23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, XXXX, I submitted a bill payment using my American Express Bluebird account to my daughters ' XXXX. According to American Express Bluebird, the check was cleared on XXXX XXXX, XXXX. However, after speaking to the payee ( the XXXX ) in late XXXX, I was informed that she never received the check. She verified with her bank records and no deposit in that amount was ever made. We believe the payment check was stolen from her mailbox and deposited fraudulently. I subsequently contacted American Express to file a payment dispute on XXXX XXXX, XXXX, which was denied 24 hours later. I contacted American Express again to inquire why the claim was denied, and the customer service team could not provide a reason but told me that I would be receiving documentation regarding the dispute in the mail. More than ten business days elapsed with no documentation having been received in the mail. I subsequently contacted American Express Bluebird again, and they said they would send me the dispute documentation in the mail immediately. It is now XXXX XXXX, XXXX, and I still have not received any documentation regarding the investigation.
Product: Debt collection

i am very saddened that someone stole my identity and used it to open several accounts
Product: Student loan

On X/XX/2017 I contacted my Federal Student Loan service provider, NELNET. I was attempting to obtain an amortization schedule. An amortization schedule is not available via their website and my Mortgage lender was requesting one. No one at NELNET was able to provide one. I spoke with XXXX XXXX at one of the east coast service center and she stated that she would not provide one even though they had them for their internal records. They advise that since they change my payment at anytime with a 30 day warning that the amortization schedule was not allowed to be released to me. As borrower I should be able to have this documentation for my records yet they refused to provide anything that could not be printed off their website.
Product: Credit card or prepaid card

I made a payment thru XXXX XXXX  on my power bill. The money is gone out of my account but I was told the payment failed. When I call chime bank they say the money was paid. Now my bill is not paid and Chime or XXXX XXXX will do anything about it.
Product: Credit card

On XX/XX/XXXX, I used my Capital One credit card to book a XXXX stay at a hotel through Capital One Travel . The payment was successful, and I received a confirmation number. The hotel group also confirmed the reservation. However, today, XX/XX/XXXX, I received an email from Capital One stating that they have canceled my booking because they deemed the hotel price too low. The booking number from Capital One Travel is XXXX, and the Hotel Confirmation number is XXXX. This cancellation has caused significant inconvenience for my travel plans. I requested them to rebook for me, but they refused. I am seeking compensation of around {$500.00} to be credited to my Capital One Travel account to cover part of the price difference for rebooking the hotel. Please contact me via email to discuss further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 inquiries on my credit report that I m not familiar with, From 1. XXXX/XXXX 2. XXXX XXXX 3 XXXX 4. XXXX/XXXX XXXX XXXX XXXX These credit inquires are on my report and I have no idea where they came from, They are fraudulent and would like to have them removed immediately.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX - XXXX - {$8900.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this alleged and erroneous account currently being reported by the credit bureaus for XXXX XXXX XXXX. This isnt my first time disputing this alleged account and the time previously it has come back verified with no proof or no notification of what method of verification was used. Also the account shows inaccurate information. The spelling on this account is XXXX XXXX. My name is XXXX XXXX As per the FCRA Section. 609 and/or Section 681 the information on my consumer report must be 100 % accurate. As the misspelling of my name on this alleged account created by XXXX  is incorrect and is being furnished to the credit bureaus ( all three ) is causing a negative impact on my reputation. Also the invasion of my personal and private affairs by XXXX XXXX XXXX seems to be a violation of consumer rights as well.
Product: Credit card or prepaid card

I called american express in XX/XX/2021 to cancel my XXXX XXXX card before the {$95.00} renewal fee was due. The person at amex confirmed it was cancelled and there were no outstanding charges. Yet, in XXXX of 2021, i get a statement for {$95.00}. I call in American express again to say i cancelled my card already, so you need to confirm that and credit my account the {$95.00} as i do not owe it. I get a confirming email that its cancelled and wait for the credit to my account. But the credit is never made and says it is due in XXXX. I call amex again, they refuse to credit my account and say they will contact me with a decision after listening to the XXXX call. I get a call 3 days later and the representative is very hard to reach and leaves a voicemail saying they refuse to give me and answer as to my credit until they speak to me. So i still owe {$95.00} for a card i had cancelled. This is FRAUD, the {$95.00} charge is fraudulent and i need a credit to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account below was closed on XX/XX/2011 has a {$0.00} balance and has past the seven year SOL and should be removed from my credit report. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by State Farm. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I have late payments on an account that I was never late on. Consumer reporting agencies have taken on a vital role and have the responsibility to have consumer information as accurate as possible. I have never been late on these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and provide proof with statements documenting that these payments were late. If proof can not be provided I request that these payments be updated or the accounts be removed from my credit report. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Consumer Report View/Soft Inquiries of American Express reporting every three days starting XXXX a soft inquiry which have been constantly pulled on my credit profile. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, 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 without my written instructions
Product: Debt collection

