23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  American Express National Bank XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX Subject : Urgent Concerns Regarding Credit Denial and Investor Rights To : XXXX XXXX XXXX, XXXX, XXXX XXXX, and Investor Relations Department, I am writing to address a matter of utmost urgency regarding recent adverse actions taken against me by American Express National Bank. Despite my efforts to respond to the initial adverse letter and provide rebuttal, I received correspondence from XXXX XXXX of the American Express Executive Office, explaining that my credit application was denied based on my FICO score. 
As an Investor, I have expressed concerns regarding American Express 's failure to adhere to agreements filed with the Securities Exchange Commission and those outlined in various agreements found under Investor Relations on your website. 
Trustee Indenture agreement, I noted the statement " The Security Interest in the Collateral is granted to secure the Notes. ''The definition of Collateral includes '' All accounts, instruments, documents, etc., '' The Prospectus further explains how debt securities, including receivables, are pooled and converted into other types of debt securities, with interests and payments issued to the person whose name is on the debt security. Given this, my credit application, bearing my signature, constitutes collateral. 
I also discovered critical details in your Prospectus, particularly on page XXXX under the section " PLAN OF DISTRIBUTION. '' This section outlines various methods by which securities may be sold, including through underwriters or dealers, directly to purchasers, or through agents. American Express 's practice of denying credit extensions despite only purchasing underlying securities and selling them on the secondary market appears to contradict these agreements. 
Moreover, American Express attracts consumers and accesses trusts by way of their credit and social security numbers obtained through applications. Denying my application, provided in good faith, without equitable consideration on your part, may be perceived as securities fraud and identity theft. 
I kindly request immediate revocation and clear proof of this retraction or simply credit my account. Failure to address this matter satisfactorily will compel me to report American Express and any related holders to the U.S. Securities and Exchange Commission and FINRA. 
I anticipate your prompt attention and a satisfactory resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit company XXXX, XXXX XXXX and Experian regarding my credit reporting.Clearly there is some retaliatory behavior going on with these companies against minorities. I am requesting that your company address these issues with the credit bureaus. Clearly theres an accurate information that the credit companies refuse the report on my credit, along with the uncorrected information that I asked to be removed off my credit. I recently inquired from my bank XXXX XXXX XXXX XXXX that XXXX and XXXX XXXX, and experian still have yet to remove that inaccurate information on my credit report such as name that are not Associate it with my credit addresses phone numbers and in accurate Social Security numbers that are not associated with my credit this is abuse of power and criminal. These credit bureaus have a way of ruining peoples lives and this is what they have done to me. This is my fourth time filing a complaint with the department and nothing has been done
Product: Credit reporting or other personal consumer reports

I have sent the company ( Experian ) two documents which i will enclose again. The documents say all past, present and future info will be removed. The documents refer to a XXXX XXXX that I have returned to them. Experian has not done this, they still negative info on my credit report keeping me from getting any sort of loan.
Product: Debt collection

Received a letter today from " XXXX XXXX '' saying that I owe a debt to them, through XXXX, of {$620.00}. 

That is frankly impossible, I currently have an active account with XXXX ( had it for years now ) which is auto-paid directly from my bank account every month. 
I also check online to make sure everything goes through, I have never missed a payment. They'd bill me before sending it to collections, I have never heard about any debt or seen anything on my ( again, *active* ) account about any outstanding debts. 

The debt mentioned in the letter from Convergent is obviously, and completely, false.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : WellsFargo XXXX : XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX XXXX  account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

Beginning in XXXX and for about two years thereafter, Bank of America repeatedly canceled our XXXX card and issuing me and my wife new ones. The claim each time was that BoA had been hacked and they were doing this in order to protect us. I estimate this happened 5 or 6 times. 

But it just came to light that XXXX XXXX was doing something similar in order to make it look like they were selling more services, so I am suspect of BoA 's true intentions. 

