23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a corporate credit card with American Express. My company decided to leave American Express and move their corporate account to XXXX, at the end of XX/XX/XXXX. I had a positive balance in my account, so I requested a refund, which I had to do through my company, as told to me by American Express. 3 months, XX/XX/XXXX, later I received a refund for around {$250.00}. The next month, XX/XX/XXXX, I get a statement for a bill say I owe exactly the amount of my refund. I call American Express, and I get told that there was a mistake made on their end, that the system shows XXXX checks were issued, and that they will simply cancel XXXX of them and everything is resolved. Next month I get a statement for the amount of the refund plus a late charge. I call again, they apologize and tell me everything is taken care of. They even assure me that it is, and that I wo n't be getting any more statements. Next month I get a statement, still owe the {$250.00}, plus a late charge, and now plus another late charge. I call again and get told it 's resolved, so sorry. Next month, another statement, and then another, and another, late charges added each time, the amount owed grows to {$500.00}. I call and try to get it resolved, but now they tell me the account is closed, been sent to a collection agency. Collections? For what? A mistake they made in their system as they have never sent any proof that XXXX checks were issued, and that XXXX checks were cashed, because that simply never happened. Now they send me a letter saying they will settle my account if I just pay the original {$250.00} plus a little, and not the whole {$500.00}, 14 months later. So I call them up, with the number provided, and they tell me they will open a dispute, but I say I want it resolved now, so I get to talk to the supervisor, who passes me along to card services, who sends me to corporate accounts, who sends me back to collections ( which appears to be in XXXX, not that that has anything to do with anything ). I wo n't hang up until I get to talk to the investigator in the dispute department, but they tell me they do n't have that number and they hang up on me. They have destroyed my credit rating, had collection agencies call me on a daily basis, at both my cell phone and office line, have passed me along to department and department. One time they even said the issue was with my company 's accounts payable department, and I should dispute it with them. I have never in my life been treated so poorly for a mistake not of my own doing.
Product: Credit reporting or other personal consumer reports

Experian is refusing to show my auto installment loan correctly gor upwards of 6 months. It shows the account inactive despite being paid every month and therefore robbing me of my experian XXXX credit I deserve for timely payment. I can not add the account and they have made no effort to correct it for 6 months including today. It is unfair for certain consumers to benefit from XXXX features and others not able to get credit for timely payment.
Product: Debt collection

To Whom It May Concern : This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the three major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for the suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletions request shall be sent to me immediately. I would also like to request in writing that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, CC : Federal Trade Commission XXXX XXXX XXXX, XXXX Washington, DC XXXX CC : XXXX XXXX, Florida Attorney General XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed an FTC report and my FTC REPORT # is : XXXX. Pursuant to 15 USC section 1681c-2 Block of Information resulting from Identity Theft ... XXXX and all sister affiliates corporations, XXXX and all sister affiliated corporations and Equifax and all affiliated sister corporations or XXXX XXXX XXXX XXXX XXXX XXXXXXXX must remove All inquiries, both hard and soft, off my CONSUMER REPORTS immediately. These fraudulent inquiries were not authorized, nor did I give consent or give permissable purpose to any of the furnishers. These consumer reporting agencies did not provide the method in which they claim has been verified. e-Oscar is an automated form of AI and it's a complete violation of my consumer privacy and has had a negative impact on my home buying process. They are non compliant with federal consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

The XXXX XXXX XXXX account ending in XXXX was on my credit report for years and the credit bureau 's ( XXXX , TransUnion , XXXX ) never validated the debts but allow them to report it to them an they put it on my report this is a violation of 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. This has hurt my ability to obtain credit. This is not the only account that is not validated but they say they are working on them but should have been verified before it was put on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute on XX/XX/22 online, which came back " validated '' I redisputed requesting a thorough investigation as the collection account was listed multiple times with different amounts. This was a violation of the FCRA. I received a letter from XXXX that the information of the XXXX should be removed due to reinvestigation or retention had expired. XXXX XXXX then re-added the collection account with a new charge off amount of {$1200.00}, with no additional certification provided to me as required by FCRA
Product: Credit card

