23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been an American Express card member since 1981, and in that time I have never had cause to question the level of service or integrity of the company. In XX/XX/XXXX, I purchased formal wear from the XXXX internet merchant XXXX, which promptly cancelled XXXX of XXXX orders. I immediately cancelled the second order, because the purchase was time-sensitive. I also called American Express to demand a chargeback. American Express claims that I owe {$510.00} for XXXX dresses ( XXXX orders ) I do not have in my possession. 
In XX/XX/XXXX, XXXX agreed to withdraw the claim for {$100.00} for XXXX dress, and refunded the money. Recently, the dispute resolution division of American Express restored this amount to my credit card debt. I am pretty sure they do n't read any of the documents they ask customers to upload when disputing a bill ( or even correspondence generated by American Express ). 
I have been petitioning customer service and billing inquiry since XX/XX/XXXX without success, regarding the second package ( cancelled by me ), a package shipped XXXX. The dispute resolution department is located overseas, and is not accessible by phone. Billing Inquiry says they communicate with dispute resolution by e-mail. It is easy to see how nuances of a case get lost, though mine is n't that complicated. 
Here are the relevant facts : 1 ) Both orders were canceled, one by XXXX, the other by me. 
a ) XXXX canceled the order on XX/XX/XXXX. ( I have a screen shot of this ). 
2 ) The packages were sent, anyway. 
3 ) Both were delivered without my signature. 
4 ) I returned XXXX package unopened to XXXX, which sent the package on to Kansas. XXXX agreed to refund my {$100.00}. However, when I returned the XXXX package unopened to XXXX -- the only way you can 'refuse delivery ' when you 're not home and they drop it off without your signature, the merchant was not so cooperative. 
5 ) XXXX tried to contact the seller for a month 6 ) Finally, the seller sent XXXX an order to 'destroy ' ( rather than authorization to return ) the package. 
7 ) I have supplied documents showing that XXXX picked up the unopened package. See line item XXXX. 
8 ) Documents showing that XXXX tried to contact the seller in XXXX. 
9 ) A document in XXXX and English from the seller authorizing XXXX to destroy this package. 
10 ) A new document of correspondence between myself and XXXX indicating that a ) the seller wo n't correspond with them. b ) that XXXX is not involved any longer in this decision making process, only American Express. 
I can only conclude that American Express is purposely making it difficult for customers to seek redress. 
I want a refund of {$510.00} and no damage to my credit.
Product: Credit reporting

I just became aware of it. 

The security questions are asking if I applied for a car loan in 2013 and I never did. 

At this time I can not publish any suporting documents. I have also had the Social Security Office ask the security question of whether I have obtained an auot loan in 2013
Product: Credit card or prepaid card

on XX/XX/XXXX I made an in store payment of {$4500.00}, witch I have receipt and counselled check drawn on XXXX  ; this was a bank ck not a personal ck. the ck number was # XXXX. The money was applied to my card and I thought the problem was over, until for whatever reason I received a ck from XXXX XXXX  in XXXX Fl. on XX/XX/XXXX for {$4000.00}. I went to XXXX store manager and tried to get this fixed, but after calling the card number, they could not help me. I received a statement from Capital One Bank on XX/XX/XXXX ( notice the year is NOT a mistake ) that had a balance as of XX/XX/XXXX of - {$4400.00} after charges and debits and credits of {$480.00}, there was and ending balance as of XX/XX/XXXX of {$4000.00}. On XXXX I received a statement that had a balance of {$4700.00}, of witch I did not put on the card. What was placed on the card in XX/XX/XXXX and XX/XX/XXXX was paid off. I have counselled ck and receipts from XXXX. I still have the money that was sent back to me in the form of a ck XX/XX/XXXX for {$4000.00}, I will send this back to the card co, I was waiting on them to clear this up. However the {$710.00} they have charged me for fees and interest I should not pay, this is my complaint. PLEASE take care of this mater, thank you XXXX XXXX
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCT Name : XXXX  XXXX Bankruptcy XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received an alert from XXXX XXXX ( XXXX  XXXX ), XXXX XXXX, and Experian I had inquiries on XX/XX/2023. I had just gotten a new I phone because mine had been acting up, so I couldn't check it until I got home. I not only found XXXX from XXXX but also another one from XXXX. 
I called the XXXX XXXX XXXX ( CRA ) and the card issuers but the card issuers wouldn't tell me anything and the CRA 's said I had get a police report and FTC report and mail them in, which I did.
Product: Debt collection

I have previously filed a complaint with the Consumer Finance Bureau, in which you stated that another person is listed as the responsible party. However, this responsible party is my brother, not me. In addition, I have not received any validation of this debt from your office like the previous response mentioned. Nothing has come into my address for me at any of the addresses listed on my credit report or the complaint with the CPFB, nor for my brother, yet I see that you have reported to XXXX  that it is verified. I have attached a letter for Sequium Asset 's that I will also be mailing to them in connection with this complaint.
Product: Credit reporting or other personal consumer reports

There was an inquiry into my credit from Synchrony Bank on XXXX XXXX, 2023 which I do not consent to or recognize. I asked Synchrony Bank to please remove it and they didn't do so. 

