23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

American Express canceled my account on XXXX/XXXX/XXXX. The only reason they gave me was that the account was " fraudulent '' although there were no unauthorized charges on my account. They went on say that their fraud unit did an investigation and found my account to be fraudulent. The Amex rep would not tell me too much but implied that someone claiming to be me told Amex that he ( I ) never applied for an Amex card. I have been an Amex member since XX/XX/XXXX, at the same address and the same phone number. No one from Amex called me or wrote to verify my identity or to questions me about this alleged fraud although I have been receiving my Amex bills at the same address for years and have never missed a payment. I found out that my Amex account on XXXX/XXXX/XXXX was closed when XXXX billed Amex as they every month for my internet service and the charge was denied. AMEX never informed me that they had closed my account. I can not understand how their fraud unit did an investigation on my account and Amex never contacted me for anything. Also on my online Amex account they list the last XXXX digits on your account. The XXXX digits were not the last XXXX digits on my Amex account, which I also informed the rep. I also receive a paper statement from Amex and it had the correct XXXX digits from my account. In summary, Amex had no right to close account without contacting me, interviewing me or at least informing of what they intended to do. They gave me very little information as to the specific nature of my account being " fraudulent ''.
Product: Vehicle loan or lease

On XXXX, a payment due for XX/XX/XXXX, in the amount of {$350.00} was submitted from one of my checking accounts, posted, then was reversed. The SAME DAY, I submitted another payment, in the amount of {$350.00} from a DIFFERENT checking account. The 2nd payment posted to my Hyundai account, reduced the principal balance, but the DUE DATE did not update. Hyundai has acknowledged there was a " glitch '', but failed to correct my due date. Hyundai opened a complaint, but no resolution has been made. The funds were deducted from my XXXX XXXX " XXXX checking '' account, trace ID # XXXX on XXXX. Per Hyundai 's own payment history, which they provided to me, my principal balance on XXXX was {$16000.00}, and after the XXXX payment posted, my principal balance was then {$15000.00}. I struggled to make two more payments in the month of XXXX to bring my account current, but my due date has still not been corrected.
Product: Consumer Loan

My vehicle was financed through Chase Auto Finance and when the contract ended, I received my final statement that indicated I owed {$2300.00}. This was my last scheduled payment and the payment coupon stated that the due date was XXXX XXXX, XXXX. However, I received a letter that was dated XXXX XXXX, XXXX from Chase stating that I owed a balance of {$5300.00}. The letter stated that if I called Chase would be willing to settle the account. I called and spoke to a collection representative, explaining that I did not owe {$5300.00}. In addition, I informed the representative that I received my last payment coupon and it stated that I owed {$2300.00}. The representative was not willing to listen and said I had to pay the balance that was in the letter. I informed the representative that I was only going to pay what my payment coupon stated. On XXXX XXXX, XXXX, I made a payment of {$1000.00} and on XXXX XXXX, XXXX I made a payment of {$300.00}. I only owe Chase Auto Finance {$1000.00}. On XXXX XXXX, XXXX, I received a phone call from the National Recovery Department of Chase Auto Finance. The representative was very aggressive and curt while stating that Chase has been waiting for me to pay them the money I owe. I explained the entire situation to the representative and stated that I only owe {$1000.00} and nothing more. I also informed the representative that I had hired a credit attorney and the representative became sarcastic and said they have never heard from an attorney if I have one. The representative wanted my attorney 's number and I informed the representative the my attorney would contact him.Upon hearing my response, the representative became combative and began to harass me, which is illegal. I then disconnected the call. Chase Auto Finance has poor customer service and very rude and disrespectful collection representatives. Chase was recently involved in a class action suit based on harassment and Chase lost. Furthermore, I was included in the lawsuit and received a check from Chase Auto Finance for its wrong doing. I am very upset by this entire ordeal because Chase Auto Finance is negatively affecting my credit report with its false debt amount. I want this false debt amount removed from all of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached document for full description of complaint. I am demanding a letter detailing the procedures used to substantiate TransUnion 's investigation into the validity of two accounts. 1. XXXX XXXX XXXX XXXX 2. XXXX. 
**********Please note I am preparing to take civil action if this is not resolved properly*******
Product: Debt collection