Last month XX/XX/2025 into XX/XX/2025 Us bank credit card payment eas paid of XXXX for my monthly payment they took XXXX and told me three diffrent answers on when I would get my money back as they stole an extra XXXX from me. I state this as I was on recording paying on the automated system XXXX. Aftwr three diffrent answers on when I would get my XXXX back I called my back and they pulled all the XXXX back as it was not authorized for that amount but for the XXXX! Now they are saying my amount went from just under XXXX to XXXX. They sent me a letter in the mail dated for XXXX this was after I called them on the XXXX through to Monday that same week saying they applied the XXXX to my account and then on XX/XX/2025 stated I could not pay from my only bank account ... ... this was after they told me I might not hey my XXXX back and they can't tell me dates so I called my bank to pull my money back. I'm seriously so at a loss with US bank as I have been with them for several years and now regret it as they are doing this to me. 
I am at a loss.
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of co
nvictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

Amex has report this to XXXX I never ever had a account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Debt collection

On XX/XX/2018 I sent certified mail letters with return receipt to the collection agency Commonwealth Financial to validate the alleged debts that were on my file. This company is attempting to collect debt on several collection accounts on my file. The accounts are as followed : Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX The company sent back the return receipt with a signature. The company failed to validate the alleged debts. It has been over 30 days and I have received no response from the company to this day. The collection agency failed to complete the Validation process. Please be advised that I am disputing these collections due to the fact that Commonwealth Financial currently does not have a valid license in the state of Missouri to collect on debts. I checked the Missouri state secretary website and the information for the company states that their license is currently Admin Dissolved - Profit according to the Missouri secretary of state. 

I am requesting that you investigate this matter and delete these accounts from my file immediately. I specifically asked for a signed agreement and other supporting documentation and I have not received a response from Commonwealth Financial validating these alleged debts. They are reporting delinquent information to the credit bureaus that I am asking be deleted.They failed to validate these alleged debts. If these collections are not deleted I might sue for violation of the FDCPA.
Product: Debt collection

After paying  XXXX  for coverage on  XXXX   XXXX ,   XXXX  , I decided to go with a less expensive auto insurance when it was time for me to renew. I was n't notified of any policy changes and was n't sent anything. I recently checked my credit report and found that I was sent to collections without knowledge of any monies owed.
Product: Credit card or prepaid card

I filed a claims with XXXX XXXX and CITI XXXX to resolve a Disputete regarding a seller who made a claim for payment through XXXX XXXX  for services or products that were not provided. In addition the seller misrepresented themselves as technical experts in the use of XXXX products. 

The facts of this claim are that on XX/XX/2020, I made a XXXX search for " XXXX XXXX Support '' resulting in the first response being an offer of expert technical support. I called the phone number provided, XXXX that was answered by a female person named " XXXX '' who stated that could provide assistance upon verification of my identity. " XXXX '' stated that it would be necessary to verify my identity by means of a XXXX XXXX  transaction. I questioned this transaction and she assured me that there would not be any charges made to me as a result of this process. She walked me through through the transaction setting that I needed to use the " XXXX identification code of XXXX '' in the transaction to complete the identification process. I asked her again if any charges would be made to me and she stated that this was a " dummy '' transaction and " no charges would be made. '' I began to explain the technical problems I was having and she could not understand what I was saying. I heard loud background noise and " XXXX '' said I should call her back on her direct line of " XXXX. '' I became suspicious and after hanging up tried to call her back, however, there was not answer at that number. 

At this point I felt that the conversation with " XXXX '' might not be legitimate and I called the CITI customer service at " XXXX '' to report a possible fraud. I was that two transactions had posted XXXX account in the the amount of {$510.00}. I promptly disputed this and was told to wait until the CITI statement period to further continue the dispute. I followed up with two more calls to CITIto make sure that the dispute had been filed. CITI advised me to close the credit card used for the transaction and they would issue a replacement. I followed up calling the seller and found that there telephone numbers Was given were no longer working. I obtained the name of the seller from XXXX XXXX  as " XXXX XXXX '' and have not been able to locate them. I also look at my XXXX XXXX  account and the sequence of events regarding the transaction showing that XXXX XXXX  sent emails to the seller ( XXXX XXXX ) and did not receive a response. 

The bottom line is that this seller did not provide any services or products, never quoted any pricing, and misrepresented themselves as " XXXX XXXX experts. '' I have talked to CITI XXXX several times and they have replied that there is nothing they can do except charge my account, which they have done even though they were notified immediately of the suspected fraud. CITI stated that in cases of " scams '' there is nothing they can do.
Product: Debt collection

