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

-I have an American Express Card account that I have had for 25 years which was arbitrarily canceled by Am-Ex because of their error. 
-In XXXX several vendors charged my card recurring charges that I did not authorize. 
-I tried repeatedly to get the vendors to stop and also to get Am-ex to stop authorizing them. 
-Am-Ex said they could not block these charges and advised me to change my card -Twice I changed my card but that did not stop the charges -Finally Am-Ex advised that I should change my entire account number and assured me that it would stop all recurring charges. 
-It took several months and great inconvenience for me to get a new account number and card. But I was eventually able to complete this. 
-Only to find several months later that they had not canceled the old card number and were still allowing charges. 
-I paid whatever was valid but told them that they must cancel the old card because I could only manage one card and one account. 
-Recently during COVID I found out that the old card was left open and not canceled when I received a call that payment for it was overdue 120 days ; That they allowed charges I had not authorized. I had no knowledge that the old card, and account, was still open. 
-I informed am-ex that the card was supposed to be canceled and I had not authorized the charges. 
-I was told that the credit department does not speak to the dispute department and that I had to filed a dispute which I did. 
-They removed the charges however, at the same time they canceled my new replacement card and account because of the past due payment for the old account that I had no knowledge and for charges that I did not authorize. 
-The credit department claimed in part they canceled my account because I did not answer their call. They called when my sister was sick and then later died. During that time period, they canceled my account of 25 years. 
-They further canceled my 22 years of rewards points which was the only reason I had an Am-ex card and which I was saving for a large family trip. 
-After they removed the charges on the old card they said they would restore my valid card and account along with my rewards points. However, they later refused to do so because they said I had a poor credit rating despite the fact that I had paid my bill on time for the past 25 years. 
-After they arbitrarily closed my account and robbed me of my 25 years rewards points I informed them that I would not pay my current balance because the value of my rewards points far exceeded my balance. 
-Also since it was the only charge/credit card I had it has caused great harm to my credit and financial situation to arbitrarily cancel my account. 
-The initial cancelation was due to an error on their part for an account they were supposed to cancel and charges that were not authorized. 
-In the past 25 years, American Express has earned over {$22000.00} from my charges and since they breached my contract with them I want to be reimbursed for those charges.,
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report
Product: Mortgage

This loan was with XXXX XXXX who sold it to SPS. 
SPS is telling me there is no authorization on file to speak with me yet XXXX XXXX has everything and should have transferred all of it to SPS. They will not contact XXXX XXXX to obtain that information. 
Suddenly the mortgage company, SPS, is escrowing my taxes and insurance when previously all they had escrowed was flood insurance.
Product: Money transfer, virtual currency, or money service

Bank of America has charged overdraft fees during COVID, after stating they will not charge during that time. And multiple instances where my account information was stolen, money used, but was not given any information if the person was charged with stealing
Product: Debt collection

I contacted the collection agency yesterday XX/XX/2020 to inform them that I dont owe or acknowledge the account balance that was owed to the account from the original creditor that claims that I owe them the amount of XXXX I would like for this account to be deleted because it is a fraudulent account not owned by me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The following Accounts : Loan Lender : XXXX XXXX Loan Amount : {$28000.00} Account # XXXX
Product: Student loan

I have been in PSLF-eligible payments since XXXX of XXXX. FEDloan is documenting only 48 qualified payments out of 82 ( 12 payments in each of XXXX plus 10 payments in XXXX so far ). I have always had PSLF-qualified loans AND payment plans. I have submitted employment eligibility  regularly over the years, and that is documented in my accounts.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Ive had the Cashapp app for over 4 years. Ive updated my debit cards after expiration over the years into the app without any problems. Now that my current debit card has expired, Cashapp is not allowing me to add my new debit card number into the system and I do not know why. They have not provided me an explanation. I would like to know why.
Product: Debt collection

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : RADIUS GLOBAL SOLUTION To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from Radius Global for XXXX, one is {$410.00} and one is {$220.00}. Both account statuses show past due and they should not say that as these debts are not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by Radius Global is a VIOLATION of the HIPAA Act of XXXX. 

Radius Global did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Radius Global as well as XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. Radius Global is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against Radius Global, XXXX XXXX, and all 3 credit bureaus : XXXX, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from Radius Global expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Product: Debt collection

I recently got a copy of my credit report & I saw a company " Caine & Wiener '' stating I owe them {$5700.00} for XXXXXXXX XXXX XXXX XXXX. I've never rented a car from them. I contacted the police & they told me I may have been a victim of identity theft.
Product: Debt collection

I had an overdue balance on my XXXX account in the amount of {$430.00}. I initially had a 24 month contract which provided promotional pricing. However, as the end of the contract was coming up, I was unable to login into my online account. XXXX locked me out of my account even though I still had and was paying for service. Each time I called XXXX Customer Service, the wait was over an hour. So I continued to pay the high monthly price even though I really couldn't afford it. It's almost impossible to get through to someone unless you have at least an hour, but usually more, to set aside to call them. 
My service was disconnected in XX/XX/XXXX due to nonpayment. I contacted XXXX XXXX on XXXX ( see attached ) XXXX refused to close my account after my contract was over and until I returned the equipment. This resulted in charges from XX/XX/XXXX through XX/XX/XXXX. ( see correspondence with XXXX XXXX on XXXX ) even though I did not have service. Moreover, I had requested XXXX close my account which they refused to do until the equipment was returned, thus incurring additional monthly charges for services I did not even have. 
I had trouble going in person to return the equipment because of the limited hours they were open. If I returned the equipment via mail, it would take ten days before XXXX would update my account and would continue to be charged until it was received. 

I was finally able to return the equipment on XX/XX/XXXX ( see proof ) via UPS office although I was nervous doing so. XXXX then credited my account in the amount of {$340.00} for the equipment rental. They did not credit my account for a portion of the monthly service charge even though I didn't have service and I requested they close my account. They charged me even after I requested my account to be closed and refused me access to my online account. 
XXXX then put my account in collections on XX/XX/XXXX through CCS Collections in the amount of {$430.00}. This is more than three months after the equipment was returned and the account closed and paid. I have attempted to dispute the information with all three credit reporting agencies, however the account is still showing as an open balance under Collections on my credit report in the amount of {$430.00}. My XXXX report states the account information disputed by consumer, meets FCRA requirements but clearly, this is not inaccurate.
Product: Student loan

I started an online chat after not being able to find a specific document. The chat agent kept telling me to log onto my account although I was already logged on and had to be signed in to be able to chat. He repeated told me my fixed payment, but was unable to give me information how to obtain the document that showed what he told me. I needed a payment estimate for my mortgage company. The agent kept me on chat for about an hour and never resolved my issue and often stopped responding and I didnt know if they were still on the chat.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report, please remove these account from my report, they are hurting my ability to obtain credit.
Product: Prepaid card

The gift card that I purchased has had fraudulent charges placed on it and I have lost nearly all of the value on the {$200.00} prepaid U.S. Bank MasterCard gift card that I purchased from Office Depot. I did not make the purchases and I still have possession of the card so I 'm not sure how these charges were even made.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX  has XXXX, ACC # XXXX  as Date Opened : XX/XX/XXXX, however Experian has the following info claiming to be accurate as Date Opened : XX/XX/XXXX, and XXXX  has the following info claiming to be accurate as Date Opened : XX/XX/XXXX. XXXX  has XXXX, ACC # XXXX as not showing on the credit report AT ALL, however Experian has the following info claiming to be accurate as High Balance : {$0.00}, last payment not showing anything, and the credit limit as {$7000.00}, and XXXX  has the following info claiming to be accurate as High Balance : {$7000.00}, last payment XX/XX/XXXX, and the credit limit as not showing on the credit report. XXXX  has XXXX  XXXX, ACC # XXXX as not showing on the credit report AT ALL, however Experian has the following info claiming to be accurate as High Balance : {$0.00}, last payment on XX/XX/XXXX, and the credit limit as {$3200.00}, and XXXX  has the following info claiming to be accurate as High Balance : {$3400.00}, last payment XX/XX/XXXX, and the credit limit as NOT showing on the credit report. XXXX   has XXXX  XXXX XXXX  XXXX XXXX, ACC # XXXX as not showing on the credit report AT ALL, however Experian has the following info claiming to be accurate as High Balance : {$14000.00}, last payment XX/XX/XXXX, and Payment Status : 150 Days Late, and XXXX  has the following info claiming to be accurate as High Balance : {$0.00}, last payment XX/XX/XXXX, and Payment Status : 120 Days Late. XXXX  has XXXX XXXX XXXX, ACC # XXXX/ XXXX as not showing on the credit report AT ALL, however Experian has the following info claiming to be accurate as XXXX XXXX XXXX  , ACC # XXXX  High Balance : {$7600.00}, last payment XX/XX/XXXX, and Credit Limit : {$7000.00}, and XXXX  has the following info claiming to be accurate as XXXX XXXX XXXX, ACC # XXXX   High Balance : {$7000.00}, last payment XX/XX/XXXX, and Credit Limit : {$0.00}. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please DELETE the following account from my credit profile immediately!
Product: Debt collection

I have repeatedly asked XXXX and XXXX to dispute the validity of this account but this creditor ( XXXX ) formally ( Carfinance.com ) says that its my loan. Ive stressed many times that this does n't belong to me and have asked for loan documentation and a letter of validation to only be told it was sent and it cant be sent again, I ask where was it sent to and they cant say.
Product: Debt collection

Equifax Information Service LLC, This company is violating the Fair Credit Reporting Act with bad business practices. 

XXXX XXXX XXXX is reporting two incorrect and inaccurate accounts to Equifax. ( XXXX ) XXXX # XXXX. And a balance of {$2000.00}. ( XXXX ) XXXX # XXXX. And a balance of {$2700.00} the second account ending in XXXX is a public record account a judge has made a decision on that account, I have attached the judge decision letter, Equifax policy is not to report public records but they violate their own policy which is not law, I have sent multiple dispute for these to accounts but Equifax verify these accounts as VERIFIED without sending me a copy of a contract with me and XXXX XXXX, I stated that I never give XXXX XXXX  any permissible purpose to obtain my information XXXX XXXX bought or stole my information without my consent using it to cause me and my family harm, While Equifax is in compliance with XXXX XXXX  to damage my credibility. EQUIFAX failed ignore and denied my request as a consumer when I asked for a written contract or a oral contract or transaction history or a video surveillance to proof that I owned XXXX XXXX for any loan. According to the FCRA U.S.Code-1681b and according to Privacy Act of 1974, as amended,5 U.S.C. 552a Equifax close the window on these laws and violate my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM HAVING A SERIOUS ISSUE GETTING SOME ACCOUNTS REMOVED OFF OF MY CREDIT. I HAVE SENT 5 DISPUTES TO EXPERIAN, XXXX  AND XXXX. I CAN NOT SEEM TO GET THEM TO DELETE THESE LAST FEW FRAUDULENT ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, this letter is a formal request to remove the following outdated information from my credit report. 
1. XXXX XXXX XXXX - XXXX In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 
1681c ] reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired as of XX/XX/2016, Per the state of Florida Statue of limitation of 5 years for derogatory credit accounts. 

I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. 

Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter. 

Thank you for your consideration and cooperation in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of an unauthorized hard inquiry on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. This inquiry has adversely impacted my credit report and may affect creditworthiness. I kindly request that you investigate this inquiry and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. & 1681b ( Permissible Purpose ).
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

XXXX XXXX card issued by Barclays. Barclays stubbornly refuses to provide the additional XXXX points for {$6000.00} spent within the first year, and only credited the base XXXX based on {$1000.00} spent within 90 days. Barclays reps are poorly equipped to handle and discuss card features much less read the disclosures. Again, the card does not call for aditional {$6000.00} to be spent, instead it merely calls for {$6000.00} net for the year. Client qualified for XXXX points, double the XXXX points he was awarded.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I was under the impression that I could open up a checking account with Bank of the West, especially considering they are a local branch with XXXX locations in my very city. I think its ridiculous that they do all these advertising and then deny someone with XXXX credit score. I should be granted this checking account so I can set up direct deposit through my employer and use this account for everyday use. Why would you push away a local person to bank with you? This was false advertising for me.
Product: Credit reporting or other personal consumer reports

The Affected Consumer brings this action against XXXX Information XXXX XXXX XXXX ( XXXX or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) ( b ), 5564, and 5565. This action alleges that XXXX violated both Acts by failing to reasonably reinvestigate consumer disputes challenging the accuracy or completeness of information in consumer reports, including by failing to forward all relevant information to furnishers, failing to provide adequate or accurate notice to consumers of the outcome of their disputes, and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in consumers files.