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

Company closed my credit card for the third time and I didnt do anything wrong and they had it reinstated 3 times with three different cards numbers and keep sending me new card numbers in the mail which I dont want and I explain to the rep I didnt apply for a previous application of Hilton honors card at all and this was a fraudulent application America express never ask for a police report and they told me that the account is confirmed fraud and I also received a letter saying that my America express delta sky miles card is restored and I was lied to and tricked and they keep canceling my card three times and if I try get it reinstated fourth time then that card number ending XXXX will be canceled and i never received this card yet .. and Im asking this company to send all my payments back to my checking account I found this is harassment and discrimination and I didnt break the terms and conditions someone stolen my identity on a Hilton honors card and I didnt open any disputes on that card someone did with my stolen identity
Product: Debt collection

unlawful credit card claims made by American Express for passing business credit cards ending in XXXX and XXXX and engaging their law firm in collecting a false claim. I requested evidence of credit cards being personal credit cards and taken into my name with consumer credit card applications and consumer credit card agreements, none was produced since they do not exist. Instead piles of credit card statements were sent that proved American Express engaged in Unfair Debt Collection practices in violation of the Federal Fair Debt Collection Act and New York State Fair Debt Collection Practices law. The piles of statements show that the credit cards were XXXX XXXX, a business credit card for businesses with large cash flow an Simple Business Cash Card issued to XXXX XXXX XXXX XXXX, a XXXX corporation and XXXX XXXX XXXX. American Express own credit card statements are proof that the credit cards are business credit cards and not personal credit cards. Additionally a doctored letter with a XXXX date was sent as somehow it is a debt validation letter when debt validation can only be done by actual signed consumer credit card application application and consumer credit card agreement and not a disgraceful doctored letter with a XXXX date about card ending in XXXX referencing credit card agreement when card ending in XXXX was issued in XXXX, four years earlier. I have attached these proofs to show American Express unlawful conduct
Product: Credit reporting or other personal consumer reports

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by XXXX XXXX XXXX and XXXX XXXX XXXX Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX XXXX XXXX XXXX XXXX XXXX or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX XXXX XXXX and XXXX XXXX XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I disputed a collection on my credit and I said non contract with the company I do n't have a contract with collections agents I need this off my credit boo do n't have a contract with collections agency
Product: Credit reporting or other personal consumer reports

I currently have Fruad accounts and inquiries appearing on my credit report. I have attached an FTC Report for supporting documents.
Product: Checking or savings account

On XX/XX/2024 I made a purchase on a local stores website for {$1200.00}. the confirmation email for order # XXXX said 15-30 days for delivery to the store. on XX/XX/2024, the store and website were shut down due to tax fraud by the owner. I made a police report with XXXX XXXX XXXX office # XXXX and went to my bank ( PNC ). they said I need to go to the stores bank ( XXXXXXXX XXXX  ). They said that it was my banks responsibility. On the XXXX I filed the first dispute with my bank and it was denied. 3 days later I filed a second dispute and it got denied, reason for both denials was " because you authorized the transaction. '' I contacted the FDIC and they sent me to you. the transaction was an e-check ACH transfer.
Product: Credit card or prepaid card

Using my XXXX XXXX card via Synchrony Bank I had filed a dispute with and XXXX provider that will not stand by the one year warranty. The dispute was submitted to Synchrony Bank by filing and online and by phone dispute. Since that time, Synchrony Bank ignores my complaint and keeps asking me for tracking on the return to the merchant. They have been told repeatedly that there is no return and that the merchant refuses to exchange or refund my money. Synchrony Bank tells me that they have tried to reach me but that is also a lie. I get email and letters in the mail saying the dispute is closed then a phone call stating that they are working on it then emails saying it is closed again. They need to have a dispute area where you can actually talk to someone. Please see the uploaded PDF
Product: Credit card or prepaid card

