23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hi, I am an American Express credit card customer. In XXXX and XXXX 2016, I opened XXXX accounts with welcome offers of XXXX and XXXX membership rewards, and the minimum spends are {$1000.00} and {$2000.00}, respectively. After I spent the required amount to meet the requirement, American Express granted me the points of XXXX ( XXXX ), but soon they deducted the points from my account. Therefore, I contacted American Express to find out why. Every time the representative told me a different reason, but all these reason are not correct. For example, one representative told me some transactions were returned but he could n't locate which transaction was returned, because there was no such returning transaction posted to my account. Meanwhile, after contacting them, I did make another {$1000.00} and {$2000.00} spends to meet the required amount again, and then contacted American Express again in XXXX. This representative promised me that I should see the total of XXXX reward points posted to my account within 6-8 week. However, I have n't seen the points for more than 10 weeks. I think American Express is cheating on me and refuses to give me the points. Their representatives are poor-trained and always lying to customers. I think Consumer Financial Protection Bureau may be able to assist me to get a response from American Express and solve this problem. 

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

To Whom It May Concern, I signed up for PPA Lease ( Agreement ) with SolarCity, such agreement was never reported on my credit report until this year. SolarCity was acquired by Tesla. However, this agreement now reflects a " loan ''. No where on my agreement with Telsa agreement states that this agreement was a " loan '' nor was there a " Truth in Lending '' statement. Such action is a violation of the Fair Credit Reporting Act and Truth in Lending Act. 

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

I have 6 inquiries on my credit report I need them disputed i did not authorize these inquiries and it's making my credit look bad
Product: Credit card or prepaid card

On XXXX XXXX, 2017, while reviewing my XXXX XXXX XXXX report, I noticed an alert to a credit card balance with Discover in the amount of over {$3000.00} for an account ( no. ending in XXXX ). I immediately contacted XXXX and told them that I never applied for a credit account with Discover. I contacted Discover and informed them that the account in my name was fraudulent. I also filed a police report. Discover denied my claim of XXXX XXXX and Credit card fraud without providing me any information of probative value in defense of my claim. They indicated that I would be billed under a new account number. I sent a letter dated XXXX XXXX, 2017, requesting reconsideration of their decision, along with a request for information and documents. I also submitted compelling data in my defense : Indisputable data from my Bank transactions and Phone GPS tracking log, other info, that clearly show that I was nowhere near the location that the fraudulent credit card activities occurred. I demonstrated that I have an excellent credit rating and that my purchasing travel and payment habits have remained consistent for years. Discover refused to retract their decision and failed to respond to the request for information. Ultimately, Discover closed the fraudulent account ( no. ending in XXXX ), and opened a new account, ( no. ending in XXXX ) in my name, without my approval. Discover then transferred the approximately {$3900.00} balance from the fraudulent account ending in XXXX along with a transfer fee of {$140.00}. to the new account ( no. ending in XXXX ).
To date, I have filed claims with the major three credit reporting agencies : XXXX, XXXX, and XXXX, Discover, XXXX Md. Police., XXXX Inspector, FTC , MD Attorney General, and the FBI 'S Internet Crime Complaint Center.
Product: Credit reporting or other personal consumer reports

Dear Experian Customer Service, I hope this message finds you well. I am writing to request the removal of unauthorized credit inquiries from my Experian credit report. Upon reviewing my report, I discovered several inquiries that I did not authorize : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX : XX/XX/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 XXXX. XXXX : XX/XX/XXXX I want to emphasize that I did not apply for credit or authorize any of these companies to access my credit information on the mentioned dates. As a vigilant consumer, I regularly monitor my credit report and ensure that all inquiries are legitimate and authorized. 

Additionally, my Experian credit report has an access alert, requiring lenders to contact me for permission before accessing my credit report. However, none of the aforementioned companies reached out to me for authorization prior to making these inquiries. This is a clear violation of the access alert and raises significant concerns about the security of my credit information. 

I kindly request your immediate assistance in investigating these unauthorized inquiries and promptly removing them from my Experian credit report. Furthermore, I would appreciate your guidance on how to prevent similar unauthorized inquiries in the future, ensuring the protection of my credit information. 

Please provide me with a written confirmation once the unauthorized inquiries have been successfully removed from my Experian credit report. 

Thank you for your attention to this matter. I eagerly await your prompt resolution and response. 

