23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Problem with credit report and score after we had agreed with the offer they had given me on their web site to for give three month of payment. Then after three month pay at the END OF THE XXXX MONTH ON THE XXXX. What they ended doing was report me to all three credit company saying I didn't pay on time. Hurting my credit score and hardship to me and my family after back XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$680.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been settled. XXXX  is reporting correctly. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be updated to report a {$0.00} balance. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit card or prepaid card

I reached out to Capital one via telephone call and spoke to a representative to inform the company that i was out of work due to being in the hospital with XXXX XXXX and if they could work with me on my monthly payments until i resume working. 

During that time I was experiencing hardships with making my monthly payments as scheduled with capital one i tried my best to keep up with my payments. but i was unable to being that i was out of out for two consecutive months XXXX and XXXX. 

I have always made my payments even when capital one had my account restricted i have faithfully continued my payments since having my account with them.
Product: Credit card or prepaid card

On XX/XX/2019 I noticed a charge on my prepaid American Express Serve card I did not recognize. The amount of {$110.00} was charged to my card by XXXX XXXX XXXX on XX/XX/2019. On XX/XX/2019 I filed a chargeback request and filed the fraud affidavit with AmEx against XXXX XXXX. I NEVER had or have any insurance, accounts, or past due amounts with XXXX XXXX. On XX/XX/XXXX, I requested a refund from XXXX XXXX. XXXX XXXX informed me that a full refund will be issued within 3-5 days. They provided me with a reference number of XXXX. I never received a refund. On XX/XX/2019, AmEx sent me an email stating that my dispute was declined and to send a them a letter requesting details about the decision. I mailed a letter to the address and never received a response. I called XXXX XXXX again to request a refund and they provided me with another reference number of XXXX. They told me that American Express withdrew the funds for the chargeback from XXXX XXXX on XX/XX/2019. American Express denied this.

On Monday, XX/XX/2019, I had a three-way conference call with XXXX XXXX of XXXX XXXX XXXX Treasury Department ( phone number XXXX ) and American Express Security/Fraud Dept. as to why the chargeback refund wasn't applied to my account. XXXX  stated that American Express withdrew the funds for the chargeback on XX/XX/XXXX but American Express firmly denied this during the conference call. American Express also told XXXX that they have no control over chargeback refunds and that they do not hold funds from customers.

When the call was over, XXXX   repeated to me that the chargeback was debited from XXXX XXXX on XX/XX/XXXX and that AmEx may be withholding those funds from me. I asked her why XXXX XXXX couldn't simply refund me back the charge to my card and she explained that she couldn't because the chargeback funds were already taken from XXXX XXXX from Amex.

She said there is nothing else she could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is through XXXX XXXX  My account was paid in full and I had noticed my credit score suddenly dropped from XXXX ( in XXXX ) to XXXX ( in XXXX ) it dropped XXXX points simply because XXXX reported my account as 30 days past due. I have never in my life missed a payment nor did I get a statement from them. On XX/XX/XXXX I spoke with a representative ( I have representative information and references numbers for my calls ). I was informed because technically I was a couple days late when I paid my balance off the late fee did not reflect when I was making my payment. Fast forward they charged me a late fee ( which I never received notification of ) and because I didnt pay this late fee I was reported for 30 days past due. I was told on XX/XX/XXXX they would reverse the fee and I only had to pay about {$7.00}. I checked again on XX/XX/XXXX and saw my account still shows a balance. Again I call and speak with the supervisor this time named XXXX. I was told again they would clear the charge and clear the charge through my credit report. Today on XX/XX/XXXX I go and look at my account which still shows I owe a balance of XXXX with a statement date of XX/XX/XXXX, the day after I spoke with the supervisor. I have not received this bill in the mail. Now here I am trying to figure out what to do. Do I close this account and potentially lower my credit some more? Ive never had this issues with any of my accounts and have worked so hard to raise my credit as Im trying to buy a house. I feel like they are giving me the run around and Im not sure what other options I have. I would like to note my bank sent a check to pay this account off which was done in XXXX and since then I have nothing but issues and random fees. I have also not received any of these statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason Experian continues to dishonor my Identity Theft Report by allowing the continuance of fraudulent account reporting. I recently sent Experian a Police Report which included accounts XXXX XXXX XXXX XXXX XXXX which both are accounts I never opened, established, or received any goods or services from. I received a letter from Experian this week stating unless I provide new information they would not investigate my dispute. I find this reply to be discriminatory or unethical for a consumer reporting agency whom uses only automated verification procedures simply ignore or deny TWO LEGAL OFFICAL LAW ENFORCEMENT reports. Under the Fair Credit Reporting Act my rights have been violated and continue to be while this fraudulent accounts still remain on my credit file. XXXX and XXXX  both have removed the accounts in question so I don't understand why Experian won't adhere to FCRA.
Product: Credit card or prepaid card

