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

I have the AMEX XXXX XXXX a high end consumer card which costs {$550.00} a year. I needed emergency cash as my funds and travel documents were stolen in XXXX. I went to numerous ATMs in XXXX that AMEX said worked per their find an ATM locator. None of them worked. I called AMEX to do an emergency cash transfer/wire/XXXX XXXX  After approx 1 hour on the phone it was set up. I went to the XXXX XXXX location and they were unable to process the transfer. I called up amex XXXX XXXX to complain. They advised to go to another location. So I wasted several hours going to the first one. I then went to another location and was advised they could not do it either. The reason was because amex XXXX XXXX  had send the wire to the wrong name. So I called and emailed XXXX XXXX to complain and ask them to correct. More time wasted -- now we are at several more hours after the calls, transport time, etc. They sent to the right name this time but provided the wrong wire retrieval number at the teller. More time wasted. Right number was then provided. I finally received the funds and had to pay a western union conversion fee in excess of what I would have paid had the atm worked with my platinum card. I called and emailed " XXXX XXXX XXXX' to complain and ask for compensation for lost time/expenses. Was told they could do nothing and needed to call " customer service. '' I called customer service a week ago and was offered an insulting XXXX dollars or XXXX points. New issue as well is that I was charged for two " emergency wires '' when I only retrieved one. It is very concerning I would be billed for two. I filed a complaint on the phone with AMEX regarding all and did not Hear back and it has been a week.
Product: Debt collection

i never did business with this company, i was a victim of identy theft.
Product: Debt collection

Received phone call from XXXX on XX/XX/XXXX, spam filter notified it was XXXX XXXX XXXX. No voicemail was left. 

Received letter on XX/XX/XXXX from XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, detailing to send payment online or via wire services. Sheet only details Creditor, Account Number, Balance, Name, and Additional Information For ( Insert State Here ) Residents, that does not include addressed state, or include the Fair Debt Collection Practices Act dispute form. 

Nowhere on the sheet is there information regarding how to dispute for residents not in states it has detailed. Per the new rules effective XX/XX/XXXX, XXXX XXXX XXXX must include a pre-populated form detailing how to dispute the debt validation. 

This is a clear violation of federal law that this company had no intention of following.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}.
Product: Student loan

My loan servicer is Mohela. I called Mohela today ( XX/XX/2023 ) and told the representative that I had received an itemized billing statement for the first post-pandemic payment that I made on XX/XX/XXXX, which contains itemized repayment amounts for each loan and the total repayment amount, but had received only an auto-debit notification for the second payment I made on XX/XX/XXXX, which contains the total payment amount only. I requested a billing statement for my XX/XX/XXXX payment and for all future payments. The representative told me that because I had signed up for auto-debit payments, I had forfeited my right to receive monthly billing statements. I asked her if I had ever been informed of this policy in any communication from Mohela. She said this policy was contained in my auto-debit application approval ( see attached XXXX  ) and the terms of my auto-debit agreement, but I havent been able to locate a passage in either document that states this. Mohelas Auto Debit Disclosure states : XXXX ) Auto Debit Statements. You will receive a monthly account statement from Servicer including each student loan on Auto Debit. [ https : //www.mohela.com/DL/resourceCenter/AutoDebitDisclosures.aspx ]. I believe I am entitled to an itemized monthly billing statement that contains how much I am repaying for each loan, and not just the sum total of all loans contained in my monthly auto-debit statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am a victim of ID Theft. Someone stole my personal information, including my ID and SS Card and later used my information to open the following accounts up fraudulently : XXXX XXXX XXXX, XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  Opened : XX/XX/XXXX Amt. XXXX XXXX  XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX The following inquiries were fraudulently opened in my name : 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 and XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Debt collection

I havent had services from this company. And I havent received any notices from this company with verification of this debt
Product: Credit card or prepaid card

I have a loan with CONNS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and CONNS with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

