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

Dear Amex Staff : Thank you for your reply to my previous claim XXXX about my historic and worldwide issue regarding my correct member status. But your actions regarding this issue do not reflect upon your company 's vision " Provide the worlds best customer experience every day. Nor also " WE DO WHAT'S RIGHT, Customers choose us because they trust our brand and people. We earn that trust by ensuring everything we do is reliable, consistent, and with the highest level of integrity.

As you previously noted, I am a member of American Express since 2000, and not just an XXXX member, because as previously noted, you define yourself as a Worldwide company, and your charter even says it clearly. 

I am not requesting American Express ( Worldwide, not XXXX, nor the United States where I live now ) to upgrade me to be a Centurion status member, because you already gave me that status more than a decade ago, but I am requesting to make things right and gave me back my status, you already invited me and I paid several thousand dollars yearly again, during more than a decade. You, Worldwide Amex even sent me gifts and an honorable mention after being a Centurion member for ten years, what is wrong, and disrespectful is to downgrade a member, so again, you say the following : " WE RESPECT PEOPLE, We are a diverse and inclusive company, and serve diverse customers. We believe we are a better company when each of us feels included, valued, and able to trust colleagues who respect each of us for who we are and what we contribute to our collective success and you can not ask me to address my concern to a country I left exactly because of lack of respect for human basic values, like for example, stealing vaccines during the pandemic increasing the death toll, you should answer following XXXX XXXX and XXXX XXXX, your founders, both Americans, you are accountable as a brand, or you say that in your core values. 

I am requesting you do what is right, I understand perfectly that you would want to do what is right, and you can not truly believe you can " downgrade '' a client, it is just unacceptable. 

I am attaching this time proof I am already a Centurion member ( although for some mistake on your part, you do not have records of it ), the same way you can not remove my degree, or any other honors I have from other Institutions like I think American Express is after more than two hundred years almost of being founded.

More than that, I am now established in the United States, and the core values of the country do not allow to " downgrade '' people, here you do not even say " former President '', you say, President, in my view, no one should, and American Express is doing this with me as a client and member since 2000 ( As you mentioned in your previous letter, so you acknowledge that even though in 2000 I was in XXXX, American Express knows anyway I was a member, and I was a Centurion member ). 

You will have now the information to know what I am saying, you already invited me and you already charged me for at least more than a decade a centurion membership, you should correct this and give me back my centurion status.
Product: Debt collection

J Jefferson Capital systems is reporting a a XXXX bill from XXXX. I do not have a XXXX account let alone a XXXX account from XXXX. When I disputed this on my credit report it came back as verified. They have no proof that I had a XXXX account in XXXX when I contacted them yet they are still reporting to the credit bureaus that I have an account with them for a XXXX phone from XXXX. 
JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXX 2025
Product: Debt collection

TRANSWORLD SYTEMS INC sent me a letter via USPS stating that their company is trying to collect debt of {$47.00} that they allege I owe to XXXX XXXX XXXX XXXX. I have no knowledge of this debt and have contacted XXXX XXXX XXXX  who has no knowledge of it either. 

Thanks for your assistance in this matter. 

XXXX XXXX
Product: Debt collection

My husband and I moved out of the XXXX XXXX apartment complex in XXXX, Colorado as of XX/XX/XXXX, rent having been paid through the end of the month and owing no money as per the lease agreement provided to us by them. On XX/XX/XXXX I get a credit alert that they have put in a claim to collections for {$630.00} with no supporting documentation or reasons as to why or how the debt is supposedly ours. 

We can supply a copy of the lease agreement showing that we owe nothing upon moving out and bank records showing that rent was paid for that entire month in full. The paperwork supplied clearly states that the checked box replaces the early move out provision and the amount is blank, meaning nothing is owed if a move is conducted before the lease is up. 

We tried to dispute this with XXXX, to no avail. We need this removed from our credit reports as we are trying to obtain a business loan to start a new venture. 

