23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

American Express, with whom I've been a customer for more than ten years, will not stop sending me nuisance emails about my card balance. According to the website, the customer can opt in, or opt out of emails which alert the customer when the balance is " nearing the limit. '' Unfortunately, AMEX sends these emails at every transaction starting when the balance is not even really close to the limit. 

But here is where things turn worse : a customer representative incorrectly and perhaps dishonestly said that AMEX is required by law to send these emails. No such law exists, and no such law was ever applied to me in the past ten years by AMEX. This is a new technical quirk for which AMEX refuses to take responsibility. 

And it gets worse : the email which AMEX sends carries a feedback link to respond to the company. That link is permanently broken. Also bad, AMEX generates these emails citing balances and charges that are entirely incorrect. A recent email alerted me to the problem that I was over my limit. I was never once over my limit, not even for 5 minutes. But you can see how these emails, given their frequency, can become alarming. 

The AMEX interface online makes it clear these emails can be turned off. But turning them off does not turn them off. They are unwanted, unnecessary communications and I want them to stop. I also want AMEX to not lie outright to me, citing legalese that does not exist. To be honest, I suspect that AMEX does this because I currently enjoy a 0.00 % promotional interest rate, and penalizing me with multiple emails starting when my balance is only 65-70 % of my credit limit is a way to suppress spending, or, to induce me to not carry a balance.
Product: Debt collection

The XXXX is paid in full, all attempts to remove via disputes through XXXX, XXXX etc. have been denied. I have not relinquished my rights, titles, or interests to BERLIN WHEELER, and there is no existing contract between me and BERLIN WHEELER. I have requested from Berlin Wheeler on XXXX  occcasions my rights, titles, and interests solely between myself and Berlin Wheeler. I request that, unless the DEBT COLLECTOR can provide the contract demonstrating my transfer of rights, titles, and interest to them, they remove it from my credit report. I am specifically asking the DEBT COLLECTOR to produce the contract solely between them and me, wherein I signed over my rights, titles, and interest.
Product: Credit reporting or other personal consumer reports

I reached out to the credit bureaus because I am a victim of identity theft and there are accounts that showed up on my credit report that are not my accounts. I filed an identity theft report and notified the FTC of the fraud and sent that as well as other identifying documentation over to the bureaus and they have not responded and have not remove the fraudulent accounts from my reports. I am receiving unsolicited phone calls and mail regarding accounts that are not mine and they are still on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting a collection with a {$0.00} balance on the XXXX partial account number XXXX. ( Please see page XXXX of the attached credit report. ) Please keep in mind that it is impossible to have a collection on an account with a {$0.00} balance due. I have attached a copy of the letter dated XXXX from XXXX showing that this account has been paid. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX my XXXX account is still being reported late on my Experian credit report from XX/XX/XXXX- XX/XX/XXXX. On my XXXX credit report the same account is being reported as ok. If they are pulling from the same creditor how is it that the information is being reported different. On my XXXX report it is not being reported at all.
Product: Debt collection

Jefferson capital collections try to illegally contact me at my moms property and officer was told on camera when Im being represented with an private attorney that i was already in an ongoing law suit with this creditor for my credit report actions and hardships i had to endure, i was then hit with a law suit to she summons in person when i told the officer i was already being represented by an attorney These people violated the state Arizona law for fdcpa regulations on approaching a debt collection thats been sold to a third party they also threatened to garnish private wages and thats also highly illegal for third party collection agency in Arizona i need this legally dissolved or they need to settle with me any way i can pay a settlement but no more then a couple hundred due to health expenses
Product: Checking or savings account

I had a problem with vendor taking charges from card using debit account number, I already submitted rejection and Claim ID, I followed on the merchandizer named XXXX XXXX on XX/XX/2023 charged the card for XXXX XXXX and on XXXX XXXX XXXX XXXX XXXX  XXXX both transactions was rejected and filed a claim ID XXXX and another XXXX respectively, they both got unanswered and still otusnading taken payment from our company account. 

On other claim on XXXX XXXX, a transaction of XXXX XXXX was taken by vendor named XXXX XXXX unauthorized and rejected online but couldn't get Claim ID, we also reported by phone and no feedback yet.
Product: Credit reporting or other personal consumer reports

I submitted a DISPUTE to Equifax. This DISPUTE pertains to my OPEN Credit Card Account with the XXXX XXXX XXXX ( See Attachment XXXX -- EQUIFAX ACCOUNT ). I disputed this Account to get the { CREDIT LIMIT } information UPDATED from {$8200.00} to {$9300.00}. Instead of UPDATING this Account Information, Equifax has DELETED the ENTIRE Account from my Equifax Credit Report ( See Attachment XXXX DISPUTE RESULTS ).
Product: Checking or savings account

Hello, I opened Business-Checking account in USbank with XXXX XXXX check from my customer around XX/XX/XXXX and that check is cleared and still on my account, after XXXX week later I deposit my USbank account another check from my other personal checking bank account but forgot to transfer money from my saving account to my checking account and my second check returned after that USbank close my account and doesn't give me my fund since 3 months. The bank policy show that that they should pay me my money back in any USbank branch with my ID. In that USbank branch everybody says different things to get my money back or they like to play with my money. I got email today that they want to talk or meet with my first check maker. That check is cleared since almost 4 months and " Once a check is cleared, the payer can't reverse it and get their money back. 
What should I do now? 

