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

Today, XX/XX/2021, I received an email from American Express notifying me that my account XXXX was closed due to a business decision made from the company. I called American Express and was told that my account was closed because of recent returned payments. I appealed the closure of my account because money was stolen out of personal accounts that I use to pay my bills, over {$900000.00}. I have a police report filed with XXXX Police Department. This closure comes after American Express upgraded my account from a XXXX XXXX to a XXXX XXXX I am angry for the disconnect American Express has with not calling me and trying to figure out WHY the payments were returned if I was a valued customer like they say. My account started out as no spending limit and within 90 days a spending limit was placed on my account because I am XXXX. I have averaged over {$10000.00} monthly in spending with my American Express to be treated like this. You would think with what's going on in America a company like American Express would not blatantly discriminate against XXXX with a track record of paying their bills on time. I will not let this closure go unnoticed by the public. If it has happened to me, it's happening to other card members. My account should have not been closed, but rather suspended until payment was made due to my money being stolen. The accounts I have returned payments from has been closed and new accounts were issued as of today. I plan on fighting this matter with American Express.
Product: Checking or savings account

They offered a promotion that if you kept XXXX of new funds in your savings account for a specified period of time they would provide a 1 % bonus ( {$100.00} ). I followed the terms of the promotion by transferring in XXXX and maintaining XXXX in the account for the specified period of time but wasnt credited the bonus. When I inquired about it, they said I had needed to maintain more than XXXX to qualify. That wasnt my understanding of the promotion and the terms did not make that clear.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccuracy on my credit report. Upon reviewing my report, I noticed that the JPMCB CARD account ( Account Number : XXXX ) contains incorrect information that needs to be corrected. 

Specifically, my report states that the account was charged off, with a balance written off as {$250.00}. However, this information is inaccurate. The highest balance recorded on this account is listed as {$330.00}, yet my actual payments should not have resulted in a charge-off of this amount. Additionally, the payment history shows continuous " CO '' ( charge-off ) statuses for multiple months, which does not accurately reflect my payment record. The last payment date is listed as XX/XX/scrub> 2022, yet the charge-off status appears inconsistently before that date. 

I kindly request that the credit bureau investigate this discrepancy with JPMCB and correct the inaccuracies in my report. Please update my file to reflect the accurate payment history and remove any incorrect derogatory marks. Under the Fair Credit Reporting Act ( FCRA ), I request a thorough review of this matter, and I expect a response within 30 days of receiving this letter. 

Please send me a written confirmation once the necessary corrections have been made. If the credit bureau can not verify the disputed information, I request that it be removed from my report immediately. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I have advised the company & XXXX on multiple occasions to remove this medical collection as it violates my rights per the HIPAA ACT & my medical information is confidential! Neither the company ( COMMONWEALTH FINANCIAL ) nor has XXXX removed this medical collection from my Credit Report.
Product: Checking or savings account

During the period of XXXX Navy Federal consistently charged me overdraft fees of {$36.00} each when I made purchases with enough money to cover the transaction, but the account had a negative balance when the purchase posted. Due to them closing my account I am unable to access the $ $ amount, which is believed to be well over {$5000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entries on my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( 15 U.S. Code 1666b ). After reviewing my credit report, I have found that certain late payment entries are either inaccurate or unverifiable. I request a thorough investigation into these entries and their removal if they are found to be incorrect or can not be verified. The account ( s ) in question is/are as follows : Creditor Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX XXXX Creditor Name : XXXX  XXXX, Account Number : XXXX. Date of Late Payment : XX/XX/XXXX XXXX Creditor Name : XXXX XXXX  XXXX Account Number : XXXX, Date of Late Payment : XXXX XXXX Creditor Name : XXXX XXXX XXXX, Account Number : XXXX, Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 


Under 15 U.S. Code 1666b, creditors are required to promptly credit payments to the consumers account on the date they are received or earlier if applicable. If the creditor failed to properly apply my payments or reported erroneous late payments, this constitutes a violation of federal law. Therefore, I kindly ask that you investigate these entries, as they may reflect incorrect information or improper billing practices. Additionally, in accordance with 15 U.S. Code 1681i of the Fair Credit Reporting Act, I request that your agency ensure the reported information is accurate, complete, and verifiable. If it is not, I ask that it be promptly removed from my credit report. Failure to correct inaccurate information within the legally mandated time frame could further violate my rights as a consumer under these federal statutes. Please provide written confirmation of any changes made and send me an updated copy of my credit report once the investigation is complete. Thank you for your attention to this matter, and I look forward to your response within the 30-day timeframe required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent credit report showed a very large debt to a company I have never heard of, and said it was placed in a collections account. I called XXXX XXXX XXXX and they transferred me to XXXX XXXX XXXX. The first person I spoke with coul n't speak proper English. When I asked to speak to his supervisor, he wanted to know why, and continually refused to transfer me until I told him he was incompetent. Then a slightly more educated gentlemen got on the line, but tried to talk over me the entire time. The bottom line is, these are fraudulent charges and the 'companies ' associated with the debt can not find any account listed with them and are absolutely no help in resolving this matter. I've filed a dispute with the credit reporting agency, but these people should not be allowed to continue reporting false information on innocent people 's credit.
Product: Debt collection