This is how it appears on XXXX : Company : National Credit System Address : XXXX XXXX  XXXX XXXX, XXXX, Georgia XXXX Phone : XXXX Alert Date : XX/XX/XXXX Balance {$630.00} XXXX XXXX 's contact information : XXXX XXXX XXXX XXXX XXXX, Colorado, XXXX XXXX
Product: Credit reporting or other personal consumer reports

" According to FCRA Section 605B, it is illegal to report anything on my credit report without my permission. Please remove these negative items thank u
Product: Credit card or prepaid card

1. XX/XX/XXXX - Charged XXXX on a Care Credit Care pushed to me by XXXX XXXX XXXX in XXXX, NJ. The card was suggested to me immediately upon my first diagnostic visit. 

2. XX/XX/XXXX - Terms of the card were explained to last 24 month, 0 % interest for a XXXX payment. 

3. XX/XX/XXXX - First close of billing cycle. Card 's due date was XX/XX/XXXX. XXXX 's payment amount was XXXX. Subsequent monthly payment amounts have kept changing online.They 're always lower than XXXX. 

4. XX/XX/XXXX- XX/XX/XXXX - Filed a complaint with Synchrony Bank. Felt I had been racially profiled. This card was not pushed to white patients. Also, the terms of the card were not fully explained. I have since moved out of state and my teeth still aren't fixed. 

5. XX/XX/XXXX- XX/XX/XXXX - Called the company several times. Told them I wanted to make a complaint. Was told I would be emailed and received no response. Complained via email again ( online at company site ) and was told that the company had ruled in the dentist 's favor. 

6. XX/XX/XXXX- Received a call from XXXX in XXXX XXXX Relations ( XXXX ) ( Extension : XXXX ). She told me she would review charges to see if I could be reimbursed for anything. 

XXXX. XX/XX/XXXX - Faxed XXXX appropriate documents at ( XXXX ). She told me I could not send scans via email. I have not received a response back as yet, but I am filing a complaint because I don't feel this company is going to help me.
Product: Mortgage

On XXXX XX/XX/2019, I sent a letter to Bank of America requesting my line of credit account be cancelled and closed. On XXXX XXXX, I received a bill from BofA with a new balance of {$15.00} due with no explanation. I called and was told I needed to pay BofA {$15.00} to close the account. I made the payment over the phone ( Confirmation # XXXX ) and was told it would be posted the next day and they would email me a letter showing the account closed. I did not receive the letter so I called them back on XXXX XXXX. I spoke with a supervisor, XXXX, who told me the account would not show as closed until the end of the billing cycle. She did say they could generate and email me a XXXX balance letter immediately. I asked for the letter and again gave BofA my email address. I did not receive a letter. 

I have started an addition on my house and XXXX XXXX found this open lein on my house when I went to finance the addition. Because the BofA account won't post as closed until the end of their billing cycle, XXXX. XXXX can not look up the account and see it as closed. 

Account closed letters are form letters generated by banks and can be generated at any time. I need the loan from XXXX. XXXX to pay the contractors working on my addition.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, In accordance with the Fair Credit Reporting act XXXX. Account # 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 or credit management

I have been in the debt relief process for about 8 months. My accounts are supposed to be negotiated within the XXXX month timeframe as they mention multiple times. They sometimes send a statement that just show my accounts are pending. I have put close to $ XXXX into an account that I have also ask to get the contact information so I can make sure my money is still there. I can not get any answers and now I have stopped paying my debt for the 8 months, at their direction, and credit is poor or worse. The money I have spent could have kept my accounts at least in decent standing. They have even offered " early graduation '' by providing a loan to pay off everything after 6 months and no word. I'm surprised my creditors haven't sent me to collections yet, or worse.
Product: Credit reporting or other personal consumer reports

Experian made numerous errors releasing my report. I went through proper channels to correct my report. Instead of doing the right thing and reporting my student loan paid in full, they took away my credit score entirely to damage me. My data was leaked in a security breach and I have proof. I have started and lead a class action against my bank who leaked our data and didn't tell us. I also used a security freeze to try to protect myself.
Product: Money transfer, virtual currency, or money service

