fee of {$39.00} on XXXX occasions to " reinstate '' previously issued points. Since opening I have accrued approximately XXXX AMEX points with a value of approximately {$2800.00} ( XXXX point = {$0.00} in purchased travel ). In XXXX I was contacted by American Express regarding suspected fraudulent use of my card by someone in another state. I confirmed that the charges were not mine and American Express replaced my card. I was promised that everything including my rewards membership would stay the same, however it appears the new card was not enrolled in membership rewards at that time. Since that time I believe I earned approximately XXXX AMEX points however these were not credited to the new card. When I tried to use my points I contacted American Express and they informed me that I have XXXX point balance and they are unable to reinstate my points. This appears to violate zero Liability for fraud guarantee from American Express. My card replacement occurred due to fraud through no fault of my own. American Express zeroed out my point balance after I paid them over {$1000.00} in fees just to maintain my points membership. My account has remained in good standing the entire time. Please help reinstate my membership rewards points XXXX lost from XXXX and XXXX from mid XXXX until now.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX I have identified multiple fraudulent accounts and inquiries on my credit report resulting from identity theft. These accounts and inquiries are obstructing my access to necessary credit. Under Section 605B of the FCRA, I request their immediate removal. Please address this matter by promptly correcting my credit file. Thank you for your swift attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax, and XXXX were all sent disputes on XX/XX/2021. I sent a dispute of items that were alleged to belong to me. The 30-days that are required to investigate this matter under FCRA 611 ( 15 U.S.C. 1681I ) have expired. However, this inaccurate information is still on my credit report. The alleged items could be linked to the Equifax data breach are. I would like this information removed immediately per the FCRA or I will instruct my attorney to file litigation because I don't have time for the back and forth.
Product: Credit reporting

complaint toward EQUIFAX.    HAD ACCOUNT FOR OVER A YR. LAST UPDATE WAS XX/XX/2015.
 HAS WRONG PERSONAL INFORMATION (DOB).
REPORT HAS NOT BEEN UPDATED IN MONTHS PLUS WHAT I FOUND HAD ACCOUNT THAT WERE PAID BUT STILL REFLECTED ON REPORT.  HAS HURT MY ATTEMPTS TO FILE FOR LOANS/GRANTS.   VERY DISAPPOINTED...CLOSED ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian. Of the three credit agencies, their use of credit score metrics is unfairly penalizing consumers nationwide, including those who have good to excellent credit. My credit scores are XXXX  and XXXX  with the other two agenices. With Experian, its XXXX. There can't be that much of a disparity and be fair. Please, on behalf of consumers nationwide, look into this practice, Experian 's 8 score and their unethical push to urge consumers to open credit accounts to boost their scores, particularly to those who've recently gotten out of debt. Consumers are tired of of these practices, of pushing credit cards, of hiding credit scores ( until we sign up for THEIR memberships. )
Product: Student loan

I previously filled a complaint ( XXXX ) and we ending up coming to a resolution, albeit not an ideal one. However, I have been receiving phone calls about getting payment. I 've also received emails about an outstanding balance being due which is absolutely unacceptable considering the solution from the last complaint. 

The last phone call, with a woman named XXXX, claimed that there was nothing on my account stating a deferment and that I had to contact her XXXX XXXX XXXX. XXXX informed me that I would have to speak to XXXX about this and gave me her email. I have yet to receive a reponse in a timely manner with absolutely no update on the situation. 

I find the handling of my loan to be unprofessional and unorganized. How is this private company not held accountable after seeking government assistance in this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX 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 says : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I purchase a XXXX phone back in XXXX or XXXX as a XXXX gift for someone. on XX/XX/XXXX, I contacted XXXX store asking teme about return slip. so that I can return back the phone. the refused because they stated that the phone was purchased over 30 days and therefore can not be returned. I explained to them that the person did not want the phone because the could not use their present carrier and the phone would be of no use to them., After the refused to send me a return label, I then, contacted the financing company Synchrony bank them to cancel the account. the financing bank cancelled the account and fowarwed me an email in a letter stating the finincing account was close. I was to begin paying for the first payment of the phone on XX/XX/XXXX, however, I had started the process of returning the phone. the phone was returned to the mailing address it came from and someone signed for it. I then contacted XXXX store explaining that I will not be doing the monthly payment due to the fact that the account was closed and the phone was returned back to them. I asked them to stop call and to take the negative report off my credit report. they stated that they would investigate my concerns. after about a month the send me a letter stated that I need to send proof that the phone was returned. I did ned then proof and a few weeks later the informed via mail that the could not find the return phone and therefore I was still responsible for the {$690.00} charge for the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, XXXX and Experian via certified mail starting XXXX after pulling my credit reports to update incorrect information on my credit report. One of the accounts in dispute was for XXXX XXXX XXXX and showed as a repossession on my credit file with all three major credit bureaus. For over a year now, XXXX XXXX XXXX continues to " verify the account as accurate '' without providing me the documents necessary to validate this account. This account is not mine however the credit bureaus insist on accepting the false verification from XXXX XXXX XXXX without any documents proving the validity of the account. I have sent 3 letters ( On XXXX XXXX, on XX/XX/2021 and on XX/XX/2021 ) and XXXX XXXX XXXX has refused and or ignored my requests for proper documentation representing this account is accurate and of my responsibility, yet they report it as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX My journey started 6 month ago when I pulled my credit report from all three credit bureau and seem the inaccurate information on my file. Then I begin to hand write letters regarding the inaccuracy in my credit reporting. Specifically as it related to charge off and provide me with copies of any documentation associated with these account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately delated from the credit file.
Product: Debt collection