Thank you. 
Regards,
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through myrecords & noticed many items which do not belong to me. Since Im a stickler forresearch, I found that under section 605b of the FCRA, you are required by law toremove & block any items which are found to be fraud due to identity theft. Thedispute items do not belong to me. Im attaching the required FTC Report for youand the bank 's records. Please block/remove these items. XXXX XXXX XXXX  : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$870.00} 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

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Accounts and Request for Immediate Action Due to Equifax XXXX XXXX Dear Equifax , I am writing to formally dispute the fraudulent activity on my credit file resulting from the Equifax data breach, which exposed sensitive personal information of millions, including mine. Specifically, I am disputing the following accounts : XXXX. XXXX XXXX Account ( Account Number : XXXX ) XXXX. XXXX ( XXXX ) Account ( Account Number : XXXX ) XXXX. XXXX XXXX XXXX Account ( Account Number : XXXX ) Under the Fair Credit Reporting Act ( FCRA ), I demand that these accounts be investigated and removed immediately as they were not authorized by me. The breach of your systems in XXXX compromised my personal data, directly leading to these fraudulent activities. 
Additionally, I am requesting reimbursement for time spent resolving these issues and any out-of-pocket expenses as per the Equifax settlement terms. Enclosed are supporting documents detailing the fraudulent accounts and my efforts to address them. 
Failure to act promptly will leave me no choice but to escalate this matter legally under FCRA provisions and seek further damages. I expect written confirmation within 30 days regarding the resolution of this dispute. 
Sincerely, XXXX XXXX
Product: Debt collection

This collection start around XXXX  whit the amount of {$840.00}, i do not this company, and the culd not verify this account as mine ( Convergent Outsourcing )
Product: Credit card or prepaid card

On the XX/XX/2018 I made a purchase for XXXX on my discover card XXXX XXXX music which was declined and I then pay with cash .but the fund just disappears from the card. At one time the funds was showing on the account as pending and then its disappear but the funds are not on card. I called several times to discover and the merchant but nothing was being done. Every time funds just disappear from the account I called several time and talk to the supervisor and customer service and they are saying the the funds will show up the next business day, but no funds never show up on the account. I do hope someone could help me with this matter as soon as possible. I am sure There are many innocent people out there who are being rip off by this company and didnt knew.
Product: Credit reporting or other personal consumer reports

I looked at my Credit Report XX/XX/2024 and noticed some things are incomplete & not accurate. I sent a letter to XXXX  XX/XX/2024 & asked them to investigate the completeness and accuracy.I received the results and noticed they did not fix nothing.They are breaking federal laws. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and want this fixed immediately
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesnt belong to me and need to be a removed. Also the XXXX as well. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX
Product: Credit reporting

Complain to Equifax : Explanation how the credit score from XXXX requested by XXXX on XXXX XXXX, 2016 reduced to XXXX requested by XXXX on XXXX XXXX, 2016. The credit score was dropped XXXX points when I have not applied or authoorized anybody to pull my credit between that period. Credit score on XXXX XXXX, 2016 from XXXX is XXXX, XXXX is XXXX and Equifax XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card includes a person 's credit score in their monthly statement. I had an unexplained XXXX point drop in my credit score over the two months XXXX XXXX from XXXX to XXXX and no one can tell me why ( it stands at XXXX in XX/XX/XXXX ). See attached. 

XXXX card said the information is based on data from TransUnion. There has been no change in my credit card history, I have no loans or mortgages and I pay my balances in full every month which was confirmed by my credit report. My score has been in the XXXX for years so this unexplained drop is concerning. I would like to know why it happened so the problem can be fixed, but I have not been able to get any answers from TransUnion or XXXX. I recently retired at the end of XXXX and this unexplained drop occurred in XXXX. I hope that's just a coincidence as there were NO other factors to have caused this drop. 

