23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Debt or credit management

Experian, reporting inaccurate information address late payments charge offs This is a direct violation of my credit report
Product: Debt collection

I am writing to dispute present/previous account status/ payment history profile/ payment rating. Also, the inaccurate and unlawful information that you have furnished onto my consumer report does not only meets FCRA compliance standards it also violates my consumer rights as stated below in 15 U.S. Code 1681a ( 2 ) Exclusions. Your unlawful practice by furnishing transactional and inaccurate information onto my consumer report has led to my demand of immediate REMOVAL from XXXX, XXXX, and XXXX also all secondary consumer agencys The illegal furnished account stated above has inaccurate information and LATE PAYMENT INFORMATION ( which are transactions NOT debt ). Ive Attached documents as proof. 

Georgia Student Finance started receiving dispute letters from on XXXX for furnishing information I did not give a written consent to furnish. From XXXX XXXX oXXXX XXXX an ongoing Georgia Student finance has furnished inaccurate information also late payments which are not to be reported, this is another violation of my consumer rights. Late payments are to consider transactional, and transactions are not reported as stated with U.S. codes in my attachments. Georgia Student Finance has ignored this issue which has caused me mental anguish.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX fraudulently posted incorrect credit reporting to all 3 major  credit bureaus stating my XX/XX/2018 payment was late causing my credit score to drop 83 points! I have contacted XXXX ovet 20 times and they have assured me this issue has been resolved which it has not been. I have never been late on my mortgage payments. this is an error on their part which has caused a huge negative impact on my credit.
Product: Credit card or prepaid card

I have an American Express Platinum card. It's pricey, but I've been saving up for some international travel now that I'm retired ( I'm XXXX XXXX XXXX ). 

A few weeks ago, the XXXX site advertised on its main page an offer to receive a 20 % premium when transfering points to the XXXX program. I checked how many points Id need to book the award I wanted on XXXX XXXX, saw the flights had seats, and transferred the XXXX points from Amex to XXXX. 

I then signed on to the XXXX site - and got a website page saying that XXXX no longer existed, that its been absorbed by XXXX XXXX Executive club So I tried to book the trip ( XXXX  roundtrip XXXX business ) using the XXXX XXXX website XXXX but is was not possible to use XXXX points XXXX even using multiple alternative dates ) So then I tried using the XXXX XXXX website ( partner airline ) - also was not possible to use XXXX points XXXX even using multiple alternative dates ) Only 10 minutes had elapsed. So I called Amex, said I couldnt use the points, wanted them transferred back to Amex- and was told its impossible, all transfers are final. 

Amex advised me to call XXXX XXXX Executive since the points were now in their system. I phoned XXXX XXXX and, after 90 minutes on hold, gave up. 

I called Amex, escalated my complaint to a supervisor- hey, you advertised this program and its worthless - was told by supervisor theyd escalate the issue and get back to me. They never did. 

I called Amex a week later and spent 2 hours on the phone with them. I got a lot of sympathy, got a supervisor who said theyd work on it - and theyve never gotten back to me. ( There should be a transcript of my chat session with the supervisor, but I've been unable to locate it on their website, despite their saying when I asked to print it out that it would " be easily accessible any time for the next year '' ) I wrote XXXX XXXX asking them to return my points - no response. 

Bottom line : I exchanged about {$2000.00} of Amex points for XXXX XXXX points which are useless. In effect Ive lost {$2000.00}. 

As you can imagine, Im very unhappy about this - and feeling helpless. This isnt exactly a scam - but its close to it. GIVEN THAT AMEX HAD ADVERTISED THE PROMOTION ON THEIR MAIN PAGE, I feel Amex has an obligation to cover this loss. 

Incidentally, when trying to use XXXX points on XXXX XXXX and XXXX, Ive gotten some Web pages which say we know there are problems with the system, were working on it, and hope to have it up and running by XX/XX/2023. That's very nice, but it won't help me for my planned trip in early XXXX since flights may be full by then. 

