23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On my latest American Express statement I noticed my card renewed and an annual fee was charged. I contacted American Express today to cancel my card and refund annual fee. I had to ask multiple times to cancel the card. I was then told the fee would not be refunded since it had been more than 30 days. Amex offered multiple offers to keep my account open but they all required agreeing to not close the account for 12 months resulting in an additional yearly fee. I asked to speak to a supervisor and requested a formal complaint be open for deceptive practices. I then asked to speak to their manager to confirm the complaint. The manager stated there would be no follow up since my compliant was marked internal. I reiterated my concerns 1. By the time a customer realizes there is a fee its too late to cancel.

2. There is no way to stop/turn off the auto renewal.

3. American Express does not follow up with customers who file formal complaints for deceptive practices and/or policies.

Representative told me they could not email chat but to reference ID i.e. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX # XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$820.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$28.00} ; ( Original creditor ) XXXX Date opened : XX/XX/XXXX Balance : {$40.00} ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 name : XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX- Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX  Account name XXXX XXXX XXXX  Account name 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 : 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: Mortgage

I applied for a refinance mortgage with XXXX XXXX ( XXXX of XXXX ) on XXXX, XX/XX/XXXX. At the time, they immediately charged my account for an appraisal. It was {$550.00}. XXXX XX/XX/XXXX, I sent an email to XXXX XXXX requesting that he cancel the appraisal as well as the loan application. Apparently the appraisal was not cancelled as I received a phone call on XX/XX/XXXX from the appraiser stating that he was at my house. I explained that the appraisal should have been cancelled by XXXX XXXX. The appraisal was not done. I have requested a refund on three occasions from XXXX XXXX and have not received any communications from them. Please see emails below. XXXX stated that she is not the right person to contact however, she had forwarded my email to the correct person. I would like a refund of {$550.00}. 

XXXX XXXX XXXX, Are you the right person to ask about the refund for the appraisal that did not take place? 

On XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX wrote : Good Afternoon XXXX, could you please tell me when my funds that you collected for an appraisal will be returned to me? Thank you On XXXX  XX/XX/2021, XXXX XXXX XXXX XXXX XXXX wrote : Good Morning XXXX, I have devised to go a different route. I asked XXXX to cancel my appraisal ; could you please have the {$550.00} fee refunded. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I applied for a loan to purchase a XXXX computer from a company called Affirm. I was then told that I already had a account. I have never before had any knowledge about this company called Affirm. I contacted them and was transferred to the fraudulent accounts department. It has been under investigation since. I have been notified every month about payments on this account due. I call them almost every month to see about the results of the investigation. They keep saying still working on it. Today XXXX the company Affirm reported to XXXX a new opened account in my name. I have disputed the account info and am waiting to hear back. Clearly its an Identity Theft. I dont understand and need someone to help me please. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

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

14. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

Today XX/XX/2022 at XXXX, I was sitting at home when I suddenly received text notifications for transactions I did not authorize. My physical card was in my drawer and not lost or stolen. I believe my account was hacked and the money I had worked hard for in an week was stolen in a matter of minutes! I called XXXX company immediately & reported the unrecognized transactions. They advised I wait 7 days for the transactions to be posted so that I can file a dispute. Then they said I would have to wait an additional 21 business days so that they can conduct an investigation. I feel very cheated by the way this company is handling this matter. I worked very hard for that money and life is already hard enough. This was not my fault because my card was in my house while this occurred. Its obviously a fraudulent activity and XXXX should be dealing with these types of scams immediately not weeks after the incident! My money shouldnt have been at any risk and I as a customer trusted this company with my money. They at least owe me the urgency to investigate my issue immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian Credit reporting agency regarding my credit score decreasing by twenty-five points with having one of the nine reasons why such a decrease would occur to my score. 

RE : XXXX '' Back to Messages From : Membership Support XXXX To : '' XXXX '' XXXX Sent : Fri, XX/XX/XXXX XXXX AM I received no answer from your voice team and would like to have my concerns involving reference # XXXX addressed as to why none. 
of the nine reasons which justify the twenty-five-point decease which took place on my credit report, applied to my score, but the decease still took place. 

XXXX : " XXXX '' Back to Messages From : XXXX XXXX To : XXXX Sent : Fri, XX/XX/XXXX XXXX XXXX  I appreciate your attempt to provide good customer service in this matter, and I draw your attention to what you stated, " When you do have a score change, you can find a " What's changed '' section on your credit report. This will help you compare the changes that happened between report pulls that could have caused the score change ''. I have thoroughly compared the report from XXXX score XXXX Experian date XXXX XXXX, XXXX which was XXXX, and report from FICO score 8 Experian date XX/XX/XXXX which was XXXX no such information was provided as to what changed or any, " What's changed '' section that exist. I have printed both reports and will make sure my concerns are proper before filing my concerns with Consumer Financial Protection, I will also contact the Customer Care team at XXXX XXXX Monday through Friday XXXX XXXX  to XXXX XXXX and Saturday and Sunday XXXX XXXX  to XXXX XXXXXXXX  XXXX Time, as you suggested.
Product: Debt collection

Department of Education/Nelnet Account number last four and balance will be submitted as evidence. In pictures
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX I sent all 3 credit bureaus as well as these creditors XXXX, JPMCB CARD, XXXX, AND XXXX XXXX XXXX XXXX THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - my mortgage with XXXXXXXX XXXX was put in covid forebearance, under the Federal Cares Act, due to my husband losing his job due to covid impacts. 

XX/XX/XXXX, XXXX I contacted XXXX that we were able to resume mortgage payments and began a loan modification process. 

XX/XX/XXXX - agreed to modification terms. The terms included a 3-month payment trial plan required before the modification can be finalized and also required to refinance with XXXX or any other bank. 

XXXX XXXX XXXX XXXX Successfully made 2 of 3 new modified mortgage payments per the terms. Last payment is scheduled for XX/XX/XXXX. 

XX/XX/XXXX, XXXX received an Experian alert of a major derogatory account comment reported by XXXX on my credit file that negatively impacted my credit score by XXXX points, changing my rating from exceptional XXXX to good XXXX. This change will impact my ability to get best refinance rate once the modification terms are fulfilled after payment # 3 on XX/XX/XXXX, among other credit and future loan impacts, etc. 

I confirmed with XXXX during multiple phone calls regarding terms of the modification in XXXX, XXXX and XX/XX/XXXX that my credit would not be affected if I accepted the modification terms to ensure my excellent credit score would remain intact. They NEVER told me a comment would be reported to credit agencies that could potentially impact my credit score. 

XX/XX/XXXX XXXX I called XXXX and they have refused to remove the comment from my credit reports. 

My understanding is actions by Mortgage companies that could negatively impact consumer credit scores are protected for covid related forebearance ( including when resolving and exiting forebearance ) under the Federal Cares Act, providing all rules and terms were followed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX  Account Name : XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have a merchant who was authorized to provide a service to replace my tire on the side of a highway and they did not provide this service. Instead the towed me to a tire store to pay for the tire replacement and they are charging me {$460.00} for a tow - even though XXXX has a cap on how much they can charge ( which is considerably below the {$460.00} fee that chase refuses to dispute ). 

Chase is very difficult to deal with in this issue due to me " clicking approve '' for the tire replacement service being approved- which wasn't what the company provided as an output. Chase and this vendor are XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to 'investigate ever piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number : XXXX : XXXX - XXXX - XXXX - XXXX - XXXX XXXX : XXXX - XXXX - XXXX - XXXX - XXXX Equifax : XXXX - XXXX - XXXX - XXXX - XXXX According to the FRCA the term " investigative consumer report '' means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. I have a credit report showing the inaccuracies. 

XXXX : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX  : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX EQUIFAX : Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting

I have written three separate letters disputing all the items on my Experian Report. Erroneous items however still remain. I was also insulted over the phone by a representative on XX/XX/XXXX by laughing I assume at my score but I was assured it was my accent regardless I do n't call in to be mocked over others errors. 

The following account needs to be removed immediately : Creditor Name : XXXX Account Number : XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 

The following account needs to be removed immediately : Creditor Name : XXXX Account Number : XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt and that all their details match the original creditor. Without, it must be removed as per FCRA. 

The following inquiry needs to be removed immediately as it was never authorized : Creditor Name : XXXX [ XX/XX/XXXX ] I would like to be provided proof as per FCRA Sec. 605, 609, and 623. 

Thank you for your time and help in this matter.
Product: Credit card

I had a promotional balance that expired XXXX/XXXX/2015. The XXXX/XXXX/2015 statement balance was XXXX. I paid the full statement balance in XXXX XXXX and XXXX. Barclays did not apply the payments to the promotional rate and instead applied it to charges that were made after the statement generation date and not do an payable until the next statement generated. I was charged XXXX in interest on XXXX XXXX XXXX. I was told they were allowed to apply my payment to charges made after the statement generation date and not to the promotional balance which was paid in full XXXX times prior to expiration. I am also forbidden from " pre-paying '' charges until the next statement. It is a trap designed so that I can never pay off the promo balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter disputing inaccurate information on my credit report, and they sent a stall letter stating the work was coming from a credit repair company. The thing is It came from me and even if it did I have the right to work with a third party. I send a document basically telling them it is illegal to send this stall letter and they sent it anyways. I will include copies of everything I sent as well as their response. I really do not want to have to file a lawsuit against transunion and or you for doing illegal stuff to consumers. But I am tired of the games and this is exactly why they keep getting sued. I really hope you will step in and make them do their job because that is all I want.
Product: Vehicle loan or lease

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days lateXX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Product: Checking or savings account

XX/XX/XXXX {$900.00} Called made a complain. My case was closed without notifying me. File a police report. Have all the information needed. Its now XX/XX/XXXX still havent been refunded. This is my direct deposit account. I am behind on all my payment s. Why did they allow 14 unusual activity to take place on my account.
Product: Vehicle loan or lease

I have tried several times for the life of this loan to gain access to a billing statement with AVID ACCEPTANCT. I never receive one. Anytime I have asked an employee to fix it so that I get a copy of a bill sent to me monthly, they recap my address and do nothing else. Even after several failed attempts at asking for help in gain access to my account information via a billing statement, I still never received one. I have not received a billing statement for the past 1.5 years. 

I can never seem to gain access to my account via their web address. Even if I change the password it still doesn't work. I always have to pay my bill by bypassing gaining access to my account and entering an account number and the amount due in hopes that its posted to my account. I can not see if it has been posted to my account because I don't have access to their website and I NEVER receive a bill. 

As a consumer I should be able to have access to : 1. How much my payment is for 2. How much of my payment is paid in interest 3. How much of my payment is paid to principle 4. How much is left on my loan to pay it off. 

The financial company is extremely annoying and does not abide by CFPB laws.