23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to your agency in hopes you can help me with this dispute. I am very upset with my credit card company, American Express and the way they handled my claim. I called them on XX/XX/XXXX and they did n't even give me the chance to explain and said that was nothing they could do. I filed a dispute with Amex through you ( CFPB ) and American Express sent me a letter now in response saying that they are unable to refund my account stating that the charge is too old to dispute. I did some research that I could still dispute my charges using the claims and defenses, that I have up to one year from the date of the statement. Which I did. I believe I am within my rights and I appreciate if my credit card company would take a look on my side instead of telling me to take a hike without even opening a case. The charge that I am trying to dispute is {$4000.00} and the company did not deliver the services as promised. And I could barely get in touch with anyone from there, and finally when I complained and asked for my refund they completely ignored my calls. I believe they took advantage of me they prey on the elderly and I believe I am on my rights. And American Express is not even giving me a chance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit reporting agencies are reporting a credit card account to my credit report. I am the lien holder of this credit card account and have not authorized anyone to report this account to my credit report. I also requested a copy of a contract that authorizes XXXX, Experian or XXXX to report this account to my report. The account I am referring to is XXXX XXXX Account credit card account number XXXX. I have invoked all of my rights to this account, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, contacted XXXX to transfer TV and Internet service from XXXX XXXX, XXXX  to XXXX, XXXX pursuant to a move. The XXXX XXXX provided me with a confirmation number ( XXXX ) for cancellation of the XXXX XXXX  account and confirmation number ( XXXX ) for new service in XXXX, XXXX. 

It seems the XXXX XXXX account was not closed and so I had 2 XXXX accounts then, XXXX reported a delinquency to the credit reporting bureaus. In the interest of preserving my credit, I paid the amount billed ; however, XXXX continues to report " XXXX  '' for months of XX/XX/XXXX and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX were fraudulently used on cash app in an account that doesnt belong to me I reported it to my bank and my bank denied the claim! Cash app couldnt find the account using my information so they said report it to my bank now Im out of almost {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports 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 EQUIFAX 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
Product: Vehicle loan or lease

I am surprised to see a late payment reporting in XX/XX/2017 from Toyota as far as i'm concerned all my payments have been made on time. I have made requests from toyota to show me when they received the payment which would have caused this late to occur I have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit report with Equifax after their data breach and Im now trying to unfreeze it. When I tried repeatedly to do this on their website I was informed that I had to do this by phone. When I called they told me they could not verify my identity after giving them all of my information ( ss # etc. ). I was then told that I was required to send them copies of my social security card and drivers license through the mail which I refused to do because of the obvious security reasons. I was then basically told to bad you wont be able to ever unfreeze your account. Equifax caused this problem in the first place and now they refuse to fix it. Please help.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I dispute this debt because I do not owe this money. I terminated my contract for Internet service with XXXX in XXXX 2014. I received an email from XXXX stating that if I return their equipment before the closing bill, I would not be charged. At that time, I returned their modem using the packaging and shipping label they provided. My closing bill did not include any charges for equipment. I did not receive any bills or notices from them since ending the contract. 

In XXXX 2014, I received a letter from a company called XXXX claiming I owed XXXX {$100.00}. I called XXXX and their representative said they had no outstanding dues on my account and that they were unfamiliar with XXXX. The call was escalated several times and took almost XXXX hour to complete as they checked various databases. After that call, I contacted XXXX to gather more information about this claim. They told me it was for an unreturned modem. I put this claim in dispute. In XXXX, 2014, I received a letter from them confirming that the account was in a " disputed status. " I received a letter from another collection agency called XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2014. There was no verification of the debt or any tracking information about the shipping label that was provided by XXXX. I received your collection notice today. 

I do not appreciate having to dispute this debt this many times as XXXX continues to sell consumer information to different collection agencies. Upon searching discussion forums, I understand that there are many consumers who have been troubled greatly by a similar error.
Product: Consumer Loan

Tried for a few month trying to pay my car payment online ( condor capital Corp ) and when I called the number billing department in New York is not dealing with payment to call XXXX XXXX gave me new number which is now in XXXX XXXX I ask them to send information to me in writing so I can see what I 'm paying for. They told me they need will have to request from manager. and to send secure payment will except XXXX XXXX or money gram. Very confused getting run around since XX/XX/XXXX
Product: Debt collection

