23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Complaint Regarding Overcharge on American Express XXXX XXXX XXXX XXXX XXXX, American Express does not protect customers. 

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding my American Express XXXX card and an unresolved overcharge from a transaction with XXXX XXXX XXXX. 

On XX/XX/year>, during my visit to XXXX XXXX XXXX, I was overcharged for a service that the resort representative had clearly stated was a complimentary replacement for a service that was already included in the package I had paid for. I would not have agreed to the service had I known it would incur an additional cost. However, despite their assurance, I was still charged {$320.00}. The resort informed me that if I did not pay the amount, I would not be able to leave the island. 

Under pressure, I paid the bill but included a written notice of my disagreement with the charge at the time of signing the bill. 

I have contacted American Express multiple times, in both XXXX and XXXX of 2024, to dispute this charge. Despite submitting all necessary documents and clearly explaining that I was coerced into paying, American Express has refused to investigate the issue. They have simply responded by citing terms of the cardmember agreement and merchant policies, disregarding the fact that I was forced into the payment under unethical circumstances and had clearly expressed my disagreement with the charge. 

I am seeking assistance from your agency to protect consumers from such unethical and potentially illegal business practices. I believe I have been wronged both by XXXX XXXX XXXX and by American Express, who have failed to uphold their responsibilities to investigate a clear case of customer exploitation. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ca, XXXX email : XXXX phone : XXXX
Product: Credit reporting or other personal consumer reports

This COMPLIANT is a request to investigate the accounts listed below in my credit file. Credit bureau NOT DOING YOUR JOB to investigate and remove these accounts in my credit file. Until now they are reporting in my file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXX 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 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EQUIFAX credit report recently and found some inaccurate reporting on my credit report. I wrote EQUIFAX a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXX - XXXX  - XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to EQUIFAX in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige Financial a debt on my credit file that I do not owe. This debt was included in my Bankruptcy # XXXX. They are in violation of the Bankruptcy Law Act for continuing to report a balance. They are also still updating every month. This needs to be fixed.
Product: Payday loan

First of all, this form does not have a box to check that I never took out a loan from the questionable company and secondly, the only box I could check was that I was the borrower, which I am not, but the assumed borrower instead. 

I am getting requests for payment of loan # XXXX taken on XXXX/XXXX/XXXX obtained through AmeriCash Loans of Missouri for a person who has the same name as me but not the same SSN or address as me. The first written Notice Before Suit was received XXXX XXXX, XXXX. I subsequently sent a certified letter to their XXXX XXXX, IL collection office. I received confirmation of delivery by USPS. Another letter, Notice of Right to Cure Default, dated XXXX XXXX, XXXX was received by me on XXXX XXXX, XXXX via certified mail. The phone number for the company is XXXX but we are hesitant to call them in case it is not a legitimate business but a scam.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding a clear violation of the Fair Credit Reporting Act ( FCRA ) by XXXX and Experian. I have discovered that the consumer reporting agencies have reinserted previously deleted information into my credit report without providing the required notification, as mandated by 15 USC Code 1681 ( i ) ( 5 ) ( B ) ( ii ) ( C ). 
The accounts in question are as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 USC Code 1681 ( i ) ( 5 ) ( B ) ( ii ) ( C ), it is explicitly stated that if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted, the consumer reporting agency must notify the consumer in writing not later than 5 business days after the reinsertion. 
Despite this statutory requirement, I have not received any notification from either XXXX or Experian regarding the reinsertion of the aforementioned accounts. This failure to comply with the FCRA has serious implications for consumers, as it denies them the opportunity to review and dispute inaccuracies in a timely manner. 
I kindly request the Consumer Financial Protection Bureau to : 1. Investigate the reinsertion of deleted information by XXXX and Experian without providing the required written notification, as mandated by 15 USC Code 1681 ( i ) ( 5 ) ( B ) ( ii ) ( C ). 
2. Confirm the violation of the FCRA and take appropriate enforcement actions against XXXX and Experian. 
3. Ensure the immediate removal of the reinserted accounts from my credit reports. 
4. Provide me with written confirmation of the resolution and any actions taken.

I appreciate your prompt attention to this matter and the protection of consumer rights under the FCRA. Please feel free to contact me if further information is needed. 
Thank you for your assistance in resolving this issue.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I recently looked at my credit reports and noticed that this PLANET HOME LENDING , LLC reported 30,60,90, 120 day lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
Product: Credit reporting or other personal consumer reports

Dear CFPB and Equifax This is not a duplicate complaint. I am putting each issue on a separate complaint since Equifax is failing to read relevant information VIOLATION OF USC 1681 ( a ) 1 Equifax intentionally changed the name of the XXXX Medical Debit charge off from XXXX XXXXXXXX XXXX XXXXXXXX XXXX to create confusion and to avoid my dispute request a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
After a lengthy investigation through the agents working for Equifax, it was determined that their dispute agent had intentionally changed the name on the XXXX XXXX charge off account to a bogus name of XXXX. Equifax found the error, but never did correct it. The very person that changed the name claimed that they could not complete the investigation because they couldnt find the correct name. That is a very deceitful statement because they are the ones that changed the name. It created chaos and confusion, but prevented me from having a valid investigation. Such deceitful behavior undermine the public trust in the banking. System has mentioned in 15 US C 1681. It also prevented me from ever having. Issue resolved, and no investigation was ever done. 
During the investigation in XX/XX/XXXX by an Equifax agent, it was determined that no investigation had ever been done for this on my account. 
. I had requested a thorough investigation on XX/XX/XXXX and also in XX/XX/XXXX and again in XX/XX/XXXX. 
I am demanding for this medical debt account to be removed from my credit report immediately for the violation mentioned above and also because I was never notified of the name change, which created confusion when I attempted to do a dispute. This is also in violation of 15 USC 1681 that says I shouldve been notified of any changes to my credit report within five days.

