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

Customer Advocate Services Team, American Express, XXXX XXXX XXXX, XXXX XXXX XXXX, UT Subject : American Express Plenti Credit card Account Ending in XXXX - Alleged Discrimination - Customer Service Experience I called XXXX XXXX XXXX PCT XXXX regarding address changed above card answered name called Supervisor XXXX ( Customer Service Center in FL ) treated me so unprofessional. I felt she treated me as Discrimination due to way I talk. She said ARE YOU TALKING ENGLISH OR WHAT? I CAN NOT UNDERSTAND YOUR ENGLISH Please review my call and verify how about customer service. I am customer since XXXX and she never treated me as a valued customer. 
This is a second complain I made this month regarding your customer service and Please dont treat different ways for customers Today I am so very disappointed way your bank treated me. Please make sure it wont happens future customer. 
If you want more information call me XXXX Thank you. 
XXXX XXXX
Product: Vehicle loan or lease

Acc # XXXX. Turned this vehicle in XX/XX/20. XXXX XXXX in XXXX, AZ. Leased another XXXX  at that time through BMW Financial.Requested vehicle inspection when I picked up new vehicle and turned in old on XX/XX/20, was told they do not do that, vehicle will be inspected at later date. I said I do not want to be liable for charges that I can dispute in person, again told they do not do that. There was no correspondence between XX/XX/20 and a letter I received on XX/XX/20 demanding payment of XXXX or will go to collection. I did not see this online until last payment made on XX/XX/20 on my new vehicle, just magically appeared. What was happening between XX/XX/20 and XX/XX/20 that I was not notified and now threatening collection. Isn't there a time limit for providing bill.
Product: Money transfer, virtual currency, or money service

My account was hacked on crypto.com the hacker charged my bank over 300 dollars and stole all my crypto except the crypto that was in crypto earn it was locked for 3 months! I reported the incident right away called my bank and reported the fraudulent charges and waited weeks for crypto.com to investigate! They finally got back to me and said it was my fault even tho I had every security measure they offered 2fA with facial recognition and being texted a code when I log in! The hacker changed everything to euros sold all my crypto tried to charge over 300 to my bank in new charges and transferred everything to XXXX gift cards in euros and sent them to themselves! Now crypto is refusing to release what crypto I have left and said I must call my bank and to undo my fraud complaint to release my crypto back to me! Ive repeatedly tried to talk to a manager and they refused to do anything! So not only was I robbed but they refused to let me transfer what little crypto I have left and close my account!
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I looked at my report. I sent a letter to XXXX on XXXX XXXX asking them to reinvestigate these accounts : Citi Cards/Citibank , and here is my account number : XXXX XX/XX/2024, they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 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 agency shall ( 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. 

and according to 15 USC 1681eb they are supposed to ensure 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.

And according to 15 USC 1681s-2 this is suppose to happen ( 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. 

XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.
Product: Credit reporting

I wanted to close a security freeze lift I had placed on mycredit file earlier than originally input. Experian providesno means to accomplish this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Credit Report and found XXXX put a charge off on my credit report for the amount of {$1600.00}. On the date of XXXX XXXX, XXXX I wrote XXXX a certified letter asking for validation that is competent evidence bearing my signature. 
SYNC/CARECREDIT received the certified letter on the date of XXXX XXXX, XXXX. 
XXXX responded on the date of XXXX XXXX, XXXX Stating they reviewed the account and verified that they have reported this account information as it appears in my file, to the credit reporting agencies, XXXX XXXX XXXX XXXX XXXX And further state that they can not delete or modify the status as it reported. 
XXXX sent another letter in response to the first letter. XXXX also states that the account in question was sold to XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. 
XXXX never provided me with the validation I requested, and never acknowledge that the file in question was being formally disputed. 
On the date of XXXX XXXX, XXXX I wrote another certified letter to XXXX stating that they did not validate the debt in question via bearing my signature. 
XXXX received the second certified letter on the date of XXXX XXXX, XXXX I never received a response to the second certified letter. 
On XXXX XXXX, XXXX I pulled my credit report to find out if XXXX had marked my credit report as disputed. And found that XXXX had not marked my file as disputed, and as to this day of XXXX XXXX, XXXX my file is not labeled disputed. 
I sent a third certified letter to XXXX on that date of XXXX XXXX, XXXX notifying XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XXXX XXXX, XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX received the third certified letter on XXXX XXXX, XXXX And yet again XXXX has failed to respond to the certified letters I have sent to them.
Product: Student loan