Never seen this company AVANTE USA before and do not recognize them. Sent me a letter demanding to pay them {$930.00} as part of a settlement on XX/XX/2023. They need to view any original debt with original documentation if valid.
Product: Mortgage

My mortgage started out with XXXX XXXX XXXX on XXXX of XXXX. It was transferred to XXXX XXXX XXXX in XXXX. It has since been transferred to Carrington Mortgage Services in XXXX of XXXX. As of XXXX Carrington Mortgage has told us they received a tax bill for over {$3000.00} with a new loan number. On XX/XX/XXXX we received a letter from Carrington ( advance notice of late charge ) the letter is dated XX/XX/XXXX air USPS mail. This is the 1st letter we received with a new loan number from Carrington Mortgage ( see attached ). We have records and we have received from our property appraiser XXXX homestead receipt where it specifies I have homestead exemption as well as total XXXX. We went to the property appraiser 's office ourselves and verified that we don't owe any taxes. When we contacted the military liaison ( supposedly ) office They said that they received a tax bill for over {$3000.00}. On XX/XX/XXXX we sent in our XXXX payment of {$680.00} which includes principle and escrow which is what our payment has been since XXXX of XXXX. And we already have a payment scheduled for XX/XX/XXXX for XX/XX/XXXX 's payment. This amount of XXXX has already been taken out of my bank account yet Carrington tells us that they are not applying it to our mortgage. ( Please refer to Carrington Mortgage reviews ( lies and fraud ) ). I am a 100 % XXXX veteran so where I live I pay no property Ad valorem taxes, only non-ad valorem which is in the amount of {$330.00}. refer to all attachments.
Product: Debt collection

On XX/XX/2023 I received a phone call from XXXX. A woman on the line who had a XXXX XXXX that was very difficult to understand said she was calling to collect on a debt. She claimed to be from US Asset Management Inc. She asked how I wanted to pay the debt. After repeated attempts to get her to name the company and receiving unintellibible answers I told her that the debt could not be legitimate, I was not going to give her any financial information and she was not to call me again. Though she claimed to be from US Asset Management , INC the caller ID showed XXXX XXXX XXXX  '' I performed a reverse phone number search via XXXX and neither company was associated with the above phone number.
Product: Credit card or prepaid card

I, the consumer and natural person, creditworthy applicant was denied credit by Wells Fargo XX/XX/2023 and again on XX/XX/2023 upon request for good faith reliance of the Equal Credit Opportunity Act illegally when I applied for a financial product for personal family and household purposes referred to as Wells Fargo Active CashSM Credit Card Account Agreement. 

Please be aware that I hereby revoke any and all electronic communication with your company in accordance with the E-SIGN ACT in relation to the completed application. Wells Fargo violation of 15 USC 1691 is subject to criminal liability, as I possess evidence that clearly demonstrates discrimination in the adverse action letter I received from Wells Fargo as the financial institution.

Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.This act is a clear violation of several state and federal laws, which carry penalties of {$1000.00} per violation. 

I, as a natural person and original creditor, issued my credit card ( social security card ) through the completion of a consumer financial product application, as digital asset collateral security, in good faith to secure the sum of all charges as otherwise the information clearly and conspicuously to be disclosed as finance charge omitted from required disclosures. This extension of credit was done for the purpose of a special deposit to the fiduciary, Wells Fargo, an insured depository institution, granting them the authority to act on my behalf as a non-citizen national of the United States and an individual consumer. Wells Fargo, as the entity responsible for payment of all duties and accountable for meeting statutory and regulatory requirements resulting from the importation, has discriminated against the delivery of my asset and the approval for the extension of credit. 

I believe I have been discriminated on account of national origin as a result of unverifiable reasons asserted by Wells Fargo to disgrace me as a consumer. Wells Fargo is subject to criminally liability for violating 15 USC 1691 as I have proof that I was discriminated against by Wells Fargo due to the response I received in adverse action letter allegedly based on reasons as information received that one can not adequately be substantiated as otherwise rumor or gossip.