XX/XX/XXXX - I obtained my free credit report from TransUnion which showed nothing unusual, all balances paid in full every month. All 12 creditors ( several accounts have been closed ) showing " ok '' for every month. There is nothing on the report to dispute, it's just the drop in my score which has no basis. 
XX/XX/XXXX - I called TransUnion 4 times. They transferred me back to the main number, then gave me the phone # for XXXX XXXX XXXX XXXX XXXX XXXX which only deals with XXXX scores, then transferred me to a " supervisor '' who told me I could get my score for {$.00} at XXXX which is just the free report and gave me the phone # for the same place. At the end of my last call, he did tell me that the number that XXXX card was showing for XXXX XXXX ( XXXX ) was incorrect, but would not tell me the correct number unless I paid {$10.00}. 
XX/XX/XXXX - called XXXX to let them know that the information they were providing about me was incorrect, but he did nothing more than refer me back to TransUnion and to tell me to check their website for further information on the score ( what's hurting and what's helping ) which I did. Their explanation said that there was " insufficient information about my installment loans. I HAVE NO LOANS. Apparently, I am being penalized for my lack of debt/loans ( see attached ).
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Borrower submitted several RMA packages to US Bank over the last year + and file continued to be closed due to timing out. He had to escalate to a local Branch Manager before the file was re-reviewed. No decision made on the file, other than incomplete package or documents timing out. After Borrower started working with me, his Housing Counselor, this issue continued with submission of package on XXXX/XXXX/2016. I have documented that a complete package was received by the Mortgage Assistance Point Team several times, but still the initial review has not been completed. After initial review by Processor, they requested missing items. However, after carefully reviewing individual pages with MAP Rep. on XXXX/XXXX/2016, there was no missing pages to bank statements and non-borrower contribution letter was complete with specified amount. File escalated internally, but did not result in review. As of XXXX/XXXX/2016, the Processing Dept. had not reviewed the file again. However, it was indicated they were running behind. On XXXX/XXXX/2016, the Processor closed the file due to aforementioned items not being cleared. I had to resubmit RMA and supporting documents on XXXX/XXXX/2016. Verified on XXXX/XXXX/2016 that file was open and under review. However, on XXXX/XXXX/2016, it was explained that the Processing Dept. has not yet reviewed the file. I again requested Escalation. As of today, XXXX/XXXX/2016. the file has not been reviewed by the Processing Dept. However, notes indicate an Escalation was put in on XXXX/XXXX/2016 and the Supervisor has been out of the office.
Product: Debt collection

15 usc 1681 reporting accurate and fair information this account has been charged off with reporting inaccurate information such as a past due amount different " open '' dates are not reporting the same, along with inaccurate reporting different last active and last payment date with all three credit reporting agencies are all different all the dates are reporting inaccurate and this account needs to be REMOVED/ DELETED
Product: Debt collection

On the XX/XX/XXXX I received a notification from XXXX that I have a new negative collection on my credit report from PARAMOUNT RECOVERY SYS for {$1200.00} with the original creditor being XXXX XXXX XXXX XXXX. I've never done business with any of the companies listed above nor have I ever heard of them. I have never entered into any contractual agreement with PARAMOUNT RECOVERY SYS nor was I contacted in any way, shape or form about this collections bill of {$1200.00}. I have received no paper mail, no phone call, and no emails with regards to this collection and only found out about it when it was placed on my credit report as an owed debt. Upon checking into this collection, it was soon realized that this collection is due to fall off my credit report in XX/XX/XXXX which suggests that this collection would be at least 6 years of age. 
I then contacted PARAMOUNT RECOVERY SYS to gain validation of the debt and to find out why now, after 6 years is this debt is being placed on my credit report. I spoke to XXXX which insisted that by federal law I need to provide PARAMOUNT RECOVERY SYS with my personal information so they can go ahead and validate my debt. I immediately interpreted this exchange as a possible case of a scam or identity theft and went ahead to contact XXXX about this matter.
Product: Credit card or prepaid card

Was alerted on my credit file of a hard inquiry from Bank of America also received a email from Bank of America that a credit application was denied that I never applied for a card foXXXX XXXX  XXXX signature XXXX XXXX or with Bank of America my credit score lost points and someone is currently using my info I have put a freeze on all 3 credit bureaus for my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be deleted from my credit report. 

XXXX : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX  XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft LVNVFUNDG Account XXXX : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account XXXX Bank XXXX XXXX # XXXX ) that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

Under the Fair Credit Reporting Act, VANCE AND HUFFMAN LLC has violated my rights. 15 U.S.C 1681 section ( 602a ) states I have the right to privacy. 15 U.S.C 1681 section ( 604a ). section 2 also states a consumer reporting agency can not furnish an account without my written instructions. This account is listed on my credit in the amount of { {$1100.00} }. The original creditor listed is XXXX XXXX
Product: Checking or savings account

Back in XXXX I had my tax refund of {$11000.00} deposited into my cashapp and it was hacked by an inside resource of cashapp, and almost all of it was stolen. So I displayed a dispute, and the next day they refunded it back to me, only for it to be stolen AGAIN right in front of my eyes. It was around {$5000.00} that was stolen from my cashapp, and I tried to display a dispute countless times over the next month and they would not help me at all, and eventually they just closed my whole account all together so that they didn't have to deal with it. Then a while on i got XXXX email from cashapp basicallly saying that their was an inside recourse that had stolen some people 's ss numbers and bank information and that was all I ever heard back about it.