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

On XXXX XXXX of XXXX, I mistakenly sent a payment to an American Express credit card that has been closed since XXXX. The account with American Express was negotiated and settled for less than the amount owed through a court-approved judgment. I had made all payments as agreed to and satisfaction of the agreement was filed with the court. My account was closed and reported to the Credit Bureau as such with XXXX balance. 

I accidentally sent a {$3000.00} payment to this closed American Express card as it used to be my XXXX branded card. By mistake or an online glitch, the payment was to be sent to my current XXXX XXXX credit card. When I did not see the payment credit after two weeks, I realized the issue. 

I contact AMEX on XXXX XXXX, XXXX, to return my {$3000.00}. They acknowledged receiving the monies and acknowledged it was received against a settled and closed account. They promised to send a check back to me in the mail and took my bank information in case they would prefer to wire the money back. 

On XXXX XXXX, XXXX, I called AMEX and got transferred to 7 different individuals where the last customer service guy, clearly speaking to me from XXXX, informed me that AMEX will not return my money back. Their excuse is that I voluntarily sent the money to them and they are not obligated to send it back to me. This is, of course, unacceptable for many reasons : 1 ) We have a negotiated and completed settlement agreement filed and executed with the court 2 ) AMEX attempted to deny receiving my payments in the past and garnished my account. I sued them and reversed the judgment as I proved they had received all payment. An application to remove judgment was filed by AMEX 3 ) My credit Bureaus report " AMEX account Closed '', " Charged Off '', " XXXX Balance '' 4 ) AMEX has already received a tax credit against this charge off. My tax dollars were utilized with the charge off 5 ) Why would I ever spend {$3000.00} to an already closed and charged off account.
6 ) How could a Multi-Billion dollar in quarterly profits company like American Express take advantage of a struggling consumer like I am is beyond any moral, corporate, social or ethical protocols?
Product: Checking or savings account

My account was closed on XX/XX/21 for what they said was a suspicious XXXX payment credited to my account. I have been on the phone everyday with them since for hours trying to get this all sorted out and chatting in. They say i wont get my money until may and they wont give me any funds. This is absolutely ridiculous. How am i supposed to live without my money? This is criminal. I need my funds released to me
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information reported on my Equifax credit report. I believe this information is inaccurate and warrants immediate correction or removal. Background Impact of Data Breaches : As you are aware, Equifax suffered a significant data breach in 2017, exposing the personal information of over XXXX XXXX consumers, including Social Security numbers, addresses, and birth dates. This breach, along with the most recent industry-wide breaches, raises serious concerns about the integrity of data handling and its impact on credit reporting accuracy. The inaccurate information on my credit report is a result of data compromised during this or subsequent breaches. 

Potential Identity Theft : Due to the data breaches, I am at heightened risk for identity theft and unauthorized credit activities. All and any inaccuracies on my credit report must be thoroughly investigated to determine if they are the result of identity theft. 

Compliance with FCRA and CFPB Regulations : Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ), Equifax is obligated to ensure maximum accuracy in credit reporting and to investigate consumer disputes promptly and thoroughly. 
The Consumer Financial Protection Bureau ( CFPB ) enforces consumer protections to ensure that credit reporting agencies uphold their responsibilities under the law. 
Requested Actions In light of the above, I am requesting the following actions : Investigation and Correction : Conduct a full investigation of the disputed item and provide documentation verifying the accuracy of the attached disputed items.

Immediate Removal : If you are unable to verify the accuracy of the disputed information, remove it from my credit report immediately as required by FCRA 611.

Security Measures : Detail the steps Equifax is taking to ensure data security and the prevention of unauthorized access or use of consumer information.

Please provide written confirmation of your receipt of this letter and a resolution to this dispute within 30 days, as required by FCRA. You may contact me via the information listed above.

Thank you for your prompt attention to this matter. I expect compliance with all applicable laws and regulations to ensure a fair and accurate resolution.
Product: Credit reporting or other personal consumer reports

I am a victim of fraud and someone used my personal information to attempt to collect credit or credit products in my name. This inquiry is from : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$67.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX  and XXXX  for a investigation for aWa collections and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and awa collection and that is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX back in XXXX that I had cancelled. I returned every piece of equipment they supplied us with to their local office. I received a bill in the mail claiming that I was being charged for a piece of equipment that they never even gave me. I called the local office several times and they always told me they were looking into it and would call me back but never did. I then received a collections letter showing they sent my account off for collections. Long story short, after them not correcting their error I had filed a complaint with the Better Business Bureau against them. I had asked that they correct their error and remove the charges and recall the collection account. They had responded that they were removing these charges but I still have a collection account from " EOS CCA ''. I have attempted to dispute this with the credit bureaus and them with no success. They are attempting to collect false charges and refuse to delete this from my credit report.
Product: Credit card or prepaid card

My name is XXXX XXXX I would like to make CFPB aware of this urgent matter that requires several witnesses. I am a first had witness with personal knowledge of this experience. 

