23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX entered a consumer credit transaction with American Express during XX/XX/2019. To be honest its kind of hard to even tell the exact date due to the fact I have various inconsistencies of the date opened throughout all 3 credit reporting agencies attached below which is a violation of the FCRA & defamation of character. There are also inconsistencies of the " Date Last Active '' highlighted below. I have notified the CRAs of this, still no response. 
American Express was also made aware of violation Federal law pursuant to 15 U.S.C. 1692d ( 5 ) -I received thousands of calls from American Express attempting to collect a debt without my consent outside of convenient hours which is deemed harassment. 

Attached below also is proof that American Express has received my affidavit of truth via certified mail. 

I requested American Express to provide the following to validate the debt : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
VerificaYon that this debt was assigned or sold to collector. 
Complete book keeping & accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Thank You, I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX I sent certified letters to Experian them that they were in violation of the FCRA and of requisite METRO 2 Complaint reporting standards. I have the right to a fair and accurate report, but Experian is illegally reporting inaccurate false information about me. They have been reporting an alleged account with XXXX XXXX, account # XXXX, on my credit report as a charge off with a past due balance of {$7500.00} and recently changed it to {$16000.00}. As of XX/XX/XXXX, XXXX and XXXX have since DELETED the account after their investigations showed that this account in fact did NOT belong to me and the information was not correct. 
15 U.S.C 1681s-2 ( A ) ( 1 ) 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. 
This false reporting is financially impacting me in the worst way possible and I am prepared to move forward with filing the applicable legal paperwork. I cant proceed with securing financing for XXXX treatment because of this erroneous, inaccurate reporting that I have been fighting for far too long. My attorneys are prepped and ready pending the final outcome of this submittal.
Product: Money transfer, virtual currency, or money service

Greetings, My name is ( redacted ) and on XX/XX/XXXX I noticed a transaction go through my US Bank checking account to XXXX XXXX in the amount of {$1600.00}. I immediately called them ( within minutes of noticing the transaction ) and told them I did not do this transaction. They closed the debit card that was used for that and issued me a new one. I thought that this would end that but I noticed on XX/XX/XXXX that the transaction had been approved! I called the US Bank XXXX XXXX XXXX Department and they had said that my claim was denied. They couldn't give me specifics of this but said they're mailing a copy of the denied claim to me. I asked them to reinitiate the claim and was told that would happen. I was not giving any semblance of an answer as to why I called them so quickly claiming fraud and they still processed the transaction. Attached are documents of the transaction On XX/XX/XXXX, I went into the XXXX XXXX of US Bank to file a complaint. The banker I worked with understood my story and was equally confused when I told US Bank that I did not initiate this transaction within minutes of it occurring and yet the transaction was allowed to be completed. She was able to also reinitiate a claim from there and I am told that this XXXX take up to XXXX days from the claim ( XXXX XXXX ) to be fully processed. This amount is more than my monthly mortgage which I currently haven't paid yet. 

I am wondering if there is any help I could get from your institution or if there's another avenue I should also go down. I am also thinking I should file a police report. My complaint is specifically with US Bank letting a transaction go through when I called and told them fraud within minutes of seeing the pending transaction. Also, XXXX XXXX should be involved but I have not reached out to them. 

I also contacted the Minnesota Department of Commerce filing a complaint last week. They are not investigating further since the Department of Commerce has no jurisdiction over US Bank. Their contact ( can provide contact information ) recommended I contact your institution. 

Please let me know next steps to take or any more information that I can provide. 

Thank you for your help, XXXX XXXX
Product: Credit card

Barclay advertises that you will Earn instant Elite Gold status on XXXX. I have flights to book. This is why I opened the credit card for a free carryon. I want to use the benefit. I've contacted both XXXX and Barclay. The issue has not been resolved. 

The specific Terms offered were clear and has been more than 4 business days.

