23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On the XXXX I submitted a request for Asset Verification. 
I sent USAA blank form I needed by XX/XX/XXXX since I was going to move. No AVF no keys Since then : Did not fax as promised. Called said they lost it and resubmit Called. No one had any idea. ON rep said it did not exist, yet I had it in my hand Called. Rep said she found it and nothing was ever sent to me or manager at XXXX XXXX. 
While I was on phone. Was told the document was in my USAA email Guess what? Not there Called again. Resubmitted form again ( about 7 times by now ). They said they could not find it Was promised by agent yesterday ( XX/XX/XXXX ) that I would have it today since this is the first and need to get my keys for new apartment I am stuck here with an apartment full of boxes with no where to go. 
To make a long story short. They lied on several occasions, lost my documents many times, and are just total incompetent. Are they under new management or when they get you money the basic policy is XXXX. On top of it all they know I have XXXX. Not helpling with this XXXX Thank You XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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

I have disputed this on my Experian credit a few times, the last time being XX/XX/XXXX. Like the previous times, they have declined to remove it from my credit. 

2 items that should be shown as paid, balance {$0.00}. 
Dept of Ed XXXX, amount of {$51000.00}. Paid in full on XX/XX/XXXX. 
Dept of Ed XXXX, amount of {$6200.00}. Paid in full on XX/XX/XXXX.
Product: Credit card or prepaid card

Dates that we stayed were XXXX XXXX XXXX. 
XXXX XXXX XXXX in XXXX, Texas. 

I originally booked through XXXX and paid {$490.00} for XXXX XXXX. This charge was ran twice before I even arrived. On the 4th night of our stay I needed to extend for one more night. We decided to downgrade after I have a charge of {$150.00} overnight to stay in the same hotel room. As I was being checked into our new room I had a charge of {$140.00} show up on my bank account from XXXX XXXX. I complained to the GM once again about how the agreed upon rate was {$85.00} plus tax. She apologized and said that the difference would be credited back. The next morning I had a charge of {$140.00} pending on my debit card and {$150.00} pending on my credit card along with {$630.00} pending on my credit card. That is over {$1000.00} of charges FOR ONE NIGHT AT THE XXXX XXXX. 

The GM assured me that I would be credited back or I could dispute the charges with my credit card company. I disputed the charges and called the GM to let her know. Once again, the {$630.00} charge came back out of my credit card account. This erroneous charge has put me over my credit limit this whole time I've been trying to resolve this. I have documentation showing the incorrect charges and documentation showing the manager credited the last night stay for free due to all of the financial troubles and incorrect charges they made. 

THIS IS FRAUDULENT. This hotel is completely incompetent. I have never seen such horrible customer service and I am literally having my money stolen from your hotel. This is absolutely unacceptable and I expect to be fully credited back IMMEDIATELY.
Product: Credit card

American Express wrongfully denied my credit card per the deceptive " you canceled too many bank card accounts '' which does not reflect my good credit history and deceptively tries to involve not only credit card history but as if my checking 's and savings are not showing a positive review. 

I was wrongfully denied a credit card where my credit history is good and closing of promotional credit cards with a XXXX balance with other banks is a good thing and not a bad thing. I should be allowed the credit card with this bank where this promotional credit card denial is just a form of a monopoly as if it is the fault of the consumer as to deceptively entice customers as if they should not be shopping for credit cards with competitors after finishing a promotional program with another competitor, but in this case it is the fault of their screening process as to try to discredit the consumer inappropriately for no good reason.
Product: Credit reporting or other personal consumer reports

I have requested my report several times, each time i am sent a new pin in the mail when using the pin it never works and givers an error. it is illegal to not be able to see report i am a victim of identity theft and this is devastating
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from experian Saying my credit score went up and in the email it said I had a 98 % chance Of receiving a XXXX credit card So I figure 98 % chance of something like 100 % why not so I applied for it funny thing is they didnt even pull experience credit report they pulled equal faxes At the time equal facts had my score At XXXX And I was denied so I called them up When you get it email prompting you and Enticing you to fill out a credit card application saying that your 98 % chance of getting it And if they would have kept it neutral saying you have A50/50 chance then you could put the blame on myself but when experian enticed me and provoke me my telling me I got 98 % chance then getting the card I would never filled out the application I like to see the enquiry removed from my report to the for wasn't for them I wouldnt have done it ... .. 
There is a XXXX XXXX inquiry that is on there they never remove credit card was open in my name i had that closed and removed they left inquiry along with a discover card inquiry that should have been removed someone tried getting a XXXX XXXX i already have 1 the inquiry still there
Product: Debt collection

I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in Title 15 chapter 41 does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed only with the firms on these alleged debts and each time the company has came back with false verifications. In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ), 15 USC 1692e ( 2 ) ( A ).
Product: Credit card or prepaid card