As usual, I have included a copy of my drivers license and SS card Please see my screenshot that shows the account in question used to be under the name of XXXX but it was changed to XXXX immediately after my dispute request was received
Product: Vehicle loan or lease

My car was repoed in XXXX I have yet to receive a letter of intent to sale to the auction the bank says they dont have to give me that information but I looked it up and thats a XXXX XXXX please help me as I get my lawyer involved
Product: Credit card

I set up an account with Synchrony bank through Amazon.com. I set up recurring payments on this account so that the entire balance would be payed off each month on the statement date. 

Two weeks after a recurring payment was set to go through, I check my balance and see it is far higher than I had expected. It appears the last recurring payment had not gone through and I had been charged both a late fee and interest. 

The only communication I had received from Synchrony during this time was an email on the day after the payment was scheduled informing me that a payment had been posted. At no point was I informed that the payment had not been completed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and discovered that I have been a victim of identity theft due to data breaches. I was alarmed to find numerous accounts on my credit report that were not opened by me. This situation has been negatively affecting my ability to purchase a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

You have been called, emailed, reported to CFPB, and reported to fraud department for no updating address that has been requested to be accurately updated for past 2 years. I was told this issue would be fixed in 3 days 45 days ago. I check every morning and see the issue is still not resolved. I should only have my XXXX BEING REPORTED
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information were erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX  Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$39.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$370.00} XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX Balance XXXX : {$520.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

Dates : from XX/XX/XXXX to now Amounts : the upgrade offer, spending XXXX then give me XXXX. So the amount should be XXXX. 
Company : American Express Actions : 1. Owe my upgrade bonus for a very long time 2. With irresponsible attitude when dealing with things : 1 ) different words with my upgrade offer 2 ) different words with my qualified spending 3 ) wrong actions and answers with my questions 4 ) had impatient attitude sometime
Product: Student loan

I do not agree with the fee charges of {$370.00} as of to date on my account with FedLoan Services. A third party vendor reached out to me a year ago to acting as Fedloan Services so I could lower my monthly payment. This however was a scam and was not caught till I tried to get my tax information from FedLoan Services. I am dealing with the third party scam, but have asked FedLoan Services if they would wave the interest fee for this request came from the third part. They told me they are not able to do so. This is highly illegal what the third parties are doing to college students in debt and FeLoans is not trying to stop this in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft .....
Product: Mortgage

We had a lapse insurance coverage from XX/XX/2022 to XX/XX/2022. This was because we were out of country and missed renewing the policy on time. We did reinstated the policy and provided the proof of insurance on the mentioned website as soon as we received the communication mails from lender ( Flagstar Bank ) upon our return. In those mails they did mention that they will need to buy the insurance and lender purchased insurance will be expensive ( off course we did not see all that till we got back ). 

For the 30day period, lender is charging us {$520.00} for the 30 day period of missed insurance ( almost. This feels very egregious and is more than 5X the insurance cost that we currently pay. 

Upon my research, I found that under section " 1024.37 Force-placed insurance '' of Regulation Z, that such charges should be bona fide and reasonable. I do not believe that this charge is reasonable by any means and appreciate your support in resolving this issue.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Information on My Credit Report and Failure to Properly Investigate Disputes Dear Experian, I am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : Experian has failed to notify me of the methods used to verify the disputed accounts. 
Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy. 
My disputes have been dismissed without proper reinvestigation, as required by law. 
In light of these ongoing issues, I would also like to refer to the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The lawsuit highlights Experians failure to comply with the FCRA by neglecting to properly investigate disputes and by reporting inaccurate information without sufficient verification. This lawsuit is an important reminder that Experian is under scrutiny for these very same issues, and it is imperative that my case be treated with the same urgency and compliance. 

As stipulated under 15 U.S. Code 1681i, consumer reporting agencies must conduct a reasonable reinvestigation of disputed information and notify the consumer of the methods used to verify its accuracy. The failure to do so in my case is a direct violation of my rights under the FCRA. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that Experian adheres to its legal obligations under the FCRA. I demand the following actions : A proper investigation of all disputed accounts, with a reasonable effort to verify their accuracy. 
Written documentation of the verification methods used to confirm the disputed information. 
Immediate correction or deletion of any unverifiable or inaccurate information. 
Experians neglect of its investigative duties is unacceptable and has caused me unnecessary financial and emotional distress. I expect prompt action to correct these ongoing issues. If this matter is not resolved in a timely manner, I will be forced to take further action, including pursuing my legal rights under the FCRA, filing additional complaints with the CFPB, and seeking legal recourse for the harm caused. 

Thank you for your prompt attention to this matter. I look forward to a swift and thorough resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND IN MY AMAZEMENT, THE FRAUDULENT ACCOUNT WAS REINSERTED IN MY XXXX  CREDIT FILE. I'VE DISPUTED THE BMW FINANCIAL SERVICES FRAUDULENT ACCOUNT ( ACC NO : XXXX* ) ON XX/XX/2019. XXXX, XXXX, AND XXXX  DELETED THIS ACCOUNT FROM MY CREDIT REPORTS. HOWEVER, XXXX  REINSERTED THE FRAUDULENT ACCOUNT WITHOUT NOTIFYING ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Account # 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