13 months now I've called customer service at Direct Express usdirectexpress to get my card replaced and ran into loopholes and problems every time and they're telling me after about nine months somebody's been trying to fraudulently get the card replaced but the wrong information given to them when I called Direct Express my last three times I know I give me the right information every single time I called Direct Express is denying me a new card around XXXX 2019 I got advocate that works for Direct Express but he has never returned my call I've called that are 10 times gave up The Advocates name is XXXX call on XX/XX/2019 at XXXX XXXX XXXX Pacific Standard Time phone number ( XXXX ) XXXX holding me back at least nine times even gave authorization to XXXX. XXXX. The owner of the mobile phone number that's the voice mail was left on ( XXXX ) XXXX in case I was out you see we got nothing to hide we're not trying to hide or scandalize anybody
Product: Payday loan, title loan, or personal loan

First Franklin financial in XXXX GA has given me two loans since I have been XXXX XXXX military however now when I apply they tell me it's illegal if it's illegal I would like all the fees and interest back.
Product: Credit reporting or other personal consumer reports

Please see attached report. Inquires frim unknown sources
Product: Money transfer, virtual currency, or money service

I am finally a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account in vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with air resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial laws, and I seek appropriate redress for these violations.
Product: Debt collection

A bill for XXXX was sent to me as a debt collection notice from XXXX, out of NJ. I requested proof of the debt upon request for payment. I never received debt validation or a response. I recently receive a another notice about 2 years later from convergent outsourcing INC from XXXX WA trying to collect the debt from the debt collector XXXX I have request debt validation once again via certified letter.
Product: Mortgage

I was on the site XXXX Which is an auction site for foreclosures that banks are trying to sell I properly setup an account I saw a property in my home town of XXXX XXXX the property address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was owned by Ocwen Mortgage to whom I had to get approved by them to end the auction at the buy it now price of XXXX XXXX dollars which they asked if I was willing to accept the property for the price with the house having extensive damage with necessary rehabilitation to live there and I agreed on the basis that I would need financing of the property price not the repairs just the price they had aggreed to end the auction with approval for financing I sent over my information gave my notice at my apartment I lived in and set up all necessary information for the closing process started packing my home and the bank Ocwen called and said so how will you be paying for the house I replied I thought that you were going to finance me they said no we are n't going to do that I said that was our agreement they said no you need to secure financing on your own they then relisted the house and left me homeless I 'm hoping something can be done about this
Product: Checking or savings account

I submitted an online joint checking account application on XX/XX/2022, in advance of getting married on XX/XX/XXXX, pursuant to an introductory offer stating that if I submit a certain amount of money within 20 days I qualify for a bonus payment. I never heard back from Citibank that it was opened until I arrived back from my honeymoon on XX/XX/XXXX with a debit card sitting in my mailbox. On XX/XX/XXXX I called them up to see if my account was opened and they said yes, on XX/XX/XXXX, which coincidentally caused the introductory offer to have no bonus eligibility passed XX/XX/XXXX. I explained to XXXX levels of customer service that if Citibank had never let me know when the account was opened, how I am supposed to know when the 20 days begin. I asked for the 20 days to be reset to the day I was alerted the account was opened, which was today, XX/XX/XXXX. They said they couldn't do that, nor could I apply again because I am now considered a customer of Citibank because my account was opened. They claim they sent me an email on XX/XX/XXXX, which I never received, nor do I suspect was ever sent. I believe this to be fraudulent marketing and an inducement to onboard clients.
Product: Credit reporting or other personal consumer reports

I was A Victim of Identity theft and someone used my information to open Bank Accounts Under My Name And collect money without my consent or knowledge!
Product: Credit reporting, credit repair services, or other personal consumer reports

i filled a dispute in regards to the incorrect items in my credit report it has been well over 30 days and i haven't received any investigating reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( XXXX.Experian, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX XXXX  XXXX Date Opened XX/XX/2012 Balance {$0.00} )
Product: Debt collection

OnXX/XX/XXXX I ordered a copy of my credit report & seen a WALMART CREDIT CARD/CAPITAL ONE BANK/XXXX XXXX on my account from XX/XX/XXXX in the amount of XXXX $ I have no clue how this account was created in my name. The debt was placed in collections the number attached is XXXX. The collection was opened on XX/XX/XXXX. IN XX/XX/XXXX I PLACED A FRAUD ALERT ON MY REPORT WITH THE 3 CREDIT AGENCIES. I WOULD LIKE THIS ACCOUNT REMOVED FROM MY REPORT ASAP!!
Product: Debt collection