I signed up for the credit card Chase Freedom unlimited after receiving a promo offer in the mail It had promised " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. *Same page link to Offer Details Plus, earn 5 % cash back on combined gas station and grocery store purchases ( excluding XXXX and XXXX XXXX *Same page link to Offer Details on up to {$12000.00} spent in the first year. * '' XXXX XXXX XXXX I signed up and fulfilled all the requirements I received no bonus and was informed after escalating the matter to the manager that i was not entitled to the {$200.00} and all i would receive was 1.5 % cash back This was a bait and switch, i would have never signed up for the credit card if i wasnt misled in this manner
Product: Credit reporting or other personal consumer reports

Please provide me with exact documentation and processes you have used to validate this information. I request that you provide me with proof of this alleged payment being late. Please provide your method of validation on how you are reporting a collections with a past due amount as accuate.
Product: Debt collection

My XXXX inbox is bloated with emails from : XXXX XXXX XXXX at XXXX XXXX : Pay your American Express credit card balance with a XXXX XXXX XXXX XXXX XXXX XXXX Regarding your overdue balance of XXXX XX/XX/year> Login Pin : XXXX XXXX XXXX, you're missing out on savings! 

XX/XX/scrub>XXXX XXXX XXXX Visit our website so you don't mess out on this offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX credit card which I have seen added to as an authorized user without my authorization is being reported on my Equifax Credit report. 

XXXX XXXX Account # starts with XXXX Opened on XX/XX/2019 Charged off with balance of {$9700.00} I have called XXXX multiple times to remove myself from the account. However a representative advised me that she's unable to do so due to the delinquent status of the account. 

Since I'm not the primary account holder, I was never responsible for this account and it does not belong to me. 

I have also disputed the account with Equifax but it's still being reported on my report. 

This is affecting my ability to obtain credit.
Product: Debt collection

I have an agreement with Jefferson Capital ( represented in XXXX XXXX by XXXX XXXX Consumer Debt Management ) to complete the payment of a debt. From XX/XX/XXXX this company wo n't accept the payment and today this company call me back ( XXXX ) to say that the agreement is not valid and I will pay another amount. Eliminating the agreement without any valid reason. I have all evidence of payments and agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX In accordance with Fair credit reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 
THE FOLLOWING XXXX  ACCOUNTS # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX {$510.00} XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$91.00} XXXX XXXX {$75.00} XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$170.00} 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 [ 5 ] SEC STATES ; NOCONSUMER REPORTING AGENCY MAY MAKE CONSUMER REORTS CONTAINING ANT OF THE FOLLOWING ITEMS OF INFOMATION ANY ADVERSE ITEM OF INFOMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS.

15 U.S.C 1681S-2 [ A ] [ 1 ] A PERSON SHALL NOT FURNISH ANY INFOMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFOMATION IS INACCURATE.
Product: Vehicle loan or lease

I purchased a XXXX XXXX scooter through a dealer back in XXXX on credit through XXXX. Paid it off shortly after. Recently realized I never got a title and was informed by the XXXX in XXXX California that it has a paperless title with a XXXX listed still from XXXX. I have called at least 6 times and usually given their XXXX email address. I have sent around 6 emails over the last several weeks and received no response. With it being a paperless title I can only get it removed by XXXX electronically and have no other recourse. I can not sell it until this is resolved. I just want acceptable customer service. Thank XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of Identity Theft. I filed an Identity Theft Report, reported it to all 3 credit bureaus and to the companies of the fraudulent accounts. 
I not only showed proof that these companies are acting shady but demanded these accounts be investigated and removed from my credit report. 
The credit bureaus have yet to remove all the fraudulent accounts. 
The following accounts are being falsely reported to my credit report : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report from Transunion that currently still shows inaccurate information. I have sent 3 requests to Transunion for an investigation of the alleged public record listed of bankruptcy and a XXXX XXXX # XXXX. I have received an incomplete and unverified information back from TransUnion states that alleged public record verified per data furnisher. Transunion have failed to advise how the alleged public record listed of bankruptcy was verified. I understand that per the law of FCRA under permissible purpose. I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investigation to the matter and request lawful reply. I demand you to remove this item below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 previously filed a dispute with Experian regarding the XXXX XXXX Account XXXX negatively reporting to my Experian Credit File. In my dispute I included court documents submitted by XXXX XXXX and ordered by the judge of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. On XX/XX/XXXX XXXX XXXX filed suit against on credit card balances arising from XXXX XXXX XXXX card accounts ending in XXXX and XXXX. XXXX. XXXX XXXX was awarded a XXXX against XXXX, on or about XX/XX/XXXX, in the principal amount of {$12000.00} and all costs of suit. XXXX. The full name and address of the individual whose interest in the Judgment is being fully released as set forth below are XXXX XXXX XXXX, whose last known address is XXXX XXXX XXXX, XXXX, TX XXXX. XXXX. XXXX XXXX declared the accounts null and void and fully released, exonerated, and discharged XXXX XXXX XXXX, as identified and described above, from the entire judgment awarded, including ( a ) the principal amount of {$12000.00} awarded by the judgment ; ( b ) all costs of suit ; and ( c ) the operation, force, and effect of the judgment. Not only was I fully released from all reported debt on my XXXX XXXX cards, the amount being reported delinquent of {$12000.00} was a total of two cards but is being reported as a single account by Experian. So not only is the amount reported incorrect and due to multiple accounts, not just one. The entire debt has been deemed null and void and by court order, I have been released of all responsibility for this debt. Even after receiving a copy of the court order releasing me from all liability of this debt, Experian has failed to remove the negative account being reported for which I have no liability. 

