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

Hi. My credit card account was closed by American Express due to inactivity ( no fraud or any kind of illegal situation ) while I didn't receive any kind of notification or warning which was mentioned in https : //www.americanexpress.com/us/customer-service/faq.account-management.card-inactivity-action.html. I tried to contact Amex but was told that a letter mail was sent to me which firstly I didn't receive, apparently. The common way of Amex communication is through email or text message ( I opted in electronic statement ). While for such a big change, they chose to use paper letter to communicate which still I didn't receive. I feel that they did it intentionally. 
I tried to intake my account with three attempts. At first, I tried to call them like early this year since one day when I randomly logged in app I figured out my account was cancelled. I was told that if I file a claim, I can get my account back without telling me there's a time limit about it. Second time, when I called, I was told that it's been too long since the account was canceled. I was just being kind to rest the case until recently I figured out many people like me had the similar situation where the account was closed without any notice. Today I called again to restate my case but still got the same answer for the cancellation being too long time ago.
Product: Debt collection

I moved from my apt in XXXX XXXX. I called Comed to cancel service to what they told me to wait for my final bill which never came. I have not received any bills and once i finally received that letter in the mail ( 2 days ago ) it said I had 30 days to dispute the validity of the debt ( needless to say I had no idea Comed sent me to collections until I got the letter and saw in my credit report ) I tried to settle and explained to both collection agency and comed that I will pay for the bill but I didnt pay an XXXX bill because I simply never received it. I do not know why I also explained I live in a rental property so the landlord might have taken the mail, I got ONE letter no phone calls no voicemails nothing and now I am trying to settle, pay them the XXXX bucks but they refuse to remove the debt from collections they were despreciative both credit collection and comed only because I am a XXXX woman with an accent they are XXXX and have no compassion please help me.
Product: Debt collection

On XX/XX/XXXX I reviewed my annual report and saw THREE ( 3 )  items sent to collections by XXXX XXXX. XX/XX/XXXX {$49.00} XX/XX/XXXX {$87.00} XX/XX/XXXX {$170.00} I am someone who checks my FICO every month and reviews my credit report EVERY year and this has never showed up on my reports. 

I NEVER RECEIVED NOTICE OF THIS though they claim to have sent me 5 invoices. NEVER DID I RECEIVE A PHONE CALL to try and collect this payment. I have visited their facilities many times and NEVER WAS I NOTIFIED about an outstanding balance. 

HAD I KNOWN about this, it could have been avoided. 

Aside from this, THE DEBT COLLECTOR HAS NEVER CONTACTED ME TO TRY AND COLLECT THE DEBT!. I had to call them XX/XX/XXXX at XXXX PT to find out I owed money, only because I happened to see it on my report that same day. 

I have filed a dispute through XXXX and am waiting to hear back.
Product: Credit card

After being a ontime, properly handled credit card account, I reached out to Citi Bestbuy Account to set up either lower APR, lower monthly payment or skip a payment.

Citi Bestbuy did not provide any real assistance and gave too many varying answers.
Product: Student loan

Have some student loans by XXXX now Navient they did did the transformation doing the time I was in a chapterXXXX bankruptcy and it being converted to a XXXX Navient continue to call me wanting me to set up a payment plan and give them my checking account information no way they continue to harness me and now I am getting letters and calls from XXXX requested the same thing set up a payment plan or get garnish was n't told how much my loans was and was n't willing to. Make a deal on the payments or how much they needed up front
Product: Money transfer, virtual currency, or money service

I received a claim code for money that had been held up in the XXXX XXXX case. I contacted Venmo and followed the claim procedure. Their customer service department never responded in a timely manner ( they always said 1-2 days ) and now it has been 2 weeks with no response the last few days. I am completely frustrated.
Product: Debt collection

To Whom It May Concern ; The following credit Bureaus were negligent to remove a derogatory account '' Experian, XXXX and XXXX ; which is XXXX account # XXXX in which I have disputed on several occasions ; these bureaus were unable to provide me with original documentation with my signatures.
Product: Credit card or prepaid card

My mom died in XXXX. I recently discovered the XXXX website, and sent a request for them to stop sending offers for credit cards. I sent this in XX/XX/XXXX. The cards have dropped off dramatically but I'm still getting offers from Capital One Business for my mom.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy According to the 15 u.s.c 1681 section 602 states I have the rights 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 15 U.S.C 1692C These addresses do not belong on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting or other personal consumer reports

I'm contacting you regarding false personal information linked to my identity. Accounts and transactions I neither know about nor authorized have been wrongly attributed to me, causing me considerable anxiety. I've fallen victim to identity theft and have already reported this incident. This issue requires immediate attention, as it's negatively impacted my finances and reputation. I request your help in swiftly removing all fraudulent data from my credit report and thoroughly investigating this situation. I'm ready to provide any needed evidence and, if necessary, take legal steps to defend my rights and seek proper compensation. Your quick response to this pressing matter is greatly valued.
Product: Checking or savings account