Sincerely, XXXX XXXX
Product: Credit card

XX/XX/XXXX Placed order for XX/XX/XXXX ( invoice attached x2 ) XX/XX/XXXXXX/XX/XXXX Delivered XX/XX/XXXX XX/XX/XXXX LEFT ear piece NOT working XX/XX/XXXX Requested a return via XXXXXX/XX/XXXX return request attached ) XX/XX/XXXX XX/XX/XXXX arrived WITH the return label to pick up item ( pickup receipt attached-showing return reference number XXXX with tracking number of XXXX ) XX/XX/XXXX Return delivered to XXXX XX/XX/XXXX Spoke to XXXX customer service asking about refund. They advised they had not received it. Confirmed with them the return tracking number via XXXX. They then confirmed the item was infact delivered back to them and a refund would be issued. 

XX/XX/XXXX Still no refund from XXXX. Spoke to customer service at XXXX again and they stated to file a chargeback with my bank. 

XX/XX/XXXX Chargeback started with Synchrony Bank ( claim # XXXX ) XX/XX/XXXX Chargeback closed with NO credit issued for item that was returned to XXXX. 

All proof is attached this is complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a account on my credit report that isnt mine the account was open fraudulent by someone else the account is a XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address XXXX critical matters : 1. Request for Removal of Late Mortgage Payments My mortgage payments should have been protected under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, implemented by HUD to assist borrowers impacted by XXXX. During this period, I was approved for a partial claim, in which late payments were to be reported. These late payments were incorrectly reported and need to be removed promptly. 

2. Complaint Against Equifax I am also filing a complaint against Equifax for failing to properly investigate this disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours, stating the account is accurate without evidence of a thorough investigation.This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Additionally, Equifax 's actions may contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) .I urge the Consumer Financial Protection Bureau ( CFPB ) to take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts in question are as follows : XXXX XXXX : XXXX XXXX Bank : XXXX Thank you for your attention to these matters. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

Jefferson capital systems appeared on my credit report XX/XX/21 which dropped it XXXX points claiming a debt that has never been mine. An amount of {$950.00}. Ive never been contacted in mail / email or phone call before this date referring to any such debt or amount from the above company or any other company. When credit scores are such a hard thing to maintain an unannounced false debt hits pretty hard.
Product: Credit card

On XX/XX/XXXX, Amex charged my card {$1400.00} for a booking at a hotel. The vendor for this charge was Amex itself, via XXXX XXXXXXXX. When I got to the hotel, they had a much cheaper room available, so I booked that room directly with the hotel and the hotel contacted Amex to cancel the charge via Amex travel. I realized the amount was still on my card after my statement was issued and I opened a dispute. Amex resolved the dispute against me, even though I paid for the direct hotel stay with my Amex and they had a record of that. It's insane that Amex is even allow to resolve disputes where it is both the credit card company and the vendor. I called Amex and they agreed to remove the charge. Here we are XXXX calls later, and then amount is still on my account. This company is either actively scamming me or totally incompetent and I'm not sure which is worse. And this is with the " premium '' service that comes with a XXXXXXXX XXXX  - imagine what consumers who don't have these " perks '' are experiencing.
Product: Debt collection

I am receiving this call 3 times a day maybe 5 days a week from XXXX different numbers. They are trying to collect on a debt double the amount that is owed.
Product: Credit card

This is my second instance for the purchase interest being charged in the same card ( Chase Sapphire Preferred ). I have previously submitted a complaint regarding this and that was resolved and i was promised that there wont be any interest on the 0 % balance transfer till i do n't make any additional charges on my card. 

My XXXX statement did n't have any interest charges but i check my XXXX statement and they put a {$14.00} interest purchase. I have made no purchases on my credit card during my biling cycle. I tired of calling Chase again and again over the same issue. So I am directly reaching out to you. I want that charge to be removed and also waive {$95.00} annual fee for causing this mental harassment for ( Its only fair since they charge customer hidden fees-Tthankfully i check my statement regularly ) .I am sure there are other customers who dont even notice the corrupt practices my banks. 

Also charged interest on another card ( XXXX XXXX ) when they will charged me the annual fee even though it was a i pay it back the next day. Its not my mistake that the annual fee was charged. That charge in unavoidable to they should n't be charging an interest on that. This happened because they put an annual fee and not because i made a purchase. This practice is to mint money and interest out of customers even though regularly pay their minimum due on 0 % apr offers
Product: Debt collection

This was a business account my company had that is now closed. The debt was with XXXX XXXX not collection company. Debt was charged off by XXXX XXXX and taken off company credit report then this collection company decided to make the debt a personal debt payable to them. I nor the closed company ever signed any agreement with the collection company. Moreover, their representatives have made it clear they have no intentions on removing the illegal debt and they will kept placing it on my personal credit report despite that it may be illegal and my objections. They opened a closed account and are making it new and open, which goes against the Fair Credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