" You will earn Instant Elite Gold Status ( Elite Gold ) after your first purchase posts to your account, less credits, returns and adjustments ( XXXX XXXX  ) with a transaction date within the first 90 days of new Card Account opening. Elite Gold will be awarded XXXX business days after the first XXXX XXXX posts. ''
Product: Credit reporting

i WAS TRICKED INTO USING WATCH-GUARD PREFERRED FROM CITIBANK N.A . FOR SEVERAL YEARS. I NEVER WANTED IT. PLEASE GIVE ME A REFUND FOR MY MONTHLY FEES I PAID FOR SEVERAL YEARS. I NEVER GAVE CONSENT TO HAVE THIS FEE PAID FROM MY CITBANK N.A. ACCOUNT. THANKS.
Product: Debt collection

XXXX XXXX Bank Account # XXXX was paid in pull on XX/XX/2018, in the total amount of debt owed which was XXXX. However, it is still being reported by the credit bureau that it is not paid. In addition, XXXX credit bureau is showing the debt has been satisfied. I called XXXX XXXX and they reported that it showed that the amount had been paid in full on the said date. 

However, Equifax is still reporting the debt as owed.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

I called a credit card company XXXX credit it was placed on my report for {$450.00} Ive never applied for a card with this company so I called the company and ask them to remove it they told me I didnt exist in the system yet Im on there on my credit report of called again and they gave me a phone number to contact that number was a fraudulent email address I tried to call attempted to call back and try to rectify the situation I just dont wan na be charge for something that I didnt apply for nor did I use they told me that no I dont have no information in the system and Im just trying to get this removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

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

In XX/XX/XXXX, I chose to begin working with a debt management company XXXX XXXX XXXX. XXXX sent proposals to all of my creditors and were able to work out payment arrangements with all of them including XXXX XXXX. XXXX XXXX was going to be paid $ XXXX monthly until the account was paid off. These payments were made every month from XX/XX/XXXX until the account was paid off recently. However, in XX/XX/XXXX, four months into the payment plan, XXXX XXXX reported my account as being 30 days past due. The following month in XX/XX/XXXX, XXXX XXXX then updated my account to show that I am not past due at all. However, they were only paid $ XXXX/month and no payment had been missed. I have contacted XXXX XXXX months ago, in regards to having the mark on my credit report showing 30 days past due removed. I disputed this on my credit report and XXXX XXXX chose at that time to not reverse the mistake. I spoke to a manager who then told me that it was their error and that they will work on getting it corrected but it would take 60-90 days. That was almost a year ago. I then contacted XXXX XXXX recently in regards to the same issue. I escalated this up to management who informed me that I needed to send in a letter and a copy of all three of my credit reports showing the error, and they would send it to their credit bureau team. This was not explained to me previously and I was told is the reason why nothing had been done. I had this expedited so that I would not have to wait another 60-90 days. Even after having this expedited, I received the reply that XXXX XXXX would not be correcting my credit report. This has been proven to be XXXX XXXX 's fault and they have marked my credit for one month which no other creditor has done. I am showing up to date with ALL of my other accounts with every creditor through the same months and XXXX XXXX admits ( and the credit report shows ) that payment was made every month to the account. I am not asking for a lot, I would just like XXXX XXXX to take this inaccuracy off my credit report so I can move on from them for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 capital one credit card not showing on XXXX  credit bureau. The creditor removed it from XXXX  credit bureau on XX/XX/2020. It's been over 60 days and it still not showing on my XXXX  credit bureau.
Product: Debt collection

APPLE CARD - XXXX XXXX Reported : XXXX XXXX, XXXX - {$6400.00} Closed Overview You're currently using 99 % of your account 's limit. 