Hello, I currently hold a Chase Freedom XXXX card, which offers rewards on general purchases at a rate of 1 %. Sometimes, though, Chase offers a 5 % reward on certain categorical purchases. From the months of XX/XX/XXXXthrough XX/XX/XXXX, it offered 5 % cash-back on gas-station purchases. 

On XX/XX/XXXX, I purchased a {$200.00} gift card at XXXX, whose primary form of business is the sale of gasolines. Indeed, I have earned 5 % rewards at XXXX through Chase Freedom before, when Ive purchased gasoline at their pumps. This time, however, Chase assigned me only 1 % for the purchase. 

When I asked Chase to explain why I earned the lower amount ( rather than 5 % ), several Chase customer service agents told me that gift cards are not included. That would be sensible, except that they have been unable to point to any language in the credit card agreement that would support their conclusion. When I pressed them, they repeatedly quoted policy and ultimately shared with me the following : What types of merchants are in the 'gas stations ' category? 
A. Merchants in the gas stations category sell automotive gasoline that can be paid for either at the pump or inside the station, and may or may not sell other goods or services at their location. Please note that some merchants that do not specialize in selling automotive gasoline are not included in this category ; for example, truck stops, boat marinas, oil and propane distributors, and home heating companies. 

The language is available at : https : //www.chase.com/index.jsp? pg_name=ccpmapp/shared/assets/page/Online_Rewards_FAQ The above language, however, does not dispose of the matter. It merely defines merchant, which would include XXXX as a gas station. When I wrote back and explained that to them, I added that that I was frustrated by their inability to show me any language that supports their position. I then was told not to write them again. Instead, they want me to begin the process over again by calling into customer service ( despite that I had already spent time writing and responding to several emails ). 

At this point, my main complaint is that Chase is not fulfilling its promises regarding my card. If it has legitimate reason for not applying the 5 % cash-back rewards, it should point to the appropriate policy language. It has not done so. I fear it is engaging in a bait and switch tactic. Perhaps they are doing this to many other unsuspecting customers. 

Please help. 

Thank you, XXXX-XXXX XXXX XXXX-XXXX-XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the Equifax data breach that occurred in XXXX. I recently discovered that my personal information was compromised during this incident, and I am deeply concerned about the potential consequences and risks associated with the unauthorized access to my sensitive data. 

Details of the Data Breach : Date of Discovery : I became aware of the Equifax data breach 's impact on my personal information on XX/XX/XXXX. 
Personal Information Compromised : The breach has exposed my sensitive personal information, including my name, Social Security number, birthdate, address, and, in some cases, driver 's license number. 
Lack of Security Measures : It has come to my attention that Equifax failed to implement adequate security measures, allowing unauthorized access to a vast amount of personal data. This negligence raises serious concerns about the protection of consumer information. 
Impact and Potential Consequences : Identity Theft Risk : The compromised data puts me at an increased risk of identity theft, as it includes crucial information that can be exploited by malicious actors. 
Financial Security Concerns : The breach may have severe implications for my financial security, as unauthorized access to my personal information could lead to fraudulent activities, unauthorized access to financial accounts, and other potentially harmful actions. 
Request for Investigation and Remediation : Investigation : I request the Consumer Financial Protection Bureau to conduct a thorough investigation into Equifax 's handling of the data breach, including an assessment of their security protocols, response mechanisms, and measures taken to prevent such incidents. 
Accountability : Equifax should be held accountable for any negligence that led to the data breach and subsequent exposure of consumer information. I urge the CFPB to ensure that appropriate actions are taken to address any shortcomings in Equifax 's data protection practices. 
Remediation : As a consumer affected by the data breach, I seek assurance that Equifax will take necessary steps to mitigate the potential risks and provide adequate remediation measures, such as credit monitoring services and identity theft protection. 
I appreciate the Consumer Financial Protection Bureau 's dedication to safeguarding consumer interests, and I trust that your investigation will help address the concerns raised by the Equifax data breach. Please keep me informed of any developments regarding this matter. 

