23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

i called american express about some scam companies i paid for an at home business.they would only open up a few disputes for me .it really bothered me because services were not rendered.i know they can go back further than 60 days.the first charge happened on XX/XX/XXXX.for XXXXthe merchant was ie plexus.then i paid XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX how could they only help me with the last XXXX. american express declined to help me with the others.other people have told me amex has gone as far back as 2 years.ifeel i am being but off as a consumer.speaking about this in the same phone call they opened disputes for me all the way to XX/XX/XXXX.what am i supposed to think? on the third one the merchant was XXXX.they charged me XXXX on XX/XX/XXXX and they would not open it up.how can they open XXXX and not the other. the rules must be the same.i talked to a rep called XXXX who did not seem to responsive to my situation.amex is not treating me fairly .these companies have broken several laws, telemarketing and federal, yet there allowed to have a merchant account.
Product: Student loan

My private student loans they were supposed to be in deferment when I reported extended unemployment well they never were deferred my credit was ruined and they are reporting and reaging old debts every month as if they are new. There was an astronomical amount of interest and fees added and I do n't even know if I owe for all of these loans. They are old and were supposed to be deferred by XXXX they were bought by Navient and they are reporting illegally
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to equifax XXXXXXXX XXXX to dispute a account on my credit report due to fraud. They responded back to me and informed me that the dispute was verified as being mines. They did not verify the account in question, because the credit card company reached out through this portal stating they investigated my claim and in deed did find that it was opened fraudulently.
Product: Credit reporting or other personal consumer reports

I am writing to report that Experian, along with other credit reporting agencies, failed to investigate and remove inaccuracies from my credit report. Despite my dispute requests, the following accounts and amounts remain incorrectly listed and should be removed per credit reporting laws, specifically under **the Fair Credit Reporting Act ( FCRA ), Section 1681i**, which mandates that credit reporting agencies investigate and correct any inaccuracies within 30 days 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} I request that you investigate this matter and ensure these accounts are removed from my credit report, in compliance with the FCRA. 

Thank you for your attention to this issue.
Product: Credit card

TransUnion Dark Web Alert XXXX XXXX social security # Compromised, invalid phone # XXXX This shows 12 times on credit report. 
Transunion is the report all these accounts took place on. The details and dates of credit card companies and others with inquiries that need to be deleted from my report are on the attached complaint form filed with XXXXXXXX XXXX I appreciate the time!
Product: Credit card

I took a home improvement card from Wells Fargo Financial National Bank for a home improvement. They offered a 48 month no interest loan. I made an initial payment to even out the amount I would have to pay then set up auto pay from my checking to pay half of the due amount every two weeks. In short, there is no possible way that I have missed or have been late with a payment. When I got my last statement, Wells Fargo has charged me a {$25.00} late fee. The fee was generated because they have cutoff dates when they apply money to the bill and because they applied part of the XXXX payment in XXXX, they have justified billing me a late fee. I called Wells Fargo and asked them to remove the late fee because there is no possible way that I was late with a payment. The agent said, " As a XXXX time courtesy, I can reverse the charge but you will be responsible for future late fees. '' They imposed the late fees through their own action and not because I was late. I have since had to re-structure my payment plan to pay the entire amount once per month so they can not continue to manipulate the pay date to unfairly charge bogus late fees. It is not a courtesy to give me back money that they had no right to take in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion, XXXX and XXXX regarding this account and told them that they are reporting it incorrectly. It has been adversely effecting me and has ran my utilization up! I finally received the same letter that the bureaus did and they have done nothing with it!! I need someone to assist me with getting this negative item removed. I have two account with XXXX XXXX XXXX and they are updating the WRONG account.
Product: Credit reporting or other personal consumer reports

This is my 2nd Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want it to correct : XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 Balance : {$10000.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I received a credit alert from my bank that my Trans Union credit score changed. Since I pay monthly for credit monitoring with Trans Union, I logged into the Trans Union member website to check my credit score. To my surprise, my credit score dropped a devastating XXXX points overnight from XXXX to XXXX!! 

I reviewed my credit report and no changes had taken place, no new accounts, no new inquiries and I had received no alerts from Trans Union 's credit monitoring service. There is absolutely no derogatory information on my Trans Union credit report or any new actions that would warrant an XXXX decrease in my credit score. 

I called Trans Union and spoke with a representative who also reviewed my credit report and felt the XXXX point drop in my credit score was unjustified by any data that is actually on my credit report. The representative advised she was escalating the matter to management and read her report back to me which included all details. She advised I should hear from a manager within 24-48 hours and to date, I have not heard from anyone since my call with her this month. 

