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

On XX/XX/2023, I filed a complaint with amex, I think they cheated me. When I applied for the Amex Hilton Aspire credit card before, I clearly remembered that I applied for the card because they claimed that they would give away XXXX XXXX points when they spent {$4000.00} with the credit card in the first three months. I applied through a friend 's referral link, but my application was not accepted because they said I didn't have an SSN so I had to call to apply. I then successfully applied over the phone, and they didn't mention that I was ineligible for the Welcome Offer ( this is in conflict with Amex saying : they reminded me that I was ineligible, because I believe their calls were recorded ). I filed a complaint with Amex, but they don't think they have a problem. I actually don't care about the Hilton points that this credit card welcome bonus gives, I just think that not everyone is willing to spend time fighting for the rights they deserve with big companies because of this trivial matter. As a result, a large company like Amex has a lot of loopholes to exploit when implementing the bonus mentioned in the promotional advertisement. Amex can make an excuse, but in many cases, just like when I applied for this credit card, Amex failed to fulfill its duty of disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian the validation process of XX/XX/2021 never existed, when in fact there was no written validation and the. We need the proper validation per the law of the CFPB. On the XXXX of XXXX when the account was updated, experian should have requested to have the factual documents or should have already had the verification on hand instead of seeking or just verbally verifying a document or account when that is not in accordance with the rules and regulations.
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report with Experian, XXXX, and XXXX that do not belong to me.
Product: Debt collection

They have tried to report to the credit bureau several times, damaging my credit when that account is not legitimate to collect. 

This is hurting my credit and score I am trying to raise my score for the purchase of a house.
Product: Bank account or service

Wells Fargo closed my checking account. They did not give me a reason why. At this point, I am only interested in when they will be returning my {$500.00}. They have had the money frozen for over two weeks and the account is now closed with a XXXX balance.
Product: Debt collection

I checked my credit report because I am applying for an apartment and I saw the collection from XXXX on my report I called XXXX and was told to make a FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A COMPLIANT REGARDING A XXXX .... BECAUSE TRANSUNION IS SHOWING A BALANCE OF {$1200.00} AND THAT CARD HAS BEEN CLOSED FOR SEVERAL YEARS WITH A {$0.00} BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft please remove this fraud inquiry from my credit repo
Product: Bank account or service

XXXXMy name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX cellOn or about XX/XX/XXXX my XXXX company transferred funds into my bank account at U S Bank. But my bank decided yo hold my funds, close my account and they are refusing to release my funds. I have spoken with the following bank representatives several times to secure my funds. But they insist that they have the right to put me on Chex XXXX, hold my funds, and are refusing to let me draw out my money! This has caused my mortgage to bounce because I need my money! 



I am on XXXX. I have XXXX XXXX and a XXXX XXXX. It is hard for me to walk! Please help me to recover my funds which the bank is holding unnecessarily long! It has been almost 30 days! 



The Bank representatives who are holding my funds : XXXX XXXX XXXX Brach Manager U S Bank XXXX. XXXX XXXXBoth have this telno XXXXThank you for any help you can give me! 



I need to be taken off of XXXX ( I do n't owe the bank anything not even fees ) I need my funds released immediately! 

Please help me! 

How do I get removed from XXXX? I do n't owe my bank anything! 




XXXX XXXX Check hold XXXX XXXX XXXX Dept XXXX U S Bank
Product: Credit card

Today ( XXXX/XXXX/16 ) I was reconciling my Chase Mileageplus Visa statement received on XXXX/XXXX/16 and noticed that the credit card company charged my an annual {$95.00} fee. When I signed up for this card it was a free card - I did not realize that the fee was only waived for 1 year. I did not receive any notification that I was being charged the {$95.00} nor did I sign any kind of charge slip or acknowledgment to pay the {$95.00}. It was just placed on my account. I called the Chase Mileageplus Visa today to cancel the card and was informed that I am past the 30 days from the statement date ( XXXX/XXXX/16 ) and therefore the charge will not be refunded and they will not prorate the charge. I am 9 days past their deadline, and I explained that I just noticed the charge. I suggested that the charge be prorated and they refused to do that. Again, I did not receive any communication letting me know that they were charging me {$95.00}. I spoke to a manager who could not do anything, and she indicated that I could mail or fax information to headquarters or some place. A fax machine in 2016? I asked for an email and she indicated that they did n't have one. 

