23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

American Express refuses to close a Premier Rewards Gold Card. My wife and I close the card, and then American Express claims there are fees ( seemingly a random amount ) that accrued post closing, and seeks payment on them. 
First, Am Ex stopped sending us bills. We discovered this in XXXX, and made XXXX payments to pay off the card and asked that it be closed. We indicated at that time our complaint that we had not received a bill for what appeared to be the last couple months. 
In XX/XX/XXXX, we received a letter stating that the card had been deactivated, and we should activate an enclosed new card if we wanted to make charges. We did not activate the new card. 
Sometime in XX/XX/XXXX, we learned that Am Ex believed there was a balance on our original card. We called and were informed that an annual fee had been assessed. We repeated our desire to close the account, and the representative told us that the annual fee was waived and the account closed. 
On XX/XX/XXXX, we received an email indicating that the account was closed. 
Next, we received an XX/XX/XXXX letter indicating that {$76.00} was due on the account. That was followed by an XXXX statement claiming an {$190.00} balance. 
We called Am Ex on XX/XX/XXXX. We were first told that our balance on the card was {$19.00} and stemmed from a charge from XX/XX/2014. We told Am Ex that such information could not be correct because we paid off the balance since then, and had closed the account. Then, in the same phone call, we were told that the balance was {$75.00} and stemmed from a charge from XXXX from XXXX. We did work with that merchant, and recognized that it was at least possible that they place a charge on this account in error, since this account had been used previously. However, we were concerned that any charge would have been accepted on a closed account. We were then transferred to another XXXX Ex employee who now claimed that we owed {$76.00} on the account. That being the fourth sum quoted to us in this XXXX call, we discontinued the discussion. 
The next day we called the merchant XXXX XXXX. They indicated that they had placed a charge on this XXXX Ex account, but reversed it and billed a separate account. 
We closed this Am Ex account in XXXX. We have authorized no new charges on this account, and have refused to activate the replacement card sent to us. In response, Am Ex has sought to collect wildly variable amounts of money from us on this closed account. 
We ask that the account be correctly coded as closed and paid in full. We ask that written confirmation of that status be sent to us. This zombie card needs to be killed for good, with no possibility of repeating these returns from the grave. 
The written communication we could easily find is enclosed with this complaint.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 around XXXX PM PST, I came across a XXXX post selling tickets for a music festival. All contact info was included, so I reached out to the sender with the offer to buy immediately as long as proof of purchase would be included. 

I told the sender to send me proof of confirmation of the tickets that would have been sent to their email. They sent me a screenshot of the email receipt. I asked for further confirmation and they sent me another screenshot, which included the transaction and festival name. Basically, it looked like it came straight from the site. 

I asked for a photo of their ID and other contact info and they gave me their email and a picture of a California driver 's license that matched the email and buyer 's name in the screenshot. I asked for one other example of proof and they offered their social media handles which also matched. 

I asked how they would prefer to be paid ( considering the festival was already happening ) and they asked to use XXXX through Wells Fargo. I've been a Wells Fargo customer my entire life and have had nothing but a good experience with them. That being said, I trusted the introduction of XXXX to their mobile app. I found the seller via email and confirmed ( yes, twice ) that I wanted this money to be sent. The seller reassured me they'd screenshot the confirmation of getting the transaction as proof it went through for me before sending me the tickets to my email. 

I sent the money ( {$250.00} USD ) and the seller immediately stopped responding. I sent plenty of texts, calls, voicemails and even requested the money back, but obviously, the user had been deleted. 

After I waited on hold for 45 minutes with Wells Fargo to report the issue, I was promptly told that it was out of their hands. XXXX isn't " technically '' Wells Fargo, so they can't do any refunding or really any resolution whatsoever. Unfortunately, the only reasons I used XXXX is because I thought it was 1. A part of Wells Fargo in the first place and 2. Figured it would be just as trustworthy. 