Balance {$6400.00} Credit limit XXXX XXXX  Monthly payment No Info Opened XXXX. XXXX, XXXX ( 2 yrs, 9 mos ) Payment History Youve made 42 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$6400.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by credit grantor Account previously in dispute - Now resolved by data furnisher Times 30/60/90 days late XX/XX/XXXX Closed No Info This account listed above is fraudulent and it has been reporting on my credit for over a year a negative report this account must removed asap, now! 
It's prohibiting me as a US CITIZEN to evolve and progress in life. IF YOU INVESTIGATION CAN NOT BE PROVED Under LAW " FAIR CARES ACT '' 15 USC 1681B - PERMISSIBLE PURPOSE... this account must be removed permanently
Product: Student loan

In either XXXX or XXXX my amount due on my private student loan went up almost $ XXXX/month. I paid it, but it was causing financial hardship for myself ( between my private loan and my federal loan both owned by Navient I end up paying nearly $ XXXX/month, not to mention another loan from XXXX XXXX for $ XXXX/month ). 

I was advised by XXXX customer service representatives that they were unable to assist me, but if I let my loans go into default, there would be options available to me. Against my better judgement, I did n't pay my loan last month as advised. 

When I called today to see what options were available to me, I was told that they were able to lower my payments by $ XXXX/month ( great, awesome ) ONLY if I signed up for automatic debit. I had signed up for automatic debit in the past and had so many issues with it -- from payments being unequally applied to loans, incorrect amounts being debited to unauthorized payments taken out. At this point I asked to speak to a supervisor to see if I could explain that to them and see if they would agree to waive this stipulation. 

Beyond the supervisor being completely rude, I was told the same thing - there is nothing that can be done unless I set up automatic debits. I asked if there were any guarantees or assurances that issues that I 've had in the past would n't happen again if I signed up for automatic debits, and the supervisor got very insulting and surly. I am so disappointed in this company, I am willing and actually able to pay my loans, and have been for the past year or so BUT I can not pay this amount right now. I am feeling so despondent and hopeless after this call with your company. I just do n't know what to do with these loans anymore.
Product: Credit reporting or other personal consumer reports

Equifax sent me a basic letter but not explaning anything about the reinvestigation of my complaint regarding this account {$1800.00} XXXX on my consumer report. Equifax has refused over the phone and in writing the method of investigation that took place regarding this matter. This item was removed from my consumer report months ago but Equifax has decided to add the account back on my consumer report. I spoke with XXXX and I was told to send in my FTC report XXXX Photo ID, copy of my social security card with I did and the issue was resolved. When I saw XXXX back on my consumer report I contacted XXXX  and I was told that there was not an account on file for me. Equifax has a generic response of " been verified '' as before I'm not asking for verification I want this item removed from my consumer report immediately!
Product: Credit reporting or other personal consumer reports

I disputed results with all 3 Bureaus, this is my second time going through this process ; as they only solved part of the problem. I am a VICTIM of identity theft, I reported this to these companies and they have either only resolved part of the problem or haven't taken action at all. I was even accused by Transunion via our secured correspondence of making an error. When I clearly stated that I have been, again, a victim of identity theft. And I am being discriminated against because of it. It's causing alot of problems in my life. I just want someone to do their job! My data has been a part of a list of data breaches and used improperly. It's not my fault! I'm just trying to clean up the damage, and these companies are doing bare minimum and it's taking a toll on my life. Please review their processes.

The following Inquiries were unauthorized uses of my consumer report across all 3 credit bureaus. Remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I went to bbva compass bank to open only a checking acct and loan officer used deceptive mechanics to have me sign for a credit card when I was clear with her that I just bought my house and didn't want to apply for a credit card knowing I would be declined. She asked me if I wanted a personal loan to pay off the debt of my max credit  cards and I told her NO! I'm trying to repair my credit by paying off my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Affidavit of Truth and an Invoice to Convergent Outsourcing, here is the tracking # XXXX. This company have not responded nor paid the invoice. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

There is no third party involved in this situation
Product: Credit reporting or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information reported on my credit report. In my correspondence, I listed the specific accounts in question and detailed the violations they were making to my consumer report. It has been over 30 days since I sent these disputes, and I have not received any response from any of the credit reporting agencies. I am attaching copies of all the letters I sent below for your reference.
Product: Checking or savings account