American Express is continuing to violate me personally blatantly and is causing me harm directly. XXXX XXXX has made a direct choice to share my personal correspondence with several individuals despite my protest of specifically stating not to share my personal and private information with others completely violating the privacy act. XXXX XXXX is not performing his fiduciary duties and I am being further harmed by his actions and those of American Express. XXXX XXXX XXXX American Express is also in violation of title 38 Chapter 61 misappropriations by fiduciary Furthermore, American Express is continuing to dishonor payments and is again threatening to report the account to All credit agencies further violating my privacy rights.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX  XXXX in XX/XX/XXXX and fell behind on payments. My account was then sold to XXXX XXXX XXXX in XXXX, tx. I paid off my account with them in XX/XX/XXXX and spoke to the manager there who assured me my title would be mailed in 6-8 weeks. I waited 10 weeks and did not recieve my title so I contacted them again. They told me my account was transferred to American Credit Acceptance and that company now had my title. I contacted American Credit Acceptance and they told me I owe XXXX on my vehicle still and will not release my title until it has been paid in full. They also threatened a reposession of my paid off vehicle. They said I needed to dispute the amount owed with XXXX XXXX. I have all bank account statements and payment information for the payments of my vehicle. I feel they are trying to swindle me out of more money that I do not owe. I did contact XXXX  XXXX acceptance after this conversation and the manager assured me that my account had been paid in full.
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given to me which is a violation and I am requesting that ALL inquiries be removed.
Product: Debt collection

I received a letter from Transworld Systems , Inc dated XX/XX/XXXX in regards to a utility bill in the amount of {$430.00}. Back in XXXX of XXXX another Collection Agency company contacted me in regards to this same debt. At the time it was only on my XXXX  report. This debt is not mine, so I disputed it and it was deleted off of my XXXX  credit report and I have all of the proof. Transworld Systems , Inc. just put this on my credit report ( XXXX & XXXX ) without sending me any type of notice in the mail stating that I have 30 days to dispute the validity of the debt. I did start the dispute process and the letter I received from Transworld Systems , Inc. stated they received the dispute and how they have a relationship with the Credit Bureaus. That is violation number one, how can they just put something on my credit report without giving me a chance to respond because they didn't send me a notice. According to the Fair Credit Reporting Act the Credit Bureaus must verify all information that they get from banks, credit card companies, debt collection agencies, etc. The Credit Bureaus must have the, " ORIGINAL SIGNED CONTRACT. '' Under section 609 of the Fair Credit Reporting Act, the Credit Bureaus are suppose to have this contract to make sure it is valid/correct. Under federal Law, an UNVERIFIED account must be deleted. This is not my account, this company is not the original creditor. All these companies buy paper/screenshot. This is considered a charge off. these companies file a 1099 to the XXXX and this debt becomes taxed to me. You can not collect debt on taxed income. Again, this is not my account, this has been deleted from my XXXX  Credit Report and still is on my XXXX and XXXX Credit Report. I have started the dispute process with XXXX  and XXXX and mailed it out on XX/XX/XXXX certified mail with return receipt for both accounts. The estimated delivery date was XX/XX/XXXX. I mailed into the Credit Bureaus XXXX and XXXX my dispute letter, both of the letters from the last collection agency who had this account, the deletion letter from XXXX, the 1st and only letter mailed to me from Transworld Systems , Inc. a copy of my Driver 's License and Social Security card so that they know it is me. This company has already put something on my credit report without giving me 30 days to dispute the validity of the debt. I do not feel comfortable sending this company any of my personal information, because look how they already do business! I have sent everything to the two Credit Bureaus and that is why I have not loaded any documents to go to this unaccredited debt collection agency because I sent everything to XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate Late Payment Reporting XXXX XXXX Violation of FCRA & FDCPA Dear CFPB Representative, I am submitting this formal dispute regarding inaccurate and unlawful credit reporting by XXXX XXXX related to my auto loan account ( Account Number : XXXX ). Specifically, XXXX XXXX has reported XXXX late payments for XX/XX/XXXX, and XX/XX/XXXX, even though these payments were formally deferred under a written Extension Agreement dated XX/XX/XXXX. 

XXXX XXXX Reporting Is Inaccurate and Violates the FCRA Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ( a ) ), furnishers of credit information are legally required to report only accurate and complete information to the credit bureaus. Since my payments were formally deferred under an agreement with XXXX XXXX, they were not actually due on the reported dates, meaning the late payment reporting is inaccurate. 

