23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX of 2016, my American Express card was hacked. I called and asked that myself and my family members be issued new cards. The person with whom I was dealing with on the phone was very difficult to understand. The American Express representative apparently changed the terms of my credit card WITHOUT MY CONSENT. The company made some of my charges " billed over time '' and changed the terms of my payment to " minimum balance '' causing me to rack-up INTEREST! If I want a credit card with interest as a component, I would obtain a low interest Visa card, not some random American Express interest. I have called every month since discovering this in XXXX. I have patiently explained that I do not WANT to pay interest. My account is on auto pay, and they are to draft the complete amount I owe each month. Each month the interest has been waived, I 've been assured it wo n't happen again, and it does. The last supervisor assured me the interest was waived and could not understand what I was upset about. When I asked if the actual settings were changed and this no longer would continue, she left me on hold and never returned. I remained on hold for an extended period of time. The issue does not seem to be resolved. They continue to charge me interest. I continue to call and they waive the interest. This feels like a XXXX XXXX situation where the company has put pressure on their employees to change the terms of the customer 's accounts for a bonus. Is that true? Why not investigate? I 'm sure there are many other customers on auto pay who do n't even know they ' re being charged interest by American Express. I think this warrants further digging by the CFPB. In a way they have issued me a new kind of interest generating credit card that I NEVER ASKED FOR!
Product: Money transfer, virtual currency, or money service

The mortgage is simply the security agreement which you signed fraudulently because they failed to disclose. Read 15 USC 78c Section 10 ; your promissory note is a Security. Its not a promissory note
Product: Consumer Loan

I do n't know if this is a complaint as much as it is a question concerning what rights I have as a consumer. My son starts college in XXXX and I have a large unexpected tuition payment due. My options are to apply for a loan ( which I do n't know that I will qualify for ) or have him apply for a loan, which I would rather not do because I do n't want him to begin his life in debt like I did. I never bounced back. Hence, my present financial situation. 

I have a car loan with GM Financial and called them, in good faith, on today XXXX XXXX, 2016. I called to allow myself plenty of time to work out an arrangement with them to have my XXXX payment moved to the end of the loan. I explained my situation and how extending the XXXX payment would greatly help me. I explained that this was an unexpected payment and that knowing how much has to be paid will give me time to prepare before his next tuition payment is due. I have paid GM Financial for XXXX months, never missing a payment, always making my payments early. All that I ask of them is to extend XXXX payment on this XXXX occasion. The GM service rep. put me on hold and came back saying that they could make payment arrangements with me but, that they could not extend the payment at this time because it would n't be wise to add so much interest to my account ( apparently interest continues accruing in spite of the fact that I am requesting a payment extension ). I explained that I am willing to make the sacrifice of the interest considering that I am already paying a lot of interest on this vehicle so, $ XXXX more would n't make much of a difference. The rep said that they could make payment arrangements with me since there is so much time before the payment is due. I explained that if I had money to make payment arrangements then, that is what I would have requested. I know how much income I have and what I will be able to manage before the end of XXXX. Besides, I explained, payment arrangements would also incur the same interest fees being added to my loan. I asked to speak to a supervisor who explained that GM was not willing to make an extension " on this account '' at this time. Granted, I do have poor credit due to taking on this loan and helping out a friend who is waiting for social security XXXX payments. However, my record with GM is clean. I am paying $ XXXX always on time. At the end of this loan, I will have paid over {$45000.00} for a {$25000.00} car. I know that it sounds crazy but, unfortunately, that is the agreement which I signed at the time. 