Id be very grateful for any suggestions or help you might be able to offer on this. Im out of ideas.
Product: Debt collection

Set up a payment plan with XXXX XXXX which they have started to receive payments and they still decided to report the collection to the credit bureaus, which also states I owe the full amount which would be INCORRECT if a payment plan was setup. They are double dipping at this point. They are reporting a loss of an amount to the IRS but also collecting that EXACT same amount from me via a payment plan. When I called the response was simply sorry. This is not acceptable.
Product: Prepaid card

I received the following e-mail below stating that American Express Serve will closing my investigation of Fraud claim that being taking {$71.00} I would like to request a investigation of the business and ensure it being work according to United States Federal Regulation all misconduct and mismanagement found all individuals be convicted according to United States Federal LawPull Down to RefreshUpdated XXXX agoCurrent Important E-MailYour Serve Account : We have completed our investigation of your disputeAmericanExpress Serve Correspondence to youXXXX XXXXShow DetailsServeAccount ending in XXXXHi XXXX XXXX, We received your recent inquiry about the following transaction : Transaction DetailsDateXX/XX/2015Amount $ XXXXFrom/ToPDF-FILLER XXXX - XXXX , XXXXWe have completed our review and have determined that no credit is due. The transaction will remain on your account because : We have not received the requested information. Based on the information available to us we are unable to verify your claim and have closed our investigationIf you would like to receive a copy of the documents that we used while making our decision, please contact us at XXXX. 

Thanks, The American Express Serve Team
Product: Mortgage

I filed a complaint a few months ago. I filed a complaint that my mortgage company did not pay my taxes in the escrow account. They did finally pay this tax, but one year later. They proceeded to charge my escrow account all the fees that were charged with paying the property tax a year late. My mortgage company Should have payed the extra fees because it was their error. I received a letter from them with a phone number that no one answered and I also called them and they would not help me. They simply said they paid the balence of the tax and charged my escrow and did not admit to any fault in paying the tax one year late and the XXXX of dollars that where extra fees from paying this late. Can you look into this again. I would like to get the fee money back and put into my escrow account or refunded to me and I want them to do this right this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well over a year ago I sent over 40 pages of documentation to each credit bureau Experian, XXXX, and XXXX. I have also previously filed a complaint with the CFPB. This information was from XXXX and contained police reports filed by me, an FTC identity theft report filed by me, and documents filed by my attorney in court. I still retain all of this information and copy of all is again provided to you here. 

I was a victim of severe identity theft of all assets during my divorce that began on XXXX XXXX XXXX valued at approximately XXXX XXXX dollars. Everything was stolen from me including all financial information, all money, all personal, marital, and inherited assets. 

On XX/XX/XXXX I was placed under a XXXX XXXX XXXX order by the court in XXXX XXXX NC and my husband was removed from our marital residence for XXXX year. Immediately after this court decision, my husband and the paramour engaged in an elaborate criminal scheme to steal all assets and use them for their own financial gain. 

Beginning XXXX XXXX XXXX I no longer had control or access to of any and all of my credit cards, bank accounts, account numbers, or passwords. I did not make any charges to these accounts after that date. My husband and the paramour had my social security number, my birth certificate, my drivers license, and my mothers maiden name. The paramour assumed my identity and pretended to be me, accessing all my credit card information, forwarding my mail, and using my accounts as her own. 

During XXXX, I also hired and paid approximately {$1200.00} to XXXX XXXX XXXX yet they too failed to take any action on my behalf. 

The persons responsible for all charges made on my accounts after XX/XX/XXXX were my x husband, XXXX XXXX XXXX of XXXX XXXX, NC, and the paramour XXXX XXXX XXXX of XXXX, VA. 

After sending all verification of proof of identity theft to all three credit bureaus they too also failed to verify the information. 