This has happened on more than one occasion with Trans Union and they are unable to justify it. I am concerned about possible racial profiling whereby Trans Union may very well have an algorithm set that intermittently, unjustifiable and illegally issues a subpar credit score to non-white Americans. Either way, there is something going on with my account which Trans Union has not corrected to ensure this error does not continue to happen and impede my chances to obtain additional credit on terms that my credit history warrants.
Product: Debt collection

To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally express my concerns regarding my past experience with XXXX XXXX. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX. 

I was a client of XXXX XXXX several years ago, and during my time with the company, I had significant doubts about the legitimacy and effectiveness of the services provided. I suspected that the services offered did not align with the expectations set forth in the initial agreements. Recently, I received an email from Lexington Law, which further reinforced my concerns, especially in light of the legal actions taken against the company.

Given this situation, I would appreciate clarification on whether I am entitled to any restitution or compensation as a former client, as well as further information on how to proceed with any potential claims.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX
Product: Debt collection

Jefferson Capital Systems , LLC kept calling and sending threatening letters saying I owe them XXXX, I was so threatened by the caller I gave them my bank information because I didn't want to go to jail or my credit to be messed up like they told me. After reviewing the debt they say I owe afterwards I found out that it was wrong and sent them a certified letter on not collecting on the debt and to tell me how and where they got this bogus amount from. I even asked them to delete it off of my credit report. The problem is they took XXXX out of my bank account and yes I did canceled or stop it with my bank but they withdrew it under the name of XXXX XXXX. I have been calling to get my money back but end up getting hung up on repeatly. I am sending them another certified letter and I also am in the works of suing them to try and get my money back. They have used illegal and awful tactics against me.
Product: Credit reporting or other personal consumer reports

I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

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
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Mortgage

I attempted to refinance and was told to not make my XXXX payment as I would be bringing it to closing. I contacted them by phone during the month of XXXX to get an update and was told, again, to not make the payment. On XX/XX/XXXX I emailed concerning my payment. They got back to me within the following day and said that yes, things were taking longer and I was to make the payment. I made the payment on XX/XX/XXXX. The week of XX/XX/XXXX they sent me an email telling me that they were denying my refinance application due to bad credit score. I then checked my credit and saw that it had fallen over 100 points due to my XXXX mortgage being late. I called the mortgage company to find out what happened. I asked how they could tell me not to pay until it was considered to be a late payment and then turn my application down due to bad credit that was their fault due to their actions. My mortgage rep told me Sometimes that happens.
Product: Credit card or prepaid card

I called Bank of America XX/XX/2018 regarding a {$22.00} interest charge on my statement after the previous statement was paid off. It is my understanding this is considered dual cycle billing, which the Credit Card Act of XXXX banned. I called Bank of America but they refused to credit the interest. I recently had the same issue with XXXX and XXXX, both of which credited my account.
Product: Credit card or prepaid card

Hi, I have a Citibank dividend card. The card is no longer available to apply. For years now citibank has wanted me to change the dividend card to another type. I decline the offer every time. On the XXXX of XXXX citibank closes my account citing that I havent used the card since XXXX. I logged in last night and could see the charge I made at XXXX store in XXXX ( I dont remember what date. ) Today when I called customer service stated, we see no charges all the way through XXXX but we do see a payment in XXXX. How does that make any sense? What would I be paying if theres no charges? Oddly enough all my charges disappeared from citibank, and I have no printed statements. I do have the payment I made through my chase checking account which was made XX/XX/XXXX, for the charge I made at XXXX in XXXX to my dividend card. 

Closing of the card affects me in different ways. I know to use all my cards to avoid closures. Closing the card affects my credit score. I  recently refinanced a mortgage and had to buy a car. This is my oldest card going back to around XXXX. I will settle for a product change of the card as long as the account isnt reported as closed. Keep the dividend citibank! 

Again, I could see the charge on my dividend card from XXXX, and now its disappeared. I feel like citibank did whatever it takes to force a closure of the account. Im not sure why they want to get rid of this product to this extreme.
Product: Checking or savings account

{$10000.00} was taken from my account on multiple dates in XXXX through XXXX XXXX. Although I did at one point have XXXX XXXX, my current bank account is not attached to it. I have taken an image of my XXXX XXXX and the bank account attached to it, which is a closed account from a different bank. Also, my current banker, Chase Bank, states that my fingerprints were used to withdraw this money from my savings and they pinpointed the location, which is XXXX, CA. I live in XXXX and work in a prison located in XXXX XXXX. I can prove I was at work on the alleged days I was supposedly in XXXX. I talked to the claims representative, and they said the case was close because biometrics, fingerprints, were used. I feel this is negligence on their part and not being able to protect my money. The money was withdrawn from same location, in XXXX, CA on the following dates : XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XXXX and XX/XX/23. Furthermore, even the bank tellers are confused as I am, on how they could withdraw so much money from my savings account and there were no notifications from the bank that this money was being withdrawn. Thank you.
Product: Credit reporting or other personal consumer reports