On XX/XX/XXXX I was served papers saying I was being sued by Portfolio Recovery Services in the justice court XXXX XXXX XXXX county texas On XX/XX/XXXX I appeard in precint 4 court and meet with Judge XXXX, Porfolio Recovery Services representing attorney XXXX XXXX. We agreed to a one time lumpo sum payment to settle the case of {$2000.00}. The {$2000.00} was paid on XX/XX/XXXX and notification via email was sent to XXXX XXXX. Again, The {$2000.00} was to pay the case in full. 
On XX/XX/XXXX I reached out to the XXXX XXXX law firm XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and asked why I havent seen an update in my credit report, they verivied they received payment in full and that I would have to contact Portfolio Recovery Services. I then reached out to Portfolio recovery services and they verified that they received the payment and that my credit report would be updated as they are still reporting that I owe them the remaining balance of {$710.00} I waited and watched for 6 months for my credit report to update with accurate information. I called Portfolio Recovery services on XX/XX/XXXX and they informed me that they needed more time to update the credit report with accurate information. I also have emails trail with attorney agreeing to settlement and notification that I paid the {$2000.00}. 

I believe they have had enough time to do their reporting correctly and accurately. The collection agency should report zero balance and settlement reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging Experian 's results regarding the dispute for account XXXX XXXXXXXX XXXXXXXX. Experian notified me via email that my results were available and that the account was verified and updated, but the late payment is still there, and they failed to explain how the account was verified. I filed a dispute twice and still no proof of the late payment being accurate. The report number for both disputes are XXXX and XXXX. I am now filing a complaint with the XXXX  because this is false reporting and I have notified Experian of the inaccurate reporting, and I do not believe that they are conducting a proper investigation. I will attach the billing error letter along with the proof that a payment was made. I am demanding that Experian delete the late payment and update the account to paid as agreed, never late. I do know that Experian is violating many FCRA regulations and if this is not handled in a timely manner, I will be seeking legal action and compensation of {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keep saying they are reporting correct information about my XXXX account, ending XXXX. XXXX is NOT reporting correct information. My XXXX report has my account status and payment status as, collection charge off. I do understand that was the case then, but that is NOT the case now. This collection has been PAID in full. Also each month since the charge off has been paid in full, they are still porting payment status as Collection. Im trying to be professional about this and not use foul language, but this is XXXX me the XXXX OFF that thy can not update the current account status and payment status. I know what section 609 states and I know if sates they much report accurate information, but in this case they are state because my payment status each month still reports as a collections, which is not in collections any more since it was paid in full in XXXX. They account status should reflect PAID COLLECTIONS, no where on my report does it reflect it account was paid
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife cancelled her Experian credit monitoring services on XX/XX/2020, and received the cancellation email from Experian as confirmation. However since then, our credit card has been inappropriately charged {$12.00} per month. 

Ive already called the number provided within Experians cancellation email ( on at least 5 separate occasions over 7 months ) to inform Experian of the inappropriate charges to our credit card. Experian has refunded some ( not all ) of the charges over the past 7 months, but they still keep charging our credit card {$12.00} per month - even after they keep telling me everything has been cancelled and assure me that they cancelled it correctly this time.
Product: Debt collection

Request for Investigation Regarding Consumer Adjustment Co.

