23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello I received a {$40.00} 1099-MISC tax document for XXXX  from Amex for my Amex credit card account ending with XXXX. As per Amex agent, the {$40.00} amount comes from an reimbursement issued by Amex on XX/XX/year>. I requested Amex agent to issue this reimbursement for me then because there are a total of {$40.00} Amex credit card benefits not automatically reimbursed for XXXX and XX/XX/year>XXXX  ( {$20.00} flexible spending benefits for Amex business gold credit card ). 

I believe this {$40.00} reimbursement should not be counted as a taxable income for me and it seems to be an Amex accounting error. However, I contacted Amex several times and they said they can't modify the 1099-MISC form for me. Please help me on this. All I want is a fair solution to correct Amex mistakes in issuing 1099 forms. 

For your reference, here is my Amex account info : Amex credit card account ending with XXXX My name : XXXX XXXX My email address registered for Amex : XXXX My last 4 digits of SSN : XXXX My contact number : XXXX and XXXX My address on Amex profile : XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally dispute the existence of an account associated with my personal information that I believe has been created without my consent. 

Account Details : XXXXXXXX XXXX Date opened : XXXX XXXX I am concerned that this account may involve fraudulent activity and does not accurately represent my identity. As such, I kindly request that your team conduct a thorough investigation into this matter and take the necessary steps to remove my information from the unauthorized account.
Product: Debt collection

XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These all go to house phone XXXX this is just sample over last approx two to three weeks going on. there are numerous to my cell phone also. Some how they have gotten my dads number XXXX harass him with calls and I do not talk to my dad.
Product: Checking or savings account

I had opened Citi Regular checking account with a promotion of Cash back {$200.00} offer. Terms and conditions were that I need to deposit $ XXXX within 15 days and keep it there for at least 90 days and after that I will get the {$200.00} bonus. 
I have been following up with Citi regarding this. It's such a large bank and full of inefficient employees that i keep on getting different answer. 
Today i called over the phone and the gentlemen told me that I will be getting the {$200.00} cash bonus by XXXX XX/XX/2019. 
While on the chat XXXX told me that i don't have the cash back promotion at the very first place. 
This is ridiculous.
Product: Credit card

Hello, I opened a Chime account. Their agreement and advertisement to protect you from fraudulent purchases is untrue. Over the holidays, I purchased what was represented as the XXXX XXXX. When I received the " confirmation email '' with a link to my purchase and tracking information, the links went to nothing. I checked my Chime account and saw that the deduction from my account was from " XXXX apparel '' CLEARLY NOT XXXX. 

I went through the dispute process, and it was denied. Confused, I called in to speak with someone, and there isn't anyone who can give you an answer. Their " support '' is someone who is reading from a script and is not able to give you any information. They suggested I resubmit. So, I went through the process again. Uploaded all the documentation and completed the form, which was denied again. So now I'm here filing this complaint. The charge on my account was {$49.00}. It's not even about the money at this point. Going to their XXXX account, I'm not the only one they do this to. They are falsely advertising policies they are not living up to, taking advantage of people and taking their money. They need to be stopped.
Product: Credit reporting or other personal consumer reports

I wanted to know if you have received all my letters since the month of XXXX because it seems that Im not getting any response nor resolutions from here. Ive been patiently sending you letters. I spent a lot of time, effort, money and energy explaining to you guys my complaints, inquiries and disputes. I never missed to inform you how these inaccuracies affect my scores and my name. I needed resolution and I need your assistance to help me reach out to these Consumer Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I saw in my XXXX XXXX  a credit inquiry. I called Concora credit and explained it was not me and someone tried to obtain a credit card with my name and information. They said it was going to be reported and today I received a letter stating my application was denied for a card and nothing about it been fraud and removing it from my credit report showing it was fraud. I am a XXXX  XXXX  of XXXX in the XXXX XXXX XXXX XXXX As XXXX  our identity goes thru lots of identity theft. I am asking for help and complete restoration of my credit in the credit reporting agencies
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The collection agency had engaged in false and misleading practices violating FDCPA 807 and providing misleading forms violating FDCPA 812.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. These accounts are not mine, and I have no connection to them. Since they are negatively affecting my credit score and my ability to rebuild it, I kindly request that you remove these fraudulent accounts from my credit report. 