I discover that my money was wired back in XX/XX/XXXX in the early XXXX, after I lost my job during the Covid disaster, and I report to the bank and citi bank said FDIC will not insure if I don't report within a month from XX/XX/XXXX. However, I use citibank as my backup saving bank for disaster when I lost a job, so I try to get my money to paid for tuition, and mortgage, and than I realize the {$20000.00} was wired by a fraud activity. I lost the job, and now people steal my money, and citibank deny my claim, and I never receive any monthly bank statement. and they said I should check online all the time. and I have dispute the claim, and they still said I should read the client policy, that I was notify to report the fraud with in a month, when I open the account, most of the time, when we open a bank account, they gave us more than 10 pages, and who will read all the policy, and that is why FDIC insurance for accident or incident like mine. so I wonder how to get my lost money back from Citi bank, and I have been on the phone with them back and forth more than 10 times, and their customer service is very bad and transferred me to wrong department.
Product: Payday loan, title loan, personal loan, or advance loan

Back in XXXX of XXXX had requested for my pay out to be issued to me via check n on numerous occasions I've emailed requesting my payout to be sent via check! After 90 days requesting my money on XX/XX/year>XXXX  they sent my money XXXX dollars to an account that I don't have now it's been 2 weeks now n still can't my money returned back to me I am being told to contact XXXX XXXX to retrieve but when I call the bank they say self credit builder has to request the funds back n I'm just getting the run around. All I want is my money that I was supposed to receive
Product: Credit card or prepaid card

I FOUND OUT I WAS A VICTIM OF IDENTITY THEFT AND I CONSTANTLY TRIED TO REPORT IT TO THE CLAIMS DEPT AND I WAS TREATED UNFAIRLY AS IF WHAT I REPORTED WAS FALSE I WAS ALSO TOLD THAT MY CASE WAS INVESTIGATED AND IT WAS NOT I DID FIND OUT THAT MY INFORMATION HAS BEEN USED IN ONE OTHER STATE AS WELL AS HERE IN MICHIGAN. JUST LIKE I TRIED TO TELL YOU BEFORE.
Product: Mortgage

I changed insurance companies for homeowners insurance from XXXX XXXX to XXXX and NewRez was notified. I see on my statement that they apparently paid the former insurance company and not the present company. That premium is overdue. I tried calling your toll free number but there is no way to reach a person. I have done at least XXXX chats in the past week and not heard back as of today. My NewRez loan # is XXXX, my XXXX policy number is XXXX, XXXX also called NewRez and fax 'd the premium due statement last week to your fax as listed on my NewRez account... it was due XX/XX/XXXX for {$860.00}. Also, my property tax statement was emailed to Shellpoint Mortgage Servicing and apparently that was not paid either, it was due this month without a penalty. They are holding my excrow account and are not responsive. 

It is extremely difficult dealing with NewRez and I want to speak to a human being to get this all straightened out but that is apparently not an option. 
I hope I will not have to resort to going to a public federal agency that regulates mortgage companies like the CFPB consumer financial protection bureau with my problem. I want also after this is straightened out to stop having excrow deductions and I will pay everything myself when it is due. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Representative from Oracle group, LLC called my work # ( XXXX XX/XX/18 ) - when he got my voicemail he called back and spoke with the receptionist and said he wanted me paged. She refused and gave him to my voicemail ( Said his name was XXXX ) I called back at XXXX XXXX  and spoke with Mr. XXXX and asked him to identify what company he was with which he then went into " There is an open investigation on you ''. At that point I told him not to call my work number and not to contact me as I will not be threatened. He then called my cell phone at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, from XXXX and XXXX XXXX, XXXX XXXX & XXXX XXXX  from XXXX. ( 8 times ) and also my work # ( after I said do not call it ) at XXXX XXXX. He started with a threat and ended with harassment. He did leave a message on my voicemail at work which I refused to listen to as I felt harassed.
Product: Credit card or prepaid card