SYNCB XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used Chime option to send a check of {$620.00} to my realtor. On XX/XX/XXXX I got rotified the check was mailed. On XX/XX/XXXX I got notified the check was cashed. on XX/XX/XXXX, realter sent an email stating the check came back as " Refer to Maker '' and that they were unable to cash it. The same day I spowe with their bank XXXX XXXX XXXX XXXXXXXX XXXX  and asked to get the paperwork for the " Refer to Maker '' they scanned it and sent it to me. Then I texted Chime and I was told the problem was my realtor 's bank and to ask them to call Chime to fix the issue. They called and were turndown by Chime. On XX/XX/XXXX I called chime and was told the check was cashed to what they sent the number of the check, the date it was processed, printed, cleared and status as " Payee Processed Check '' I then sent another email asking for image proof of the check and I hadn't got any after then sending the exact same email 3 times. It then called chime again asking to open a case or a way to fix the issue as the XXXX XXXX XXXX XXXXXXXX XXXX says they never cashed the check.
Product: Credit card or prepaid card

In XX/XX/2018, I received an email asking me to upgrade from the XXXX Visa Card to the XXXX XXXX XXXX Visa Card. WIth that, I would receive XXXX XXXX points, as well as double the points on Gym membership as well as 2 qualifying nights for every XXXX, in addition to 5 nights a year. 
I made the upgrade through the link on XX/XX/XXXX, which is when I also switched the payments for my gym to my Visa. 
I haven't received the XXXX points, 5 nights, nor the 2 nights per XXXX nor the bonus points with purchases. I have used my Visa for many purchases for this reason. 
I contacted the regular Chase Visa line who said I wasn't upgraded. I asked to correct that retro the upgrade as I did it in XXXX and they said there was nothing they could about this. 
I reached out to Ms XXXX XXXX at card executive services, and after three follow-up she never replied or returned a phone call.
Product: Checking or savings account

XX/XX/XXXX, XXXX fraudulent XXXX transfer, XXXX dollars. 

XX/XX/XXXX, XXXX multiple fraudulent XXXX  transactions. XXXX and XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notification that my credit rating dropped five points. By this NTB/CBNA. I have never used or authorized this at all.
Product: Money transfer, virtual currency, or money service

Cash app is the most stupid digital wallet that I have ever seen. Cause they closed my account and will not even open it back up for me. And if u send money and it accidentally goes to the wrong person they won't even give u your money back and I think that's wrong too. And they won't explain nothing all they say is against companies terms or policy 's that goes against our rules and regulations. And I think that's a bunch of bull too. Cause they should have to explain everything to u not just say that.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Transunion, XXXX, and XXXX have not complied to my investigation and unauthorized inquiries to my credit report. I have provided proof of certified mail receipts and there past the 30 day response time. I request all unauthorized inquires removed off of my credit report. This is a fraudulent matter that they are refusing to remove. Attached is the proof of identity that was also sent to each of the credit bureaus when the original request was mailed.
Product: Debt collection

XX/XX/2016 I SENT A DEBT VALIDATION REQUEST FOR XXXX ITEMS REPORTED I NEVER HEARD OF. I REQUESTED INFORMATION ON THE ACCOUNTS AND NEEDED TO KNOW WHAT THEY WERE FOR SINCE THEY WERE ALL LISTED AS " Original Creditor - XXXX XXXX '' WITH DIFFERENT AMOUNTS. i HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX AND NEVER HEARD OF THEM UNTIL THESE ACCOUNTS WERE LISTED ON MY REPORTS. I AM CONCERNED WITH IDENTITY THEFT ON THIS ISSUE. 2 MONTHS HAVE PAST AND STILL HAVE NOT RECEIVED ANY ANSWER TO MY REQUESTS. I HAVE DISPUTED THESE ACCOUNTS THROUGH THE CREDIT BUREAUS AND THEY CAME BACK AS VERIFIED.
Product: Mortgage

I applied for forbearance prior to XX/XX/2020, with USAA. USAA accepted my forbearance request. I have a VA loan and was current when I entered forbearance. I remain in forbearance. 

I have had a loss claim on my home. The roof needs to be replaced due to hail damage. My insurance issued me a check to make repairs. USAA is a co-payee on the check. USAA is treating and tracking my account as a deliquent account due to the forbearance status. They will not release the insurance proceeds so that I may have the home fixed. 