I cashed and deposited a check from my employer of 20 years at Wells Fargo as I have every month for the past nine years. A week later I got an email from Wells Fargo saying the {$1500.00} had been removed from my account and the check was being returned to me. The only reason given was " Unusable Image. '' They also charged me a {$12.00} fee. After spending many hours on the phone with Wells Fargo they admitted it was their error and that the teller had " deposited the check upside down. '' They need new procedures where, rather than being automated, they call to talk to the customer first rather than kicking money I counted on out of my account before I had a chance to prepare for such a thing. They also owe me for the time I have wasted dealing with this nonsense. Supposedly they will return a copy of the check and then I have to go back to the bank and re-cash the check. Or something. I have gotten multiple different stories on what to do next.
Product: Credit card

I received a call ( phone message ) from Chase 's fraud unit informing me that someone had applied for a Chase XXXX credit card and that I should call to verify. I became concerned, because I HAD N'T APPLIED for any such card. 
I called my credit protection service, XXXX and they advised me to put a fraud alert on my account, which I did. 
When I called Chase back, they told me that they had ISSUED the credit card. I was livid to think that they would proceed WITHOUT my confirmation. They did not apologize, except to cancel the card. Nor did they agree to file my complaint about their system to their corporate headquarters. I DO NOT have any connection to Chase ... no bank account, no credit or debit card, no loan. 
Since then I received a letter from XXXX informing me that the credit alert was registered and also that I was entitled to a copy of the fraudulent application details. So I called Chase and they informed me that I had to send a written request to them with all kinds of documentation, including police reports etc. 
I can not comprehend WHY I need to supply this information WHEN it was CHASE who initiated the inquiry and therefore I do not have any documentation except what I 've received from them. A letter, which I attached arrived a few days after their phone call message. 
This aspect of fraud protection is NOT adequate and obviously Chase is inept and negligent in protecting its customers. 
I am grateful for your willingness to establish accountability for corporate policy and look forward to your reply.
Product: Debt collection

The following list of attorneys of The Gurstel Law Firm PC continue to harass me with letters and sending strangers to my private property, I have informed this law firm to cease communication but they continue to use false and misleading information in attempts to collect an alleged debt from me. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I am telling you again for the second time to Cease all communication from me. I am a well informed consumer and I know my rights and I know the federal laws of the Fair Debt Collection Practices Act, which you all have continued to violate with your ongoing of false and misleading actions. I have attached four exhibits of proof violations of the Fair Debt Collection Practices Act. This is just a small portion of misconduct that has taken place towards me. I am aware that it is false and misleading for attorneys to collect a debt.
Product: Checking or savings account

I opened the account on XX/XX/XXXX at Truist Bank and try to deposit the check through App on XX/XX/XXXX at business hour around XXXX XXXX. I have got an email from Truist Bank said thay are going to hold my check until XX/XX/XXXX with verification of check which is XXXX XXXX XXXX check for {$1600.00} which I can cash out from XXXX XXXX right away. There was no information to hold the check when I open the bank account and there is not an policy indicate this incident. Also, App didn't indicate this issue when I do mobile deposit. Normally, what i know is normal check is cleared with in a business day with other banks and I deposit the check as usual. 
I contacted bank customer service and asked them why it is hold but they said they don't know exactly why it is hold and just say it is because of verification. They are holding the money without reason for over 10 days with no interest. Also, they mentioned that if any payment come and hit my account and over draft the amount, that is going to be my fault and they will charge me the over draft fees because they are holding my fund. I have money but they are blocked my fund to use it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized and fraudulent inquiries listed on my credit report. Despite my repeated correspondence with your bureau and the submission of an FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions involved and providing comprehensive documentation to support my claims. However, your bureau has not yet resolved this matter to my satisfaction. 
I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes me significant distress and potential financial harm. 
The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX XXXXXXXX XXXX account ( Account XXXX XXXX XXXX ). These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for this account are inaccurate. Specifically, the reports indicate late payments for the following months : XXXX and Experian : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
XXXX : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
My payment history shows no record of late payments, as I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : These discrepancies violate 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy of the information in consumer reports. 
Under 15 U.S. Code 1681i, credit bureaus must conduct a reasonable reinvestigation of disputed information.

Additionally, 15 U.S. Code 1681s-2 mandates furnishers of information to provide accurate data to credit bureaus. 
Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts. 
Account Information : High Balance : {$430.00} Date of Last Activity : XX/XX/year> Balance Owed : {$39.00} Payment Amount : {$49.00} Credit Limit : {$3700.00} Requested Resolution : I request : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i. 
Provide detailed information and evidence supporting the reported late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year>. If no evidence can be provided, I demand that the inaccurate entries be removed from my credit file. 
Correct all discrepancies to ensure my credit file accurately reflects my 100 % on-time payment history. 
Provide written confirmation of these corrections within 30 days of receipt of this letter. 
Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ). 
Thank you for your immediate attention to this matter. 