In response to this dispute, XXXX XXXX sent me a response saying it was no longer reporting these accounts to the CRA 's, and addressed their responses to someone with a very similar name in a different city, with different account numbers, stating they were fraudulent accounts. Apparently XXXX XXXX failed to read the court orders, and correct account numbers, my address, or any of my actual identifying information. I've attached the court orders relieving me of all liability and full release of the debt, which XXXX XXXX requested happen. I just ask you finally stop reporting this debt which by court order I am not responsible for. 

I've attached the court orders once again. 

Regards, XXXX
Product: Credit card or prepaid card

On or about XX/XX/XXXX, American Express executive offices was contacted regarding overpayment on my account. The account holder informed the executive office representative that during the time frame of XX/XX/XXXX through XX/XX/XXXX, an overpayment to American Express was made totaling {$16000.00}. The cardholder attempted to resolve this issue on numerous occasions with American Express customer service, but to date nothing has been resolved, despite ( 2 ) investigations by American Express. A demand letter was sent to American Express on my behalf to their legal department referencing my rights under CA Civil Code law. There was no response directly from the legal department. In fact, the demand letter was sent back to customer service/ executive offices - the same office that did not resolve the issue in the first place. American Express first stated that if I was refunded it would adversely affect the " primary '' account holder. I was told to call the 800 number on the back of the card for my refund. I called the 800 number and was taken back to square one. This of course did not resolve matters. 
Additionally, my response following my demand letter stated that the " primary '' cardholder is response for reconciling the account and not American Express. I was called a second time after the first response to the demand letter and told to contact my bank and ask for a recall of funds. This did not make sense to me. At this point, I am reaching out to the Consumer Financial Protection Bureau for assistance.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Re : Account Number : XXXX About a month ago, I wrote Chime to dispute fraudulent charges on my account in the amount of {$110.00}. I did not make or authorize these charges and apparently have been the victim of identity theft. I am requested that : The charge be removed. 

Any finance and/or other charges related to the fraudulent charges be credited to my account. 

By this point, they have denied to give me a provisional credit nor a refund since the inception of my first dispute.

These requests were made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

I had enclosed copies of from my Cashapp and XXXX XXXX XXXX XXXX accounts that had been barraged with attempted fraudulent transactions from XXXX ( however, unlike Chime, XXXX detected the fraudulent activity immediately and blocked these repetitive charges & alerted me ) as evidence that these charges are fraudulent. Please investigate this matter and correct the billing error as soon as possible. 

Regards, XXXX XXXX XXXX Attached are evidentiary evidence.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX I contacted Direct Express at XXXX XXXX and spoke with customer service to dispute a transaction on XXXX/XXXX/XXXX of {$92.00} with XXXX XXXX They said they were transferring me to Dispute Department but I was redirected by the voice system to a recorded message telling me to call back and hund up. On my second attempt the same thing happened. i want to open a dispute for this transaction. I never checked in to this hotel or check out. There is no camera footage of me doing so. A family member was delayed getting into town. The hotel would not allow me to make adjustments well in advance. I want this transaction reversed.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Money Lion appeared on my credit report showing a balance of {$500.00} for a loan. I have never heard of this company and definitely did not request or receive a loan from them. I called Money Lion on XX/XX/2021 and spoke with XXXX. She took my complaint and told me she would submit it to their fraud dept. i immediately filed a dispute with all three credit bureaus and on XX/XX/2021 I called back and was told they couldnt find a loan in my name. XX/XX/XXXX, I received an email from XXXX stating they would not remove it because its accurate. IT IS NOT ACCURATE, therefore, Im filing a complaint with you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint against XXXX and Experian due to the fact that they're infringing on my right to privacy. As 3rd party agencies they have been reporting personal information of mine to corporations and it has been affecting me in a negative way. I sent the them an opt out letter and a letter stating how they have negative accounts on my profile that I want removed from their database. The agencies are only updating the accounts and are ignoring the fact that they're affecting the way that I do business with financial institutions. These accounts are showing closed on my report and I demand that they're removed.