23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX IL XXXX or XXXX XXXX XXXX XXXX XXXX PA XXXX Original Creditor : XXXX  XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX CA XXXX XXXX Number : ( XXXX ) XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from XXXX  XXXX Account Number : XXXX. This Collection account is reporting not only as Open on all accounts but also shows a past due balance of [ {$260.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. 


Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX I have paid the debt and the debt collections refuse to remove this negative remark off my credit report the amount is paid in full. XXXX XX/XX/XXXX is saying I owe XXXX $ I have not put any services in my name.XXXX XXXX  XX/XX/XXXX is asking me to pay XXXX $ I have not put any services in my name. XXXX XXXX XXXX XX/XX/XXXX is asking me for XXXX $ I moved and had no idea someone was using services in my name.
Product: Credit card or prepaid card

There are two complaints. While in XXXX on XX/XX/XXXX I booked a stay at XXXX in XXXX, I put in the wrong dates, corrected the dates and stayed at the hotel for 2 nights on XX/XX/XXXX. When I recieved my statement from Barclays Choice Privledges there was a {$290.00} charge for correcting the dates. In addition the second complaint is I recieved a {$630.00} charge from the hotel and a {$720.00} charge from XXXX for the very same stay, I was double charged. I have filed disputes with Barclays and XXXX and have been unsucsseful. Barclays transferred my Choice Privliges card to XXXX XXXX In XX/XX/XXXX, they have inhertied these issues.
Product: Credit card

AMERICAN EXPRESS Consumer Card re : NOT RECEIVING REWARDS DOLLARS I have called three times in the past three months to have my rewards amounts fixed. For three months they have not corrected the situation and even lied to me today, XX/XX/XXXX, stating I received one of the rewards, and after I proved them wrong they reneged and stated it was a technical issue that they are aware of and it hasn't been repaired yet! 

The first item was for an XX/XX/XXXX online purchase to XXXX XXXX XXXX XXXX  for {$26.00} spent on my XX/XX/XXXX - XX/XX/XXXX bill. I SHOULD HAVE received a XXXX XXXX  cash back in the amount of XXXX cents for this XXXX purchase. Not only did I NOT receive the XXXX XXXX I didn't even receive the bare minimum of XXXX XXXX ; it doesn't show up AT ALL on the rewards summary page! I have called three times since XX/XX/XXXX, the most recent being today, XX/XX/XXXX, and they have still not given me XXXX XXXX in rewards for this purchase. 

The following billing cycle, XX/XX/XXXX - XX/XX/XXXX the situation became worse! In FOUR cases AMEX only gave me a XXXX XXXX  reward instead of thXXXX XXXX XXXX reward : XX/XX/XXXX XXXX {$71.00} spent ( rec 'd only XXXX XXXX instead oXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX spent ( rec 'd only XXXX XXXX instead of XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXpent ( rec 'd onlXXXX XXXX XXXX instead of XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX spent ( rec 'd only XXXX XXXX instead of XXXX XXXX XXXX  Each time I call AMEX and reach someone in America ( typically Nevada ), they transfer my call to the XXXX where I am promised that everything will be corrected and it never gets corrected. Today I asked XXXX in the XXXX to be transferred to a supervisor state-side. I was transferred to XXXX in Nevada who stated that they are working on the issue, she has created another Open Ticket, says that AMEX will uphold the cardholder agreement and I will get everything that is coming to me yet she could not put that in writing, could not give me a Confirmation number for my phone call, nor could not give me the Open Ticket number but said everything has been well-documented. When I asked her to review my last phone calls she stated she could see when I called but could not tell me what those calls were about, therefore they are lying to the public when they state they keep good records. This has gone on for three months and who knows how many others haven't even noticed that they did not receive the correct amount of Rewards Dollars!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX NA XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I received an email today notifying me that capital one closed my card due to inactivity. I never received any notification nor email prior advising this. They also did not call nor mail me anything. I called and they said i have to re apply and can not re open. This is a way for them to grow there sales and is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two credit cards with XXXX XXXX XXXXXXXX, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was  the person who filed bankruptcy. I have brought this matter to XXXX XXXX XXXX in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that XXXX XXXX XXXX reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the XXXX XXXX XXXXXXXX accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.
Product: Credit card or prepaid card

Chase Credit Card offers Chase Offers on their credit cards as a Cash Back incentive to spend money. You have to tap or click on the promotions which gives you a green check mark on it. You have to use that particular credit card. Then you make a transaction with the retailer offering that promotion. 

I have the Chase XXXX card which contains an annual fee of {$95.00}. I tapped on the XXXX XXXX  and XXXX XXXX Chase Offer promotion before making the transaction. It expires on XX/XX/2022. " See full offer details & terms below '' " Earn 15 % back on your XXXX XXXX stay when you spend {$100.00} or more, with a {$38.00} back maximum ''. On XX/XX/2022, I approved XXXX charging my Chase XXXX XXXX {$240.00} for one night at XXXX XXXX and another night at XXXX XXXX. I should receive {$76.00} cash back. I made the transaction before the promo expired. 