In addition to the annual fee, one of the reasons that I am cancelling this card is because the XXXX XXXX passes that they offer as a benefit are not be accepted at many of the locations including my home airport in XXXX. It is very deceptive.
Product: Credit card

My card was stolen while I was hospitalized. I report the fraudulent use to Capital One. However, several of the charges were charged back to my account. Capital One advertises zero responsibility for fraudulent use but claims that because the chip in the card was used that I am responsible for the fraudulent charges. I have requested several times to the Fraud Department to credit my account, but requests have been ignored. My account is basically paid in full and should have zero balance. However, the fraudulent charges totaling {$460.00} is on my account, and I am being charged interest on fraudulent charges. In addition, my payment date and address was changed, and I questioned whether a duplicate card was mailed and/or a data breach at Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE TOLD THE COMPANY I DON'T OWE THE MONEY. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I DON'T OWE XXXX XXXX. ITS BEEN PAID. I DONT OWE XXXX. I RETURNED THEIR BOX. I DON'T OWE XXXX, I PAID THEM ALMOST XXXX DOLLARS. STOP HELPING THEM RUIN MY CREDIT. 

XXXX XXXX HAS A LAWYER. I DO TOO. WE ARE GOING TO COURT. THIS DEBT IS THE RESULT OF SHADY BUSINESS AND XXXX IDALS. IF THIS IS MY DEBT, ITS IDENTITY FRAUD. 

UNDER THE FCRA YOU ARE REQUIRED BY LAW TO REPORT CORRECTLY. I HAVE NO BEEN ABLE TO GET THEM, OR YOU, TO PROVEI OWE ANY OF THIS MONEY. STOP IT. 

MY NEXT STEP IS A LAWSUIT IN STATE, LOCAL, AND NATIONAL COURTS. I REFUSE TO PAY FOR WHAT I HAVEN'T DONE.

FIX THIS. NOW. 

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

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. They state it was paid i never paid for this because i didn't even know about it until i seen it on my credit. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. They are also reporting the same fraudulent account with two different collection agency for the same fraudulent account the same amount.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to inaccurate and unverifiable information reported on my credit file. I despite my efforts to dispute these inaccuracies, they have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Failure to Ensure Maximum Possible Accuracy : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of consumer reports. However, several items in my credit report are inaccurate and do not meet this standard. 

Failure to Investigate Disputed Information : As outlined in 15 U.S.C. 1681i ( a ) ( 5 ), the credit reporting agency has not properly investigated the items I disputed. If information can not be verified or is found to be inaccurate, it must be promptly corrected or removed, which has not occurred.

Violation of Furnisher Obligations : Under 15 U.S.C. 623 ( b ) ( 1 ), furnishers are required to investigate disputes and validate the accuracy of the information they provide. The furnisher has either failed to validate or did not respond adequately, yet the disputed information remains on my report. 

Additionally, I am a victim of XXXX XXXX  and identity theft, which has contributed to these inaccuracies. The persistence of this information on my credit file is causing significant harm to my financial standing and well-being. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take action to enforce compliance with federal laws. I also seek the immediate removal of the inaccurate and unverifiable items listed in my disputes. 

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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Paypal reversed promised PERMANENT credit to create negative balance of {$62.00} in an attempt to refuse to allow me to remove my bank debit card attached to my exempt Social Security direct deposited funds. I've since received a threatening collection email from Paypal, to which the negative balance will add collection fees, a motive for the permanent credit reversal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have completed the agreement with this company and they still have deleted the collection account on my credit report, as promised.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened XX/XX/year>2024 is showing as closed and the account is open and in good standing, also the balance is incorrect on all reports and also not showing on XXXX. information on terms is missing from XXXX and XXXX also payment amount is missing and comments are incorrect on XX/XX/XXXX and XX/XX/XXXX comments are missing
Product: Debt collection

They reported the debt on my credit report as a charge off. When I disputed it with the Credit Reporting agencies as not mine they validated the debt. I contacted them via certified mail with a " Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) and they never responded. I filed a complaint with you indicating that they would not respond to my letters and they finally responded and promised to send " statements for the life of the account '' ( see attached letter from them ) Despite repeated requests I 've received NOTHING from them.. This is a direct violation of the FDCPA 15 U.S.C. 1692e ( 2 ) ( a ) which prohibits the false representation of " the character, amount, or legal status of any debt ''.
Product: Mortgage

