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

This complaint is regarding a closed Amex blue cash everyday credit card. I was mislead twice by Amex online chat agent and it caused the loss of one of my longest credit history. 

My card was closed by Amex without noticing me in XX/XX/2020. The reason for closing was inactivity, the account had XXXX balance. I found this out within a few weeks while checking my credit reports and contacted Amex via online chat on this issue. The chat agent told me if I call Amex within 1 year of closure I can get my account and credit history back. I contact Amex a second time via line chat and they told me the same 1 year rule. I called Amex in early XXXX, and the call agent notified me they can not reopen my account and I had to call within 90 days to reinstate my account. I was mislead twice by Amex online chat agent about their company policy and that lead to loss of my credit history on this account. This shows mismanagement and an inability to serve customers in the most basic tasks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 2 late payments on my XXXX account have been removed over a month ago and it's still hasn't been updated. Has been updated on other credit bureaus.
Product: Checking or savings account

I have been a customer of Ally Bank ( XXXX ) ( totally online ) since XXXX. I never had any issues with them. However, they have not processed my direct deposit ( from my job ) in a timely manner. This has caused great distress to me today because, like most people, I have obligations to meet and can not at this time. 
Furthermore, their online customer service today was abysmal. Absolutely shocking ( I have saved the chat logs ). Rude, unprofessional, and irresponsible. 

My direct deposit was supposed to show up yesterday ( Monday, XX/XX/XXXX ). As of mid-day Tuesday, it still has not.
Product: Debt collection

A debt collection company XXXX XXXX using several different phone numbers continues calling my house for a debt that is not mine. The phone number they are using currently using is XXXX but they have called using several different numbers.
Product: Mortgage

I as a single XXXX female and mother of XXXX was scammed by the process of purchasing a home in XX/XX/XXXX. I got the home inspected and the home inspection passed, however recently found out there was a home inspection prior to mine that failed the inspection on the same house. Now founding out the house was overly assessed and valued, with major concerns of XXXX mold that is causing me and daughters XXXX issues like no other. Major Electrical issues that are fire concerns and foundation issues. I want some to be accountable to this scam. The prior inspect fell and did not pass. 


purchase home XX/XX/XXXX home inspected property in XX/XX/XXXX was determined to have XXXX mold and major safety electrical issues in the home Home stated that heat worked and was not working Safety Issues Foundations issues Major plumbing issues Lack of disclosure from the sell, broker, home inspector Scammed me in purchasing a home that is cause me and daughter to get very sick Lack of Disclosure concerns that is causing me and daughter get sickness XXXX mold
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about the inaccurate Items. Below the listed Items that need to be update or fixed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Subject : Dispute of Investigation for Uncredited Return Purchase XXXX XXXX  Dear CFPB, I am writing to formally dispute the lack of resolution regarding my complaint against XXXX XXXX, where they failed to credit my credit card for a returned purchase. I returned the item ( s ) as per their return policy on [ date of return ], and despite multiple attempts to resolve this matter with XXXX XXXX, my credit card has not been credited. 

Details of the Dispute : Merchant Name : XXXX XXXX  Date of Purchase : [ date of purchase ] Date of Return : XX/XX/24 Return Tracking Number : n/a Credit Card Used : XXXX Amount to be Credited : {$200.00} Summary of Issue : I followed XXXX XXXX  return policy, including providing all necessary proof of the return, such as the return receipt and tracking details. Despite this, XXXX XXXX has not processed the refund to my credit card, and they have not provided any valid reason for their failure to do so. 

I filed a complaint with the CFPB, expecting a thorough investigation and resolution. However, I was informed that no further action would be taken, which is unacceptable given the clear evidence of my return and XXXX XXXX 's obligation to issue a refund. 

Request for Reconsideration : I kindly request that the CFPB reopen and thoroughly investigate my complaint against XXXX XXXX. The company has not fulfilled its duty to credit my returned purchase, and I am seeking your assistance to resolve this matter promptly. 

Enclosed are copies of all relevant documents, including my correspondence with XXXX XXXX, the proof of return, and my original complaint to the CFPB. I believe that a proper investigation will show that XXXX XXXX has failed to credit my account, and corrective action is necessary. 

I appreciate your prompt attention to this matter and look forward to a resolution. If you need any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your assistance. 

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

I was reviewing my background check and two of my XXXX ( XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XX/XX/16 and XXXX XXXX XXXX XX/XX/16 ) are listed under XXXX County, XXXX instead of XXXX County, XXXX. I don't want my potential employer to think I wasn't truthful.
Product: Credit card

A charge for {$510.00} was made to our American Express credit card at XXXX on XX/XX/2023. 

We did not make this charge. It was the day before we left on a big trip, and we are quite confident that we did not visit XXXX on this date, nor did we place any online or phone order with XXXX. 