First attempt, they said that I didn't activate the promotion. I did and shared screen shots as proof. Later, they responded saying the back office marketing team doesn't approve this promotion. 

Second attempt on XXXX, I told them that I uploaded valid proof of the issue. Before making this charge of this promotion is confirmed. They said they have no record of this call and only record of another dispute matter. They told me that they can put in another request but doesn't guarantee any outcomes. I spoke with Chase Credit Cards supervisor and can't go any further than that.
Product: Consumer Loan

I had given the run around that I would be able to pay but when I finally told them that I did not have the money and that I would pay it off as soon as I got my taxes and that they had been filed they said they would have to continue the collection. I told them ok I understand. They have been calling me daily and I tell them the same thing daily, that I am unable to pay but I will be able to do something at least by the XXXX. Today I did n't even receive a call and XXXX, the manager, said that she just decided to call my references instead because I was going to tell her the same thing. I have been answering now and being honest and now I am at the point that this is harassing and it is very stressful because I am doing the right thing now by being honest and I answer and I tell them as soon as I get paid I will pay it. She told me that it was policy to call my references when I continue to give them the same answer every time. This was for Western Shamrock in XXXX, XXXX. I talked to one of my friends that has a loan with them that she still owes them and they do n't do this to her. XXXX, has even called my job wanting to know what she needed to do put a garnishment on an employee that worked for my company. I am fed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in a communication tag with XXXX XXXX XXXX for over 4 months. In XXXX, I was the victim of identity fraud, I called XXXX immediately. The person on the phone assured me I had nothing to worry about and that nothing would report to the credit agency while I fixed my payment accounts. 

In a response from XXXX XXXX XXXX to my complaint, they sent me someone else 's account information as a reply! This is extremely negligent and a slap in the face because I was just a victim of identity fraud. I've attached the letter here.
Product: Credit card

XXXX XXXX Gas Rebate World MasterCard states that you will " Earn XXXX % rebate on gas purchases - capped at XXXX % of your total monthly purchases '' When I inquired as to what the result would be of only purchasing gas and nothing else I was told that I would receive a XXXX % rebate. I made this inquiry two times by phone and the representative was confused and needed to speak with a supervisor to confirm the rebate features, but both times stated that I would receive XXXX % in rebates if I only purchases gas. 
I used the card to purchase only gas and received a XXXX % rebate, not XXXX %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXXn cant provide to my two year old daughter PLEASE HELP ME PLEASE
Product: Vehicle loan or lease

I paid off my loan in full on XX/XX/2021. I called after XXXX days to ask where my title was, and was told it would arrive in XXXX days. 

A month passed and I called again and was told " the account wasn't closed correctly '' and my title would arrive in XXXX days. 

Every single month since then I have called when I receive a statement in the mail and am told the EXACT SAME THING. 

I tried contacting the title department and was told they don't handle those requests and was transferred to XXXX ( my car wasn't leased ) who then transferred me back to customer service who said my title would arrive in XXXX days. 

Now, almost XXXX  months after paying off my car, I still do not have my title!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to this company to remove the unauthorized inquiry from my credit file.
Product: Debt collection

Discover card sent the IRS a XXXX for 2016 and neither myself or my wife had a discover card. Now the IRS is claiming we owe over {$9000.00} because we did not report the XXXX on our 2016 return. Both myself and my wife pulled all bureaus on the free annual credit report site and it proves we never had a discover card. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date.

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit card or prepaid card

I had a credit card charge that i am not aware or have not authorized. I filled gas at a XXXX, XXXX gas station and the merchant told me that the card is declined. I then paid it by another card. However, the merchant fraudulently charged lot of money on my card. Citi bank declined to fully investigate this. They did not get any information from the merchant and they clearly stated it in the letter i received. Despite of this, they closed it stating that it is valid because i gave the card to the merchant. They ignored on what i stated about card decline. Full details of what has happened is in the attached letter. 

I kindly request authorities to look into this case and particularly the way they have conducted this investigation, because this type of partial or weak investigation is going to impact lot of customers like me.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account # XXXX ( ALL 3 ) XXXX XXXX XXXX  ) XXXX XXXX XXXX. XXXX, OH XXXX ( XXXX ) XXXX ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) Toyota Motor Credit XXXX XXXXone open-one closed ) Toyota Motor Credit XXXX, GA XXXX ( XXXX ) XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act, it is EXPERIAN 's duty to be reporting correct and accurate information on my credit report and file- however, they are NOT. EXPERIAN is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the reporting of 90 days late on XX/XX/2018. This is incorrect and are supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes the inaccurate late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/ permission to furnish these inaccurate late payments on my consumer report, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EXPERIAN has violated my federally protected consumer rights and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

XXXX is reporting an erroneous debt reported by Key 2 Recovery of {$1700.00}. This debt does not belong to me as my identity was stolen, including identification, social security card, and birth certificate. I am aware payments were made towards this account ; however, I affirm they were not made by me, from my authorized account, or on my behalf. This account of which Key 2 Recovery is collecting on in error and I have not had a relationship of any kind. 

As a result of the false information or accounts obtained falsely, it negatively impacts my credit, and the bureaus or the collection agencies have NOT done due diligence to verify and rectify.