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

I have been an American Express business platinum customer since 2010 and never had a late payment. Last month after encountering a financial difficulty due to my main client refusing to pay its {$96000.00} invoice due to me, I called Amex to ask them if they have any options for me to pay my {$2000.00} bill that I wasn't able to pay that month. They told me, no and until I know when I can pay it, they can not do anything. I wasn't expecting for them to cancel my card after only one month late. They also canceled my personal credit card, which ends up reducing my credit score from XXXX to XXXXin 30 days. That caused to have all my other creditors to reduce my credit limits and raise my interest rates. Therefore I now have no credit card available, no income coming before after the holidays. and several accounts went to collection. Which will now end up costing me a fortune in damages created by that action from Amex.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX  Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I have already been filing complaints against this Bank. They used Identity theft by creating a Fiduciary Relationship acting as the Grantor of my own credit. 31 U.S. Code 3729 - False claims I demand to fine them {$10000.00} dollars for the fraudulent use of my name and also Tax Fraud and withholding information when demanded. They have already closed the account as " Closed by Grantor '' which brings forth more evidence of the fraud using my name.
Product: Credit card or prepaid card

Hi, I see an unauthorized charge on my credit card. 

It is regarding following transaction on my american express card : XX/XX/XXXX XXXX XXXX XXXX Foreign Spending XXXX ( XXXX ) DOING BUSINESS AS XXXX PROCESSED ON XX/XX/XXXX REFERENCE NUMBER XXXX Looks like some transport company in New York , American express is not able to provide exact details about the merchant. 

This dispute is of a billing error in the amount of [ {$380.00} ( XXXX INR ) ] on my account. The amount is inaccurate and seems like a fraud because I never authorized this charge, Could you please help investigating this matter and help me regarding the steps I need to follow to make the culprits pay for it. 

I have already raised concerns the same time I got a message of this charge to American Express. 
Need help to fight this dispute with the merchant as this is illegal transaction. 


I will attach the document I received from American Express regarding the prrof I asked for the transaction, it is a document generated by American Express and not a document from the Merchant as a proof of transaction. 

Thank you very much for any help you can provide to resolve this issue and stop such frauds by merchants and the company.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXX {$3000.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.
Product: Payday loan

I had to close my bank account to prevent Green Circle from taking money out of my account! ( XXXX XXXX XXXX, XXXX XXXX, XXXX ) Now I 'm receiving threatening e-mails from Green Circle stating that they are going to contact my references, and I received 2 emails from Green Circle that they are going to do a Wage Assignment ... last time I checked I did not volunteer for a Wage Assignment and two I realized that Green Circle is n't licensed!!!
Product: Debt collection

I owed a medical debt to XXXX XXXX XXXX. They reported this matter originally to XXXX. XXXX lost the contract with XXXX XXXX and the debt was turned back over to the hospital. Once that was done, XXXX XXXX contacted me. I immediately paid this collection matter with the hospital. XXXX has agreed to delete this from my report. XXXX XXXX contracted AMCOL to collection their accounts. For some reason AMCOL started reporting a debt that I paid prior to being sent them. They are refusing to remove this error. AMCOL should have never reported a debt I paid prior to being sent to their office. Additionally, the refuse to assist me at all with this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I purchased a {$130.00} Western Union money order at a XXXX XXXX in XXXX, Georgia. The money order was made payable to the U.S. State Department as a part of a replacement passport application. On XX/XX/year>, the U.S. State Department returned the unused money order and passport application due to an error. The money order was no longer needed and a refund request was completed on the Western Union website. On XX/XX/year>, I received an email stating that the refund request had been approved and that I needed to go to an agent location with the MTCN number and a government issued ID in order to receive the refund amount of {$110.00}. I physically went to three of the agent locations listed on Western Unions website and was told by a representative at each location that they did not process money order refunds. Western Unions customer service was contacted after the third location and explained the situation. That representative stated that they had a new refund process and that the only way to receive the cash refund was to go to an agent location. A fourth location was then provided by the representative. I called the location provided and was told by their manager that they also do not process money order refunds. Western Unions customer service was contacted for a second time and re-explained the situation. That representative stated that I should not tell the workers at the agent location that Im requesting a money order refund because they dont like to do them.
Product: Credit reporting, credit repair services, or other personal consumer reports