We gave this information to American Express, but they refused to credit the charge. No information or documentation was provided for the refusal. 

Separately, we contacted XXXX 's to ask them for an itemization of what was purchased, and they refused to give us that information.
Product: Checking or savings account

On XX/XX/2021 I made reservations for the XXXX XXXX XXXX XXXX as a XXXX XXXX member. I was dissatisfied with the room Accomodations that were given to me upon arrival, I made a complaint with the Manager XXXX XXXX /Housekeeping supervisor at that time and I disputed the amount of {$100.00} through my bank on XX/XX/2021 overcharged for the inconvenience with the room accommodations upon arrival to the room and the housekeeping services not done accurately on XX/XX/2021 they reclaimed the charge of {$100.00} back to my bank account. This was not right and they were made of aware of the issues at the XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My name was legally changed by court order in XXXX of XXXX. I submitted this name change to the 3 credit bureaus in XXXX of XXXX after encountering some issues with lenders regarding name mismatch. Experian removed the entirety of my credit history at this time. I filed dispute after dispute, all to no avail. 
I submitted a complaint regarding this and it was actually resolved and fixed, my entire credit history was restored. However, my credit history was, again, completely removed approximately one week later. 
As of now, only new credit lines are reporting in, the lines that I opened to try and test if the fix had actually fixed. My credit report with Experian is missing more than 20 tradelines at this time and making it impossible to obtain credit necessary to repair my house and continue my education.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I have reached out multiple times about this account not being mine, only to receive the explanation of a " payment ''. I am not asking for amounts paid, as i very well had roommates. I am requesting proof that this is mine because i did not issue payments or opened this account and i am requiring LVNV Funding to provide that proof or remove this. This has been going on for extremely to long and needs to be removed or provided with accurate evidence so i can either file a police report ( as the police have already requested ) but without EVIDENCE i can not. With that being said, i need this figured out.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the consumer reporting agencies to report accurate information on a consumers report. I took a look at my reports and saw that the credit bureaus are reporting a payment was captured XXXX of XXXX but both bureaus are also stating that the last payment date as XXXX  and the account is current. How is this possible? It is illegal to report inaccurate information and I am requesting that this late payment remark is removed.
Product: Checking or savings account

I have several CD 's with Synchrony Bank. On or about XX/XX/XXXX I opened the Banks web page and there was an add for a 16 month 2 % CD. I immediately opened the 16 month 2 % CD with XXXX. When I received written conformation the rate was 1.85 %. I called to complain and wa called a liar ( my words ) They said the 2 % didn't go in effect untill the next day yet it was advertised on the web page. I am a XXXX XXXX XXXX XXXX XXXX XXXX  to the Mass Senate, why would I lie. But for the add I would not have opened the account, CD. I spoke to the first banker 's supervisor and was told the same thing. I wanted to close the CD but was XXXX there would be an early withdrawal fee. Please help. I'm XXXX but did not make a mistake. I believe my age is why they are jerking me around. There had to be others that did the same thing. There web page may have been early but that wasn't my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following accounts on my credit report to have them removed and they were updated instead : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This leads me to believe that a fair investigation was not conducted. Experian nor any other reporting agency has my written instructions to furnish this information. How did the credit bureaus verify these accounts as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX BANK, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX BANK XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report buXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX continue to deliberately report inaccurate and fraudulent accounts on my credit profile. I've submitted dispute letters as well as an FTC report to have this situation rectified. To no avail, the inaccuracies still remain. Under FCRA XXXXS 1681 b ( XXXX ) this is a complete and utter disregard of my rights and will be addressed in litigation if not verified, validated or deleted immediately.
Product: Credit card

I think the account might not be valid. Westlake Portfolio Management. must confirm in a legally binding statement that this claim is legitimate and doesn't have any issues like breaches of agreement, lack of consideration, or significant changes, and that the original lender received proper value. Also, they must assure that the transfer of the alleged account was done in good faith with everyone 's agreement. If they can't provide this sworn statement, I demand the removal of the account from my credit record and their records.WESTLAKE FIN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis Today I received the attached letter from Lexis Nexis from CFPB in reply to my 7 th complaint filed against Lexis Nexis both by US Mail and to the CFPB.. 

1.. This is the first time Lexis Nexis supplied me XXXX XXXX   and contact information. 

2.Lexis Nexis NEVER sent me the list of 71 Historic & Unverified Jugments & liens '' which today 's letter claims they did. 