I CALLED THE CREDITOR AND TOLD THEM THAT I DID NOT APPLY FOR THE CREDIT AND THEY STILL REPORTING IT
Product: Vehicle loan or lease

Wells Fargo Dealer Services "  confirms that the retail installment contract/loan number  XXXX  was paid in full or was satisfied on  XXXX / XXXX / 2017 . '' After 69 days I am still waiting for my refund of {$640.00}.      WFDS sa id it issued payment at the end of  XXXX  - but I never received payment. Thereafter WFDS claims that I have to file a notarized affidavit ( at my own expense ) with them to receive my refund. Why is the burden put on me to receive the refund of my money?     References : WFDS : C ase 1 -   XXXX   Case 2 -   XXXX  CFPB : Complain t 1 -   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I paid off my credit card balance of {$1800.00} with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX. On XX/XX/XXXX they still reported to the credit bureaus that I had this balance, which was hurting my attempt at getting a mortgage approval. I have since made 2 disputes through Transunion, and they keep coming back as confirming the balance. I made a 3rd dispute just now. Transunion also shows that this bank reports on the first of the month, which was almost 2 weeks after the account was paid off.
Product: Debt collection

I am filing this complaint regarding inaccurate item on my credit report that continues to negatively impact my credit despite my efforts to resolve this directly with the reporting agency, it remains unresolved I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove/block these 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 not later than 4 business days after I sent Bureaus letters. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX and XXXX have violated 15 USC 1681 as to reporting 100 percent accuracy to my credit profile. I have have since noticed when trying to purchase a home that ( XXXX XXXX XXXX ) Is listed several times on my credit report. Meaning it's being reported under this name and then under the debt collector that they illegally sold my information to. I by the way have no written permission to sell anyone my personal information. I believe this reporting is a double jeopardy. Although the balances might not reflect under each name I still have the derogatory mark and the negative remarks for both accounts effecting my credit score. But above all not XXXX of the XXXX reports for either company reflects the correct or accurate information. It is very deceptive when one shows a whole different amount being {$300.00} and the debt collector shows {$430.00} XXXX company stating the date opened as being XX/XX/XXXX and the other as XX/XX/XXXX. This is impossible to have XXXX different amounts and open dates for the same debt. So with that being said why would anyone reviewing my credit report see this as the same company. They would not and it was made to look this way to cheat the system. This has been very damaging to my report for a long time. I have been being negatively impacted by this and violated in so many different way. The credit bureaus have allowed such to take place. I have brought this to their attention and disputes several times and ways only to receive a validation of the debt back. This is a very slimy way of reporting and does not by any means comply with the frca laws to protect consumers reports. I want both accounts removed from my report or I will take legal action. The FDCPA laws are not being followed and I want it to end now.. I want my creditworthiness back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : CAPITAL BANK NA  # XXXX, KOHLS  DEPARTMENT STORE # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bill was not paid because the bill was not filed with the insurance company in a timely manner so they denied the claim.The insurance company sent a letter to me and them explaining i was not at fault for the non payment, however Medicredit refuses to remove as there company policy is and i quote " we do not remove any collection once we submit it ''. I have made calls at least XXXX times with the same statement repeated to me. When asked for a supervisor they never have one available and the reps say they will have them call within 24 hours. I have never gotten a call back in 24 hours so i call them back and we go thru the same cycle all over again. I have sent Medicredit the letter from the insurance company, as well as, XXXX and the medical company that submitted the claim. None of which as helped. The account shows a ZERO balance. And is no longer in collections. But they refuse to remove the collection off.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made 2 XXXX transactions from my Chase checking account, XXXX payment of {$2000.00} ( XXXX ) and another of {$500.00} ( XXXX ) totaling {$2500.00} to XXXX XXXX XXXX ( XXXX ) as up front payment for the construction of a commissioned bathroom vanity. I purport that XXXX falsified his ability to deliver the project, did not deliver any product, and has stolen the funds. I would like to recover these XXXX transactions. 