"ONXX/XX/XXXX I SENT A "VALIDATION OF DEBT LETTER" TO XXXX XXXX XXXX. AS OF XX/XX/XXXX I HAVE NOT RECEIVED ANY RESPONSE AS REQUIRED BY LAW SECTION 1006.34 (c) OF THE FDCPA. THIS IS A VIOLATION OF MY RIGHTS. BECAUSE THE ACCOUNT WAS NEVER VALIDATED, IT REMAINS INVALID, SO THE CREDITOR/FURNISHER BY LAW, CANNOT CONTINUE COLLECTION ACTIVITIES, NOR REPORT THE INVALID ACCOUNT TO THE CREDIT BUREAUS. | ALSO NOTICES SEVERAL FRAUDULENT INQUIRIES, I BELIEVE THESE ARE THE RESULT OF IDENTITY THEFT. BECAUSE I DID NOT NOR DO I RECALL GIVING AUTHORIZATION FOR THESE INQUIRIES THERE IS NO "PERMISSIBLE PURPOSE." I DEMAND AN INVESTIGATION WITH ALL UNVERIFIED ACCOUNTS AND INQUIRIES DELETED IMMEDIATELY WITH A UPDATED REPORTS SENT TO MY ADDRESS. I DO NOT CONSENT TO ANY XXXXRD PARTY OR ELECTRONIC VERIFICATION."
Product: Checking or savings account

I am having checking accounts opening in my name that I have not opened. Someone is opening different accounts utilizing my personal information. Ive had a XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and Citizens bank. I keep calling and closing account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2016 I had my wallet stolen which resulted in a fraudulent loan being opened. I had filed police reports, identity theft reports and disputes with the credit bureaus. The only credit bureau that continues to tell me that this debt is valid is XXXX, however it is NOT. I did not open the account and this fraudulent account is negatively affecting my credit score. I am trying to get my finances and scores on track and I can not do that because XXXX is not cooperating. I am attaching the Identity theft report and police reports to this thread and I would like this handled properly. I have attempted to discuss this with Affirm and they are telling me to go to the credit bureaus and claim I am responsible for this account. The product that was ordered was never delivered to my address as Affirm is aware. They also have a signature from the other address which is not a property that I am affiliated with and the signature is not mine. The email address and phone number associated with said account were not mine either. There is NO validation of this debt as IT IS NOT MINE.
Product: Credit reporting or other personal consumer reports

These accounts are inaccurate and reporting wrong. Us code 1681 ( b ) and us code 1681 ( I ). Wrong incorrect information on my credit file is wrong and I would like for these account to be deleted and removed immediately. XXXXXXXX XXXX XXXX XXXXXXXX {$500.00} last report date XX/XX/XXXXXXXX first XXXX XXXX XXXX XXXX  {$700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1000.00} {$1400.00} last report date XX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed items. ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

I have learned that XXXX XXXXCarnegie Mortgage is negatively reporting a delinquency of my XX/XX/XXXX mortgage payment. Regrettably, this is absolutely false. 

First, XXXX XXXXCarnegie Mortgage was not the loan servicer effective XX/XX/XXXX, per Carnegie Mortgage 's own undated letter, attached. Per the letter, effective XX/XX/XXXX, the loan would be serviced by XXXX XXXX XXXX, and Carnegie Mortgage directed me to send all payments to XXXX XXXX XXXX beginning XX/XX/XXXX. 

Second, I paid my XX/XX/XXXX, payment to Carnegie Mortgage, check number XXXX, dated XX/XX/XXXX. That payment was timely received by Carnegie Mortgage and the payment cleared the bank it was drawn on, on XX/XX/XXXX. 

I paid my XX/XX/XXXX, payment to the new lender specified in Carnegie Mortgage 's letter. I.e., XXXX, on XX/XX/XXXX, check number XXXX, and that payment cleared the bank it was drawn on XX/XX/XXXX.
Product: Credit card or prepaid card

I had 2 credit cards for citi Bank. The one balance was an amount under XXXX. The other credit card had a larger balance of around XXXX. A portion of the card with the larger amount was going to start charging me interest so I did a balance to XXXX. It was around XXXX. During the balance transfer process there were fraudulent charges on that citi card so that card number changed and I got a new card. Once the balance transfer was paid by XXXX XXXXXXXX added the XXXX to the credit card with the balance under XXXX which then made that account over paid. Ever since XXXX I have chatted, talked to them over 12 times. They keep moving money, fees, and payments all over the place between the cards. They have my accounts a complete mess and can not fix this. I am beyond frustrated and I don't know where to turn. I am so upset. This is my money they are playing with. Adding and subtracting amounts and everything else. I am a good paying customer with good credit. I'm to the point they better fix this or I'm not paying it. It's not right what they have done. At this point they should have to pay for this mess they have created. I didnot mess the balance transfer up to begin with. This was not my fault at all and now I am the one who is suffering. They keep making it worse and worse. Please help... please
Product: Credit reporting or other personal consumer reports