According to the law U.S. code 1681i. Procedure in case of disputed accuracy : if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Student loan

I currently owe on XXXX separate student loans totaling over {$100000.00} dollars. I would like to pay XXXX loan off at a time, so that more money can go to the principal. I think I would have more success actually paying them off. This is not available. I 'm told I must pay on all my loans simultaneously contributing about {$20.00} to the principal monthly and the rest goes to interest. This XXXX, my payments will increase to {$700.00} a month. I will have no choice but to defer my payments because I am also told they can not be any lower according to the payment plan. Eventually, my payments will grow {$1100.00} a month! I need help with a monthly payment that is affordable. I ca n't be in deferment forever, while the loans continue to collect interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on my credit profile, the inaccurate information in question is the addresses of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, mi XXXX, XXXX XXXX XXXX XXXX, mi XXXX, XXXX XXXX XXXX XXXX, mi XXXX. these address are not my address and I have never lived at any of or affiliated with any of these listed addresses. I have attach a copy of my Michigan state drivers license, with my correct address, and my social security card so that Experian can successfully identify me and know I authorized this claim. some of these address may be the result of identity theft, so I will also attach a copy of my identity theft report. the address on my state id is the only address that I recognize and is my correct address.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information reported by XXXX XXXX XXXX on my credit report. This matter is negatively affecting my credit score and, as such, violates the provisions of 15 U.S.C. 1666b, which outlines the timely posting of payments and proper credit reporting obligations. 

The inaccurate reporting indicates late payments that I believe to be erroneous. I am requesting an immediate investigation and removal of these inaccuracies under the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681i ( a ), I am entitled to a reinvestigation of disputed information. If the creditor can not provide concrete evidence and documentation proving that I was late, you must remove these inaccuracies from my report. 

Attached to this letter, you will find : 1. A copy of my credit report highlighting the disputed items.
Product: Consumer Loan

This is the attached letter sent to XXXX XXXX, Attorney for Anderson Financial DBA Loan Max. Loan Max did not clearly disclose to me and here is her reponse to me.. 

XX/XX/XXXX Anderson Financial Servicers Attn. Attorney XXXX XXXX On XX/XX/XXXX, per our phone conversation, I stated I would respond to you my position concerning your proposal. Your proposal for each vehicle you are proposing a {$75.00} payment per month beginning XX/XX/XXXX and ending XX/XX/XXXX, with a lump sum payment of {$970.00} on XX/XX/XXXX, for the XXXX. As you know there was a payment submitted XX/XX/XXXX of {$220.00}. This should have brought the principle amount to {$740.00}. Concerning the XXXX vehicle, you are requesting the same {$75.00} per month payment for the next three months with a full payment due {$1800.00} due XX/XX/XXXX. The original principle amount was {$1500.00}. 
As you know, in my complaint listed with the XXXX, there is not enough disclosure concerning the details of the loan. With that said, I would like to propose a monthly {$100.00} per month for the entire balance including interest for next 24 months. 
Please let me of your response. 

Truly Yours, XXXX XXXX XXXX Here is Attoney XXXX XXXX 's response. She is not willing to accept my latest proprosal which would be much more affordable to me. Instead she is making a demand that I accept her proprosal and issue a payment for both vehicles by XX/XX/XXXX. I need something that is more affordable than what she is proposing. 
Dear XXXX XXXX, The company operates in strict compliance with state and federal laws and has committed no wrongdoing. The terms, conditions and cost of the loans were fully explained to you by the company 's personnel, as well as on the loan documents in compliance with the Federal Truth in Lending Act. Based on the monthly income and expense information that you entered on your applications, the loans ' schedule monthly payments were within your ability to repay. At no time did you indicate that you were confused or did not understand the terms of your loans. 

On XX/XX/XXXX, you borrowed {$1000.00} using your XXXX XXXX as collateral for the loan and to date, have submitted one payment of {$260.00}. Also, on XX/XX/XXXX, you borrowed {$1500.00} using his XXXX XXXX as collateral for the loan and to date, have not submitted any payments. Despite your contentions, the company has made every effort to work with you ; however, he have been uncooperative. 

Notwithstanding the above, the company is a consumer focused lender and is always willing to attempt to work with customers as opposed to repossessing a vehicle. Thus, in a good faith effort to assist you, the company is willing to settle your accounts for reduced rates as set forth in the attached agreements. If you are interested, you will need to sign both agreements and submit your first payments by XX/XX/XXXX. 

