23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gotten my free credit report and for the last many years I have an address that does not belong to me and it is :XXXX XXXX XXXX XXXX XXXX, FL XXXX .... I have never lived there and I requested this removed from my credit report twice before to no avail and I need it off my records. 

My current employer is not on my records which is : XXXX XXXX XXXX XXXX XXXX XXXX and began employment XX/XX/XXXX and currently employed. 

I currently have a {$5000.00} personal loan with XXXX XXXX XXXX XXXX XXXX and paying it timely but the one that I had for {$2000.00} before this one was paid in full and satisfied and it does n't reflect that. 

I also had a satisfied closed account with XXXX back in XX/XX/XXXX I also have never in my life had any mortgage anywhere in the united states and I have only financed one car in my life and only in Florida I have seen multiple car loans and mortgages in different states. I have never lived in any other state.
Product: Debt collection

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect
Product: Checking or savings account

This text came from bank, which I don't have any current accounts with. By making it sound as if my accounts would be locked out money would be lost tried to get me panic and click this link they sent. Which you never click the link they send you no matter who they claim to be.
Product: Credit reporting or other personal consumer reports

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.
Product: Debt collection

XXXX XXXX Keeps selling a bad debt to several collectors after constantly being disputed and deleted from my credit report. First it was XXXX  XXXX XXXX which I disputed then XXXX  which I disputed and was deleted and now they sold it to southwest credit system. After multiple attempts and constant proof its not my account I will like it to be permanently deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Product: Mortgage

Chase mortgage continues to charge me {$15.00} for fees but when I call to inquire what the fees are for no one can tell me. I am current on my loan and this {$15.00} could be going toward the principle on my loan so I can pay it off sooner. All I get when I speak with someone is a promise they will find out what it is and they will call me back but I never get a return call. You assistance in this matter would be greatly appreciated. 

Thanks,
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/XXXX, I called Chime to check on my account. The agent that answered directly from the Chime support phone number ( it even pops on the cell as Chime ). The agent said I suspicious fraud and it was very important that I follow the steps to mitigate things. I asked to speak with a manager and he agreed and said his manager XXXX would take over. He asked for my best contact in case we were disconnected and then also gave me marks information and then put me on hold. We were disconnected. The fake agent, XXXX, called me back and went through the same process as the Chime agent, telling me transfer funds to a separate account to Chime can freeze my accounts and give me access under a separate temporary account. Once this was done he disconnected. I called Chime back over 10 times. I was disconnected several times in trying to explain what happened. I spoke with agents and tried to get them to let me speak with a supervisor after which they would put me on hold and then hang up. I got one supervisor who said this is so unfortunate but Im going to send you money to help. The last person I spoke with actually filed a dispute but the dispute came back no more than 10 minutes later saying I was at fault. Even when I sent supporting documents to Chime, as the supervisors instructed, the email came back saying Chime couldnt receive the documents ( direct email from Chime ). I was scammed out of my final and only {$640.00} dollars.
Product: Credit card or prepaid card

I spoke to the disputes team at JP Morgan Chase on XX/XX/XXXX, during the hotel reservation that I was being overcharged for. I was instructed to wait until the reservation was completed and then ask the hotel to bill the unauthorized upgrade amount to a separate card and to have itemized billing for the unapproved, unauthorized upgrade fee. I followed those instructions to a t and had a significant amount of evidence to help validate my dispute but the dispute team immediately dismissed my claim without seeing a single document on XX/XX/XXXX. They later reviewed the decision without taking into considering all of the evidence that the reservation was for a fixed fee and stated the charge as valid on XX/XX/XXXX. I think the least they could do is ask for all of the documentation before reaching a decision. Below is a copy of the appeal I filed with JP Morgan Chase. 

Formal Appeal : Dispute Case XXXX - Reason Codes 12.6.2 and 12.5 I hereby submit an appeal relating to dispute case XXXX, involving a charge levied on my account. This appeal is predicated upon reason codes 12.6.2 ( Paid by Other Means ) and 12.5 ( Incorrect Amount ), as detailed by XXXX 's chargeback management guidelines. 

Under reason code 12.6.2, I provide evidence that I paid for the transaction by other means with the XXXX card ending in XXXX in the amount of {$4700.00}. Proof of payment is attached with the title Room Charges Folio. Secondly, I am including the contract/reservation document titled XXXX XXXX XXXX Reservations, outlining the room type, the price, and the dates of my stay. This document clearly states the terms of the reservation in every aspect. 

For reason code 12.5, I challenge the incorrect charge amount. Per the contract, the total should have been {$4700.00}. However, my XXXX ending in XXXX was charged an additional {$2500.00}, amounting to upgrade fees. I have also attached a document titled Upgrade Fees Folio charged separately to the disputed card. 

Lastly, an upgrade fee was applied to my charge without my prior consent. The merchant did not provide me with the standard document to sign at check-in agreeing to an upgrade fee, nor did I sign such a document. I have a blank copy of the Guest Room Upgrade Agreement form for your reference. 