This request is made under the Fair Credit Reporting Act, which protects me from inaccurate or misleading information in my credit report. I would appreciate your prompt attention to this matter and confirmation of the removal of these fraudulent accounts from my credit history. 

I am attaching copies of the necessary documents to verify my identity and support my request. Please let me know the status of this claim as soon as possible. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureau on several occasions to correct these issues and have received no response. I attempted to call and got the run around
Product: Student loan

On XX/XX/XXXX my loan was sold to Navient from SallieMae. Like many others struggling to pay loans, I entered into Interest only repayment for the maximum time allowed by Navient. 

Following the end of the Interest Only repayment period, beginning XX/XX/XXXX until XX/XX/XXXX, payments that I made in the amount of {$410.00} were distributed to my loan in such a way that there was no consistency with the amounts paid towards interest and principal from month to month. 

One example : XX/XX/XXXX Payment made : {$410.00} Applied to Interest : {$160.00} Applied to Principal : {$250.00} XX/XX/XXXX Payment made : {$410.00} Applied to Interest : {$410.00} Applied to Principal : {$0.00} XX/XX/XXXX Payment made : {$410.00} Applied to Interest : {$100.00} Applied to Principal : {$300.00} This continued until XX/XX/XXXX when I once again had to enter into Interest Only repayment ; the only option that I was told was available to me in order to be able to pay my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to request from all 3 Credit Bureaus verifiable proof which includes documentation with my signature after they have done their investigation. this has gone on for several months and they have not sent me anything. if an investigation has been done then they are REQUIRED by law to forward to me these documents that proves that what they are reporting is in fact true and correct, THIS IS FEDERAL LAW!!!! 

They continue to generate these generic letters stating that they verified however has not sent me documentation per my 6 written request. THEIR REPORTING IS INACCURATE.
Product: Vehicle loan or lease

On XX/XX/ 2019 in attempts to make a payment to the car lender REGIONAL ACCEPTANCE CORPORATION, my payment was denied due to lender refusal. During that time, when I attempted to speak with the lender and use their automated payment system to get this issue resolved, again my payment was refused. The last time the lender accepted my payment was XX/XX/ 2019. Since this date, the lender has not only compounded interest daily on my account, but also has called twice a day, everyday, for the past 30 days to ask when the new amount with the compounded interest would be paid in full. Many of the phone calls have been very demanding and intimidating - threats of vehicle repossession. As of XX/XX/2019 the original amount due was XXXX {$440.00}. However, today on XX/XX/, 2019, the amount due is XXXX {$1400.00} with interest included. I am reporting the company REGIONAL ACCEPTANCE CORPORATION as a predatory lender because they are not only difficult to work with, but also I suspect racketeering. Additionally, not only do I have statements showing my payments made on XX/XX/XXXX and XX/XX/ 2019 were rescinded ; but also I have photos of a recent online payment made the evening of XX/XX/, 2019 being refused as well.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXX - XXXXXXXX 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

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Creditr Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; Bankruptcy XXXX XXXXdischarged US BKPT CT FL XXXX Filed XXXX XX/XX/XXXX Reference number : XXXX
Product: Credit card

This Home Depot credit card has four promotional balances on it, but they refused to allow me to pay them! I could not pay them online. I was told I had to talk to a representative. After 30 minutes on hold and asking for a supervisor THREE times, they still seem unable to let me pay my debts without being able to charge me the interest!!! TOTALLY SHADY BUSINESS PRACTICES. 