Additionally, under FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), once a consumer disputes inaccurate credit information, the furnisher must correct or delete any incomplete or false information within XXXX days. Since XXXX XXXX can not legally verify these late payments as accurate, I demand their immediate removal from my credit reports. 


Reporting them as late is a direct violation of FCRAs accuracy requirements ( 15 U.S.C. 1681s-2 ( a ) ). 

If they fail to properly investigate within XXXX  days, they are violating FCRA ( 15 U.S.C. 1681s-2 ( b ) ). 

In this case, I will escalate to the FTC and CFPB and take legal action for damages. 
Violation of the FDCPA XXXX XXXX Potential Misrepresentation Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ( 8 ) ), creditors and debt XXXXollectors can not falsely represent the character, amount, or legal status of a debt. By reporting deferred payments as late, XXXX XXXX has misrepresented the legal status of my debt, which is a clear FDCPA violation. 

Formal Demand for Immediate Deletion Since these late payments were not legally due at the time of reporting, they must be immediately deleted from all credit bureaus ( Equifax, Experian, and TransUnion ). If this matter is not resolved promptly, I will escalate my complaint to the Federal Trade Commission ( FTC ) and consider legal action for damages under the FCRA and FDCPA. 

Supporting Evidence Enclosed : XXXX XXXX Extension Agreement ( dated XX/XX/XXXX ), proving that the payments were deferred and not late. 
A copy of my credit report reflecting the incorrect late payment notations. 
Any additional correspondence with XXXX XXXX regarding the deferral. 
I expect a written response confirming the deletion of these late payment marks within the legally mandated timeframe of 30 days, as required under FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 

Failure to comply will result in further action, including an FTC complaint and legal action for damages. 

Thank you for your prompt attention to this matter. I look forward to a resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

UPromise XXXX serviced by Barclaycards : The telephone access system requires a SSN and zip code to be entered via keypad in order to access account information, including transactions and payments. No pin is required. My ex-husband knows my SSN and zip code and was able to access my account information each month. I requested a telephone pin be set up, but they would only offer a verbal pin and not XXXX for the keypad. As a result, my information was compromised and illegally accessed.
Product: Vehicle loan or lease

On XXXX. XXXX, XXXX, I opened an account with GM Financial for a car loan. The payments became past due and I received a notice from a representative that the account was placed for repossession on XX/XX/XXXX. GM Financial violated federal law by repossessing and selling the vehicle associated with this account. GM financial also violated additional federal laws detailed in the attached letter. 

Since that date, GM Financial sold the vehicle. I did not receive the following : Notice of Default and Right of Redemption/Right of Reinstatement ; Notice of Sale GM Financial has violated several of my consumer rights since the inception of this consumer transaction. Right of Rescission Notice was never provided to me and the company used deceptive practices to enter into a consumer transaction.
Product: Checking or savings account

PNC purchased the bank I had an account with. 

After reviewing several consumer complaints against PNC, and experience egregiously long hold items and poor communications from PNC, I closed my account and transferred 100 % of the funds to the XXXX XXXX XXXX XXXX several months ago. 

Any fees charged for closing or for a closed account are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to XXXX regarding a credit inquiry added to my credit report XX/XX/2019. I reported the application as fraud. I requested that the inquire be removed as the inquiry was fraudulent. The request was granted but it still remains on my Transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXXT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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

Affirm, based on XXXX XXXX, has a savings account that I've put a lot of money in, and there's a glitch in their system that they say they CAN NOT fix! It's linking my bank acct. all of a sudden - it happened for the XXXX time almost a month ago when I tried to get in to access MY MONEY to make a withdrawal and I could not do so. It shows my bank 's NOT linked! It always was - I was able tp make deps. & withdrawals. So I contacted their banking linking provider, XXXX, and they said they show at their end I'm connected - same with my own bank! But Affirm says there's a problem- duh! - with the link and it IS at their end, BUT they claim that part of the savings of Affirm is NOT under their control! So they've been telling me they're " trying '' to get it fixed so I can get access to MY OWN MONEY, but so far, there's been ABSOLUTELY XXXX progress! And I've told them they have effectively stolen and are fraudulently keeping MY money, not giving me any access to make a deposit OR a withdrawal! I'm soooo frustrated and I've been out of work for 6 months and DO need access to my own money!
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a account open in my name on XX/XX/2022 with a balance of {$290.00} that I did not authorize nor request to be open
Product: Vehicle loan or lease

They were supposed to remove. I went to Audi they said it was applied wrong and then when I sold them back card they didnt pay it off for 57 days. 

They said they would remove