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

I have been a loyal customer of American Express since XXXX. On XX/XX/XXXX, I was going over my transactions history and noticed a bunch of transactions that I didnt recognize. I immediately called American Express Serve Customer Service and informed of unauthorized use of my card. XX/XX/XXXX : I submitted a police report to the Police Department advising of fraudulent use of my card. XX/XX/XXXX : I have received an e-mail from the bank advising that my claim was declined based upon their investigation. I called back the Customer Service. This time, the Representative e-mailed me a Declaration of Fraud form that I completed and promptly returned to them. XX/XX/XXXX : I have received their e-mail, advising that my claim was declined based upon their investigation. I was really shocked to learn that American Express has determined that no error occurred and that transactions in question were authorized. I live in XXXX  Virginia. The majority of the fraudulent transactions were done in XXXX, FL. I have not been to XXXX, FL, or anywhere near Florida, in XXXX or XXXX of XXXX. I did not do the below transactions, and I did not authorize anyone to use my card. I included the all transactions, including date, amount and merchant name as an attachment. The same day I called their Customer Service. The conversation with the Representative on the phone did not go well. I asked the Representative to explain the reason why my claim was declined for the second time and why these fraudulent transactions are not eligible for a credit to my account. In response, I was told to check my e-mail. I explained that I have that email right in front of me and that it is still unclear to me why my claim was declined. However, I again was advised to check my email. Customers trust the bank with their money and in my honest opinion, are entitled to a simple explanation. I asked to speak with a manager. My request was ignored. I was told that the investigation was already closed and that I should check my email. I was then advised that I violated cardholder agreement and now my account is suspended and I no longer have any rights and privileges to use my card. I was told to check my email once again and at that point, the Representative ended the conversation and hung up. The Representative handled this conversation very unprofessionally, was rude and disrespectful. This is not a level of Customer Service a frustrated customer would expect. After that, I have sent a mail with detailed explanation of the situation. Still, nothing in return. I have called many times once again, hoping to get my money back. Almost one year has past but all my attempts to get my stolen money back were unsuccessful.
Product: Credit reporting or other personal consumer reports

I work XXXX XXXX  and been there 14 years XXXX XXXX. While I was gone fulfilling my contract somebody has stole my identity none of the accounts on all three bureaus that earned in the negative not paid or really hurting my score they're not mine I wasn't even in the United States. I discussed with legal assistance and they have told me to disclose this is the last time I asked personally to please remove the stuff on all three of my bureaus that are negative. I've had no negative payments no loans that went bad no repossessions or problems with a rental property.
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 these account has violated my rights Account : XXXX XXXX Account : Credit Control XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This XXXX  entry has caused me significant financial and emotional hardship, severely impacting my ability to support myself and my family. I believe that this record has either been reported inaccurately or has remained on my credit report for a period longer than permitted by law. Additionally, I believe this matter has not been handled in compliance with the guidelines established by the Consumer Financial Protection Bureau ( CFPB ) and the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing this complaint after reaching out to the lenders to correct incorrect information on my credit reports. I also want to complain that these companies are not following the mandates as set by the Cares Act for fair reporting. The accounts in question are with XXXX Bank, XXXX ( XXXX ), and XXXX XXXX XXXX. These accounts have inaccurate information across all 3 major credit bureaus. Ive sent letters to the bureaus to dispute these inaccuracies as my right to do so as stated in 15 U.S.C section 1681 i ( a ). In addition, these accounts fell delinquent in 2020 during the COVID pandemic. Accommodations and communications were made with each of these lenders. All accounts are now paid as agreed but past delinquencies are still reported on my consumer reporting. It is my understanding that according to Cares Act, if accommodations have been made and accounts are current. All delinquencies from XX/XX/2020 should be reported as current. My resolution is that all these delinquencies be removed from these accounts that fit this criteria. 

The file attached comes from the Experian website about credit Reporting under the Cares Act
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely XXXX and blocked from my credit file 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: Mortgage

I worked with Wells Fargo to obtain a jumbo non conforming mortgage for my new house at XXXX XXXX XXXX, XXXX XXXX NJ XXXX. I was told if I brought over assets in excess of {>= $1,000,000} I would receive a 0.50 % discount on my rate. I repeatedly asked if it was ok to use part of this as the down payment and was told that I would receive the full bonus as long as I moved the money first which I did. However, at closing I was told that I was only eligible for a 0.375 % discount on my mortgage rate even though I moved over in excess of {>= $1,000,000}. The whole process was misleading and inaccurate and I would have left my money elsewhere instead of taking the time and effort to consolidate multiple accounts to get over the {>= $1,000,000} mark and receive the full 0.50 % relationship discount.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my equifax credit report on XXXX, XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( eXb ).