I submitted a complaint back in XXXX against XXXX XXXX XXXX who was trying to collect money for a student loan for XXXX XXXX XXXX XXXX in the amount of {$15000.00}. I opened this loan back in XX/XX/XXXX with XXXX XXXX XXXX not with the XXXX XXXX XXXX XXXX. I was paying them through American Education Services ... it was different company at first and then it changed to AES. I had been paying on this loan since XX/XX/XXXX and the loan amount never changed. I never missed a payment or been late on a payment so technically the loan has been paid in full already. I did n't stop paying on the loan until I filed bankruptcy. XXXX XXXX XXXX XXXX never appeared for the bankruptcy hearing to dispute discharging the loan. Now my credit is being hit and I have been sent to second collection XXXX XXXX XXXX XXXX since I reported XXXX XXXX to you bank in XX/XX/XXXX. XXXX XXXX XXXX has called me several times harassing me about paying the loan in the amount of {$16000.00}. The company I originally open the loan with went bankrupt and transferred my loan over. Also they do not have a signed copy of a promissory note by me because of these facts I know they I do not have to repay this loan. I fill as though my rights have been violated and would appreciate if you would assist in the matter again. I recently checked my credit report and the Loan has been closed out since I last reported the issue with you regarding the XXXX XXXX. So I am not sure why XXXX XXXX XXXX is contacting me when the loans has been closed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021
Product: Mortgage

Received a surprise statement dated XX/XX/XXXX that our monthly payment is late. Checked my XXXX XXXX XXXX and amount for XXXX was deducted from billpay. Upon calling UWM, they said payment was not received. 

So was advised by customer service to get a transmittal report from bank. According to bank, UWM does not have electronic bank in, and hence a check had to be mailed to them. And therefore, the bank can not send them a transmittal report but instead, has sent a letter of good faith. 

Read a number of complains that their automatic payment is not smooth either, involving multiple complications. So I am not doing it. 

I have since made four payments in total to them via XXXX XXXX XXXXXXXX Billpay. In the mean time, I kept getting harassing calls and voicemails reminders that they are collecting a debt. 

When speaking to them, no one seems to be able to put an end to why the XXXX check was returned, snowballing the issue. Why it has taken so long to receive payments when my payments have been always timely prior to XXXX. 

Received another statement today in the mail with notifications of late payments for XXXX with words that menacingly threaten " failure to bring loan current may result in fees and foreclosure- the loss of your home ''. 

I have made an appointment with the bank tomorrow to see what is going on with my payments. According to my bank app, the payments have left my account on XX/XX/XXXX. 

Please investigate this.
Product: Mortgage

I contacted Loancare regarding a loan modification request. The company sent me correspondence with the modified loan amount and said that I had to contact them to accept or make a payment by XX/XX/2023. I immediately started to contact the company on XX/XX/XXXX and have tried to call them every business day since then. The few times that I was able to speak to a representative, I was told their systems were down and they couldnt answer any questions. Today I received a bill for {$3800.00} which is at least twice the amount of my normal payment and the statement said the payment was due XXXX. I am not late in my payments. Of course, I tried calling several times and was unable to reach anyone. I couldnt have a payment because their website has been down. I just have questions about the statement that I received today because the amount scares me. Also, I would like to know if I have my normal grace period for mortgage payments with the loan modification. I have even sent a letter by email with my concerns with no results.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