I requested that the credit monitoring be removed XXXX and this has not been done. I found this out when attempting to obtain a mortgage. The alert is a reason I did not get the loan. I attempted today to call Equifax and talk to them but their support services hangs up without getting to talk to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on  XXXX  17  to make them aware that this account  XXXX   XXXX   XXXX   XXXX  account #  XXXX  is the result of identity theft. I have no knowledge of who the perpetrator is and never authorized anyone to use my personal information to open this account.     I 've provided Experian with an Federal Trade Commission  Affidavit and file d a police report about the incident and sent a copy to Experian.     To date Experian has yet to block this information from my credit file.       My File number for Experian is  XXXX
Product: Credit card

XXXX XXXX XXXX ( Last XXXX # XXXX ) ; XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXX XXXX and I have divorced since XXXX. XXXX opened multiple credit cards with my name as primary account holder in XXXX. I have contacted multiple credit cards including Chase, Chase XXXX, JPMCB Card, and XXXX XXXX for total of fraudulent charges of {$15000.00}. XXXX XXXX and XXXX police departments have filed reports for status of investigation against suspect XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX for a guilty plea that was on XX/XX/XXXX, for XXXX for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for 5 years for approximately {$170000.00} at XXXX XXXX  XXXX XXXX NJ XXXX XXXX was then transferred to XXXX XXXX XXXX XXXX for XXXX XXXX on XX/XX/XXXX. Please carefully review and resolve this matter of credit card fraud in my names as primary account holders to not affect my credit report. 

Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided it with documents which demonstrated this legal issue but they have ignored this document. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing it from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The accountis as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$25000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Mortgage

American Financing NMLS # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO XXXX XXXX XXXX Loan Officer I started out with a credit score of XXXX when I was preapproved by American Finance. XXXX my loan officer told me to take out a new line of credit in order to help me to get a VA Loan. She told me that the VA does not accept loans that the credit is too low. Which I later found out if not true. The VA Loan has no low end limit. It is set by the lender. I am a first time buyer so I thought the lender was giving me good advice. Turns out when I took out the new credit line it tanked my credit. I went from XXXX to XXXX over night. Then XXXX told me that she could not finance my loan because my credit score was too low. SHE was the one who TOLD me to take out the new line of credit. She told me that she had been a loan officer for over 20 years. It appears that I have fallen victim to Predatory Lending. I am a XXXX XXXX and a Veteran I should be treated better than that. Now I can't use my VA Loan to get a home. American Finance acted as a Predatory Lender when XXXX knowingly told me to take out a new line of credit knowing full well I am a first time buyer and that the new line of credit would tank my credit score and then she turned around and denied my a loan that she had already processed for me. I was in escrow then she did all of this. Please help.
Product: Credit reporting or other personal consumer reports

in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Section 609 ( 15 U.S.C. 1681g ) of the FCRA grants me the right to access all information in my file, including : A detailed listing of all personal data you have on file regarding me.

The source of the information you have collected.

A list of all individuals or organizations that have obtained a consumer report on me.

A comprehensive record of all inquiries made on my credit report. 
Additionally, I request the identities of all recipients of consumer reports pertaining to me, as permitted by the FCRA. 
To facilitate the processing of my request, I am providing the following identifying information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ITIN : XXXX DOB : XX/XX/year> Please note that I understand, based on your standard procedures, that a copy of my credit report will be sent to me within approximately fifteen days of receiving this request. 

If you require any further information or have any additional steps I need to complete, please do not hesitate to contact me. I look forward to receiving a prompt response and a comprehensive report detailing all the information stored about me in your respective files.
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXXXXXX has tried to refund my return and this company says nothing about having to call them for a simple return of items bought with the card. Any other prepaid is not like this hassle sending what the person that helped you looked like there name and hair color. Those may have not been the exact wording but I felt like the police were checking me for credit card fraud. This is a on going problem with this company and XXXX  shows that clearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX THE XX/XX/XXXX I CONTACTED XXXX IN REFERENCE TO INCORRECT INFORMATION THAT APPEARED ON MY CREDIT REPORT. THEY WOULD NOT HELP ME DURING THE CALL BUT REFERRED ME TO A REPRESENTATIVE THAT CALL ME BACK XXXX XXXX  ( XX/XX/XXXX ). WHEN I ASKED THE REP TO HELP ME IN CHANGING THE INFORMATION SHE REFUSED CLAIMING ALL INFORMATION HAD BEEN VALIDATED BECAUSE YOUR INFORMATION IS PART OF OUR LEGAL DEPARTMENT AND WE ARE NOT CHANGING ANYTHING. THIS IS A CLEAR VIOLATION OF MY FCRA RIGHTS.