The issue persists despite several attempts to resolve this directly with the merchant, the corporate office, and the concierge assigned to me. Given the evidence, I maintain that the initial dispute resolution must be corrected. 

Please reconsider my dispute, with the understanding that I called during the reservation while the charge was pending and was told by the dispute agent ( XXXX ) to let the charge post, get the upgrade charges on a separate folio, and then submit this documentation to evaluate my claim. Despite having substantial evidence, I did not have an opportunity to present it and was dismissed under an indiscernible premise. I trust your diligence in upholding the protections to prevent these unethical and scrupulous issues. Thank you for your prompt attention to this matter.
Product: Credit card

I completed XXXX balance transfer requests with USAA, the first on XX/XX/XXXX for {$5000.00} ( REF # XXXX ), and the second on XX/XX/XXXX for {$25000.00} ( REF # XXXX ). The USAA promotional offer that I could view through the online account while logged in showed I was eligible for XXXX XXXX  interest for XXXX XXXX for a balance transfer fee of XXXX XXXX. The total transferred was {$7500.00} and the fee for that amount was {$220.00}. I was/am being charged interest of XXXX XXXX effective immediately, and the first month 's interest charge was {$73.00} on my XX/XX/XXXX statement. I called USAA to report the issue at noon on XX/XX/XXXX and spoke with XXXX ; Case ID : XXXX. She advised she could not see the promotion and would have a rep from the XXXX XXXXXXXX XXXX XXXXXXXX contact me. At XXXX on XX/XX/XXXX, XXXX XXXX the XXXX XXXX XXXX XXXXXXXX contacted me and I again explained the issue. I noted again the promo was presented to me while I was logged into my account. She advised she would research the issue and follow-up with me. At XXXX on XX/XX/XXXX XXXX called me back to advise she could not find the promotion I was referencing. Basically accused me of lying and offered me no resolution. I have been a USAA member for XXXX XXXX, first under my parents, and since XXXX under my own account. I have multiple USAA banking and insurance products and I have never missed a payment. I explained that I was being defrauded. There is no rational reason to accept a balance transfer offer and pay a fee only to be charged interest. They have pulled a bait and switch and I'm deeply concerned with USAA 's anti-consumer practice. I was defrauded and I now have no recourse to be refunded the balance transfer fee and interest. If they will not honor the agreement then I will pay off the card, but they must refund me for the balance transfer fees and interest. This is completely unacceptable. I requested management escalation and XXXX refused stating, management does not take calls to speak with members. They will do nothing to help me. I need help, PLEASE!
Product: Credit reporting or other personal consumer reports

hello, This is XXXX XXXX XXXX, I'm asking these accounts be removed permanently. Due to the creditor XXXX, Changing account names like : XXXX ( XXXX ) then ( XXXX  XXXX ) and many more and changing account numbers multiple times not providing investigation results and how they determined those results.these are FCRA rules I'm asking XXXX to be investigated for fraud for placing the same XXXX auto loans, XXXX If you look you can see i have XXXX or more reports I've sent with XXXX, including police reports. all they do is change the name account number
Product: Debt collection

I settled a collection with Credit Collect Services. Credit Collect Services received the funds on XX/XX/2021 and it's reported on my XXXX credit report that I owed {$0.00} balance. XXXXredit Collect Services continues each month reporting to XXXX that account is in dispute which has been settled. Please have the account removed or stop reporting this the account is in dispute. I contacted XXXX each month starting in XX/XX/2021 to remove the comments but the remakes keep reappear each by Credit Collect Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX falsely reported a debt stemming from an alleged overdue cable bill with XXXX XXXX in my name. In response to CFPB complaint XXXX XXXX XXXX  XXXX acknowledged that, while it did not own the debt, it was seeking to collect for an alleged amount from XXXX. In CFPB Complaint XXXX I disputed the debt. Moreover I informed XXXX they were not licensed to collect in my state, Michigan. XXXX responded stating it would cease all collection efforts1. However, XXXX has continued to furnish information regarding the alleged collection account to the XXXX. The XXXX  have allegedly transmitted disputes to XXXX and " verified '' the continued collection activity despite XXXX making clear it'd ceased all collection activity. Full statement and documentation attached.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) continues : Additionally, a person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer must provide complete and accurate information. If the information furnished is found to be incomplete or inaccurate, the furnisher must promptly notify the consumer reporting agency of the corrections or updates that need to be made.

This section is part of the Fair Credit Reporting Act ( FCRA ), which is designed to promote accuracy, fairness, and privacy of information in the files of consumer reporting agencies. It places obligations on those who furnish information to consumer reporting agencies to ensure the information is correct and to correct any inaccuracies that are discovered.
Product: Credit card

XX/XX/2024 Today I went to XXXX XXXX to grocery shop for my elderly mother. While doing so I tried to use my Sams Synchrony card to purchase my mother groceries and my card did not work. They are not lawfully allowed to decline my card. under the 12 CFR 1666 ( b ) Timing of Payment. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

This company have obtained my personal information from a company without my consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records.