Someone opened a fraudulent natural gas account using my first name and social security number. That account was sent to First Point Resources for collections. 

I submitted a credit dispute with XXXX of the major credit bureaus and they began investigating. During this investigation I worked directly with First Point, providing them verification documents by email as requested, including the FTC 's identity theft affidavit and a copy of the related police report. 

Eventually the credit bureau responded that the debt collection company ( First Point Resources ) had verified that this account was actually mine. 

Upset, I called First Point Resources to get an update on the situation. Their representative said that First Point never received a copy of my police report. I was incensed that instead of sending any notice to me that they did not receive my police report, they verified fraudulent information with a credit agency. 

I then proceeded to send police report and the other relevant documents by email to First Point. It took me sending these emails XXXX for First Point to " get them, '' the manager was never available to speak with ( always in a meeting ), and First Point has never in my interaction with them contacted me on their own initiative or informed me about the status of my collection account. All of this could have been avoided if First Point Resources notified me as they are required by Section 5 of the Fair Credit Reporting Act which provides that " if an agency declines or rescinds a block, it must notify you. ''
Product: Credit reporting or other personal consumer reports

I have previously sent disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. I provided a detailed list of the accounts in question and highlighted the errors and violations affecting my consumer report. Despite these efforts, it has been over 30 days, and I have yet to receive a satisfactory response or resolution. Attached are copies of the letters and supporting documents sent.

This company has violated FCRA 623 ( a ) ( 3 ) by failing to investigate and accurately report the disputed information.

Additionally, FCRA 623 ( a ) ( 5 ) has been breached as the account was not marked as disputed, despite being subject to an ongoing investigation.

The company has also violated FCRA 605 ( a ) by continuing to report outdated and incomplete information, which misrepresents the accuracy of my credit report.

Lastly, under FDCPA 809 ( b ), the company has failed to provide sufficient validation or evidence to substantiate the accuracy of the reported account, further violating my consumer rights as defined by the FTC.

I request that this matter be promptly investigated, and that the inaccurate information is corrected or removed from my credit report as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I CHECKED MY CREDIT EARLY XX/XX/XXXX AND I FOUND A LOT OF ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. AFTER THESE FINDINGS, I FILED A FTC IDENTITY REPORT AND FILED A POLICE REPORT WITH THE CITY OF XXXX ( REPORT # XXXX ). DUE TO COVID-19 I  WAS UNABLE TO PICK THE REPORT UP. I ALSO SENT IN LETTERS TO THE THREE MAIN CREDIT BUREAUS. XXXX AMD TRANSUNION STILL HAVE NOT RESPONDED TO MY REQUEST AND XXXX   RESPONDED BACK SAYING THAT THEY WERE DENYING MY PURSUIT OF SECTION 605B ( C ) OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX  XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XX/XX/XXXX {$580.00} 11 XXXX XX/XX/XXXX {$590.00} 12 XXXX XXXX XX/XX/XXXX {$500.00} 10 XXXX XXXX XX/XX/XXXX {$1600.00} 12 XXXX  XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$480.00} XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX   XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX  XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$360.00} XXXX XX/XX/XXXX {$360.00}
Product: Checking or savings account

on XX/XX/XXXX - XX/XX/XXXX {$7200.00} was taken from my account by a company called XXXX  XXXX XXXX XXXX. They are a known scam online gambling website. I have never used them in my life. I called the company and called wells fargo to dispute. They got my card information and charged me {$7200.00} in the matter of 2 days back to back. 
I submitted my complaint to wells fargo, along with proof I was in a different city at the time these charges took place. They denied my dispute.
Product: Student loan