Dear CFPB, I am writing to formally request your assistance regarding an issue I have encountered with Consumer Adjustment Co. I previously sent a certified letter to them on XX/XX/year>, requesting a bill of sale and chain of assignment related to my account. Unfortunately, the only response I received was a statement from the original creditor, which does not fulfill my request. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I have the right to request validation of my debt, which includes obtaining documentation to substantiate any claims made against me. The information I requested is crucial for verifying the legitimacy of the debt and ensuring accurate reporting on my credit file. The failure of Consumer Adjustment Co. to provide the requested documentation concerning the bill of sale and chain of assignment may constitute a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires furnishers of information to investigate and respond to disputes regarding the accuracy of information provided to credit reporting agencies. Given these circumstances, I ask that the CFPB investigate this matter and take appropriate action to ensure that Consumer Adjustment Co. complies with my request for the necessary documentation. I believe that obtaining this information is vital to protecting my rights as a consumer. Thank you for your prompt attention to this matter. I look forward to your assistance and guidance in resolving this issue. Sincerely, XXXX XXXX
Product: Credit card

I am a victim of identity theft. In XXXX 2015 some one opened credit cards with Bank of America and XXXX XXXX in my name. I came to know about this only in XXXX 2015. They left a high balance of {$15000.00} with the boa credit card and another of around {$5000.00} with XXXX XXXX card. I came to know of this only in XX/XX/XXXX from a credit report alert. 

The banks are holding me responsible for the balance on these cards even though I have nothing to do with the credit cards.
Product: Credit reporting or other personal consumer reports

I have just obtained a copy of my credit report and noticed the following errors. XXXX ) XXXX  XXXX XXXX XXXX ACCT # XXXX I do not have a contract with this company. Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of disputeit has been 6 months! 2 ) XXXX XXXX ACCT # XXXX, This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation. I have attached documentation as from the fraudulent collection response STATING TO HAVE THIS DELETED as soon as possible.
Product: Credit reporting or other personal consumer reports

Escalation of Unresolved FCRA Violations by Equifax - Third Notice I am filing this third complaint against Equifax for their continued willful non-compliance with the Fair Credit Reporting Act ( FCRA ). This complaint follows two previous unresolved complaints : 1. Initial CFPB complaint # XXXX submitted on XX/XX/2024 XXXX. Second CFPB complaint # XXXX submitted on XX/XX/2024 Nature of Complaint : Equifax has demonstrated a pattern of non-compliance with FCRA requirements by : 1. Failing to respond within the mandatory 4-business-day timeline to block disputed items as required by FCRA 605B ( 15 U.S.C. 1681c-2 ) 2. Ignoring multiple FTC Identity Theft Reports ( Numbers XXXX, XXXX, XXXX, XXXX ) XXXX. Failing to conduct the required reinvestigation under FCRA XXXX ( a ) ( XXXX ) ( A ) XXXX. Not providing the legally required description of their verification procedures under FCRA XXXX ( a ) ( XXXX ) ( B ) ( iii ) XXXX. Maintaining disputed information without proper verification, in violation of FCRA XXXX ( a ) ( XXXX ) ( A ) Timeline of Non-Compliance : XX/XX/2024 : Initial CFPB complaint filed ( Complaint # XXXX XXXX XXXX : Second CFPB complaint filed ( Complaint # XXXX ) XX/XX/2024 : No action taken by Equifax after 5+ days This pattern of non-response and non-compliance suggests willful violation of FCRA requirements. Under FCRA 616 ( 15 U.S.C. 1681n ), willful non-compliance subjects Equifax to : Actual damages sustained by the consumer Statutory damages of {$100.00} to {$1000.00} Punitive damages as determined by the court Costs of the action and reasonable attorney 's fees Requested Resolution : I demand immediate action from Equifax to : 1. Immediately block all disputed items referenced in my previous complaints XXXX. Provide written documentation of : o The specific method of verification used for each disputed item o Names and addresses of all information furnishers contacted o Explanation for their failure to respond within statutory deadlines XXXX. Remove all unverified items from my credit report XXXX. Provide compensation for any credit denials or adverse actions taken due to their non-compliance I request that the CFPB : XXXX. XXXX Equifax 's pattern of non-compliance XXXX. Enforce the statutory deadlines and requirements under FCRA XXXX. Consider this repeated non-compliance when evaluating penalties XXXX. Ensure Equifax provides written confirmation of all actions taken within XXXX days Previous Reference Numbers : CFPB Complaint # XXXX CFPB Complaint # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX I authorize the CFPB to share the details of this complaint with other government agencies if necessary for resolution or enforcement purposes.