Called multiple times couild not get a response. When after multiple attempts got a representative after leavjng a message. Asked to do a payment arrangement. Representative declined any offer and would only take payment in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Consumer and natural person am a victim of identity theft. XXXX, has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. This credit reporting agency also known as a financial institution has violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information to benefit for monetary returns. Equifax is in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which Equifax failed to do this. Equifax is in direct violation of 15 USC 1681b regarding permissible purposes of consumer reports, in which I have not authorized, signed or given any direct instruction for Equifax to report these inaccurate accounts on my consumer report. Their Wilfull noncompliance which is a direct violation of 15 USC 1681n has caused me actual damages. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. Equifax is in direct violation of the FCRA law 1681s-2 by not holding up to its duty when furnishing consumer reports. Equifax is in direct violation of numerous laws under the FCRA and is also in direct violation of the Gramm Leach Bliley Act of 1999.
Product: Bank account or service

I have a tenant that was evicted long story but back rent was ordered to be paid. Left in my mail box was check for XXXX Dollars in the tenants name but endorsed over to me. I was unsure if the check was real. on Wendsday XX/XX/XXXX I went to US Bank XXXX XXXX XXXX XXXX XXXX XXXX for help with this. The teller took a copy of the check and said they would get back to me, they bank never did. I deposited the check in the ATM it was returned. I called customer service who told me to contact branch manager. It took 3 calls ... my calls were never returned in reasonable time finally I called a third time getting a women bank manager.. I did forget to write her name but this was Friday XX/XX/XXXX at XXXX. She told me SHE would not take a third party check. I explained I had no way of contacting my ex tenents but the check was endorsed to me. She was very aloof and did not really seem interested in helping me. I do understand you have to have policies and rules but as my Bank for well over 25 years I feel you should be able to work with your customers and at times make exceptions if you value and want to keep customers or mabe as a huge Bank you do n't care. So I am a single mom XXXX to me is a lot I have no way of cashing this and MY BANK is not willing to help.I feel also that bank manager could use some sensitivity training as stated very aloof and not in my bank ... really her bank? I want the name of a person above her..I am sure it will not help but I strongly feel I should get help with this. Again I do get the policy but lets see if you can work with your long term ... 25 year customers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of inaccurate information from my credit report. I have attached a copy of my credit report. The disputed account in question is related to XXXX XXXX with an account number XXXX Under the Fair Credit Reporting Act ( FCRA ), it is mandated that credit reports be accurate and consistent. As of my review, the information reported by your agency is neither accurate nor consistent. The primary concern is the discrepancy in the " Last payment date '' for this account as reported by each of the three major credit bureaus : - Transunion : Last payment Date reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had three XXXX  accounts that were closed because someone had taken the Cards and used them fraudulent and made several payments on the account that were fraudulent. I continued to pay accounts off on time to a XXXX  balance and less then three years of the accounts being paid and closed all accounts and status were removed from all 3 credit reporting agencies. I also had the same issue with Discover Card removal from all of my credit reports
Product: Debt collection

I was not aware of this student loan company I only had loans with the department of education and XXXX and XXXX and have never heard from this company in XX/XX/XXXX my uncle said the sheriff delivered a letter to parents old home in XXXX ga I went to court and the judge told the the attorney that was representing this XXXX XXXX XXXX XXXX that they needed to provide proof of how they got my loan and how did they try to contact me before entering into judgement. They never did that in XX/XX/XXXX they filed papers again in XXXX county I went to court with them explained to the judge and he basically told them the same thing. It was a different attorney from the same firm and he was rude the attorney is XXXX and XXXX. They garnished my wages in XX/XX/XXXX while I working for XXXX XXXX as well and they have never produced any documents. On Friday the XXXX of XXXX I received a letter that they are garnishing my wages and they have never provided proof on how they acquired my loan. I was still in college until XX/XX/XXXX so I have never been giving a chance on any if I owe this people. They are stating I owe XXXX and the totally is XXXX I do not have any loans for that amount. I do not know what else to do I have file claims before with the CFPB on this company and nothing has been done, but I see a lawsuit is out on this company I am seeking assistance to get this garnishment stopped and my money returned to me.
Product: Vehicle loan or lease

Initially leases car for 3 years, at the end of lease decided to purchase around XXXX and was offered 6 % apr. After months of back and forth company stated no longer able to initiate car purchase via email/mail and had to go to an XXXX dealership that in turn said over 17 % apr around XXXX of XXXX with 1st payment due in XXXX of XXXX. I made a {$8000.00}. payment prior to XXXX due date to pay down principal. Around the end of XX/XX/XXXX received call from XXXX who offered a pandemic relief for 12 months, I accepted. In XXXX of XXXX I made another payment of $ XXXX payment towards the principal in anticipation of the the restart of loan. However, when I contacted Audi financial and was advised of around a XXXX balance payofff. The original amount of loan was around XXXX subtracting the amount to have been applied to principal the loan amount shall be around XXXX. I contacted Audi for clarification, Audi has applied all payments to the interest on loan nothing was applied to the principal.
Product: Debt collection