Corelogic XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/scrub>/2025 Subject : Cease and Desist Request Regarding Unauthorized Use of Personal Information Dear Corelogic, I am writing to formally address a serious concern regarding the unauthorized use of my personal information. My name is XXXX XXXX, and I have never given permission for Corelogic to use, share, or disclose any of my personal information, including my name, address, or Social Security number, to any third party without my explicit consent. 

This unauthorized use of my information constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as the Gramm-Leach-Bliley Act, 15 U.S.C. 6802. As such, I am requesting an immediate cease and desist from any further use of my personal information. 

Furthermore, I demand that you delete any and all files and records that you have obtained regarding me without my knowledge or consent. It is imperative that all such information is removed from your databases promptly. 

Please be advised that if these records are not removed immediately, I will be prepared to take legal action against Corelogic for the violation of my rights and any damages incurred as a result of this unauthorized use of my personal information. 

I expect a written confirmation of the deletion of my information and a response to this request within 14 days. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Per my request, Avant , LLC or XXXX XXXX  has failed to close my account, going so far as to deny the dispute I sent in through XXXX. The account is current with no past due amount or pending charges ; I sent in a request to have the credit line increased to improve my credit, they denied the request, so I want the account closed immediately. 

The credit card they sent out doesn't work anyways, when you try to use it, it immediately says that suspicious activity has occurred and that you must contact them, which I have no interest in jumping through hoops to use their subpar services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( EXPERIAN, XXXX XXXX, and XXXX ) that I am requesting that they are investigated and removed.
Product: Debt collection

This collection agency is alleging I owe a debt. I have never received any letter from this company and I do not know how this collection agency retrieved my personal information.
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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.

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 XXXX
Product: Debt collection

Hi, I signed up with XXXX XXXX XXXX, this debt was negotiated and settled, So I thought through XXXX XXXX XXXX Apparently there was a payment missed in a 5 day window before I paid the agreed SETTLEMENT. I had a hardship for those 5 days and needed the money until I could take money out of my XXXX. It was a {$80.00} payment. XXXX XXXX retracted the agreement and sold the debt to XXXX and they sold the debt to XXXX XXXX XXXX I took a picture of my XXXX XXXX XXXX  portal showing its paid 100 %, and now XXXX years later I am being sued. This is so wrong its scary.. I have to hire an attorney now? I have no money and feel helpless... Please help me Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$6300.00} -This is not my account.
Product: Credit card or prepaid card

I had a credit card with Bank of America, that I haven't used since XXXX and don't know physically where it is. On XX/XX/XXXX someone used the credit card ( cash advance or something similar ) and opened and account in the XXXX XXXX XXXX XXXX {$12000.00} ( XXXX thousands dollars ). 
Bank of America DIDN'T CONTACTED me for that suspicious activity. 
I put a claim with Bank of America for the fraudulent activity claim # XXXX. 
Bank of America denied my claim alleging there is an account in the XXXX XXXX XXXX XXXX with MY NAME. 
Y contacted the XXXX XXXX XXXX XXXX and there is NOT AN ACCOUNT with my social security number. 
What security is Bank of America offering to their costumers? 
Is this a good banking practice? 
Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing in response to a collection notice I received from IC Systems, which I believe to be invalid. I respectfully request your assistance in addressing this matter. 

I do not recognize this debt as valid for the following reasons : 1. I have not been provided sufficient documentation or proof of the validity of the debt.

2. To the best of my knowledge, I do not owe the amount claimed.

3. There may be errors or inaccuracies associated with this alleged account.

I have requested verification from IC Systems under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ). To date, they have not provided any evidence that substantiates this claim, including a breakdown of the amount, proof of my agreement to the debt, or original creditor information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notarized Affidavit of Truth was sent via postal mail along with certified receipt to SANTANDER CONSUMER USA along with Exhibits stating violations per USC 1692d ( 1 ). SANTANDER CONSUMER USA is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.