Wells Fargo is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I, the consumer, made a completed application in good faith, but credit was not issued.

Furthermore, because my social security account number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on misappropriated by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in multiple inquiries to Experian, XXXX  and XXXX  regarding inaccurate information listed in my credit report and I have not received any corrections to my credit report or any responses from Experian or XXXX  about my concerns. I sent these inquires in XXXX, a follow up in XX/XX/2021 and I just sent in a third request this month XXXX XXXX XXXX. It has been several months and I haven't heard anything from Experian or XXXX. I'm not really sure what else I can do on my own so I am submitting this final request before I talk to an attorney about my options.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the credit reporting agencies, for their failure to remove inaccurate, unverified, and fraudulent items from my credit report. Despite multiple requests for investigation and validation, they have refused to take appropriate action. 


Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and request validation of debts. I have made several attempts to resolve this matter by providing documentation to support my disputes, including [ briefly mention any supporting documents you sent, such as payment records or correspondence ]. However, the credit bureaus have not conducted a thorough investigation, nor have they provided the necessary validation as mandated by FCRA Section 609, which requires that consumers have access to information regarding their debts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the refusal to remove inaccurate information is a violation of FCRA Section 607, which states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. The credit bureaus have failed to adhere to these legal standards. 

I am requesting your assistance in resolving this matter and ensuring that my rights under the FCRA are upheld. I appreciate your attention to this issue and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting

a tax lien was placed on my report and they was suppose to take it off.
Product: Debt collection

I opened and account with XXXX with a 30 day money back guarantee. I did n't end up using the account and closed with-in the 30day trial period. When I called to cancel, the agent i spoke with explicitly told me that, given i was cancelling with-in the trial period i will not be billed. 
I was billed and upon contacting XXXX the agent politely informed me that i do n't have to pay anything as i canceled in the trial period. 
Now they have handed over my account to debt collection who keep calling me every day. I have reached out to XXXX and they have no clue why there is any collection call. The whole fiasco is a testament to poor management at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is closed TransUnion credit report XXXX allowed XXXX XXXX  to reopening this account with proving identification an full disclosure this not my account an I'm not paying for this debt I requested they sale it back to were they got it from an I need full verification letter an full disclosure don't even have what type loans is it buying my personal information an saling my data an personal information to uptain debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX XXXX ACCT : XXXXhas violated my rights. 

15USC 1681 SECTION 602 STATES i have a right to PRIVACY 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under OPEN END consumer credit plan as LATE for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a customer of XXXX from XX/XX/XXXX- XX/XX/XXXX called advised I would be getting another carrier asked my name and number be removed from the bill my contract expired. My daughter remained a XXXX subscriber they removed my phone number from the bill but left the account in my name when I called they informed me the account had been changed over. Although I did not receive any more bills they failed to put the account in her name. I have proof that I was a subscriber with XXXX in XX/XX/XXXX same phone number and now XXXX for over a year the same phone number. I provided a notarized statement as proof the bill is not mine, called the company ( XXXX ) asked them to send me a copy of the contract because I have not signed a contract with them in years no phone contract last forever. XXXX refused to correct this error sent me a form to complete wanting me to charge my daughter with fraud when it was their error for not changing the bill and address into her name, they sent bills to an old address they had on file. At any rate it has runied my credit my mortgage loan through the bank was disapproved for the recent collection on my credit report, I retired in XX/XX/XXXX no bills have come to me. I have made numerous attempts to resolve this issue with them they simply remove it from one credit report to another with a different collection agency. I want this removed from my credit record entirely because my husband has XXXX I need my credit to remain in tact to but a home based on my income it can not happen with this debt which does not belong to me binding every step I try to take. The collection is now with IC Systems, and was being carried by a company called XXXX. The collection agencies should be held accountable for ruining your credit without performing an investigation. I am asking them to produce a contract bearing my signature after the 2 year contract period as proof. The people at XXXX are rude I have names of those I have spoken to supposedly in their corporate office. Please help resolve this complaint I need clsoure to move on and clear my name. XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been receiving promotional physical mail for credit card approval from Capital One bank for years. And throughout the years, Ive called to remove my name and address from their list. I continue to get mail which I shred and throw away. This mail has all my personal information on it, along with a reservation number, bar code to easily apply for a line of credit online-a fraud 's dream. I am now moving out of my current residence. I call again today ( XX/XX/1922 ) Capital One again and plead with them to please remove my information from their database. They said it takes 45 days for that process to complete. When I said that Ive attempted to remove my name and address in the past and it did not stop mail from them, they advised me to " monitor my credit report ''. What type of operation puts the responsibility on the individual ( I am not a consumer of their products ), in the event they get scammed? I am requesting for this company to be held accountable for their role in persistently sending unwanted, unsolicited mail to individuals who've made attempts to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My accounts have been charged off over 3 years ago however they are still being erroneously reported. 