3.This letter attached says Lexis Nexis supplied me a copy of my Accurint Report. This is false. They only supplied me a list of my home address ' for the past 30 years. ONLY. 
They have NEVER supplied me the list they sent to XXXX XXXX XXXX, XXXX law Firm or to XXXX XXXX XXXX. 
I am trying to have the list of liens and judgments corrected, DELETED and a corrected copy sent to me. 
I also need this support information to claim against XXXX XXXX for their relying on what was clearly bad information that forced me to disclose information on MY FINRA U-4 that was not accurate. 
XXXX XXXX billed my employer, XXXX XXXX XXXX {$5000.00} which was deducted from my paycheck in a month when {$5000.00} was my only income and it caused me a lot of financial difficulty. 
I expect to recover this {$5000.00} from XXXX XXXX.I will  add this email to my complaint at CFPB.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> this company pulled my credit report without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account number XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I tried to charge my chase credit card at XXXX on XX/XX/XXXX for hotel stay but it got denied because Chase thought it was fraud. So, I paid the vendor in cash as per his request and was granted admittance into the hotel. 

Later on, I got a text from Chase that stated : " Chase XXXX We declined {$450.00} at XXXX XXXX XXXX XXXX for card ending XXXX on XX/XX/01. was it you? If YES text 1, NO text 2 '' I only responded to that initial text the next day or XXXX hours after I checked into the hotel. I responded 1 because I wanted to use my card while in XXXX. 

I then received the following text : " Chase Thanks. The Transaction was not completed. If you want to make the purchase with this card, have the merchant reprocess the transaction '' ( see attached screenshot ) I never had the merchant reprocess the transaction, I never gave the merchant my credit card after it was declined, I never authorized the merchant to charge my card again. Because the text said that the " transaction was not completed '' I didn't think I needed to call my credit card company while I was in XXXX nor worry about the transaction. 

When I arrive home and check my credit card account I see that I was charged on XX/XX/XXXX {$430.00} from XXXX XXXX XXXX XXXX. I immediately contact Chase and filed it as fraud on approximately on XX/XX/XXXX. 

Several weeks later I'm told that this is not a fraud case and it was transferred to the Chase dispute department. I never received a receipt for my cash payment nor did I think I needed to keep any documentation because I never reauthorized the merchant to charge my card. I lost the dispute with Chase. 

In addition, I am in XXXX XXXX and Im sure this happens to people all the time where their credit card is initially denied. I tried reaching out to the hotel via phone and email and they never responded back to me. 

This is not a case of a duplicate charge this is a fraudulent act by this hotel to get an additional {$430.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.
Product: Student loan

I am currently paying my student loan and have been as a direct debit, but my payment is still going to principle AND INTEREST, where I understand the full amount of my payment should be paying down the PRINCIPLE only ... and this is not happening. 
I called twice and both parties said I will get a call back ... and no one ever did. All my payments we never late ... and since covid issue ... I continued to pay every month ... its not fair I'm being charged interest as many are NOT.
Product: Checking or savings account

i opened a 360 savings account with capital one i was advised its in my best interest so I didn't nothing good has happen
Product: Consumer Loan

I leased a XXXX XXXX from XXXX/Chase Manhattan Bank as the leasing company. I never missed a payment and over-paid the load every month. I was in an accident. I called Chase to let them know several weeks after the accident and upon speaking with a supervisor at Chase she and the person before her recommended that I immediately seek a refund for the over-paid amount. I made that request at the supervisors urging. 

I received a call from that same supervisor last Thursday telling me that I had to prove that I paid the overage amount. I did not pay it in one lump sum as she was requesting me to show and she knew that I paid over {$250.00} dollars every month for the past 2.5 years equating to the more than {$4500.00} in overpayment that shows on my account. She accused me of not paying the amount and had to have proof of the full amount before they would even consider repayment - EVER!! 

I was never asked to prove that I was paying with each monthly payment more than {$250.00} dollars. All payments came from the same account and I verified the account that the payments were received from ; so I am hard pressed to understand why Chase refuses to refund my over-payments unless they are trying to XXXX me out of my money. Obviously the large banks have not learned their lesson and continue to feel they can XXXX every customer that pays them on time and with over-paying their account. I demand my money back immediately and their futile attempts to keep my money infuriates me because it was practices such as this that got them in their first crisis.
Product: Credit reporting or other personal consumer reports

I have been disputing an account with Experian and XXXX regarding XXXX XXXX XXXX, aka XXXX XXXX XXXX Debt collector for XXXX XXXX since XX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXX XXXX XXXX to which I never received a response. I resubmitted the dispute because the year this account was opened, I was incarcerated with the XXXX XXXX XXXX XXXXXXXX XXXX at Plane State Jail from XX/XX/XXXX. My release date was XX/XX/XXXX, XXXX. I provided the release documents provided to me by the facility 's warden when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that Experian, XXXX, and XXXX XXXX XXXX are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was incarcerated. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with this matter