My question is what are my rights as a consumer. If GM does payment extensions and my payment history with them is excellent, can they refuse an extension on my account? What are my options here?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working with them to remove a 30 day late that is on my account. The banks dashboard was being updated and I did not want to be outside because of covid so when I paid them XXXX XXXX XXXX said they would refund me my late fee and take care of the 30 day late. XXXX did refund me the late fee but the 30 day late is still showing up on my credit reports. XXXX XXXX XXXX told me to dispute with XXXX, Experian and XXXX and then they would remove it. I have done this about 7 times and they keep saying it's being verified but XXXX XXXX XXXX says they are not verifying the 30 day late. I have even written a letter to the XXXX XXXX XXXX about this issue. The 30 day late is on XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent out a letter to Experian about the fraudulent accounts on my credit report. It's been more than a month and the items on still on my report. I have not heard back from Experian in more than a month. When I called in, the representative advised me to submit a police report. Since then I have filed an ftc report. I have no clue about these accounts and it has caused me to be really stress. Please fix this. I have attached the letter sent it, I also included ftc report, an ID and a social security card. Thank you for your expedited response. I am overly appreciative
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called numerous times and disputed with XXXX credit bureaus and XXXX XXXX bank as re-aged my account and the credit bureaus are saying that the dates are valid. Also contact company the company will not provide me with any information although I have tried serval times, my Equifax even shows 2016 XXXX date of delinquency but XXXX does not is shows a later date so it may remain to ruin my credit longer but they did remove it. I have tried to get them to give me my personal information after verifying who I am and they are still not willing to help in fixing in formation on credit report they all say information is valid with out proper investigation. 
re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). 

The other XXXX major credit bureaus Equifax and XXXX also did nothing to investigate only wrote notes as though they were valid no investigations were done if they were the would know this account was opened and XXXX date delinquent in 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I have a credit report that states addresses I lived in and a more then a few phone number that are not mine. A freeze on my account and I cant not get it to it due to someone else 's phone number on account do not match my info I need it fixs and to find out who it is so I can get back to normal. I would like you to find out who it is and take any action. Thank you for you time. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX number XXXX XXXX or XXXX thank you
Product: Credit card

i used my card for a lot of spending and i did reached a rewardsbalance of $ XXXX that point they put my account on hold and eventually closed it and they haven't allowed me to redeem my rewardson any format
Product: Mortgage

Planet Home Lending , LLC as servicer of my mortgage loan is charging me {$3600.00} in " total fees and charges ''. Planet has itemized fees on the mortgage statement totaling {$2300.00}. That leaves over {$1200.00} in fees that were never reflected as owed or charged on my monthly mortgage statements. 

There also appear to be duplicate fees/costs charged as far as attorney fees and " foreclosure service cost '' which I dispute as a legitimate fee or cost. 

I was charged {$150.00} for " foreclosure sale costs '' when there was no foreclosure even scheduled for the property as I opted for mediation. The foreclosure case was dismissed in XX/XX/2023, as I received XXXX funds. I believe that Planet over inflated the fees/costs since XXXX was XXXX the payment. 

I requested all XXXX party fees/cost be itemized in XX/XX/2023, however Planet has failed to respond to that request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit score and ''file '' from Early Warning with a certified mailed letter and a domestic return receipt. In my letter I gave Early Warning proper identification up to the Fair Credit Reporting Act requirements and Early Warning denied me my requests because they wanted me to send my social security number to them for more information. Early Warning is a consumer reporting agency with an assumed role and using manipulation tactics to get credit card information ( my social security number is a credit card according to Federal Law ). Early Warning has violated my consumer rights. As of now Early Warning is in violation of XXXX USC 1681g ( a ) ( 1 ) and The Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

XXXX - XX/XX/year> XXXX AUTO - XX/XX/year> GREENSTATE C - XX/XX/year> XXXX OF XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX BANK XXXX XX/XX/year> EXETER FINANCE XXXX XXXX XX/XX/year> XXXX XXXX XXXX - XX/XX/year> TMCC - XX/XX/year>
Product: Checking or savings account