The people I was dealing with posed as employees of XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, finance and a man by the name of XXXX XXXX with XXXX XXXX and all these transactions were to get me set up for my new job that I was suppose to start on Monday XX/XX/XXXX. They sent me a check on XX/XX/2022 in the amount of {$4900.00} via email for me to print out and I was instructed to use my bank app to deposit and use the funds to pay for services to help get me set up for my new job. The people that sent the check knew it was a bad check and so I was prompted to act fast to send {$2000.00} to XXXX XXXX XXXX and {$1000.00} to XXXX all under the impression that this check was going towards setting up the equipment I purchased through XXXX and ultimately sent to a company XXXX XXXX XXXX ) that was to perform the installation that I later found out was a residence. I am still trying to dispute these charges with XXXX. I then was instructed to get 2 gift cards in the amount of {$500.00} each, I was able to only get one. I did not send them a picture of the front and back of the card. By the time XX/XX/2022 came the bank canceled the check and I was left with - {$500.00} in my checking account. This was activity on my account that should of been a red flag to Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find a credit report showing the XXXX XXXX account is closed and all payments are on time and this account was opened XX/XX/XXXX over XXXX  years and XXXX months and XXXX, XXXX and Transunion are still showing this on my credit report. Please see attachment. And showing like I still making payments on this account for XXXX, XXXX, XXXX and XXXX when this account has been closed. No payments are being made so why is this still showing and the account is closed and over XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my two Capital One accounts, Capital One reported to all three credit bureaus that I was deceased. I received two letters to accept their condolences for my passing. 
I contacted Capital One on XX/XX/20 and they would not give me an answer as to why they reported me deceased. The agent ID XXXX XXXX was working on my claim. I was on the line with agent XXXX XXXX and she was relaying messages b/t me and the XXXX customer care dept. I was refused as to who was the original furnisher and why and was told they couldn't give that information to the agent or me. Capital One is the only entity that have me reported as the deceased. I then called all three credit bureaus to dispute this violation of placing invalid/wrong information on my credit report. I am being denied Homeowners insurance b/c they aren't able to obtain a score. I was unable to check my credit at the time. This has been a depressing hassle to know my credit report had been shutdown. Now my homeowner 's insurance is about to expire and this could possibly take 30-90days. I was also told by Capital One that they could not expedite the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Phoenix financial services about inaccuracies on my credit report. I have two accounts one totaling {$830.00} and the other {$190.00}. XXXX found inaccuracies on both accounts and they were deleted. XXXX deleted the account totaling {$190.00} but Im currently under dispute with the account totaling {$830.00}. I disputed the accounts with XXXX and on or around XX/XX/19 the accounts was removed from XXXX  please see attached picture. On XX/XX/19 I checked my credit report and both accounts were back on XXXX. Its the law that a credit bureau has to give 5 days notice that theyre adding something back on my file and I didnt receive anything and have since redisputed these with XXXX  on XX/XX/19. The representative had no answer to why. I have asked phoenix financial to provide ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Under law phoenix financial is responsible to communicate to all credit bureaus of the inaccuracies and delete items. Its leaving me no option than to start the litigation process if this isnt corrected.
Product: Checking or savings account

On XXXX I was in XXXX Illinois I lost my card dont remember where but I know that was the last day I physically used my card at bar XXXX XXXX an having drinks I noticed XXXX i still was in XXXX il, I didnt have my card I immediately contacted my bank because I noticed my funds was missing from my account my card was used at a XXXX in XXXX il XXXX I was told to go through the dispute process I did so, and on XXXX I was credited my funds I was happy but devastated I missed the holidays with low funds but grateful I was credited my funds back so i thought everything was finished an on XXXX my funds which was XXXX taken away from my account again an I was left in the negative which consists of XXXX