THIS File is reporting twice on the reports with XXXX. called them and spoke with an XXXX speaking person, hardly understand, but he threatened me to pay immediately with a demanding voice. this should be a violation.
Product: Checking or savings account

Since XX/XX/XXXX Chase has been locking my account due to my account being compromisd. However, they allowed enough time to ensure there are no more IL Unauthorized deposits. I've have two deposits last week, one for {$200.00} reimbursement from XXXX  and my payroll for {$2000.00}. I had a remaining balance of XXXX that I wanted to withdraw at the branch in XXXX. VA on the XXXX. The bank said my account is still restricted. I I formed them that I have 3 deposits pending next week, XX/XX/XXXX from sXXXX XXXX XXXX XXXX XXXX From XXXX for my XXXX XXXX. And from the XXXX XXXX XXXX XXXX XXXX XXXX they informed me that they were going to return the funds back to the issuer.how am I suppose to live without money? Chase is notorious for hanging out. Th peons monies for weeks. I have no funds for gas food and rent. This has to be resolved or I will end up in the street.
Product: Checking or savings account

Hello i'm submitting this complaint today because you guys have been refusing to help me out non stop your support agents on the phone are terrible employees that only deny to fix issues and are also rude to people they are not trustworthy people! in fact they are liars when you guys decided to close my checkings, savings and credit card they told me that i'm able to apply for a new one so i did and got approved but a few weeks later after getting approved for it the bank decides to close it! with no explanation given! your social media people are useless to they are actively ignoring my issues because they know that they did wrong! now i'm trying to file a dispute with you guys this is a purchase on a course i bought from a company called XXXX XXXX and recently the company decided to stop helping its students when i brought this to your agents over the phone they said " yeah we're unable to help you cause your account is closed '' i like how you guys allow me to view all my transactions on a closed credit card account but when it comes to debit cards its all gone that's a super anti-consumer move and you're basically impling " we don't want to help you because its your money '' yeah its my money thats in your bank! also your social media people just say XXXX things like " oh call our service number '' in witch like i said your phone agents never help with anything and are just all talk and no action! anywho the company that im trying to file a dispute on has sent an email saying that " you are free to file a chargeback ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion, XXXX and XXXX SEVERAL TIMES THE PAST WEEK asking them to remove ALL fraud alerts and to remove ALL personal statements. I need all 3 companies ( XXXX, XXXX, Transunion ) to remove ALL personal statements and ALL fraud alerts. I did not authorize these!
Product: Debt collection

I am seeing on my credit report a collection from united collection bureau of the amount {$2000.00} this is a medical bill I am a victim of identity theft and I called them and told them such. 
This is a debt that resulted from someone stealing my identity.
Product: Checking or savings account

The amount of {$1000.00} was stolen from my account/atm Sunday XX/XX/XXXX and another purchased was made on my account for {$400.00} it doesnt say much just card number was entered by merchant and the category was account, auditing and the date for this was also XX/XX/XXXX but it pending for the XXXX. This is not the first time this has happened, I reported an issue like this for a smaller amount of {$500.00} and they denied me and blamed me for the situation. Banks is wells fargo
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : SYNCB/TJX COS DC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is being non compliant with the 605b. I have sent them two disputes and have clearly Ignored my request. I sent my Identity Theft-Related Request to Equifax and they have received the identity theft report and block request with my driver 's license and Equifax does not take cases of identity theft very seriously and as not conducted a thorough investigation. However, Equifax at this time declines to block the information I have identified. This clearly in violation of my rights. If the disputed information is not blocked or otherwise deleted from my credit report file disputing the accuracy or completeness. I will take legal action!!!! I have notified XXXX and all 3 credit bureaus that I am a victim of identity theft. 
The Fair Credit Reporting Act ( FCRA ) gives me specific rights when you are, or believe that you are a victim of identity theft. 
I have the right to ask that a consumer reporting agency block that information from my file. I asked the consumer reporting agency to block the reporting of this information, and also identify the information to block, and provided the consumer reporting agency with proof of my identity and a copy of my identity theft report. The consumer reporting was provided with necessary documentation and is being non compliant **please see attachments for account and account numbers** XXXX XXXX
Product: Money transfer, virtual currency, or money service

Someone broke into my house stole my XXXX my wifes belongings and other valuables. The thief also XXXX himself {$500.00} twice and the bank is refusing to reimburse my money if tho it was clearly fraud.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain adequate housing. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove disputed accounts. Please notify that the items have been deleted pursuant to 611 ( a ) ( 6 ) 15USC 1681j ( a ) ( 6 ). I would like to remind you, using the XXXX method to verify these disputed accounts which you are aware of, is against the FRCA guidelines. Please also include the method use to " verify '' the debt you claim I owe. I have requested the person 's name, phone number, address, company name and the individual 's title. 
Please remove all non-account holding inquiries thank you.
Product: Credit card

None of the companies having their cards through Synchrony can do anything about it - eg Lowe 'sXXXX XXXX XXXX XXXX, JCP. 

The problem is synchrony. They mysyf, nor synchrony.com/accounts will allow more than one card, so no matter where I try to pay my bill, I can never log in without having to change the password. And you can't use a previous pw, so it is one big problem. I can't imagine I'm the only one.
Product: Credit reporting or other personal consumer reports

Bank of America is reporting a insured card account with a balance of XXXX dollars unpaid, and that account appears to have been closed for more than XXXX  years. If it was insured, it should not have a loss balance and the Bank never notified me of anything about it. this.
Product: Debt collection

RE : CAPIO PARTNERS ACCOUNT : XXXX Patient : XXXX XXXX Re : XXXX  XXXX  Hospital Date of Service : XX/XX/XXXX Balance Due : {$210.00} Dear sir/madam, My name as stated above is XXXX XXXX, represented as the Patient, in position of this erroneous Medical debt of Complaint. 

The recurring and threatening dun letters first began thirty days from the date of service, XX/XX/XXXX, and have continued in this manner effectively through the most recent date of XX/XX/XXXX, in my receipt of a Certified letter that in summary has been ongoing now for ( XXXX ) years ; this noted, I had first resolved the issue from the onset with the first known Medical debt collector, XXXX, that after providing written documentation of proof to XXXX, they had still made for an erroneous decision to report the medical debt to all three major Credit Bureaus though in end result of my disputes, the erroneous medical debt was REMOVED from all three major credit reporting bureaus, however each of the XXXX times that the medical debt collection companies were sold, and having changed names, I would only find myself right back to this very current position that is still in existence today, which brings me to my point and my reasoning for reaching out to you in my earnest attempt to please provide me with your assistance with this ongoing and senseless issue that has unwarrantably taken too much of my time and effort to cease this erroneous cronyism once and for all, especially given the fact that I work in a highly regarded Government position that is too, driven from an excellent credit report rating versus that of an unwarrantable medical debt collection company that is currently in a Class-Action lawsuit for unfair and deceptive debt practices. 

Please know that I sincerely appreciate your efforts and any intervention necessary to assist me with this matter. 

Respectfully, XXXX XXXX
Product: Debt collection

They are texting me and sending messages via social media. I have all the messages saved- they arent leagally authorized to do either.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a copy of credit report a couple of months ago, I realized I've become of victim of identity theft when I noticed several fraudulent accounts that were established without my knowledge or consent. I sent out letters to XXXX, XXXX, and Transunion along with supporting documentation. I also submitted a identity theft report which included a detailed outline of the fraudulent accounts and addresses listed on my credit file. Transunion failed to provide me with any accurate verification of the fraudulent accounts that are currently in dispute. It has been over 30 days and as of now my consumer rights have been violated under the Fair Credit Reporting Act. Transunion never requested a block within 4 days after being notified of the fraudulent accounts from my initial dispute ( 605b ) and continues to report them on my credit file which has caused financial burden as well as denial of credit from creditors. Transunion has failed to provide 100 % accurate verification as per section 609 & 611 constitutes. Transunion has failed to provide any correspondence whatsoever in regards to any of my disputes which is unacceptable. Due to these numerous violations Transunion must be held accountable for their actions and remove the fraudulent accounts from my credit file immediately.
Product: Vehicle loan or lease

i have notified EXETER finance on several occasion that the account does not belong to me and its fraud on my account, which they have chosen not to remove from my credit report. its in charge of status on my credit report and the past due amount is {$9000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Inaccurate Name : XXXX XXXX, XXXX XXXX Inaccurate Address:XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Date Updated : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, US DEPT ED XXXX Owed XXXX {$1000.00} , US DEPT ED XXXXBalance Owed : {$6400.00}, US DEPT ED XXXXBalance Owed : {$3100.00}, XXXX XXXX Balance Owed : {$2200.00}, XXXX XXXX XXXX XXXX XXXX**Balance Owed XXXX {$1100.00}, XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXX XXXX XXXX XX/XX/XXXX