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

I was a member with American Express Gold rewards premier card for the last 2 years and today I was told through a chat conversation that my Card can be upgraded to American Express 'Platinum ' card and with an additional bonus of XXXX points for {$5000.00} in 90 days ( If i spend ). When i called back after 24 hours to confirm the offer, the completely denied the claim and said they need to do an investigation. I said to pull up the chat conversation and they said their system is temporarily unavailable and call back in another 2 days. They said the investigation take around 6-8 week.s I feel like this is totally unfair to me and American express should honor what they offered.
Product: Credit reporting or other personal consumer reports

I have disputed to be opted of third party sharing. I have also asked that everything be removed from my consumer report. I also sent documents on XX/XX/year> with all the supporting documents to verify my identity.
Product: Debt collection

My bank account became frozen on XXXX XXXX suddenly and i got noticed from my bank that my bank account is restrained by debt collection judgement .After couple days i got letter from the debt collector agency XXXX XXXX XXXX XXXX XXXX XXXX Showing Palisade Collection llc has a court judgement order given on XXXX XXXX. I am confused after such a long period they can still sue for the debt where its like time barred or expired statue of limitation.
Product: Debt collection

On XX/XX/23 I received a copy of my consumer report from Experian indicating that I had a new collection appear on my report. XXXX XXXX XXXX XXXX this account dropped my XXXX XXXX and I was confused to how such a thing could happen when in fact I have never owed any debt with this collection agency. I requested an immediate investigation in which I requested verification and validation of compliant reporting in the form of a notarized statement by someone with original knowledge of the debt, attesting that it was legally incurred, not used as a profit-loss tax deduction during the payable period, and not claimed as a loss with any insuring entity during the payable period. I request proof of any and all claims.
Product: Credit card

I received notice in the mail that capital one would be closing my account do to there " expectations '' not being met.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get updates from off my credit reports. Please remove all unverifiable and unauthorized negative accounts. Or I will have to file for litigation. Please have them update the credit reports immediately. This is against the CFPB regulations and guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarify Services a part of XXXX refuses to remove inquiries 24 months and older stating my request for them to comply with FCRA guidelines and remove is frivolous. This is a blatant and willful disregard for FCRA guidelines as inquiries are only to be on a consumer report for 24months! Furthermore, they refuse to remove an unverifed charge off that the company themselves have removed from all other credit bureaus. Clarity Services is governed by FCRA as they are part of XXXX who is also governed by FCRA and is obligated to comply with FCRA guidelines.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX 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 XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> on XXXX and Reported Paid on Time on date : XX/XX/year> by EQUIFAX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't have an active payment history. This inaccurate information falsely manipulates the statute of limitations. XXXX and Equifax failed to investigate this account property after | asked you to do it THREE times and your neglect has violated my consumer rights. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account decision, if you can not provide me with this information in 15 days I am demanding a deletion of the following account : Accounts Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

Ordered some XXXX from a company in XXXX This Citi Bank card refused to pay for it. So I cancelled this card in XXXX or XXXX of XXXX a couple months later I started getting statements from them saying things had been charged on it. Called them talked to fraud department to let them know it had been cancelled and charges where not mine, the card was already cancelled. they agreed the charges were not mine. Went through the steps to cancel card again. they started calling me XXXX or XXXX times a day for most of the year leaving messages, and just plain harassing me. I called them and cancelled this card 4 times in 2022 and they still keep calling me telling me I am a valued customer I don't want the card and the debt is not mine need this card cancelled and debt cleared.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate removal of the following information that has resulted from identity theft : Account : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Relevant Provisions of FCRA 605B Under the FCRA, a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as resulting from identity theft. Specifically : 1. Timely Action Required : According to FCRA 605B ( a ), Experian must block the disputed information no later than four business days after receiving the following : Proof of my identity. 

A copy of my identity theft report. 

Identification of the fraudulent information. 

A statement from me asserting that the information is not the result of any transaction I authorized. 



2. Notification Obligation : As required by FCRA 605B ( b ), Experian must promptly notify the furnishers of the information about the identity theft claim, the requested block, and the effective dates of the block.