A move was coordinated with XXXX XXXX XXXX XXXX XXXX  ( XXXX, MN ). The company didn't complete the move and I was reimbursed my credit charges by Chase ( XX/XX/XXXX ). After the company sent Chase fraudulent paperwork and an incomplete itemized, they then returned the charges back to my account and stated 'we can't control what the vendor does ' in XX/XX/XXXX even though they had returned the charged. They even received photos of items stored in other states due to the company not completing the hired move, unloading at the wrong location, and being completely inappropriate with my undergarments ( there's even a police report which Chase was aware of ) and the moving company claimed 'it must be one another load ' yet charged for a private one. I went into the XXXX XXXX XXXX location ( XX/XX/XXXX, XXXX ) and they refused to give me my paperwork ( over 6 months of stringing me along to file new information which was able to produce each time ) and stated 'this would be a needle in a haystack then recommended I sue them knowing an attorney would cost about the same as the XXXX owed form in complete services and any item that did arrive was damaged ; my bike even intentionally so. Chase then told me to stop interacting with company as 'they 'd make it right '. They have not and then used 'COVID ' as the excuse for not being able to meet anyone in person. I then went to a XXXX XXXX location and XXXX told me 'you look depressed ' and called customer service whom said they couldn't except my paperwork due to the evidence being 'photos ' yet they were happy to accept fraudulent paperwork from XXXX XXXX XXXX  XXXX XXXX to return the charges to my card which I explained at the XXXX location XXXX XXXX and XXXX. They then told me it was out of my hands and demand I need to make the trip to them again to resolve it. I've stopped there three times. XXXX then handed out my private phone number against my permission and refuses to coordinate check owed or provide the many, many documents Chase has received over the past year so I can file warranted civil suit.
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, 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

I received a call from this collection agency. The call was for " XXXX XXXX '' ( who does not live at this address ). I asked several times for the caller to identify the organization and provide a mailing address, but she did not do so. According to the Federal Trade Commission guidelines on debt collection practices, XXXX, debt collectors are required to give a mailing address and identify themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account that Ive had since XXXX. I originally started with a fresh start program in which you can graduate to a regular card after a period of 6-9 months. Due to unforeseen out of my control issues I fell behind in XXXX and XXXX of XXXX. I called XXXX immediately addressing my concern and giving heads-up about my account. Since then Ive had clean on time payment history. I sent a goodwill letter early last year to have to late fees removed as a goodwill courtesy. And they were removed or my payment history status on my Credit report for XXXX, TransUnion and XXXX. Or this changed on my report due to the age of the late payments. However, they are now back on my credit report. I shouldnt be held accountable for the late payments that occurred during the fresh start program. I would like XXXX to honor my goodwill letter and have the late payments removed from my credit report for TransUnion, XXXX, and XXXX in which I know they have the ability to do so. All in regards to me not having any issues for the past 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only that the last date active doesnt match between XXXX  and Equifax but also the payment history is wrong They are lying if they were getting this information from the same source they can be different., this companies are acting with a ruthless acting against me Nothing match and they still putting this information as accurate. 
So many ruthless actions but this credit Bureaus Im this complain I will show the different between both even in the payment history All the proof I sent and they still saying this is the information the furnisher gave us That is a lie.

How if this came from the furnisher nothing match between both reports of XXXX  and Equifax Im tired of this abused of this unfair act and ruthless actions but this credit bureaus
Product: Credit card or prepaid card

Found out recently that Discover Card has been charging me for payment Protection Services of which I have no recollection of authorizing. Came to my attention particularly since this year XX/XX/XXXX since apparently I have previously not kept a balance. 

I called in to dispute the charges and was able to successfully cancel this recurring charge and get them to back out the last charge for XX/XX/XXXX, but they refused to remove any previous charges. On XX/XX/XXXX I spoke with XXXX, then, XXXX, then XXXX, and finally Supervisor XXXX ( sp? ) to no avail. They were unable to provide me with any proof of my authorizing this recurring purchase. 

XX/XX/XXXX Charges XX/XX/XXXXXX/XX/XXXX8 DISCOVERPAYMENTPROTECTION XXXX XXXX {$8.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$9.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$70.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$73.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$72.00} XX/XX/XXXX XX/XX/XXXX DISCOVERPAYMENTPROTECTION XXXX {$69.00}