23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit card debts were charged off. Bought by Midland Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX illegally. I did not received validation of debts. Asked numerous times. Debts placed in judgements. Harassed my employer, garnished my wages and my federal and state refunds without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never lived at listed address ... listed address is non existent ... experian refuses to update and delete from profile... 
XXXX XXXX XXXX XXXX XXXX, GA XXXX... 
I want information moved from my personal information...
Product: Debt collection

Southwest Credit called a number they have on file for me that was unlawfully furnished and obtained by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified without providing any proof within the time frame specified by law. My credit report includes this erroneous account that needs to be investigated and corrected : XXXX XXXX
Product: Credit card or prepaid card

I am a service member who XX/XX/XXXX in XX/XX/XXXX through XX/XX/XXXX. I elected my Servicemembers Civil Relief Act with USAA prior to departure and they reduced my auto insurance due to the vehicle not being in use while gone. We were XX/XX/XXXX to an austere environment with limited communications and no mail forwarded on to the location. Members deactivate their cell phones while gone and turn it back on upon return. What mail is sent was arriving as late as 3 - 4 months later due to the remote location and logistical challenges. 

I had a USAA Visa credit card for well over 13 years with no issues with the credit limit up to $ XXXX. The card had a balance of over XXXX in reward points due to me equating to more than $ XXXX if cashed out. 

Apparently a {$23.00} charge appeared on the card after I departed which I was unaware of. Being XX/XX/XXXX I did not receive any communication from the lender nor could they not reach me ( assuming they tried ). USAA closed my credit card and reported over 120 days non payment to the credit bureaus. 

Upon return from the XX/XX/XXXXin XX/XX/XXXX, I immediately paid the amount and attempted numerous times ( unsuccessfully ) to resolve the issue with USAA. They mentioned if the account was " just voluntarily closed '' then the points would be available for over 120 days but would not allow credit for them in this instance. 

This is the only negative reporting I have on my credit report and it brought the score from a highXX/XX/XXXXdown to XX/XX/XXXX 

Under the SCRA, I respectfully request removal of the negative credit reporting and allow a cash out payment for the reward points balance. Because of the credit reporting a loss of available credit it would be good to have the credit limit restored as well. This negative reporting on my credit will cost me for years to come through the inability to obtain lower mortgage and loan rates, other credit cards, etc. I am due to relocate in just a few weeks and plan to purchase a home. 

Many thanks for any relief assistance you could provide. 

Sincerely, Military Member
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX
Product: Credit card

In XX/XX/2023 I changed my payment due date with American Express after starting a new job. I was told that the change would go into effect by XXXX, and that I could pay the bill on the new due date in XXXX. I was reassured by the representative that Amex would waive any interest based on the new payment date if any charges were assessed because of a " late payment '' on the new due date in XXXX. 

I paid in full on my new due date in XXXX and was assessed interest ( around {$300.00} ) on the full amount of the balance because the new due date was not yet in effect ( I paid 3 days after the old due date ). In XXXX, I also paid my bill in full. I was assessed yet another interest charge ( around {$300.00} ) in XXXX based on failing to pay by my original XXXX due date ( trailing interest ). I called American Express in XXXX and they promised to credit me for these interest charges. They did not, and I called back in XXXX and told me that they had to escalate the matter for review. They refuse to waive the charge while the investigation is ongoing, which could take weeks. 

In sum, I have been charged over {$600.00} in interest on two statements for paying one bill three days late, after I changed my payment due date and was reassured that any interest charges would be waived. 