Had a talk with XXXX at the executive office ( XXXX ) who laughed on the phone after I told her your bank had racially discriminated against me. She told me despite her not being busy she wanted me to wait an hour in the normal line and she would refuse to honor Chase 's fiduciary duty to act in my best interest and help me. Close my Chase bank account ending is XXXX AND WIPE THE MONTHLY CHARGE THAT WAS LEVIED DUE TO YOUR BANKS SLOW PROCESSING NOW! CLOSE MY ACCOUNT AND VACATE THE NEGATIVE BALANCE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am contacting you for the second time regarding inaccurate information in my credit report provided by Equifax. Specifically, I am referring tXXXX XXXX XXXX Account Number : XXXX XXXX which reflects late payments for XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX They are incorrect. I have compared this information with other credit reports, such as XXXX, which does not show these late payments and instead reflects a correct payment history. I have attached evidence of this discrepancy, which indicates that Equifax is violating my rights under the Fair Credit Reporting Act ( FCRA ). Specific Violations of the FCRA : 1. Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer report information. The inconsistency between Equifax and XXXX clearly demonstrates a violation of this provision. 2. Section 611 ( a ) [ 15 U.S.C. 1681i ] : After I previously submitted a dispute regarding this account, Equifax says he provided me with the results which is not true, he never provided me with the results of the investigation, without conducting a proper investigation. This suggests no meaningful action was taken, violating my rights under this section. 3. Section 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ] : This section prohibits the reporting of information that a data furnisher knows or has reasonable cause to believe is inaccurate. Since other agencies are not reporting these late payments, it raises serious concerns about the legitimacy of the data currently being reported by Equifax. I formally request that this inaccurate information be corrected immediately. If these late payments can not be verified with valid evidence, they must be removed from my credit report. I appreciate your prompt attention to this matter and expect that the necessary corrective actions will be taken.
Product: Credit card or prepaid card

I called on XX/XX/XXXX and made a payment I called on XX/XX/XXXX and XXXX to fix this issue. 

I need Target to remove that late fee off my credit and correct my account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report, and noticed accounts that are not mine. I have never done business with these companies, and have no knowledge of these accounts. I have contacted the credit bureaus, and asked them to immediately remove them from my credit file.
Product: Debt collection

On XX/XX/XXXX I logged in to check my credit reports on XXXX XXXX  and found that on my XXXX  report there is a collection item that says was opened XX/XX/XXXX in the amount of {$140.00} dollars that I do not owe this company called Credence Resource Management.I have never opened an account with this company and have never received any bills or letters from this company that I've never heard of in XXXX, Michigan. I do not owe these people anything and I am requesting that this company removes this negative item from my any credit bureaus that they have reported to. My score has dropped 66 points because of this item that this company says I owe them! I have never had any business dealings with them and request that this is removed immediately!
Product: Checking or savings account

I have been with Frost Bank over 5 years. Someone deposit fake checks into my account. Frost bank did not protect me at all. My account has NEVER been froze before, my account has NEVER been delinquent before and last but not least I have NEVER deposit checks into my account. Frost Bank allowed one of the fake checks to clear then went into locking up my account after they had already transferred the funds. As a long term customer I would have expected them to call me before releasing any funds off my account because as of today they open me a new account, I deposit my payroll check in that new account and they froze this account now as well stating they wanted to verify the check. My payroll is an active check and now after 8 hours they want to release the funds. I have not been able to eat today, get gas or feed my children. Frost Bank should have protected me in the first incident because now they have falsely held my payroll check today. Not to mention the only reason my payroll is in a check form is due to the first account being closed out I couldn't get direct deposit, it had to come in a check form. I have took a {$4000.00} lost from the first account of fraudulent checks. and now got my payroll check held. I'm not a happy customer after so many years of loyalty to Frost Bank and I will assure to push this out as far as I can!!!!!
Product: Credit reporting or other personal consumer reports