XXXX of XXXX I contacted Navient to enter a income based repayment program based on financial hardship and not being able to make the full amount due each month. On XXXX XXXX XXXX I emailed the requested bank statements and proof of income. On this day I was told my information was received and the monthly repayment amount of {$290.00} was agreed upon. I agreeed to have this amount automatically deducted from my personal checking account starting on XXXX/XXXX/XXXX. I was told that the submitted documents would be reviewed and if the amount was not approved I would receive a call back. Since XXXX/XXXX/XXXX. Payments have been deducted from checking account in XXXX, XXXX and XXXX. On XXXX/XXXX/XXXX I started receiving phone calls every hour regarding my private loans. I spoke with a representative on XXXX and was told my paperwork was never approved because my bank statements and pay stubs were not received. Even though payments had been made. I resent the email containing the requested information sent on XXXX/XXXX/XXXX. And noted I never received communication telling me this was the case. On XXXX/XXXX/XXXX I spoke with a manager in the department that explained my paper work had to be reviewed and approved and the amount I agreed to pay ( which had been paid for the past three months ) may now be denied and the rate could change. This has now been reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am beyond angry my credit cards have been paid to a XXXX balance for one account an another was paid down to XXXX. I have been for 8 months obtaining documentation for all 3 buearus to prove that they are not reporting current an correct information because i am tring to buy a house. On the first i expected to see those corrections because I am so sick of this i am about to sue. An still no changes I am beyond angry this is so wrong an against the XXXX law.
Product: Credit reporting, credit repair services, or other personal consumer reports

i made a dispute requesting to have all old addresses removed from my report and addresses that i have never lived in and they will not remove them. according to law they should only report accurate information on my credit report. if not, that is considered misleading false reporting and should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 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 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : # XXXX and # XXXX Balance : {$2200.00} Date opened : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX CARD Date of Inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX Account name : XXXX 'S XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}
Product: Debt collection

I am writing to bring to your attention serious violations committed by Credit Service International Corporation in their collection practices. On XXXX, I received a notice of collection from Credit Service International Corporation, which admitted to sending the notice well beyond the mandated timeframe of 5 days after commencing collection efforts. 
Furthermore, the notice falsely indicated that the collection was initiated by the original creditor. As a consumer, I have not entered into any agreement with Credit Service International Corporation, nor have I received any verification or proof of the alleged debt owed to them. This egregious misrepresentation violates the Fair Debt Collection Practices Act ( FDCPA ) and places an undue burden on me as the consumer.

I demand that Credit Service International Corporation immediately cease all collection activities related to this matter and remove any derogatory remarks from my credit report. This is not the first time I have had to contest their actions, and if this issue is not rectified promptly, I will have no choice but to pursue legal action against Credit Service International Corporation for their repeated violations.

Enclosed with this letter are copies of the correspondence from Credit Service International Corporation, as well as any relevant documentation supporting my claims.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Credit Service International Corporation to ensure compliance with consumer protection laws. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} Late/Open XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX-Collection XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I tried to use my CashApp card and it was locked. I went into app and was told they would unlock it in 30 mins. then a few hours. then 24-48 hrs. then 2 weeks. I have money on the card. according to the transations no one has tried to use it but me. On XX/XX/XXXX, at their request, I sent them copies of front/back of my drivers license and a pix of me holding it. On receipt they promised to expedite it. Today, XX/XX/XXXX, after my 10th attempt by app and phone they told me I have to send them the pix again in order to " expedite the resolution. I have two case numbers, case # XXXX issued XX/XX/XXXX, case # XXXX issued XX/XX/XXXX. I asked why they assigned another case number and the rep " XXXX '' told me that each time I inquired they assigned a new number. My first time knowing this. Square is a large company that should have FAIL SAFES so these situations don't happen Can you please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a FTC report twice, ( XX/XX/2023 and XX/XX/2023 ) to all XXXX credit bureaus for a fraudulent account. XXXX did their investigation and found that the account was indeed fraudulent and removed it from my report. I submitted their findings to XXXX and Equifax, but they have yet to remove it and the only response that I received was that they would be investigating. That has been over 90 days now.
Product: Checking or savings account

My Truist checking account number XXXX was closed over three months ago. I phoned the bank 's fraud department. I was promised that a check will be issued to me after 45 days. I still haven't received my check, three months later. Please assist as I am now considering taking the legal route. Thanks
Product: Debt collection

T

he debt has been written off and I no longer owe a payment. The creditor did not send me a 1099c when they wrote off this debt, so that I could do the same. The balance is still reporting on my credit report as negative and that I owe this balance, even though they took a tax break! I am requesting a copy of my 1099C, that I didnt receive. This is making my credit report negative with inaccuracies. According to the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off, while still claiming I owe the debt.
Product: Credit reporting or other personal consumer reports

I noticed some inquires on my credit report that didn't belong to me.