This behavior by American Express is fraudulent, dishonest and unfair. If a person tricked another person into incurring over {$600.00} in charges, it would be a crime. For American Express, this is just another day doing business.
Product: Debt collection

I have been disputing a collection from Rent Recovery Solutions for an apartment XXXX XXXX for months. I've written them both, the collection agency and the apartment complex, because I don't believe that this balance is anywhere near correct. I've gotten no response from either of them but the collection agency calls non stop and will not give me any info but demand payment. I called the collection agency directly hoping to get some assistance they were unable to find me in their system. I asked then how come they are calling me demanding payment, they had no explanation. I called the apartment complex and spoke with the leasing manager. They had no record of me and no record of the collection agency either. This has been on my credit report XXXX of XXXX and I've been disputing it since XXXX of XXXX with no results what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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
Product: Student loan

After graduating college in 1994, I started repaying the student loans but then became unemployed and the loans were put into deferment. However, each year as I have tried to the get payments lowered to an amount that I can afford, Navient continues to say that deferment or forbearance is the only way to manage them. Now I am XXXX and have $ 150K+ loan balance that will never be paid off. When the loans first started they were through a bank and then went to XXXX XXXX and eventually Navient. This company has set out to make it hard for any one who struggles to make any payments. They have change guidelines and rules each time I try to renew the income sensitive repayment plan and end up placing me back on forbearance. There are many like me who would have paid on these loans had they been a manageable payment, but because they were usually 50 % higher than what I could afford, I know have this huge debt hanging over my head that will follow me to my grave. The consolidation they gave was a joke and did nothing to stop the interest accrual.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Recently, I have done XXXX reinvestgation with inaccurate and incomplete information on XXXX consumer credit report this the XXXX reinvestgation submitted over the same inaccurate and incomplete information. U.S.C. XXXX XXXX by law you are obligation to revestigate and remove inaccurate or incomplete information reporting. Accounts have been removed by XXXX and XXXX. Remove these accounts immediately! 


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

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information stays private which is supported by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " The XXXX  XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The XXXX  XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent or permission to appoint or furnish this information additionally they do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX and XXXX XXXX XXXX XXXXXXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX  XXXX XXXX, XXXX, XXXX and Experian never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an unfavorable item which they are reporting again without my permission this is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  XXXX XXXX, XXXX, XXXX and Experian are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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

15 U.S. Code 1681s2 ( a ) ( 1 ) ( a ) Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) Duty of Furnishers to Provide Accurate Information ( 1 ) Prohibition ( a ) A person who furnishes information to a consumer reporting agency must not provide any information that they know or have reasonable cause to believe is inaccurate. 
Reporting Errors : If a consumer notifies the furnisher that specific information is inaccurate, the furnisher must refrain from providing that information to the consumer reporting agency. 
Reasonable Cause : The term reasonable cause to believe that the information is inaccurate refers to having specific knowledge beyond mere allegations by the consumer that would cast doubt on the accuracy of the information. 

Once the original creditor sells the debt to a third-party debt collector without my permission. I no longer owe the debt. 

15 US Code 1681i ( 5 ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the treatment of inaccurate or unverifiable information in a consumer 's file at a consumer reporting XXXX. If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the XXXX.
Product: Checking or savings account

There were fee assessed XXXXXXXXXXXX  account and they closed bec6refuse to pay fees I wasn't aware of
Product: Credit card or prepaid card

There is an erroneous charge the XX/XX/2017 statement for the amount of {$2700.00}. labeled " adjustment Goods/Services extended payment option '' Reference : XXXX XX/XX/2017. How did this number get generated.In addation I would like to request a " AXP Internal '' audit for the year 2017.
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 XXXX XXXXXXXX Account Number : XXXX Account Name : 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: Checking or savings account

I contacted the customer service number and was transferred to a phone representative named XXXX at XXXX a.m. on XX/XX/year>. XXXX appeared less than helpful when I inquired about the several attempts I made to transfer my money from XXXX into my financial institution. 

XXXX asked what kind of bank it was, and I asked her how can I determine what type of bank I had. She acted irritated with my question and responded with vague and rude answers. When I questioned XXXX about how I could obtain that information to determine if the transfer could be made, she responded with an attitude again. I provided the name of my bank, and she continued to react with an attitude. She told me, I dont know what that is. She went on to say that she needed the name of my bank because there is a list of banks they can not transfer money into. Yet XXXX asked what the name of my bank was, and I told her it was XXXX XXXX XXXXXXXX XXXX, and she acted like I abandoned her in the dark and communicated in a different language. 