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

Experian provided a response to complaint XXXX which states " Please note that a re-investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you. If you have any additional supporting new documentation regarding the disputed information, you may forward that to Experian for further review. If you disagree with the results of the re-investigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. " On XXXX XX/XX/2020 I attempted to dispute several inaccuracies. The system prevented me from doing such claiming that because I had previously filed disputes for the items before that I would not be able to dispute the same items without " documentation. '' For example, one ( 1 ) item Experian is claiming that results of a prior dispute conducted in XX/XX/2020 prevents subsequent disputes of information for the same account/tradeline without documentation. That is they are preventing dispute of information such as payment history for months beyond XX/XX/2020, claiming that the data furnisher provided automated information through the eOSCAR system. This logic is flawed as credit files are not static and have been historically prone to error. 

Experian only provides a limited set of the dispute reasons to select from. If it is not prefilled, indviduals are required to dispute using " other. '' What Experian is providing prefilled dispute reasons for items that may be verified and validated using automated reporting through eOSCAR and forcing non-prefilled reasons to be marked as other. This " other reason '' is how they are forcing individuals to provide " documentation. They are intentionally slowing down the ability for consumers to dispute inaccurate information if it requires them to actually review information. The set of " other reasons '' is infinite. So, again, they are intentionally abridging the right of notice and opportunity to be heard to mitigate an " undue burden '' on their organization. That smells of a due process violation under the FCRA. 

So, while congress and the CRAs outline provisions to check credit reports weekly during the pandemic, Experian is preventing exercise of those provisions or the provisions outlined under the FCRA prior to the pandemic. They are effectively abridging my due process rights to dispute information and insisting that there is a causal connection between the results of a dispute from prior months and the accuracy for any subsequent information disputed if it can not be verified through their prefilled automated eOSCAR reporting.
Product: Payday loan, title loan, personal loan, or advance loan

This in regards to financing I took out with Service Finance Company , LLC. On XX/XX/XXXX I sent a check for the balance of the loan, {$7600.00}. On XX/XX/XXXX I received notice from my bank the check had been cashed. ON XX/XX/XXXX I received a debt collection notice stating my account was 31 days past due and that I owed {$450.00} by XX/XX/XXXX. I immediately called and was transferred to a person named XXXX who explained I still owned approx. {$350.00} because of interest. I curtly informed him that was not true as my check was in the mail on XX/XX/XXXX. He said he would see what he could do. After a few minutes, he came back and let me know that they would forgo the {$350.00} and I would just have to pay a late fee of {$10.00}. I very directly refused to pay them a XXXX more and told them I know what they are doing and demanded them send me a receipt that shows this loan payed in full. I also told them I will be filing a complaint with the CFBP and if I threatened legal action if I receive any more debt notices or if any late fees or collection shows up on my credit report.
Product: Mortgage

The problem is that we payed your taxes and Vanderbilt Mortgage claimed that they payed and are trying to get money back from us that we don't owe them.

We have proof that we payed and sent them copies of the proof and they still are trying to get money from us by increasing my monthly payment to them.They have increased my payment from {$570.00} to {$640.00} per month. And you know what they haven't showed me any proof that they have even paid anything as we have by giving them statements from County and City offices that affirm our compliance of our payments and have stated that they haven't received any other parties sending any money on our behalf. Plus the land is not in the contract /purchase agreement the we have. The land is mine bought and paid for by me.
Product: Money transfer, virtual currency, or money service

I did transfer with western union. Online status says delivered. Money was not received at destination. Did online communication with Agent. Agent said that he filed complaint. Agent did nothing. Three times same experience with agent online. I called WU again. Now there are saying here is new complain number. Basically, chat agents have been providing misleading information and keeping consumer complains asides. Hoping consumer issues will be resolved. 

Issues are not resolved.
Product: Mortgage

XXXX is owned by Windowrock. XXXX was assigned my mortgage in XXXX XXXX. XXXX is requiring that I pay {$400.00} per month in escrow and refuses to cancel my escrow account or even talk with me. My escrow per year is XXXX. My escrow account has {$3000.00} in it. I want a refund of my escrow account and to stop paying escrow. my account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, someone generated an inquiry on my credit report titled " EQUIFAX MORTGAGE SERVICE ''. This inquiry was NOT authorized by me and was done fraudulently! I contacted EQUIFAX and XXXX and advised them of the situation. They both stated that I needed to send in an FTC report along with a cover letter in order to get the inquiry removed. On XX/XX/2023 I sent them both a cover letter along with a FTC report. EQUIFAX has yet to remove the inquiry and its been well over 30 days. XXXX confirmed they received my documents but deemed them invalid because they did not have my signature or the date on them. I have attached the documents that Ive sent to them and it CLEARLY has my signature and the date.