The loan should not be characterized as deliquent provided I was current at the time I entered forbearance.
Product: Credit reporting or other personal consumer reports

I have sent out a dispute letter with certified tracking trying to make thing right as I am a victim of consumer law violations. Experian started an investigation on my disputes and completed them in less than a week which makes me believe no investigation was actually done. THEY ALSO DID NOT PROVIDE THE DOCUMENTS validating 100 % accuracy. I can provide dispute letter, Experian 's so called results and information supporting my claims. My personal information is still inaccurate, I should only have 1 name and 1 address listed on my credit file. Why are there multiple names and address if accounts were investigated for 100 % accuracy please explain?
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a living woman and I am submitting this complaint on my own and there is no third-party working on my behalf. My issue with XXXX XXXX XXXX XXXX is that they have breached their own contract and have provided false and misleading information. I have been in dispute with XXXX XXXX XXXX XXXX for several months about their fraudulent activity and have not received any resolution to my dispute. Instead they have CHARGED-OFF my account and have reported this negative account to the consumer reporting agencies. This is a clear breach of contract. Within their Promissory Note, it states that any DISPUTE ( meaning " any action, dispute, claim, or controversy of any kind arising out of, in connection with or in any way related, even indirectly, to the Note or the extension of credit set forth in the Note '' ) should be brought through binding arbitration. XXXX XXXX XXXX XXXX did not do this, they only charged-off my account and did not provide notice of such changes to my account. Pursuant 15 USC 1681a ( 2 ( b ) ), a charge-off account should be excluded from a consumer report and reporting a charge-off is a fraudulent reporting of an account. Reporting a charge-off is illegal because it is income and income is not reported to a consumer report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that this charge-off account should have never been reflected to my consumer report, which is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 80 . False misleading information FDCPA 8012 furnishing deceptive forms must remove/correct late payments under XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00}, XXXX XXXX Balance Owed : {$350000.00}
Product: Credit reporting or other personal consumer reports

The late payments shown do not align with my consistent payment record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have tried to have these reports removed from my credit report. I have not been successful and need assistance
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXX XXXXY Last reported XXXX XXXX XXXX {$1900.00} Reported balance I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Product: Credit card or prepaid card

I was on XXXX looking at flights when the American Express advertising appeared! Its stated I would recevive a {$200.00} credit statement ... .. come to find out, they are not giving me a credit ... please help me as a consumer.
Product: Checking or savings account

Today, XX/XX/XXXX, my PayPal associated with XXXX was permanently limited with me unable to access my funds for up to 6 months. On top of that I had pending refunds going to that account that I can no longer receive from the companies.
Product: Debt collection

Contact Wakefield & Associate on XX/XX/2019 about a medical debt that's on my credit report I am formed them that it was not mine I have medical insurance. I asked them to send me the HIPAA release form in any information with my signature on it. they refuse to remove it off my credit report and refuse to send me the HIPAA release form.
Product: Debt collection

Collection debt from PayPal in the amount of {$440.00} that I order on XX/XX/2021 for medical supplies. I never received the meditcal items because PayPal delivered them to the wrong address. And want me to pay for items I never received. I uploaded paper work show my correct address and showing the wrong address PayPal sent them to, I needed your help to clear this matter up. So PayPal can leave me only about this and stop the harassing email, us mail, and sending collection companies after me please.
Product: Credit card

XXXX use my XXXX ( provided by Wells Fargo bank ) card number ( ending in XXXX exp XXXX ) for recurring charges. 
Since card ending in XXXX expires on XXXX Wells Fargo card company send another credit card ending in XXXX exp XXXX. 

But XXXX has old card number ( ending XXXX and exp XXXX ) on their file. I never updated billing card information in XXXX. Neither I activated new card ( ending XXXX ). 
But still Wells fargo accepted credit card charge from expired card. 

I was sure that since the card has expired XXXX will not be able to charge using old card information. But Wells Fargo card service has accepted the charge on XXXX and XXXX. Since I did not use this card anywhere I did not pay attention to Wells Fargo card account. Hence I miss payment. On XXXX I got billing statement and found that I owe {$91.00} with the late fee of {$27.00}. 
I contacted company customer care and they inform that since my account number remain same they will accept the charges from expired credit card. But when I check my new statement account number it ends in XXXX. 
My question is will credit card company accept the charges on expired credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : SPRING OAKS CAPITAL LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX ) XXXX Collection Cost : {$830.00} Debt : Credit Card Amount : {$830.00} Original Creditor : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I started receiving calls from Ad Astra Recovery in the beginning of XX/XX/2016 in regards to an alleged debt owed of {$730.00}. I had no idea what was going on so I sent multiple of dispute letters starting in XX/XX/2016 until now. Astra Recovery simply ignored my request for validation. They were reporting to all three bureaus ( XXXX ) of this debt. In an attempted request for validation notification of this debt, Astra Recovery has failed to send me any proof of validation per law. It 's now been 9 months. In review of my credit report within those 9 months, all Astra Recovery stated was that account was disputed by consumer and met FCRA requirements.