My spouse and I jointly entered into a mortgage agreement ( VA LOAN ) with me being the veteran. The loan closed XX/XX/XXXX with XXXXXXXX XXXX We have faithfully paid payments on time. As of XXXX XX/XX/XXXX, XXXX XXXX has given our loan over to LOANCARE LLC " on behalf of XXXX XXXX XXXX. Doing business with LOANCARE has went as follows : The XX/XX/XXXX payment to LOANCARE has been a nightmare. Because of several bad issues that we endured from XXXX XXXX we changed our bank to XXXX XXXX. Via XXXX XXXX bill pay option, I initiated the mortgage payment to LOANCARE on XXXX XX/XX/XXXX. Unknowingly, XXXX XXXX was not yet aligned to do electronic payments to LOANCARE and they mailed a physical check to LOANCARE on XXXX XX/XX/XXXX. I kept checking the LOANCARE online account to see is the payment posted and as of XXXX XX/XX/XXXX it had not. I called MULTIPLE times ( XXXX ) and have never been able to get a human being on the phone. It is an automated system that is impossible. I contacted LOANCARE via their online account service MULTIPLE times and finally got a call from " XXXX '' ( LOANCARE representative ) who told me the check was not received as of XXXX XX/XX/XXXX. I informed XXXX that I would have it cancelled and I paid additional money to have an expedited electronic payment sent to LOANCARE on XXXX XX/XX/XXXX with XXXX XXXX has confirmed they received on that date. LOANCARE has posted my payment being received XXXX XX/XX/XXXX. According to LOANCARE guidelines, any payments received after the XXXX initiates a late payment fee. To my knowledge a late payment fee has not been assessed but I firmly believe LOANCARE will at some point impose one although the payments was received by them XXXX XX/XX/XXXX. We have never had a problem with any company before receiving payments on time. I have been made aware that LOANCARE has been sued multiple times for imposing false late fees/penalties and other items on customers. I filed a complaint with the XXXX XXXX XXXX in vain. The XXXX  from what I understand is paid by companies to represent them and they by no means help the customer ; they are basically a big complaint receiving department. 

I am very concerned that LOANCARE is going to ruin us financially. If they continue to " not receive '' payments and/or post them late I will eventually lose my home, my credit score, and from there, financial death. This is a grave concern. 

XXXXXXXX XXXX, from what I understand still owns our VA home loan and simply refuse to help me get reassigned from LOANCARE to a reputable company. A LOANCARE representative who identifies herself as XXXX keeps calling at times I can not take a call and leaves the number XXXX and I am also unable to get a human on this number. 

This is a complete NIGHTMARE! To be placed in business with a very dishonest and disreputable company that you can never talk to and I have expressed to the XXXX I would prefer to have answers back via writing because verbal conversations don't hold up in court. I well image that is where this is headed.
Product: Credit card or prepaid card

Purchased a {$300.00} gift card for a family member the week of XX/XX/2023 at a XXXX in Utah. Family member attempted to use the card at XXXX XX/XX/2023, the card was stolen and already used the same day about an hour before the use at XXXX, a fraudster used the card in NY for {$300.00}. The family member and I began the dispute process, which has been a complete nightmare. Faxing the documents they asked for, then having the case closed for no reason. We are now having a bi-weekly calls with this company to get nowhere or have any action taken. They continue to give us another hoop to jump through to send documentation because they did not get the fax or that the docs that were sent are not correct. They have asked my family member to send in PII!! This is a fraud and they should never ask for an ID or birth certificate. We are now sending a XXXX  to have proof that they received it, which they continue to lie that they never received the XXXX. We are now on week four of this nightmare. Today XX/XX/2023 we are told they received my XXXX  but need the XXXX receipt to have proof that we even purchased the gift card, even though it has already been provided. This company does not care of the monetary harm it causes consumers and rather help their fraudsters out get the money from the gift card. Today, we are involving our credit union disputes department to help us with the merchant charge back since we have enough proof we have attempted to resolve this with the merchant. 
Website - XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Please review the attached documents. I request the bureau to investigate these accounts reporting me as late, despite my timely payments.
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 : Account Number : XXXX : Balance : {$180.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$7800.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

TransUnion has failed to properly investigate my report since I have seen a lot of issues and errors reporting on it. Also, they have failed to comply with my request of submitting any proof for me to validate the result of their investigation. They consciously continue to report unfamiliar, incorrect, and unauthorized items on my report which is hurting my credit credentials. This should be stopped immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$83.00} XXXX XXXX  Date of inquiry XX/XX/2021