To be clear, this did n't cost me anything and I do n't believe it affected my credit rating. It was just a hassle, and it actually proved to be counterproductive to BoA as we began using a different card for all purchases, minimizing our usage of anything BoA-related.
Product: Credit reporting

Experian has held me hostage as I was asked by detectives to freeze my accounts and case XXXX. CO. XXXX case # XXXX. That Experian gave away all my personnel info to a fraudulent application and it was wrong name but write social.Birthday was wrong address right but " NO '' signature, " NO '' phot id and then lost my mortgage application because of them ... .Now trying to move forward as XXXX victim, Experian has Freeze that they wont lift ... Can not get a hold of anybody at Experian live and 2 weeks trying to lift freeze they still say system down, bank is calling for XXXX attempt to get mortgae refi but Experian is not reachable or available with system down so I am hostage ... This is a violation of consumer protection laws that a private company hold hostage without a phone # to call for emergency service. This is insane. Holding me hostage I will take legal action later against all entities that prevent me from lifting freeze, giving my id info out under wrong name and has " NO '' communication ability for speaking to ... This is illegal and will be first to take to supreme court for justice and CFPB has allowed this. As a XXXX or not person this must be rectified for furture consumer issues that a live phone # is available for contacting this aganecy Experian. This is Hostage of another form ... Wait till I lock up XXXX of customers credit reports and yours with " NO '' way to contact me ... see if you like it or think its fair ... If your the fair credit Bureau of investigation. This is criminal in all directions and want legal action so this does not happen to ANYONE now that my bank for a XXXX time at my cost is trying but ca n't move forward I will file a {$250000.00} law suite for the mortgage I have tried to refi XXXX 's ... LIFT MY FREEZE ON EXPERIAN!!!! XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestage/ investigate and the outcome be removed today Sincerely, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Regional Acceptance Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I ended up XXXX XXXX XXXX XXXX XXXX and was XXXX for at least 6 months. Attempts to contact XXXX XXXX at this time always ended with phone calls directing me to email their customer support team documentation such as my doctor 's letter to validate the financial hardship I was going through. The credit card company never saved the copy of the letter. Fast forward one year and I am able to submit the letter to their company through a reply from a credit bureau complaint I made regarding late payments during the period I am describing above. However, they say they will not investigate it further despite having enough evidence to prove they were wrong about the payment options. This company has made it incredibly hard to report hardship, to negotiate terms and even to increase credit limits.
Product: Payday loan, title loan, or personal loan

I m sick with XXXX explain to then the give me time to make the payment but that not listened to me I bean gearing harassment me all time every days i m sick i lost my job do to the XXXX XXXX XXXXXXXX  I used XXXX XXXX I cant not get vaccinated my job give me layoff bean wearing for the unemployment and social security administrations to get my Bill on track. 
thank you XXXX
Product: Debt or credit management

Can you please verify that the information reported is 100 % accurate and that you can fully verify it otherwise can you remove from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint against XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX have caused undue XXXX to my financial reputation and stability.
Product: Credit card or prepaid card

Original Transaction : XX/XX/22 XXXX XXXX XXXX Event charge Dispute with Discover on XX/XX/22 Case Number XXXX I bought a ticket to a XXXX XXXX XXXX event. The event was a scam, as there were no XXXX XXXX XXXX  when i got there. I filed a dispute with Discover and they did not refund us as the merchant had set the terms of no refunds and they wouldn't escalate the dispute. No refund terms are null and void if the service they advertised were never delivered. I never received what i paid for and Discover refuses to refund my money. I would like to officially file a complaint against the company to request a full refund.
Product: Credit reporting or other personal consumer reports

On XXXX and XXXX of XXXX, I sent TransUnion identity theft report and detailed letter about multiple account and several inquiries which were fraudulent on my credit report. Same as I sent to the other bureaus. All bureaus have handled the situation accordingly and removed all the accounts as well as the inquiries EXCEPT TRANSUNION has failed to remove the unauthorized inquires and were noticed TWICE about it already when they were notified of the accounts. They hve shown no record or document ion of my signature or contracts with companies because I have never had any agreements or contracts or business with them or authorized any 3rd party to do so either. TRANSUNION is in core violation of the FCRA at this point and This is my final attempt to have this rectified before taking legal action as this is damaging my well being and. Causing me extreme financial harm and I will seek a remedy if this is not removed as they should have been with everything else months ago.
Product: Credit reporting or other personal consumer reports