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

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

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

8. Identity Theft XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card

I filed a dispute with Chase on a charge from XXXX XXXX XXXXl at XXXX XXXX at around XX/XX/year> because of customer scam. I provided clear documents supporting my claim. After months ' of waiting, Chase declined my request. In their letter explaining their decision, they completely sided with and only listed the merchant 's claims, and completely disregarded the evidence I have submitted, which are not even mentioned in their decision letter. I asked them to escalate the issue and reinstate my dispute as they have failed treat my case fairly. Chase then reinstated my dispute, but later closed my case without even trying to reach out to me, let alone reversing the decision. It's been almost a year and I am not seeing them doing anything to address my dispute in a fair manner. I believe Chase 's handling of issue is beyond unacceptable.
Product: Credit card or prepaid card

Chase Card is applying my payments to the portion of the balance where interest fees are not being charged yet. The portion with a promotional balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and realized that there are a couple of inaccurate information on my credit report. I was saddened to learn that you somehow verified the disputed item 's, electing to leave them on my report. 


XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX/XXXX  Account # XXXX XXXX/XXXX - Account # XXXX XXXX XXXX- Account # XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.
Product: Credit card or prepaid card

I took a trip to XXXX and booked an apartment through XXXX.. I paid {$560.00} dollars to stay in a poorly appointed, misrepresented property. I filed a complained to XXXX about the situation without any resolution. The XXXX had non working toilets that flooded, bugs, ran out of water - it was bad .... 

Next : I filed a complaint with PayPal : Dispute Case ID : XXXX. 
And they denied my claim ... I am not sure what else to do, I feel like I was cheated and my families trip was ruined. 

I should have taken pictures of the property, but it didnt cross my mind. All I have is a copy of the text msg between the property owner and I ...
Product: Credit reporting or other personal consumer reports

I have sent a letter to Wells Fargo Dealer Services to opt out of my information being reported to any third party. They have been reporting my information for over XXXX  months and I did not give consent or authorization per 15 USC 6802. I have attached my letter sent to Wells Fargo
Product: Mortgage

We received a notice from our lender that they were going to automatically enroll us in PMI after we have already formally requested not to have this charge applied to our loan. We met the criteria to cancel the automatic payments and continue to meet those requirements. They have turned around and are trying to enroll us again.
Product: Debt collection

After monitoring my credit reports from all three bureaus I noticed a collection for {$120.00} from COLLBURXXXX  and dated they received XX/XX/XXXX so I called to request details so i could determine if this was a true bill or not and the person was informed I was recording the call as well and that this was not my bill and could she give me the any information the account number, dates, amounts, coverage of insurance, anything that could prove it was a bill owned by me or send me what she had be cause that wasn't enough etc. and she sent me a link to " virtu '' pdf and on this was NO INFORMATION except my name, date of visit, a date 9 days later when it was filed and nothing else no social, no DOB, no address nothing. then I started researching what to do and I learned about " XXXX debts '' and debit collector scams and that this COLLBURXXXX  had not contacted me and had no information and stated there computers had been down is the reasoning for not reporting to bureaus or contacting me, so I went further and background checked the individual that the email came from and needless to say if its the same person which it only pulled one who sent the email she has been arrested for theft a few times. 
The Email was sent from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Did know what to do other than send a certified letter requesting debit validation but wanted to also contact you
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

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

This was not sent in error I am a consumer by law and it has come to my attention that Transunion have been reporting my transactions with XXXX XXXX to the consumer report. This is illegal according to 15 U.S. Code 1681a. What happens when someone is late, their charged a late fee which is a transaction. So therefore, if transactions and experiences are not included on my consumer report then XXXX why are you reporting late payments on my consumer report.
Product: Checking or savings account

I WAS SCAMMED BY 2 DIFFRENT COMPANIES. I PAID XXXX XXXX XXXX  {$990.00} ON XXXX USING MY DEBIT CARD.. I ALSO PAID XXXX XXXX  XXXX  WITH A CHECK {$4100.00} ON XXXX. THESE 2 COMPANIES TOOK ADVANTAGE OF ME AS A SENIOR CITIZEN. THEY DID NOTHING AT ALL FOR ME AND I DON'T KNOW WHAT TO DO AT THIS TIME. I REALLY NEED THIS MONEY AND NOBODY IS ABLE TO HELP ME.
Product: Credit reporting or other personal consumer reports

Remove accounts from account that was not properly investigated the companies are as followed 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 and XXXX XXXX. These accounts were used as a tax write off and should have been removed 6 disputes ago. Want all the accounts removed off my credit.