3. Limits on Declining or Rescinding the Block : Experian may only decline or rescind a block under very specific circumstances, as outlined in FCRA 605B ( c ). Any decision to decline or rescind a block must be accompanied by prompt notification to me, including an explanation as required by FCRA 1681i ( a ) ( 5 ) ( B ).

Action Requested I demand the following actions : 1. Immediate removal of the fraudulent account and inquiries identified above.

2. Notification to all furnishers of the fraudulent nature of the account and inquiries.

3. Written confirmation within 30 days that the disputed information has been removed or blocked, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 



Next Steps Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory agencies. Additionally, I reserve the right to seek legal counsel to pursue remedies under federal law, including damages for violations of the FCRA and any other applicable statutes. 

Thank you for your prompt attention to this matter. 

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

someone has illegally obtained my personal information and has been attempting to gain credit with my information, as a result of this I have several unauthorized inquiries on all XXXX credit reports that are reporting to my file and putting me in a financial hardship
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Employer XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX Information, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/07 my wife and I wired money ( {$15000.00} ) from her personal XXXX account to our joint Chase XXXX for the sole purpose of transacting business future business. 

This action was to be completed in minutes as advertised at fee from the original bank at {$30.00}. Hours went by and the funds was not credited to the receiving bank. We called the XXXX and the information was that the funds left there institution as requested. We called Chase and 4 out of 9 customer service rep. Could not see the transaction but 5 could and we were told that there was a hold on the transfer but could not provide any further information. They however was able to verify that the receiving information was accurate so no issue there. 
We have since made numerous attempts to get the issue resolved with no success at this point we do not know where I visited the branch closest to me in XXXX NY close to my house. 

It is not acceptable for us to be incurring penalties when all we wanted to do was a simple wire transfer of our own funds that we worked hard for. 

I need answers? Were is my {$15000.00}?
Product: Checking or savings account

Dear sir / madam, The bank is charging my account an Excessive number of overdraft fees. 

I filed some claims for merchandise never received and for cancelled transactions. 

In light of supportive documents that I provided to the bank, the bank issued the provisional credits. Some of the provisional credit, the bank made permanent. 

Few weeks later, however, the bank ( unfairly ) reversed all the provisional credits. Additionally, the bank reversed ( even ) the permanent credits. 

This is a complaint for discrimination on the basis of national origin, ethnicity, age, and gender. 


Please refer this complaint to the right agency to investigate. 


I further request that this account with this bank be audited by the right agency. 


I also request that the bank provide all the email communications that they have received from me, as soon as possible. 

==================== This is a complaint against XXXX Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. 


Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. 


The merchant continued to charge my card, however, even after I had canceled the transaction with them. 


I disputed seven transactions from the same merchant XXXX XXXX XXXX XXXX ) located in XXXX, XXXX ( totaling {$4500.00} ) ================== [ $ XXXX $ XXXX {$1000.00} ] + [ $ XXXX $ XXXX $ XXXX {$250.00} ] ================== The merchant is getting away with the money and the goods. The merchant is located in XXXX, XXXX. 


The bank issued the provisional credit. Few weeks later, the bank reversed the provisional credit, and decided the dispute in the merchant favor, and ( unfairly ) let the merchant to keep the money and the goods. 


The bank was biased against me and discriminated me on the basis of National Origin, Gender, age, and Ethnicity. 


I have never received any goods from this merchant. The bank, however, decided to let the merchant keep the money and the goods, as well. 


I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. And falsly claim that I have not filed my dispute timely. 


I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal. Falsly claiming that the dispute was not filed timely, which is totally false.I filed the dispute timely. 


The bank seems to be biased against me and discriminated me on the basis of Ethnicity, National Origin, Gender, and age. 


I have never received the goods and need a full refund. 


Thank you for your kind assistance and look forward to hearing from you, Respectfully, XXXX XXXX : XXXX XXXX XXXX =========== The bank should rebate all the overdraft fees for this account. 


The bank unfairly denied all my claims. 

The bank should approve all my claims for cancelled transactions and merchandise never received. 