I am writing to formally resubmit the complaint to EXPERIAN regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX. My date of birth is XXXX and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

And I have identified information on My consumer reports that result in identity Theft. These items are not transactions is completed by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Ftc report number XXXX Ftc report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My research on FCRA 605 indicates that credit bureaus are required by law to remove and eliminate any items that are discovered to have been opened as a result of identity theft. Again, it looks that my credit with you has been compromised. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following items must be taken away by XXXX XXXX : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX  XXXX Balance : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report were unknown to me when I reviewed it. I sent a letter to Credit Bureaus on XX/XX/2022 to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that were UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than XXXX business days after the reciept .Ive already included this in my previous Complaint # XXXX XXXX, XXXX & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,    2016   Opened Date   XXXX  {$320.00}. I contacted the creditor and was told that this contract was cancelled.      XXXX   XXXX   2016 ,  Opened Date.    XXXX    XXXX  {$610.00}. I was told that i was no longer liable for this credit line.
Product: Debt collection

I paid my XXXX bills always on time and closed the account in good standings and even verified that with a XXXX rep. I was sent to some collections agency and never told why. I have my last bill and even proved to them I do not owe this debt. They have been unresponsive to both myself and the lawyers I hired. They will not stop reporting this and it 's hurting me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Tidewater financial sent a text on XXXX XXXX at XXXX. They sent another text at XXXX on XXXX XXXX. The vehicle has been deemed a total loss and has been paid out by insurance company. There should be no deficiency on the loan that we are aware of.
Product: Vehicle loan or lease

Signed a loan for U.S auto sales. Currently paying for warranty and gap insurance. U.S auto sales randomly closed down. The warranty Im paying for doesnt exist and the gap insurance I pay for doesnt exist either. None of my payments have been going to my car loan. My car was illegally repossessed twice. They denied my auto claims for me to get my car fixed even though I was paying for warranty. Trunk wont close and they never fixed my broken tail light
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by TransUnion, XXXX XXXX XXXX concerning XXXX  XXXX Account # : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Product: Debt collection

Contacted Portfolio RC on XX/XX/2020, by certified mail that was delivered and signed for on XX/XX/2020 requesting a validation of debt for the amount of {$1600.00}, I did not received a response. I mailed a follow-up letter to Portfolio on XX/XX/2020 ; my letter was delivered and signed for on XX/XX/2020 requesting to validate the debt requesting a response within 15 days from the date the letter was received. The company is ignoring my request and the company continues to report this debt to the credit bureaus causing damage to my character.
Product: Mortgage

Fees applied for invalid reason. Strikes me as fraud. This lender is the 3rd holder of my mortgage and I have signed zero contracts with them. Unwilling to remove, waive or write fees off.
Product: Mortgage

Bought home XX/XX/XXXX, had two loans a 15 yr and a 30 yr XX/XX/XXXX is the 15 yr loan completion date, but now I get a notice saying $ XXXX will be due XX/XX/XXXX I have made all payments, docs say loan was for {$13000.00} Math adds up to more and now they want a another $ XXXX ( I do n't think this would be interest, the 30 yr old mortgage is not like this - Attorney says this company has had problems before XXXX XXXX - 3 different companies have passed this on Currently Nationstar Mortgage holds it Can you help What 's so weird is that a fellow worker is being done the same way
Product: Credit reporting or other personal consumer reports

LexisNexis claims to offer a " Public Records Products Suppression Policy and Process. '' It's available here XXXX XXXX XXXX XXXX LexisNexis indicates individuals may submit suppression requests online and does not indicate how else ( if at all ) individuals can make a request. 

Unfortunately, the link LexisNexis provided is dead. It does not work. 

LexisNexis can't even be bothered to maintain a working website so that individuals can opt out from LexisNexis sharing all the private information it collects on them. 

I've attached a PDF of the broken link and a PDF of the initial site.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent an investigation request to XXXX and Trans Union. Over 30 days have past, and they have yet to respond.