29 U.S. Code 1109 - Liability for breach of fiduciary duty Company only sold debt to collect on behalf of another company but have Failed to send validation notice and inform consumer about notices of opting out of reporting, only sent enforceable contract to attempt to collect. Statement of disclosure does not provide notices. Credence Resource Management are not listed on the Louisiana Secretary of State official website business entity filings to collect a debt in the state of Louisiana. This company have been listed as permanently closed.
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Late Payments Not Authorized To Be On My Report No written authorization was given XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX NY XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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 arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Today I called American Express to inform them that I am unable to pay the minimum amount due based on the warning I noticed on American Express account and suggestion to take financial relief help. However, the person who attended the call got all the information about my unfortunate circumstances and denied an opportunity to pay the debt over time with a lower interest rate and manageable monthly payment. 

I requested them to allow me to pay after XXXX of every month, they denied the ability to do so. They also asked for an immediate payment ( first payment ) if I agree to the plan. 

I already informed them about this last week when the person on chat didn't suggest me to apply for financial relief or offer a plan for the same. 

Later in the day I got a email with monthly payment of XXXX instead of the current amount that is around {$770.00} that I am unable to meet. I am attaching emails from both previous month and this month. This is like trying to push me into further distress without acknowledging the fact that I am already in distress. 

This case is related to federal case XXXX California civil case XXXX.
Product: Credit card or prepaid card

I made a per XXXX with my XXXX Genesis credit card in XX/XX/2022 and was told I would have 0 % interest for 12 months. I had to pay a certain 20 % percentage down to qualify for the 0 % interest. My interest rate was incorrect and I paid interest in multiple payments. 

They randomly credited my account in full and rebilled as separate charges on different dates for different amounts and my monthly payment tripled. My original purchase amount was for {$3600.00}. I paid {$720.00} and put the remaining balance on the credit card of {$2800.00}. 

They since have credited and rebilled my card multiple times without my knowledge and my monthly payment has tripled. These are all udaap violations. 

I called and was hung up on when questioning my account and attempted to call back 4 more times and the call disconnected each time.
Product: Credit card

I held/have a Dillards American express credit card that was originally manage through XXXX and was recently switch over to Wells Fargo bank. My account was recently closed due to non-payment, which the last payment I personally made on this account was in XXXX and was informed that the credit protection that I had taken out on this card from its original management XXXX would be making the payments because I was approved for benefits from a claim that I had been filed that was never honored. I spoken to XXXX executives over a wells fargo bank ; XXXX XXXX, and XXXX XXXX who have yet to get back to me and also I have left numerous messages. At this point I 'm ready to take legal action on both companies ... .. 
This is my new credit card number XXXX and this here is my old credit card number in which the credit protection has on file XXXX and this is the card number the new claim is approved on
Product: Credit reporting

An Employment Credit Report was conducted by TransUnion on XXXX/XXXX/15. The report concluded " ADDRESS ALERT : POSSIBLE ADDRESS MISMATCH IDENTIFIED - BY LAW, ACTION IS REQUIRED BY THE EMPLOYER. '' The address they listed on the report was XXXX XXXX XXXX, XXXX, CA XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. The XXXX Service and XXXX XXXX XXXX XXXX XXXX ( of which XXXX is a part ) allows for " XXXX '' addresses. Despite multiple attempts to contact TransUnion, I have been unable to get my credit report or talk to an actual human being. I have no idea whether my potential employer will see the Address Alert as something to be concerned about, despite the fact that it is merely TransUnion 's omission of the " XXXX '' part of my correct and legal address. And I have no way of correcting such a trivial error since I can not get in touch with TransUnion. I 'm attaching the complete background report, for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 8 student loans that are reporting on my credit report and my social security number under the accounts are incorrect. The accounts are listed below. 

DEPT OF ED / XXXX - {$5900.00} DEPT OF ED / XXXX {$3300.00} DEPT OF ED / XXXX {$2800.00} DEPT OF ED / XXXX - {$2700.00} DEPT OF ED / XXXX - {$2500.00} DEPT OF ED / XXXX - {$2300.00} DEPT OF ED / XXXX - {$1400.00} US DEPT OF EDUCATION XXXX {$910.00}
Product: Credit card or prepaid card

Am an american express membership rewards member. Upon attempting to transfer points to XXXX XXXX  on saturday XX/XX/2018, the following message was received : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' Called customer service same day, which did not resolve the issue. Could not give a time frame of resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an alleged debt on my credit report reported by Ability Recovery Services LLC, stemming from XXXX University. I disputed it as it's older than 7 years and should not be on my credit report regardless if it's owed or not. I disputed it based on this. The response to the dispute was that they verified this item belongs to me. This does not address that it is older than 7 years. 

I submitted the dispute on XX/XX/20. I received a response XX/XX/20. 

XXXX also has accepted and closed the dispute, even though the response does not answer/resolve my dispute.