Thank you for your attention to this serious issue.
Product: Debt collection

I received a debt collection notice from CMRE Financial Services in XX/XX/year> for a medical debt that I do not owe. Upon investigation, I found that according to Tex. Fin. Code 392.402, any debt collection agency collecting in the State of Texas must have a valid surety bond filed with the Secretary of State. Two separate phone calls to the Statutory Documents Section of the Office of the Secretary of State confirmed that CMRE Financial Service 's XXXX, OH location ( from which they mailed the collection notice ) has never had a surety bond filed with the Secretary of State 's office.

The Secretary of State 's office also confirmed on two separate phone calls that all debt collection agencies collecting debts in the State of Texas must have a surety bond posted FOR ALL LOCATIONS FROM WHICH THEY ARE COLLECTING. Since CMRE Financial Services 's XXXX XXXX does not have a valid surety bond with the Texas Secretary of State, they are illegally collecting debts in the State of Texas and in violation of 15 U.S. Code 1692e ( 1 ) by false representation or implication that they are bonded by the Texas Secretary of State. The Office of SOS encouraged me to file a complaint with the Texas Attorney General and the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}, XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

Keeps calling for different people. Ive told them they have the wrong number. They continue to call and harass me. Questioning me.
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 Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these 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 Balance : {$15000.00XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been exposing my personal medical information. 
Medical information is supposed to be private, and I didnt give permission for this debt to be shared. By putting it on my credit report, they exposing sensitive information without my consent. This feels like a clear violation of my rights. 

On top of that, the debt has been damaging my credit score, which is making it harder for me to get loans or other opportunities I need. I recently learned that new laws are being put in place to stop companies from reporting certain medical debts, especially when theyre disputed or shared improperly. I think what this company is doing goes against those laws.

Im asking the CFPB to look into this situation and make sure XXXX XXXX XXXX and the three credit bureaus are following the rules. I also want this debt taken off my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, at XXXX XXXX XXXX XXXX, I sent {$1700.00} through Sendwave, which equated to XXXXXXXX XXXX in XXXX currency. Typically, these transactions process within minutes, and my recipient usually calls or texts upon receiving the funds. However, the app failed to deliver the money to my recipients account that day. I contacted Sendwave, and a representative apologized profusely, explaining they were experiencing issues with their partners at XXXX XXXX in XXXX. He assured me the transaction would go through. Unfortunately, the funds were not delivered throughout XX/XX/XXXX. Despite multiple calls, the representatives could not offer a solution and continued to apologize. 

On XX/XX/XXXX, I received an email from Sendwave claiming the funds had been deposited into my recipients account. However, upon contacting my recipient, XXXX XXXX XXXX he confirmed no funds had been received. To prevent my business from suffering, I immediately sent another transfer through XXXX XXXX, another money transfer app, which XXXX promptly received. I called Sendwave again to address the missing funds. The supervisor, XXXX, requested XXXX statement of account. Despite numerous attempts to follow up and provide the statement, no one from Sendwave has returned my calls or explained my missing money.
Product: Checking or savings account

I need to dispute a charge on my debit card ending in XXXX from XXXX XXXX  made on XX/XX/XXXX for an amount of XXXX, XXXX  XXXX It was an XXXX XXXX XXXX, the seller never sent the item to my address and also never provided any tracking number or more information about the shipment. 
The merchandise must be delivered on XX/XX/XXXX, but until now that has not beed delivered to my address. 
I tried to contact the merchant several times but they never replied to my or answered the phone.
Product: Credit reporting or other personal consumer reports

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet EQUIFAX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. EQUIFAX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an address on my credit profile that I do not recognize. Clearly the address listed on the credit personal profile is not my address. I do not recognize that address and I never resided at that address. This is an error that cost points on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that the credit reporting agencies Trans Union, XXXX and XXXX are legally reporting inaccurate and false information about me. The following alleged accounts are listed as collections with a past due balance this is a violation of the FCRA and is also in violation of requisite Metro 2 compliance reporting standards according to the federal reporting act I have the right to a fair and accurate credit report, They are required to remove any information that is not true, accurate, and verifiable. 

XXXX XXXX XXXX XX/XX/2018 XXXXXXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US Code 1681 B ( 2 ), 15 US Code 1681 A ( 2 ) B