The bank unfairly let the merchants have the money and the merchandise.
Product: Debt collection

This situation involves a collection action initiated by XXXX XXXX XXXX in XXXX XXXX, Montana. Prior to referring the matter for collection, we received no bills, calls or correspondence with respect to any amounts due. Once contacted by Credit Systems, a XXXX of Centron Services , Inc, a XXXX  XXXX, I contacted XXXX directly and was advised that they had no record of any debt. I advised Credit Systems at that point in time that I disputed the debt in its entirety and requested validation. I heard nothing for some time. Approximately 6 months later, I received another demand for payment from Credit Systems. I was advised at that point in time that adverse action had already been taken against my credit. On XX/XX/2020, I submitted a Cease & Desist Letter/Demand for Validation. To date, I have received no validation of debt. Credit Systems acknowledges receiving the Cease & Desist letter on XX/XX/2020. Despite not receiving any validation from XXXX, they have continued to make collection efforts on the account and continue to report the matter adversely to my credit report. 

I have attached a copy of the Cease & Desist letter dated XX/XX/2020.
Product: Checking or savings account

I made a transfer on XX/XX/2022 for {$560.00}. I found out it was a fraud attempt and immediately contacted Bank of America. I went through their process and they said I should contact the bank it was wired to and that they could not help me. They said it was XXXX XXXX XXXX XXXX which hasn't seemed to be in operation for years. 

My claim was : XXXX
Product: Debt collection

Company Hunter Warfield harrasing with phone calls and letters about debt that does not belong to me for total of {$940.00} reporting and affecting credit report and preventing me from obtaining credit
Product: Money transfer, virtual currency, or money service

Paypal original transaction date XX/XX/2022. 

Purchased sporting event tickets using Paypal. Tickets delivered were from a different event than ordered. Seller was unable to resolve the issue and unresponsive. Requested refund through Paypal for the {$230.00} spent. Paypal issued a partial refund on XX/XX/XXXX of {$83.00} and closed the dispute as resolved in my favor. I contacted Paypal on XX/XX/XXXX to dispute the resolution and the Paypal customer service team was not helpful stating I had won my dispute and that there was nothing further they could do. Refunding {$83.00} of a XXXX does not resolve my issue. Paypal support offered no resolution and said that I needed to dispute the charge with my bank. I disputed the charge with XXXX XXXX who maintains it was a authorized charge to Paypal which I authorized and will need to be resolved by Paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan servicer XXXX is incorrectly reporting information. Both on their website and to credit reporting agencies. 

My loans were discharged as I am 100 % XXXX veteran. As such the loans should be paid in full, closed. That's how they should appear and be reported. However, when I check the credit reporting agencies and when I get my mortgage verification document from XXXX, they show as closed but still owning $ XXXX in loans. This is inaccurate, this is wrong, and I am being harmed from obtaining a mortgage. 

Please correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting. 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 #, Account name # XXXX XXXX  XXXX XXXX name # 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years. 


15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts that I have marked inaccurate are XXXX XXXX XXXX XXXX XXXX which has been listed twice, and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing ( CO ) is a debt collector for XXXX XXXX ( XXXX ). CO has information on my credit report as an unpaid debt with XXXX. On XX/XX/, I paid the debt with XXXX to XXXX  on their website and received confirmation of the payment in full. I have sent multiple emails and have disputed the entry for CO multiple times on my credit report however, CO is not responding to my emails and CO reports that the information is accurate on my credit report - even though it is not accurate. I finally received a statement from CO on XX/XX/XXXX  showing the account as paid off however a dispute I had filed to have the information removed was closed on XX/XX/XXXX  stating CO says the account is still not paid off.
Product: Mortgage

I been trying to pay additional principal payment to mr cooper. 
The payments kept getting reverse so i chat with mr. cooper agent. 
The agent told me i need to call bank and see if there is any issue. 
I called my bank. The bank agent told me there is no issue. so I called mr copper. basically telling me to try again call got dropped so i try again to chat with differenct agent. same thing happened telling me to try again. 
I tried many times already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXXXXXX {$6500.00} XXXX XXXX {$4600.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX  XXXX {$9800.00} XXXXXXXX XXXX  XXXX {$180.00}
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list tthis account as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the this erroneous information on my credit report : XXXX XXXX XXXX
Product: Debt collection

I have XXXX collections accounts in my credit report, XXXX for the same collection agency, and XXXX to the same original creditor ( for nearly the same amount ). I have requested confirmation of ( and information for ) XXXX these accounts by certified mail, and I 've received NO response from the agency.