No actions has been taken by the company XXXX. I have taken all actions and necessary steps XXXX XXXX has asked me too. XXXX XXXX could not help me. I was passed around from department to department as you will see below as I took notes of each person I spoke with. Faxes where sent etc and I have not received any feedback/response from XXXX to have the inaccuary reportings removed from my credit report. I would like for someone to handle this matter immediately Notes On XXXX  XX/XX/XXXX, I received a call back from XXXX in the executive office stated I needed to call XXXX XXXX XXXX  at XXXX to dispute the fraudulent transactions from XX/XX/XXXX thru XX/XX/XXXX. I called XXXX XXXX XXXX XXXX, spoke with agent XXXX XXXX XXXX she couldnt help me and advised me to call base Collections department at XXXX where I spoke with agent XXXX ID # XXXX stated he saw in the account where I submitted those Transactions disputes a number of 3 times on the year of XXXX and they all came back valid. I expressed to XXXX that Ive requested via fax and phone for XXXX to provide proof of my responsibility of those transactions. XXXX stated I need to speak with another department at phone number XXXX and they are open XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX  XXXX called XXXX, spoke with XXXX in XXXX XXXX XXXX XXXX department where that department if customer not satisfied with dispute results and can request for proof transactions are customer responsibility. XXXX stated there were XXXX cases on file and they all your rules as valid. I requested for XXXX to send me via mail or email proof that I am responsible for the charges, XXXX stated I needed to speak with another department. I then spoke with XXXX ID # XXXX in XXXX XXXX Department where she stated I had already filed XXXX cases of the same issue dates of XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. XXXX stated I needed to file another claim. At that point she couldnt help me neither. Throughout this entire process I have been getting the run around from XXXX since XXXX for this XXXX Account. No one can assist. Every department is putting the matter off on another department to where this entire process has become extremely frustrating and exhausting. I have never received any letters from chase in response to the XXXX cases that were filed. I ask for proof, they have failed to provide proof over a course of XXXX months. 

I would like for this account to be removed from all my credit profiles this negative and i account is reporting on.
Product: Checking or savings account

BBT frequently blocks access to my account and prevents me from taking money from my account under the pretense of security. Each time they put a block they asked that I step inside a branch with 2 forms of ID and then have to go through the excruciating process of sitting down with a banker and then call the fraud dept which has a 30-45 min hold. I had already stepped in the branch 2 weeks ago and now they are asking that I do that again - because I had submitted a bill pay. It is shameful that they hold customer funds this way under a security pretense.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still accounts on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information to the accounts listed below be fixed immediately : 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

Incorrect Names and Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, Fraudulent Accounts : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX. ) XXXX, XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i have a loan with Specialized loan services which was put on forbearance because of COVID 19 and everything being on lock down from XXXX until XXXXRight before end of the period i called my lender and spoke about options to repay the debt which the agent was kind to set one for me in the next 6 months.I payed the amount i needed to pay at that moment which i was instructed to do and than waited for another month to do my next payment.Next month came in and the agent on the phone had no clue what happened and said to me that there is no repayment plan going on on my loan and that he had to do it all over again and also checked and confirmed that the agent before him just submitted a payment and that was all. 
After XXXX XXXX did background check on my credit report they noticed one late payment that was reported from SLS and they did not wanted to take that out of my profile because apparently from their view i have missed a payment.Totally unfair for me to have that on my account after pandemic and not knowledgeable staff from their company to not guide me correctly in situations like this.I want full investigation from their side and a sweep on my account for present negative actions on my profile.T Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent my dispute letter to XXXX XXXX, Eqifax and XXXX on XX/XX/2021. I have not heard back about my dispute with the inquires. I did call the all 3 bureaus and sent the letters asking that the inquires be removed from my profile because I did not approve them. I am not able to get the issue fixed. I have waited over a month for a response.
Product: Credit reporting or other personal consumer reports

This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I contacted Equifax and informed them that my {$10000.00} personal loan with XXXXXXXX XXXX  was paid in full and the account was closed. Equifax sent me mail indicating ( received XXXX XXXX XXXX  ) that the information they have in their file was " Verified As Accurate ''. The information is NOT accurate because I do not have a balance on this account and my credit report still shows a balance!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, this notification should not be charged. 

Items in question XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX