23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against American Express ( Amex ) for failing to resolve a dispute concerning a {$20000.00} charge on my account. I was scammed by a fraudulent XXXX mentorship course and have provided Amex with substantial evidence to support my case, but they have denied my refund request. 

*Details of the Situation : * - *Date of Transaction : * XX/XX/year> - *Merchant Name : * XXXX XXXX - XXXX XXXX Dispute : * {$20000.00} - *Nature of Dispute : * Fraudulent transaction for a supposed Airbnb mentorship course, which turned out to be a scam. 
- *Evidence Provided to Amex : * I submitted a claim with Amex and they did not even ask me for any documentation in regards to this claim. I have documentation that shows that the merchant is not responding and not providing the service that I paid for. 

Despite this, Amex has closed down my claim. They did not even approach me or the merchant to ask for any information or even actually investigate the claim. 

I initially contacted Amex in good faith, providing all requested documentation to support my claim that the transaction was fraudulent. Despite offering clear proof of the scam and the deceptive practices of the merchant, Amex informed me that they would not refund the charge. They stated that I would have to contact the merchant to request a refund. This decision seems unjust given the nature of the situation and the evidence I submitted. 

I am extremely disappointed by Amexs lack of action, as I believe they have not adequately investigated or reviewed my case. I trusted Amex to provide protections against fraud and I now feel that they are not holding up their end of the agreement.
Product: Credit reporting or other personal consumer reports

Experian not doing investigation into dispute of credit accounts. Falsely deleting and re-adding them back onto report. With collections bills that shouldnt be on their or charge off accounts. 

Resubmitting them over and over again without any proof of ownership or any short of proper documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account is fraud I don't have any relationship with this Account I never did any business or open any account with this company
Product: Credit reporting or other personal consumer reports

I had my identity stolen a few months ago. I froze my credit at all three major bureaus, and things were fine for awhile. However, a few weeks ago I got another credit card in the mail that I did not apply for. I contacted the 3 credit bureaus, and was fine at XXXX and XXXX. However, at Experian, I found out that I could not get into my account because someone had changed the email on file to an email that was not mine. I spent literal days trying to speak to a human being, but could not get anyone on the line. I submitted an email and online complaint on XX/XX/XXXX, and have not heard from anyone. Someone else has access to my Experian account, and all I get are robots. I can't get a human being to help me. All I need is to change my email address on file. That's it. And I can't speak to a human being. Completely ridiculous. Thanks for any help in advance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX TX XXXX Re : Dispute of Charge Off Account ( XXXX ) Dear Sir/Madam, I am writing to dispute the charge off listed on my credit report for the above-referenced account ( XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX ). I believe this information is inaccurate, incomplete, or unverifiable, and I request an investigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Under 15 U.S. Code 1681i, I have the right to dispute any information that I believe is incorrect. You are required to investigate this charge off and verify its accuracy, including compliance with XXXX XXXX standards for reporting. XXXX XXXX guidelines outline strict formatting and reporting requirements to ensure consistency and accuracy. If this account does not meet the XXXX XXXX compliance standards, or if it can not be verified, it must be corrected or deleted from my credit report.

Furthermore, under 15 U.S. Code 1681s-2, the creditor ( or furnisher ) of this information is legally required to report only accurate and up-to-date information to the credit bureaus. If they fail to provide proper documentation to validate this charge off or meet XXXX XXXX requirements, the entry must be promptly removed. 

Please treat this dispute with urgency and provide me with verification within the legally mandated 30-day time frame.

Thank you for your attention to this matter. 

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

Please have this accounts remove from the 3 credit reporting agencies as they does not belong to me and i need them to be completely erradicated. Here i let a list of the accounts : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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. 


XXXX EXPERIAN XXXX 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: Debt collection

I have been summoned to small claims court over a debt for a doctor bill. I had been paying on the debt the best I could and it was turned over to a collection agency. The collection agency has sent me XXXX letters and I have received no phone calls. The amount of money that they say that I owe is more than the agreed amount that I had arranged with the doctor. In the XXXX bill they sent me was in XX/XX/XXXX and the doctor bill was inflated by about 300 dollars and there was a hospital bill that did not belong to me from 2004. The next bill I received was just for the doctor bill ( still inflated ) and there was a threatening note above the statement that stated : We have tried to contact several times and you ignored us, so unless you respond we are going to have to file suite . So, I responded. They did not like my response so they served me papers. I had offered to pay the amount that I owe but they would not except that offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

these inquiries were not authorized by me personally
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an account with XXXX/JcPenney and I want to dispute this account. The credit report shows a payment was made on XX/XX/XXXX. It also seems as if other payments and charges were made using this card in XX/XX/XXXX. I have not made any charges or any payments on this card in over 10 years. If any charges were made on this card in the last 10 years, they were made fraudulently. Any payments made on this account in the last 10 years were not made by me. I called XXXX/JcPenney on XX/XX/XXXX and spoke with XXXX XXXX from XXXX who said he can not provide any information about the purchases, balances, or payments. He said I would need to call XXXX XXXX XXXX at XXXX to get the details of the account. I called them and spoke with XXXX from XXXX-XXXX she said only the original creditor can provide the information about purchases and payments being made. She said the balance is {$340.00} however, the credit report shows the charge-off amount was for {$51.00}. Neither of the two companies will provide me any information about this account and I do not owe them any money. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Student loan

I 'm a XXXX, XX/XX/2016.. Since XXXX I have had to move back to my home town and dealt with being jobless for several months only to get my first payment set up to be over {$1200.00}. Being jobless, and my cosigner passing due to a hit and run, I was forced to go into deferment. I was not offered any income based solutions and with working XXXX part time minimum wage jobs I still ca n't afford it. Deferment is now up and upon trying to pay and getting another Deferment I 'm met with only computer operated messages and no help. Im going to delinquency now and hopefully can defer when theit office is open on Monday. Largest privatized loan agency for students and closed on the weekends. Great plan.
Product: Debt collection

I gave notice for them to stop calling. They bought a debt and I let them know I have no contract with them. Still called several times after I told them to stop calling. This was the most recent call on XX/XX/2018 at XXXX. 

Company is called EGS Financial Care , Inc. Their phone is XXXX and Fax is XXXX
Product: Credit reporting

Now all over a sudden they produce a XXXX merge report with XXXX score now XXXX points lower since yesterday. Unreal. XXXX I 'm speaking of. I noticed that they are not all on the same sheet of music when it becomes to reporting my current good stand revolving accounts. I need an explanation from XXXX on how can I go from XXXX to XXXX in one day with no explanation ... I have made no inquiries and no transactions. This is crazy ... please investigate all XXXX to find out what they are doing.
Product: Student loan

XXXX and StudentAid.gov have failed to properly credit my PSLF qualifying payments. I submitted employment certifications covering 155 months but I was only credited for 81 months. As per the terms of the one-time payment adjustment, all 155 months should have been credited. 
I have submitted three reconsideration requests to XXXX and StudentAid.gov. The first two, dated XX/XX/XXXX and XX/XX/XXXX, went to XXXX and were both denied without explanation. The third one, dated XX/XX/XXXX, went to StudentAid.gov and there has been no response at all. 

Specifically, the following months covered by my submitted employment certifications are missing from the payment count : XX/XX/XXXX & XX/XX/XXXX = 2 months ; XX/XX/XXXX through XX/XX/XXXX = 52 months ; XX/XX/XXXX through XX/XX/XXXX = 20 months. 

The above months should have been qualified based upon the one time payment adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Synchrony Bank not handling an identity theft situation properly for me. I have been a victim of identity theft for more than a year now, probably connected to an XXXX data breach. Unidentified people have opened or tried to open accounts under my name. So far I believe I have managed to close them all and worked with the companies deleting the accounts and the inquiries in my credit report. I have also established a fraud alert with the credit bureaus. 
But I still have 4 credit inquires for fraudulent applications showing in my XXXX credit report for accounts related to Synchrony Bank. I contacted telephonically Synchrony Bank several times for each of them, starting with the oldest one in XX/XX/XXXX ; they closed the accounts, that is true, but did not follow the process to delete the inquiries from the report like all the other companies did effectively. Every time, but the last one, they told me they will send documentation to the credit bureau to erase them in the report but nothing happened. I inquired them several times to send the letters or any documents to me so I could forward them to XXXX ; they assured me they will but I never received anything. I talked to XXXX two times to see if they can solve the issue from their side, but they told me they need the documentation from Synchrony Bank. In my last phone call to Synchrony Bank, on XX/XX/XXXX, a representative assured me that no record of any of those accounts or any of my calls was showing in the system. 
At the present day ( XX/XX/XXXX ), the 4 inquiries ( all due to fraudulent applications to accounts already closed ) are still showing in my Transunion report.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am contacting Transunion in regards to the recent response to my CFPB Complaint # XXXX. Transunion has investigated the account XXXX XXXX in the past and marked my report as verified/acceptable. I followed up by sending a letter on XX/XX/year>, asking for verification of method of investigation. Transunion has not submitted status of verification within the 15 day window allowable according to FCRA. This is now a violation of my rights and the account reporting by XXXX XXXX is inaccurate as described in disputes. It has hurt me from receiving credit from lenders. I am disgruntled and demand Transunion to remove/delete the account reporting to XXXX XXXX as it is in violation with FCRA. Thank you,
Product: Credit card or prepaid card

I had a XXXX XXXX credit card with a credit Limit of {$500.00}. After few months ; credit company, ( XXXX XXXX ) sent a statement show that I owned {$4200.00} Few years later, the balance become {$310000.00}, Remembered my credit limit has been {$500.00}. I called XXXX  XXXX to disputes the mater with no success. XXXX XXXX sent a letter stated that my account was transferred to Portfolio Recovery Associates, LLC. I then called Portfolio Recovery Associate, LLC to dispute the matter with no success of resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I got an auto loan for a XXXX Chevy truck with Santander Consumer USA that included Gap Insurance for covering losses not covered by vehicles value. Not sure exact time frame, but definitely within 2yrs the truck was in an accident while parked and unoccupied. Was a total loss not at my fault, and the at fault driver had not enough insurance to cover all vehicles involved. My " Under Insured '' policy feature and whatever at fault drivers policy coverage was put in play. Some how there was still a balance Santander said was around $ XXXX left owed after the truck was taken and sold at auction. They did not apply the Gap Insurance, and then reported the loan Charge-Off/XXXX. This date and Closing of that account should've been somewhere in/around XXXX. They actually properly stopped reporting Late or No payments for many months, then suddenly started again. And then however they continued to make negative reportings on my credit for years with the $ XXXX balance even though it was " Charged Off '', and still " updated '' monthly unpaid payments even into XXXX. This affected subsequent loan rates risk factor as it seemed to be recent bad payments, when in reality should have been many years back and now should be almost Removed because of the 7yrs. But instead it looks like only a few years back and still lenders see this bad history and fault me. This kind of " updating '' to keep negatives on consumers records should be XXXX  Abuse and they penalized. Why isn't it, and why isn't the Government protecting consumers from this financial XXXX
Product: Money transfer, virtual currency, or money service

I have 3 Devices that access coinbase. In early XXXX my " computer '' coinbase account asked me to confirm my account through an e mail link. That never arrived. Later in XXXX both my cell phone and tablet asked to verify my account through a caoinbase email. neither of those have ever come through. I did what coinbase asked, checked my spam, added them to my contact list. Nothing. I've called 9 times since XX/XX/XXXX, to no avail. customer service is a sham, all they say is we'll look into it, and send you a e mail when we fix it. The emails from customer service do arrive, so coinbase emails are getting through. Its been 2 weeks now, I can not log into coinbase, I can not see my accounts, I can not withdraw my money.

All I get form the " yes customer service people '' is their working on it. Never gets fixed, my computer has been locked out for 6 weeks.

I'm not the only one! 

https : XXXX
Product: Debt collection

I have tried to contact this collection agency, CHASE CARDMEMBER SERVICES asking them several times to send me vertifiable Proof ( Original Consumer Contract with my signature on it ) stating this debt of {$2100.00} is mine. I sent ( 4 ) different  letters asking for the information to be sent on XX/XX/2019, XXXX XXXX, XX/XX/2019 and XX/XX/2019. They have failed to positively verify this account which has hurt my ability to obtain credit. CHASE CARDMEMBER SERVICES continuously sends bills and collection letters in the mail that DON'T belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me with a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX Credit Report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Listed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to you with an escalating sense of frustration and anger regarding the fraudulent accounts tarnishing my credit report. It has come to my attention that my financial integrity is under attack, and I demand an aggressive and immediate response from your organization to rectify this appalling situation. I was the victim & Im not sure why the CRA is not complying with the law. 

I can not overstate the severity of this issue and the urgency it demands. It is both infuriating and deeply concerning that my credit report, a document crucial to my financial well-being, has been compromised by accounts that are unequivocally fraudulent. I insist that you unleash the full force of your investigative capabilities to scrutinize and obliterate these fraudulent accounts from my credit report posthaste. The extent of this breach requires nothing short of an aggressive, immediate, and unwavering commitment to resolving this matter. 

XXXXXXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETED XXXXXXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETED XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETED XXXX XXXXXXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETED I need you to comprehend the gravity of this situation and the irreversible damage that inaccuracies of this magnitude can inflict on a person 's financial standing. I will not tolerate any further delays, excuses, or half-hearted attempts to resolve this matter. 

Should you fail to rectify this situation with the utmost urgency, be forewarned that I will not hesitate to pursue all available avenues to ensure justice, including reporting your negligence to regulatory authorities, engaging legal representation, and utilizing social media platforms to expose your organization 's lackluster response. 

Time is of the essence, and I expect you to treat this matter with the urgency and seriousness it warrants. I anticipate written confirmation of the removal of these fraudulent accounts within 14 days of your receipt of this letter.
Product: Credit reporting or other personal consumer reports

Help me create a dispute letter 6081o civil liability negative appliance