If you have any questions or concerns, please feel free to contact me. 

XXXX XXXX Assistant General Counsel Select Management Resources , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Tel : XXXX Fax : XXXX Cell : XXXX
Product: Debt collection

Delete from all credit reporting agencies, I have never signed a contract with this company.

This company sent an itemized list of charges and items that are not mine and I did not sign a contract with the company that is reporting that I owe them. 15 U.S. Code 1692c, also known as the Fair Debt Collection Practices Act ( FDCPA ), regulates how debt collectors can communicate with consumers about debt collection. The law states that debt collectors can only communicate with consumers if they have the consumer 's prior consent or a court order. Debt collectors can not communicate with consumers at inconvenient times or places, and they must stop communicating if the consumer requests in writing. Debt collectors also can not communicate with third parties without the consumer 's consent.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681c-2 - Block information resulting from Identity theft. Please remove the following account as it does not belong to me. 

Fraudulent Account XXXX XXXX XXXX XXXX Fraudulent inquiries XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/2023 )
Product: Checking or savings account

I XXXX XXXX tried to open an XXXX XXXX account recently. The banker told me I couldnt because I owe money to their bank! I told them I never had an bank account with them. He said he will check it I said ok he never called back! The bank account has my name but birthday is wrong everything is wrong I want it off my credit. Same thing with chase bank
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

First off, I read in the newspaper that I was being sued by a debt buyer that I had never heard of, then I had a court document delivered by local sheriff of a request for default judgment request. 

I had never received any letter from this debt buyer. I contacted the court and advised I had not received any letters and that I requested an actual hearing. 

The debt collector submitted a signed affidavit that said a letter was mailed via first class mail. No tracking info could be provided. 

I asked for proof of ability for them to sue me or ownership of the debt. They sent some papers that showed they bought a bunch of debt from XXXX XXXX. Nothing that showed me or any account directly associated with me. 

We appeared in court and the judge agreed the information provided was not supportive of showing any ownership, thus not granting the default judgment they requested. However, they continue to report this on my credit report after many attempts to have it removed. 

Secondly, the information they are reporting is inaccurate. I never obtained a loan directly from XXXX XXXX and the only loan I can possibly associate with it, is from XXXX and the account numbers are the same l, but the dates do not match. 

The debt buyers date is listed as after the possible loan.
Product: Credit reporting or other personal consumer reports

I have attempted to have XXXX, Equifax, XXXX and XXXX to verify accounts listed on my credit report but intead they sent me a computer letter stating they believe is not me disputing accuracy of those accounts. I demand them to verify and proof how they verify accounts on my credit reportbut they have failed or have ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report.
Product: Credit card or prepaid card

I purchased a XXXX XXXX Security Camera On XXXX  on XX/XX/2020 from a XXXX XXXX through XXXX using a American Express credit card. Upon placing the order, the merchandise said it was delivered within one minute of placing and a tracking number was issued with USPS. The tracking never updated and suddenly a week and a half later, it said it was delivered at XXXX, the mail doesn't come at that hour at all. I went to go check the mail and there was no package there. I waited a few days because maybe it was late as XXXX told me to and it never arrived. I contacted the merchant and asked about the tracking and what it said but the merchant never responded to any messages. I also have the documents showing that the merchant ignored my messages. I contacted XXXX and they also ignored me and spent months investigating with an outcome that it was delivered. I contacted USPS and they opened an investigation and said they had no record of any package. I also have all the documents showing this. I started a dispute with American Express and I submitted all the evidence to them and they continue to try to bill me for the amount of {$170.00} even though I never received the camera. They continue to side with a merchant who ignores my messages, deleted their XXXX account and is trying to scam me into paying something I never received. This is the 4th time I am disputing with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the change in the New York Statute of Limitations bill signed by XXXX. XXXX XXXX into legislation in XX/XX/2021 as a provision of the Consumer Credit Fairness Act which states the statute of limitations of been cut to three years from date of last activity.