I contacted EOS earlier this month, around XX/XX/XXXX or XX/XX/XXXX, to discuss a settlement offer for an account they are currently attempting to collect on for XXXX XXXX XXXX. I asked what a one time settlement offer would be. The representative asked for updated contact information. I provided it as a good faith gesture that I was attempting to and had plans to settle the debt. When I provided my contact number, I told the representative not to contact me between the hours of XXXX XXXX - XXXX XXXX Monday through Friday because I was either commuting to and from work, or working during that time. I do n't talk or text while driving for safety reasons and I would get in trouble if I am on the phone during work hours. I also requested not to be contacted on Sundays. I have received 3 calls from them this week. The first two I did not answer the phone and those occurred on Tuesday, XX/XX/XXXX @ XXXX XXXX and this morning ( XX/XX/XXXX ) at XXXX XXXX. They called again at XXXX XXXX this afternoon ( XX/XX/XXXX ). I answered and the representatives phone connect was cutting in and out so bad I could barely understand the rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Experian lowered my credit score XXXX XXXX points. The company claimed it was because XXXX XXXX reported my credit was maxed out or overdue the limit. I contacted XXXX XXXX and I was advised that the information was NOT true. I filed a dispute with Experian and got the results as been in good standing with XXXX  XXXX. Experian still has not raised my score XXXX XXXX points that they originally lowered due to their false report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, dated XX/XX/XXXX. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request an investigation into the following inaccuracies and request that they be corrected or removed if unverifiable. 

Issues Identified : 1. Inaccurate Accounts : XXXX XXXX ( Account ending XXXX ) : A charge-off of {$680.00} is inaccurately reported with no payment history. This account needs deletion. 
XXXX XXXX XXXX XXXX ( Accounts ending XXXX ) : Two accounts are marked as charged-off with balances of {$4800.00} and {$15000.00}, respectively. These accounts needs deletion. 
3. Collections : XXXX XXXX ( Accounts ending XXXX ) : A balance of {$1100.00} and {$700.00} is reported for collections. These debts are invalid and needs deletion. 
4. Credit Usage Discrepancy : XXXX XXXX  ( Account ending XXXX ) : Credit usage is reported as XXXX XXXX, exceeding the listed limit of {$300.00}. This is inconsistent and requires correction. 

Please conduct a thorough investigation and provide the results and an updated report within 30 days as required by the FCRA. 

Thank you for your prompt assistance in resolving these matters. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX pm XXXX XXXX logged into my accounts online at US Bank and noticed my checking account had a {$1500.00} withdrawal from a branch in Minnesota. I live in Illinois and was logged in from XXXX I called the bank and they immediately flagged this as fraud and froze my account. They notified me that this was done at a teller at the branch. 
I reported things properly, filled out their forms, emailed them and hard-copy was mailed. 
I have asked for my money back- which was given fraudulently and negligently by THEIR employee. 
Their fraud liaison dept removed my now closed account from my online viewing so I have no ability to look at anything historical on my account- without asking them for statements. I've been a clients for XXXX or more years. 
To get my money back BEFORE they finish their investigations and protocols, I have to ask my branch manager here in XXXX, IL for a " provisional credit. '' I called first thing this morning spoke to a rep at the branch and left a voicemail for the manager. He never called me.
Product: Credit reporting or other personal consumer reports

Alleged account : XXXX Alleged account : XXXX Alleged account : XXXX To whom it may concern, I, XXXX XXXX, never gave ( CHEXSYSTEM ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : 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

Checking over my Credit Report & I have noticed that there are quite a few bankruptcy accounts that should not been on my report. I have mailed XXXX Equifax XXXX  & other third parties like XXXX XXXX  regarding reporting this inaccurate information in response they gave me the run around with little to no information to say something is validated. So I contacted the the bankruptcy court itself & here is statement showing that they do not report or share information with creditors or bureaus. So please remove these bankruptcies & the accounts attached to them now! 