I just got off the phone with the the " final '' supervisor, XXXX XXXX, who stated that my account balances, including the promo balances are being paid today, but I am concerned that I am just being told that because they said the balances wouldn't show as PAID for SEVEN DAYS!! SHADY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I am not an attorney or a third party I am filing a complaint on behave of myself because it is my LEGAL right to do so. I have viewed my credit file and I noticed that there are several incomplete or inaccurate items on my file. The following addresses are not mine please delete them : Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

My name is : XXXX XXXX XXXX please delete/remove any other version of my name : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. 
My Phone number is : ( XXXX ) XXXX Please Delete Phone Numbers that do not belong to me : ( XXXX ) XXXX, ( 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: Debt collection

Beginning XX/XX/XXXX, I contacted Professional Debt Mediation Incorporated about a debt that was being negatively reported on my credit report. The debt was a mistake and I was given a letter from the property manager Office XXXX XXXX that stated I don't have a balance with their company and that I have a {$0.00} balance with them. The letter included the letterhead and well as a signature from the owners and contact information to contact them. I never received a response in XXXX. I once again contacted them on today XX/XX/XXXX and once again I sent in the information to them someone where I had sent in previous correspondence to them as well as the letters originally received from the property management office. Once I spoke with them to ensure they received documents I was over talked by an employee as I was trying to explain my situation. He pushy and rude and kept trying to collect an old debt that was out of the statue of limitations and has already been dropped legally from my credit report over 3 years ago.. I asked for a copy of my file that's when the manager was put on the phone. The manager then told me to email the information and documents that I have over once again to another party of their company. I feel that I have been treated unfairly because I don't owe this debt and I have provided proof numerous times providing proof that I don't owe this. This has made it difficult for me to find a place of residence for me and my daughter.
Product: Prepaid card

I CAN NOT USE THIS CARD AT SEVERAL ONLINE RETAILERS. THE ONLY INFORMATION I RECEIVED WAS TRY AGAIN LATER OR USE A DIFFERENT MERCHANT. NO REASON FOR CARD BEING DECLINED IS GIVEN JUST TOLD TO TRY AGAIN IN 24 HOURS. ALSO IS THE CREDIT ON THIS CARD VALUED IN A DIFFERENT MANNER THAN CASH? WHY CAN I NOT EXCHANGE IT FOR CASH? WHY IS THERE NEVER A REASON GIVEN FOR DECLINE. WHY DOES VANILLAFGIFT.COM WEBSITE NOR WORK [
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not freeze my credit report. I have now tried calling them ( busy signal ) - and the website refuses to place a hold. I am ready to pay.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit BXXXX XXXX XXXX  XXXX Account XXXX XXXX  is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXXXXXX Account XXXX XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

I have been trying for over 12 years to get access to my credit score online to no avail. Equifax keep ignoring my request because I'm XXXX. They also keep changing my credit card for membership that I cancelled.
Product: Debt collection

Theres a bill for insurance payment from XXXX that credit collections CCS in Massachusetts is holding but the company didnt allow me to dispute nor did they allow me to negotiate and it remains in my credit report and the company wont communicate to resolve it. I sent a letter to their registered agent and it was returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed an account with the credit bureau The account information came back as verified and I have requested proof of verification and not received it. 

The account does not belong to me and if they have information where someone has been allowed an account in my name I need to be provided with the documentation so that I may pursue further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of ID theft most of the items have been resolved except the one item still on the report : 1 ) Chapter XXXX Bankruptcy Docket # XXXX
Product: Debt collection

XXXX XXXX started a credit card in my name and told me it was in her name
Product: Credit reporting or other personal consumer reports

TO EQUIFAX, I recently went through my credit report and I observed a lot of inaccuracies and unauthorized reports on my profile. In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions THE ACCOUNTS LISTED HERE HAVE VIOLATED MY CONSUMER RIGHTS AND I NEED IT OFF MY REPORT EFFECTIVELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By law, consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a " respect for the consumers right to privacy ''.

PLEASE SEND ME A COPY OF MY UPDATED REPORT TO VERIFY AND CONCLUDE THAT MY CONSUMER RIGHT TO PRIVACY IS RESPECTED AND CONTINUES TO BE PROTECTED.
Product: Debt collection

I was contacted on behalf of XXXX by ARS National Service to collect on my outstanding debt. After an agreed upon settlement amount, I was told that if I made a payment over the phone with them through a check, my check would be written directly to XXXX and not ARS National Service. I had ARS specify this. When my check was cleared through the banking system, the image of my check said 'Pay to the order of ARS National Service '. I still have not received confirmation from XXXX that my balance was settled and paid in full with them.