On XX/XX/XXXX I opened a case with Chase reporting this fraud. Chase immediately closed the case and told me that they would open a case with XXXX. They also told me to submit evidence via fax to XXXX which I did. When I called Chase again to check on the status of the case, they told me that there is no actual way to submit evidence since that number is for Chase and not for XXXX. Chase has denied responsibility for resolving this issue. XXXX also defers responsibility of this issue onto the bank and does not respond to communications. Meanwhile, XXXX is also partially owned by Chase and they are all providing no way for consumers to receive any remediation for rampant fraud that utilizes this product. 

Upon further research, XXXX is a thinly veiled third party product integrated in banking apps. It provides unclear resolutions for consumer transactions which I suspect may be in violation of Regulation E. Having no means of fraud resolution for an " easy '' payment service is harmful to consumers.
Product: Credit card or prepaid card

At the beginning of XX/XX/XXXX, I received a notification through XXXX XXXX that Comenity Capital Bank ( Zales ) had closed the credit card I have had with them since XXXX. I have always paid Zales on time, in full, most of the time even early and currently had a {$0.00} balance with them. Due to this closure, it dropped my credit score by XXXX points. I had not received any notification by mail indicating my account would be closed. I contacted Comenity on XX/XX/XXXX, and they stated the reason for the closure was due to inactivity. The address they had on file for me is the address my mom still resides at, and she has not received anything from them. I was told they only send the notices through mail. I asked what date the notice was sent, and they only gave me a range of when it " could have been sent. '' The representative said the notice was " likely sent in XXXX or XXXX, '' but again could not tell me an actual date. I asked if my account could be reopened and they stated I would need to apply again. I asked if that would be a hard or soft inquiry and she said she could not tell me that, and that I would have to contact the credit bureau to know what type of inquiry it is. I let her know she should be able to tell me BEFORE I apply whether it is a soft or hard inquiry, as if she's unable to do that, it does feel misleading. The only way the credit bureau would be able to tell me whether it was a soft or hard inquiry is if the inquiry has already happened, and by that point the damage is already done to my credit report. I filed a complaint with their department but I have not had anyone reach out since.
Product: Checking or savings account

I already have accounts with TD bank but received an email that another account was opened so I contacted them and they will be closing the account but I was told to also report it to you.
Product: Debt collection

I hope this letter finds you well. I am writing to you today regarding my former account with XXXX, referenced above, which has been transferred to Eastern Account System and is currently reported on my credit report as a collection account. I am reaching out to you with the sincere hope that you might consider removing the negative information associated with this account from my credit report as a gesture of goodwill. 

During the period in question, I experienced significant financial hardship due to unforeseen circumstances that severely impacted my ability to manage my financial obligations. Additionally, I relocated, which further complicated my financial situation and contributed to the delay in addressing this account. I deeply regret that my account fell into arrears and that it was ultimately sent to collections. 

Since then, I have worked diligently to stabilize my financial situation and have been making every effort to meet all my current financial obligations promptly. My records will show that I have been consistent in maintaining my other accounts in good standing. 

Given my efforts to rectify my financial health and my sincere regret for the oversight, I am kindly requesting that XXXX consider removing the negative information related to this account from my credit report. I believe this gesture would greatly assist me in rebuilding my credit and achieving financial stability. 

Thank you for your time and understanding. I appreciate the service XXXX provides and the consideration of my request. I look forward to your positive response and am hopeful that we can resolve this matter to our mutual satisfaction. 

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

H

I I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been to my local police department they gave me a Identity theft packet, been on phone with IRS, and trying to contact all of the three credit bureaus the only successful one was XXXX. XXXX  and Transunion have no live repsentative to answer the phone, they have about 10 different numbers but no one to answer the phone. They want you to mail a letter to them, my Identity has been stolen and I am trying to put a freeze, or fraud alert, and make some corrections on my account online preferrable which is quicker but there is no ling, and XXXX  was experiencig some difficulties. This is very important, nerve racking and no customer service to assist you.
Product: Debt collection

They sent me a letting stating that I need to come to court, XX/XX/year> at XXXX XXXX the amount is {$10000.00}. I sent them a letter asking for verification that I owe them. They have the right to get the money from me and a breakdown of whats been paid.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Affirm : # XXXX XXXX XXXX XXXX : # XXXX Mission Lanes : # XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.