When I perceived the verbal exchange with her was escalating into a dispute, I requested to speak to a supervisor, and she told me to hold. When I was placed on a brief hold, she told me there was a high call volume and that I would be on hold for a while. I was on hold for over an hour with no update or alternative resolution.
Product: Checking or savings account

I opened a {$25000.00} CD for 6 months with Wells Fargo at appx. 4.5 % interest. It matured, and instead of returning the funds, they reinvested them for 6 months at appx. 2.5 % with a penalty to withdraw. I asked them to release the funds, they refused. I have since gone through many calls and their so-called complaint and investigation procedure and the result is effectively " bad luck ''. When I insisted on them releasing the funds, they put me back into the complaint process. 

For reference, the current rate they are offering on the same duration CD is around 4.5 %, so they have trapped my money at approximately 45 % discount on the return i should have received. They say that they sent me a letter and I didn't respond so this gives them the right to do this. I received no such letter, and do not consent to my funds being trapped on these terms, subject to release only with penalty. 

Wells Fargo have a well documented history of acting without client consent, and it is on the record that this type of behavior is one of their business practices.
Product: Debt collection

Hi, I received a debt collection on my credit report from Midwest Recovery Systems, this is their address : XXXX XXXX XXXX XXXX, MO XXXX. It said that I owed {$150.00} as a collection from XXXX XXXX, but I never received an email, call, or letter from XXXX XXXX  or the debt collection agency. I contacted them and paid the collection anyways because I needed it off my credit report, but they said they had emailed me in XXXX. I have absolutely no email from from anytime and I've looked through all parts of my email including spam. I asked them if they might come up as another name in the email and it says they show up as " no-reply. '' Labelling the email as " no-reply '' is confusing and more importantly, I never even had an email from that email either. I tried to ask them if I could dispute it since I never got an email, but they said no because they said they did email me even though I never received it. They resent the email me today XX/XX/2020 when I asked them to XXXX after first having to jump through hoops to contact them through phone ) and the email came through as XXXX. I was able to lower the amount paid to {$120.00}, but I still feel like I wasn't contacted properly and I shouldn't have paid the amount I did. Also, when looking at the email I made them resend, they had my address completely wrong. 
In the pictures I provided, I did my best to prove I never got an email from them and to show the exact dates of when I actually did get the email.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. I have so far filed four disputes twice due to no reinvestigation efforts by Experian. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed that my Account on my Direct Deposit and Cash Advance have a balance of {$4300.00}, which is not correct. I call customer service I spoke with XXXX, I wanted to know when was my last Cash Advance,  she claimed she could see it, it. I told her that it been about six or seven years ago, that I used that service and my account still high. So I call the Dispute Department to get another Dispute started, because I had one in XXXX that was never resolved for the same thing because I have n't seen in decrease in my Cash Advance Balance. I spoke with XXXX, about the issue a hand he tried to brush me off, sending my call to XXXX in collection, than she transferred to XXXX, she looked at my account and told me that I had {$1000.00} worth of interest each year. I said what? Who in their right mind have interest that high, she asked to put me on hold while she talk with her supervisor, she never came back to the phone. Then XXXX, in Customer Service picked up, I explained to her what was on and the statement that was made to me about the interest. she was wondering herself why was n't that issue resolved on there end two years ago. I told her I guest because I just kept paying my bill and they kept sticking me. She claim that she 's going to escalate this dispute. I ca n't trust that, I tried that before and I 'm deeper in debt
Product: Checking or savings account

This is in reference to a complaint already filed on XX/XX/2021 against bank of america, complaint # XXXX and complaint # XXXX I am submitting new documents.A correspondence via mail from the other party XXXX XXXX.