The accounts are attached to XXXX XXXX for the following amounts : {$14000.00}, {$11.00}, XXXX reporting to Transunion, XXXX and XXXX. 

Reporting to XXXX for {$4300.00} 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Duty : A moral or legal obligation ; a responsibility Accurate : correct in all details ; exact Prohibition : A law of regulation forbidding something As defined by The Internal Revenue Service ( IRS ) Even if you didnt receive a Form 1099-C, you must report canceled debt as a gross income on your tax. 
The IRS clearly defines a charge off as Gross or Ordinary, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By definition the IRS clearly says a canceled or charge off is income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s- 2 says XXXX XXXX XXXX XXXX is a furnisher of information to a consumer reporting agency. 
You are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
You are hereby put on NOTICE that you are furnishing incorrect inaccurate. 
The lender must file Form 1099-C and send you a copy of the amount of debt canceled is {$600.00} and the lender is a financial institution, credit union . Federal government agency, or other applicable entity as discussed earlier... 
The above paragraph is taken directly from IRS publication
Product: Credit reporting

Equifax continues to claim XXXX public records of bankruptcies on my credit report are being " verified '' by XXXX, their public record information vendor ( attached XXXX ). 
My personal file with XXXX XXXX is frozen and suppressed ( attached XXXX ). 
I am disputing the Equifax verification process of these alleged public records.
Product: Credit reporting

i requested my credit score in XX/XX/XXXX and was told that I had to submit to providing information to show who I am. I have submitted my state id and my social as well as my address. I have yet to receive my information. Instead they have placed me on credit fraud alert and sent me the information for me to send again
Product: Credit reporting or other personal consumer reports

On XX/XX/23 prior to sending my request for credit with XXXX XXXX XXXXXXXX XXXX I placed a call to inquire whether the the credit request would be a soft or hard inquiry and received confirmation that it would be a soft inquiry with whom ever I was speaking with., now the very next day XX/XX/23 at about XXXX XXXX XXXX while checking on my credit profile I see a hard quiry from XXXX XXXX XXXX on my credit file, I'm very upset of the misleading effet they generate with me and consumers as a whole, I then placed another call to them to now been told that it was to be a hard inquiry and I then request that it be immediately removed for the misleading information generated and harm it caused to my credit file ... ..they proceeded in giving me the run around by transferring me from one person to another without resolving my issue thus my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for loan XXXX XXXX and the late payment on XXXX that was reported as late on my credit report while an investigation by XXXX XXXX XXXX was being supposedly completed by them. <P/>I reported this to XXXX at XXXX with supervisor Mr. XXXX about the car accident. He agreed to resolve the matter and return my phone call with-in 4 business days. We agreed that I not make the payment until I heard back from him specifically with regards to a resolution. <P/>He further stated as other XXXX representatives verified that a " hold '' or indispute was put on my file and that the next payment due would not get reported late if I the matter was resolved. <P/>I and all parties agreed to this. I only noticed several days later hat they did report by negligence and error that I was late. <P/>I was not late. I never heard from anyone and did as I was told. Which was to not make the next lease payment until the issue was resolved. <P/>As I have stated numerous times, I have tried at least 20 times to contact XXXX and they will not speak with me.