Accounts included : XXXX  XXXX XXXX  ( 4 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records ( 2 ) accounts
Product: Credit reporting or other personal consumer reports

I recently looked over my credit report and spotted various billing inaccuracies. These late payments don't reflect my typical payment pattern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have an account with XXXX XXXX aka Nordstrom Card Services. They recently reported my account as overdue past 30 days to my credit file and my XXXX score dropped XXXX points. Due to the Covid epidemic, I was visiting my elderly parents for the first time with my children in over 2 years. I have never had a late payment with Nordstrom and I pay my balance in full every month. I used their poorly designed app to make my payment but apparently it did not go through. I did not realize this, because they NEVER sent me an email regarding my statement or a missed payment. They sent me DOZENS of promotion emails encouraging me to spend more on my card, but no notification that anything was wrong with my card. I came home from visiting my parents and received a notice on my credit monitoring that my XXXX score had plummeted XXXX points. I have EXCELLENT credit- over 800+ and was shocked. I immediately investigated and called Nordstrom and they refused to be helpful, lied to me during the conversations about their responsibility and never escalated my situation to a higher level despite the fact that I am a 8 year cardholder with exceptional payment history. I am so incredibly frustrated I will no longer remain a customer. Please help me with this situation. Thank you.
Product: Debt collection

XXXX XXXX has been sending me a bill for months about something that has been paid in full on XX/XX/2020, according to my health insurance. He is using Capital Accounts to seek to collect a false debt that has been paid already. 

My concern is that they won't stop calling me on the phone and my health insurance called XXXX XXXX and he said he did get paid and he would contact them to stop harassing me for the amount that has increase now to XXXX dollars. But he lied and the calls kept coming. In a recent phone call with the insurance company listening to his every word, he said I was irresponsible because I have not paid this bill. 

Sadly, Capital Accounts is getting an attorney to come after me for this false debt. The XXXX dept at XXXX XXXX XXXX said that XXXX XXXX was paid once and he was trying to get paid more that once for the same visit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my updated XXXX credit report and observed a hard inquiry on XX/XX/2018 from ford credit and XX/XX/2018 from XXXX XXXX XXXX dealership..I did not authorize these inquiries on my credit report and I did not even walk into XXXX XXXX  XXXX dealership on XX/XX/2018. Ford motor company has not given me written documented proof I consented to these hard inquiries as required per section 605 and section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX credit report
Product: Student loan

Good afternoon, I'm contacting you in reference to my Nelnet, Nelnet has been updating my account as delinquent for the past 4 months ( 120 days ) My accounts were consolidated with XXXX XXXX and I explained that to this company. I was told that the account would be placed on forbearance and no reporting would go further as, they do see the accounts is in consolidation status. this has caused a hardship on my credit rating my score has dropped over 100 points due to the failed actions by Nelnet My credit rating score was above 730. As this is a hardship on my file. I am requesting the removal of the negative rating on my credit file be removed from all reporting agencies XXXX, XXXX, AND XXXX. I need this done ASAP, as Nelnet is doing illegal collecting and reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report 2.Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report 3.Verify this invalidated account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid XXXX XXXX Card in full for 2 accounts held after going thru a financial crisis. it has been more since XX/XX/2017 that this accounts has been paid. they have failed to update my payment status to paid or delete the file as requested upon payment. i have XXXX XXXX multiple times i have called the collection agency XXXX XXXX XXXX begging to update this information i have send disputes to Transunion XXXX and XXXX and the fail to update or remove my credit files. i've paid in good faith to redeem my good reputation after my hardship. this is greatly hurting my process to buying a home
Product: Debt collection

Synchrony contacted a phone number they found associated with me, however not my number nor does the person no me personally and asked for me, when the person told them that wasn't my number they told them to me me who was calling and that I owed a 2020 debt with them and they'll be suing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XXXXXXXX XXXX XXXX. XXXX : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX .... Balance XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX  XXXX .... Balance XXXX {$3500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX... .Balance : {$4200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX .... Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX  XXXX .... Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.