TransUnion has failed to conduct an investigation regarding the fraudulent activity from credit acceptance. I demand for them to read the details of my letter and to perform an actual investigation. letter is attached
Product: Credit card

some time at the end of XX/XX/XXXX, I bartered with American Express by submitting an application for access to my credit and they never honored my application value for value but they did keep it and failed to return it. 
on XX/XX/XXXX I send a letter and on XX/XX/XXXX I sent another letter. after some time passed I sent another letter by notary presentment on XX/XX/XXXX with a letter of Instructions followed by another letter on XX/XX/XXXX seeking resolution for my account, to date they failed their duty to resolve my account
Product: Credit card or prepaid card

Charges for late fees because of a XXXX difference ... then a XXXX difference ... for a card that has not been used
Product: Credit reporting, credit repair services, or other personal consumer reports

for the last 4 months i have submitted credit challenge letters to Experian and I havent received one response regarding receipt or outcome. all of the information that I challenged in these letters are still on the report as if I never sent in the letters. I have evidence from the post office on all occasions that the mail was received by experian as i sent them all certified mail
Product: Payday loan, title loan, personal loan, or advance loan

Spotloan approved me for a Loan for the amount of XXXX $ and told me it would 10 payments of XXXX every 2 weeks when I agreed to that it suddenly changed to 30 payments of XXXX at XXXX % interest which I did not agree to
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX FIN XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

UKNOWN ACCOUNT WAS OPENED ON XX/XX/2015 IN THE AMOUNT OF {$290.00}.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am disputing the following accounts as an affidavit, I have contacted the state attorneys office, The XXXX, filed a lawsuit against your company for falsely accusing me of owing your company, using my credit file without my consent which is violating my rights and several sections in The Fair Credit Act. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # xxxx I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and XXXX XXXX XXXX and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

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

Subject : Complaint Regarding Unverified Debts on Credit Report by XXXX and Third-Party Debt Collectors Dear Sir/Madam, I am filing a formal complaint against XXXX and the following third-party debt collectors that are reporting unknown and unverified debts on my credit report. These debts are not owed by me, and I have never had any form of service or association with these companies. Despite my dispute, XXXX has failed to properly investigate and verify these entries, which is damaging my credit profile and violating my rights under federal law. 

Details of the Accounts and Collection Companies : XXXX Amount : {$290.00} XXXX XXXX XXXX XXXX : {$570.00} XXXX XXXX XXXX Amount : {$1600.00} These accounts are being reported by third-party collection agencies that I have never had any relationship or service with, and the debts they are attempting to collect are completely unknown to me. Despite my disputes to XXXX and the collection agencies, the debts remain on my credit report, and I have received no satisfactory verification of these accounts. 

Violations : Failure to Verify Debt : I have disputed these debts with XXXX, requesting verification in accordance with the Fair Credit Reporting Act ( FCRA ). However, XXXX has not properly investigated or verified these debts, allowing them to remain on my credit report. 
Unlawful Debt Collection Practices : The collection agencies ( XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) are attempting to collect debts that I do not owe. I have never had any accounts, services, or transactions with these companies. As per the Fair Debt Collection Practices Act ( FDCPA ), they are required to cease collection attempts unless they provide proper verification of the debt, which they have not done. 
Damage to Credit Report : As a result of these unverified debts remaining on my credit report, my credit score has been negatively impacted, even though the debts are not legitimate. 
Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following issues : XXXX  failure to verify these debts in compliance with the Fair Credit Reporting Act ( FCRA ). 
The illegal collection practices by the aforementioned third-party debt collectors attempting to collect debts I do not owe. 
The removal of these accounts from my credit report if proper verification is not provided. 
An investigation into whether these companies have violated federal regulations, including penalties if applicable
Product: Money transfer, virtual currency, or money service

My balance with this Company was {$270.00}, I paid {$30.00} payment on XXXX this Company hasnt apply this payment. My balance should be {$240.00} after payment, I dont want to waste my time calling and nothing is being done. Most likely I will be closing this account dont have time to XX/XX/XXXX anyone to do their job. My account # XXXX. Can you please take care of this for me please Im XXXX yrs of age and dont have time for this.