I was not aware of debt until XXXX 2016, when I ran my credit report then I learned couple of collection claims on my credit report I immediately contacted the bank ( Chase Bank ) and their collection company XXXX funding to provide me with the validity of XXXX collections claims and since I do n't have or utilized the credit or received any goods, monies and services of their claims, I requested them remove the validity of any such claims from my credit report.
Product: Credit card or prepaid card

In XXXX I qualified for Social Security XXXX benefits which were transferred to an account with a Direct Express prepaid card. I was incarcerated in AZ in XXXX and the SSI benefits continued to be transferred and were then later reported as an overdraft. Due to my incarcerated I never received these benefits or had access to them. During this time someone accessed my account and withdrew over {$3000.00} using my stolen Direct Express card. After being released Social Security sent an overpayment bill requesting repayment, when I accessed my account the money had been removed without my authorization. I reported the fraudulent activity with Direct Express, they denied my claim in XXXX, XXXX because I had not filed a police report. The website claims to are liable for this type of fraudulent activity, I included evidence and proof to Direct Express Consumer Complaint Department but this was all denied. Several attempts to contact consumer services have lead nowhere. Once I contact a service representative and verify who I am, I end up transferred or on hold for hours only to be transferred again. Most recently I called XX/XX/XXXX and remained on hold for over an hour and half. I was transferred to a completely different company ( go services ), transferred back again and told I was unable to verify because I did not know the phone number used to create this account ( 3 years ago while experiencing homelessness ) and told me there was no way to verify without this phone number. When I first attempted to report the fraud, Direct Express blocked me from the account and I have been unable to access it since. The company claims to repay money transferred fraudulently with a loss up to {$500.00}, however they refuse to acknowledge my reports. Currently, I am unable to repay my SSI because that money has been stolen and Direct Express refuses to help solve this claim dispute. The customer service have been completely unhelpful and I feel that they just do not want to repay this money that is rightfully mine.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no information about them, and they were conducted without my consent by the company.
Product: Mortgage

I changed accounts from which my driect debt was to be processed. XXXX processed the payment from my old account which caused an overdraft fee and a hit against me through XXXX. When I called them to rectify the problem I had to do the leg work to fix the issue. When asked to fix the problem with XXXX they did not believe me when I said that it would affect my credit.
Product: Credit reporting or other personal consumer reports

Today XX/XX/year> I contacted The Credit Reporting Agencies & Tried To Work With All 3 Credit Reporting Agencies To Remove Fraudulent & Incorrect Information on My Credit Profile. They Have Yet To Remove The Negative Items That Aren't Mine Due To Identity Theft.
Product: Student loan

I consolidated my federal loans in XX/XX/XXXX with XXXX XXXX/Navient with the sole purpose of qualifying for a loan forgiveness program. I even called and spoke to a rep about this in XX/XX/XXXX. 
Since XX/XX/XXXX, I thought that I was in a loan forgiveness program and always made payments on time.

In XX/XX/XXXX, I followed up with my provider, to inquire about how close I was to completing the program. At that time I was told that I had to be in a certain repayment plan to qualify for a forgiveness program. I was never informed of that- for years I have been making timely payments and my principle has not budged! It is literally the same amount it was when I graduated in XX/XX/XXXX! 
I am now in the PUBLIC SERVICE LOAN FORGIVENESS ( PSLF ) program which forgives loans after 10 years. I have always worked for a XXXX XXXX XXXX since graduating in XX/XX/XXXX. I should have received loan forgiveness by now.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXXXXXX Balance Owed : {$3100.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted a XXXX XXXX XXXX Representative after my husband passed away to update our mortgage information. At that time they told me that I could qualify for the Home Affordable Modification Program. ( HAMP ). I submitted all of the required documents including pursuant to their website check list including a copy of my husbands death certificate. I received a letter on XX/XX/2018 stating they would offer me an opportunity to enter into the FHA HAMP program. I had to contact Caliber in writing by XX/XX/2018. I sent all of the documentation on XX/XX/2018. In order to accept this offer I also had to make a payment by XX/XX/2019, however I made my first payment earlier than that on XX/XX/2018. I entered into this program, I followed all of their instructions including when to pay, and I was told I wouldnt have another payment for two months. However, I am on auto draft and they were suppose to take out my payment according to their new schedule. They didn't apply a payment to the correct date and now Im being reported late on my credit report. Late for XXXX and XXXX, 2018. These were the two months that I was entered into this program and was told I didnt have to make a payment. I would have paid the mortgage but I specifically followed the schedule they gave me according to the program rules. 

I have tried to work this out to no avail. Caliber Home Loans violated the FDCPA in numerous ways by employing false and/or misleading means to get me into this program. This violation is under 15U.S.C. & & 1692e ( 2 ) and ( 5 ). They are dangerously close to violating & 1692f by seeking payments not discussed in the HAMP agreement.

I have attached the letter that I was accepted into the program and I have also attached a detailed history of payment that supports this complaint. This incorrect reporting is harming my credit score.