I have new and information on this case number XXXX. American Express. On XX/XX/2022 - a letter validating an alleged debt, and ceasing communication was delivered. The Validation Letter stated a necessity to provide all information proving verification for this debt within ten days. Over a month later, this company has failed to provide the necessary documents asked for in the Validation Letter. Since the Cease and Communication letter was delivered, American Express has harassed me on numerous accounts by calling my phone at inconvenient times, and failing to comply to my demand to cease and desist. This company has not complied with my requests for verification, requests for ceasing communication and has too violated numerous other rights of my status as a consumer. Due to these facts, as well as the original fraud surrounding the basis of the alleged debt, I sent a packet with my stated list of acted through an affidavit of truth, along with all of my exhibits. This packet was delivered on XX/XX/2022. This company has 10 days to reply to my affidavit, line by line with full rebuttals of my statements.
Product: Debt collection

I do not have a lawfully binding contract with this company. I do not consent to any contract with this company. There is no contract that exist and there is no debt that exist. I have been in contact with this company on several occasions to resolve this issue. Please note letter from company dated  XXXX   XXXX  where the entity clearly states that there is NO CONTRACT that exist! If there is NO CONTRACT, then there is NO DEBT! This is abusive, fraudulent and unfair debt collection practices.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/- opened a collection. 
Account -- N/A stating that I owe {$460.00} I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 




I do not owe this debt to this collector and have not written consent. 
Please remove collection from my credit report.
Product: Credit reporting

I filed for bankruptcy and it was reported XX/XX/2009. I thought negative items stay on the report for 7 years. This is not being reported by the other agencies. I am requesting that this be removed from my credit report.
Product: Credit card or prepaid card

Talked with multiple people, no one could explain a " random '' customer verification. I am unable to check my balance, but one employee said I can still use my card. Why would I use my card if I can not even check or pay my balance? 
They made me sign a IRS Consent Form 4506-T.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Quicken Loans about a {$55000.00} new home loan. I was told they don't do new home loans less than {$100000.00} and they still ran my credit report. It was an unsolicited credit check for a loan they couldn't even give to me. 

I called and was told it was run because I DIDN'T tell them not to run it. That's ABSURD. 
I asked them to remove it from my credit report and they said " its only 10 points ''. I don't care if it's one point if I did not ask them to tell them to run the report. It's under my phone number XXXX
Product: Credit card or prepaid card

I choose to send payments to XXXX XXXX ( TD XXXX XXXX XXXX  ) that I initiate through my bank ; I refuse to let banks that I have no relationship with grab money directly out of my checking account at their own initiative. I instruct my bank to send payments to TD XXXX XXXX XXXX 3 to 4 days before the account due date since TD XXXX XXXX XXXX will not accept ACH payments initiated from another bank and requires payments to be sent by check through the mail if I do not allow them to enter my bank account on their own initiative and grab money directly from my bank. For the last 2 payments, although the paper check was mailed 10 days in advance of the due date ( 7 days normal mailing time + 3 days early ), TD XXXX XXXX XXXX claims that they are receiving the paper check 2 days after the due date and subsequently charging me a late fee. Since I have to deal with paper checks to make payments to XXXX XXXX and I instruct my bank to mail the payment check so that is is received on the due date ( not early ) and XXXX has not tried to claim that they are receiving checks late ( thereby charging a late fee ), I know that TD XXXX XXXX XXXX is intentionally holding back receipt of the paper check in an effort to collect a late fee. 

My bank has already processed my XX/XX/2022 payment to get to TD Bank 4 calendar days before the due date so I can not request it be mailed earlier. I want TD Bank to acknowledge the XXXX payment when they receive it in their mail and not a week later when they get around to it.
Product: Payday loan

XXXX from World Finance ( XXXX - XXXX ) shared my private information and conversation that I had with her with XXXX at XXXX XXXX ( XXXX ). I have payday loan accounts at both places. 
I had told XXXX that the next month or two were going to be rough but that things would smooth out eventually ; and that I would be late on my payments. I told XXXX that my Nephew gave me a XXXX dollars to pay on my loan but that he could not afford to pay the late fee. 
XXXX then sent over a person to my home to harass me for the {$15.00} dollar late payment. And they called me often. 
During the next day or so XXXX from XXXX XXXX here in XXXX NM called me ( though I was not late on that payment ) mentioned World Finance and harassed me & gt ; telling me that they did not set up a loan with my Nephew but with myself. XXXX from XXXX XXXX could not have known any what she mentioned to me with out having had a conversation with XXXX at World finance. 
It is true that I am having a difficult time right now making my payments. I am an older widow ( XXXX years old ) and XXXX on a fixed income. 
There is also no way to negotiate with these payday lone companies. I have offered to make smaller payments to catch up ; which they have refused. And that is obvious considering the fact that XXXX from World Finance sent a person to my home to collect the {$15.00} late fee.