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX CARD - XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violation : Incorrect balances being reported. High balance reported inaccurately by XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Cease and Desist Demand Regarding Alleged Debt To Whom It May Concern, I am writing to formally demand that Midland Credit Management immediately cease all communications with me regarding the alleged debt referenced under account number XXXX, which you have been attempting to collect. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby notify you that I do not wish to be contacted further regarding this matter. This includes, but is not limited to, phone calls, emails, text messages, letters, or any other forms of communication. 
Additionally, I request that you provide written confirmation verifying that you have ceased all collection efforts and that no further actions will be taken against me concerning this alleged debt. If you believe that this debt is valid, I request detailed validation, including : XXXX. The name and address of the original creditor. 
XXXX. A full itemization of the alleged debt, including principal, interest, fees, and any other charges. 
XXXX. Copies of any documents showing that I am legally obligated to pay this debt. 
Failure to comply with this cease-and-desist request may result in my taking further legal action to enforce my rights under federal and state law. Be advised that harassment, intimidation, or noncompliance with this demand will be documented and reported to the Federal Trade Commission ( FTC ) and my state Attorney Generals office for review. 
This letter is being sent via certified mail with a return receipt requested for documentation purposes. I expect your prompt and full compliance. Should you fail to adhere to this request, I am prepared to pursue any and all remedies available to me under the law. 

Thank you for your attention to this matter. I look forward to your confirmation of compliance within the next [ reasonable timeframe, e.g., XXXX business days ]. 

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

The information on my credit report is incorrect the accounts were not authorize with my permission. 

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 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 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 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 reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law.. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX, XXXX, and Equifax for their failure to properly address and correct inaccuracies on my credit report. Despite multiple attempts to resolve this matter, the incorrect information remains, and the previous complaint has been closed without any meaningful resolution. 

These credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by not ensuring the maximum possible accuracy of my credit report as required under Section 1681e ( b ). Additionally, they have failed to initiate a proper reinvestigation of the disputed information, as mandated by Section 1681i, and have not corrected the errors, violating Section 1681i ( a ) ( 1 ) ( A ). 

The continued presence of inaccurate information on my credit report is adversely affecting my credit profile. Despite my repeated requests for validation and correction, these inaccuracies persist, indicating a failure to follow proper procedures for dispute resolution. 

I request that immediate action be taken to investigate this issue and correct my credit report in compliance with the FCRA.
Product: Credit card or prepaid card

Citibank is charging me a " RETURN CHECK '' fee of {$25.00} for an automatic payment that was rejected by my primary bank. 

I have accepted the late payment fee of {$30.00}, which is in itself outrageous, but I refuse to pay the Return Check fee for a check that was never sent to my primary bank in the fist place. When I called Citibank and ask for a copy of the check in question they refused to send it to me and the representative also refused to give me their legal department 's contact information. Banks no longer send checks to each other, this is a rip off and should be ILLEGAL. 

Citibank is a company with a long history of deceptive practices and, after paying millions to customers in refunds, they continue to scam and rip off its customers to this day. 

Back in 2015 the CFPB ordered Citibank , N.A . and some of its subsidiaries to refund nearly {$700.00} million to customers for unfairly billing consumers for credit card add-on products, deceptively marketing those products, and deceptive collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you 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 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated me federally protective consumer rights, rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX XXXX  Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 i 5 They are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) In general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are supposed to no furnish any information relating to the consumer to any consumer reporting agency if the person knows
Product: Debt collection

Cavalry SPV, LLC is the debt collector who keeps contacting me by phone, harassing calls and have reported this unverified to debt to all three credit bureaus. I have asked them several times to validate this debt per XXXX XXXX XXXX XXXX ( b ) of the FDCPA guidelines and they have yet to do so. This collection has caused me to endure denial of credit, lowering my fico score and causes defamation of my character. Cavalry sent my billing statements from XXXX XXXX and some redacted XXXX post early out flow sheet which doesnt validate this debt as l have requested on XXXX see attached letter sent and in their response dated XXXX
Product: Credit card or prepaid card

Background with original merchant ( XXXX XXXX XXXX ) : I ordered {$630.00} worth of items from XXXX XXXX XXXX ( the website no longer works now ... ) back in XX/XX/XXXX with an original time window to receive the items by end of XXXX. According to their website, they then delayed the goods until end of XXXX. I reached out on XX/XX/XXXX where they said items would be shipped early XXXX - this would be the last time I would receive any communication from the company. On XX/XX/XXXX, I requested an update on the order status, and on XX/XX/XXXX after a 72 hour window in accordance to their company policy, I officially requested a refund from the company. 

Credit card chargeback process with Citibank : On XX/XX/XXXX I initiated a credit card chargeback through Citibank 's portal, and supplied all relevant info towards the non-delivery of goods. This includes the original receipts, screenshots of their website, original timelines & delays, official communication from their customer service department ( and subsequent failures to respond ) including a refund request per the merchant 's policy listed on their website. On XX/XX/XXXX I received communication that the investigation has been closed, despite the Merchant responding with insufficient evidence to say they have provided any service for the charge. I have not received any goods, and their information they provided only lists the credit card charge details and address for delivery without any receipts or tracking numbers showing goods have been delivered or are in transit. I have provided all my details and have to appeal the decision to close the investigation despite all information provided working in my favor. As of XX/XX/XXXX the charge still exists on my card.