I was told in under a minute and a half that there was nothing that could be done besides maybe call a customer service line and that was it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account has been disputed on several occasions and creditor refuses to removal this account. I have requested on several occasions that the Identification and application submitted to open this account be forwarded to me. This has not happened. In previous disputes the creditor has sent me billing statements. This does not constitute proof. I am not disputing whether the account exist. Im not the liable party and the account needs to be removed off my credit report immediately. The creditor has asked me to send in more documentation when the burden of proof is not on the consumer. If this account is being " verified '' when its disputed, the creditor should have proof of who opened this account. There should be a copy of the application with my personal information on it as well as the identification used to open this account. It doesnt exist. REMOVE THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the phone letter received from you on XX/XX/2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you, XXXX XXXX
Product: Checking or savings account

I received a card in the mail from SoFi letting me know my card just needs to be activated. When I contact SoFi she just kept saying you didnt authorize this and I said no. She said they had a different number on file for my account not my number. I have not opened an account with SoFi and I can not understand how it was opened as I have a credit Freeze. She just said their security dept would look into it and if found fraudulent they would close the account.
Product: Checking or savings account

I was charged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and more from various bank accounts, as well as accounts opened under my name. Please help me. Furthermore, XXXX  tried to take XXXX XXXX from my account but was blocked due to suspicious activity on all my accounts.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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
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 {$0.00}, {$0.00}, {$0.00}. 
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. 

-- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my personal information update correctly. My name is XXXX  XXXX XXXX XXXX please remove any other variation of my name. I have several addresses that are not mine showing on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX please remove delete any other addresses they are not mine! Please delete the following numbers : ( 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 they are not mine. My Current Employer is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Please delete/remove any other employer the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX all of these are incorrect and not accurate. I have a unverified information please delete : XXXX XXXX XXXX OHIO DOCKET # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XXXX
Product: Credit reporting or other personal consumer reports

USAA continues to respond to my concerns via threats of further credit reporting of derogatory information. Each and every concern raised has been met with the same response.
Product: Mortgage

I have received several letters from these people that, to the untrained eye, appear to be official documentation from my county. It even says " The Peach State Georgia '' in the top left corner and from " Accounting '' on the front page. I have called them and requested to be taken off whatever mailing list these scam artists have me on and they told me they would n't do it. I am reaching out to you in order to put these scam XXXX in the ground.
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being.I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

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

SYNCB JCP. Account No. : XXXX. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Has my account as reported to XXXX as a revolving charge account. This account is not mine. It does not belong to me. All the credit bureaus : XXXX and XXXX has removed this account from my credit report. The address used by SYNCB JCP does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureau : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 XXXXXX/XX/XXXX
Product: Debt collection

Cavalry Portfolio Service XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AL XXXX Dear Cavalry Portfolio Service, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Cease and Desist from Further Contact Regarding Debt Dear Credit Collection Services I am writing to formally request that you cease all communication with me regarding the debt associated with [ Account Number or Loan Number, if applicable ]. Under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws, I am exercising my right to request that you stop contacting me regarding this matter. Please consider this letter a formal cease and desist request. I do not wish to receive any further communication regarding this debt, except for written verification of the debt, or any legal action being taken. I understand that under federal law, you are required to cease contact once such a request is made, unless the communication pertains to specific actions, such as filing a lawsuit. Please be aware that any further communication beyond this letter, including phone calls, letters, or other forms of contact, will be considered harassment and may lead to legal action being taken against your company for violating my rights under the FDCPA. If you do not have the legal right to collect this debt or if you can not provide proper documentation supporting your claim, I also request that you notify me in writing that the debt is being disputed. I look forward to receiving written confirmation that you have received this letter and that all communications regarding this matter will cease. Thank you for your prompt attention to this request. Should you continue to contact me, I will not hesitate to pursue further legal remedies available to me. Sincerely, XXXX XXXX
Product: Debt collection

I do not have a signed contract with Kane and Weiner. I do not know who they are but Ive asked them several times to send me some sort of documentation with the sign my signature on it they have not done so over the years its been the this is been on my report credit report for six years five months for {$150.00} and {$140.00} for four years six months now Ive never heard of this company before but Ive tried to dispute it Ive tried to write them letters. Ive tried to talk to them on the phone, and they tried to twist my words and trick me and I shouldve never called them in the first place because I dont understand the problem here, but they will not take it off my report and thats whats bothering me. Its the only thing on my credit report thats derogatory and it bothers me to know and and Ive tried many different times and Im sick of it. They have no right to do this to me. Its caused me much distress. I know that they have reported it XX/XX/XXXX and XXXX or cell right around that time of this year again so its it keeps being regularly reported after all this time all this time Ive tried to get rid of it it did not work, so anything you can do. Ive tried everything on my part and nothing has worked it on my credit report causing me issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are not mine Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft VW CREDIT INC Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXXXXXX This is not mine.. 



5. Identity Theft VW CREDIT INC Account Number : XXXX This is not mine.