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

On XX/XX/2022, I, XXXX : XXXX, XXXX American Express in regards to a billing error on my XXXX XXXX XXXX statement in the amount of {$2900.00}. This billing error shows American Expresss failure to reflect properly on my statement pursuant to 15 U.S.C. 1666 ( b ) ( 4 ). If there is a balance owed, it should be in the negative but it is clearly showing a positive amount. This positive amount is considered to be a credit balance in excess of {$1.00} created for American Express to hold for my benefit pursuant to 15 U.S.C. 1666d. I am requesting that the treatment of this credit balance be credited back to my account and refund any part of the amount ( by check in the mail ) of the remaining credit balance to me each month. I am also requesting that American Express send me a full audit trail of my COMPLETE file, transactional history NOT bank statements, and accounting ledger that is authenticated by a secured party pursuant to XXXX XXXX. American Express must refrain from any adverse action which includes restricting or closing my account pursuant to 15 U.S.C. 1666 ( d ). Any adverse reporting to any third-party agency in regards to the amount in dispute must be avoided for ( 60 ) days pursuant to 15 U.S.C. 1666a ( a ). Please find enclosed copies to support my claim. I
Product: Credit card

My former dentist, XXXX XXXX XXXX, recommended XXXX to prevent further XXXX XXXX, so I agreed ( for medical reasons only ). Her receptionist provided me with a treatment plan ( attached ) that noted my insurance would pay $ XXXX ( which turned out to be false ) and the remaining $ XXXX could be paid off over 24 months with no interest at $ XXXX. I was confused when I subsequently receive a credit card welcome packet from CareCredit, but XXXX XXXX explained that financing was just going through a third party. I set up {$160.00} on monthly autopay in my XXXX XXXX  XXXX bill pay center and forgot about it, based on the communication that that monthly amount would pay it off in 24 months. I have, as of this week, come to learn the dental office had opened for me a deferred interest credit card ( a product completely unfamiliar to me ), and the $ XXXX quoted was just shy of the total monthly amount needed to pay off the balance in the 24 month " promotional window. '' Looking back at my online statements in XXXX, I see now that CareCredit alerted me to the " expiring promotional window '' in XX/XX/XXXX, but I didn't see it because I was using autopay and my CareCredit statements. When it was almost but not quite paid off ( ~ {$370.00} balance ) in XX/XX/XXXX, CarerCredit then hit me with {$1800.00} in deferred interest charges -- -more than half of the total original purchase. I only caught this, though in XX/XX/XXXX, when doing an audit of our family 's bills. I called Synchrony Bank ( CareCredit ) on XX/XX/XXXX to clarify the interest amount and called back on XX/XX/XXXX to repeat my request for help and explain the misunderstanding and was told there was nothing they could do. To avoid any further issues, I have since closed my account and paid off the balance ( $ XXXX ) ; however, I think this credit card company should be held responsible for the lack of appropriate information provided by its dental partner, in this case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for approximately 3 years to get information on my credit report fixed regarding my federal student loans payment status. My loans were in XXXX in 2019 with a payment of {$0.00}. I then applied for the XXXX XXXX XXXX XXXX and my payments again were set to {$0.00} dollars. Due to my profession I am also in the XXXX XXXX XXXX XXXX which allows me to make XXXX payments even if those payments amount to {$0.00} then the loans are fully forgiven. During the time of the transition into the different loan status the loan showed a missed payment on each of the XXXX student loans. I have explained this to XXXX, XXXX and Experian. I have provided them with letters showing I never missed a payment because none was due. I have requested them to do a full investigation and not just call the XXXX XXXX, which would include documentation. XXXX of this has been done. How can I be 90 days past due when no payment was ever due. Represetatives for XXXX XXXX are often uneducated to what has transpired. This has ruined job opportunities and made it difficult for me in many other aspects.
Product: Credit reporting or other personal consumer reports

All hard copies from flagship credit, ect. Never used or inquired. The last XXXX hard copies where done without concent all in 2023
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

It has been 30 days, and you are in VIOLATION of this law. Please delete these items as soon as possible!

The alleged account is showing an inaccurate. PAYMENT STATUS, DATE OF LAST ACTIVITY and HIGH CREDIT LIMITS. The law states if it is accurate, it must be deleted, or you will be fined {$1000.00} per violation.

The following credit reporting agencies Experian, XXXX, and XXXX have had lawsuits filed for reporting INACCURATE INFORMATION on personal credit files in which you were ordered to pay millions and you continue to do the same illegal practices.
Product: Credit reporting

Initially I disputed an account, which came back verified, I believe the that the investigation is questionable.
Product: Debt collection

On XX/XX/XXXX i sent a ceases and deist letter to CBE Group XXXX XXXX XXXX XXXX IA XXXX instructing based upon the Fair Credit Collection Practices Act, 15 USC 1692g Sec.809 ( b ) that this claim is disputed and validation is requested, Proof That i owe XXXX XXXX I have never had account with XXXX XXXX, nor have i entered into any agreement with CBE group to pay them for any transaction i may or have not entered into. 
After giving fair warning they have continued to send letters and calls as of XXXX XXXX without any verification of the debt, this is threatening my lively hood by damaging my credit rating,
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request for Resolution Regarding Unauthorized Credit Reporting Dear XXXX XXXX XXXX XXXX, I am writing to address a serious matter concerning the unauthorized reporting of an item on my credit report, which appears to be in violation of both federal and Alabama state laws, particularly those pertaining to consumer consent. 

I want to emphasize that, even in the event of a permissible purpose, the consumers consent is indispensable. I explicitly deny providing consent for the reporting of the mentioned item, making the unauthorized reporting a breach of my privacy rights and constituting identity fraud, as stipulated in 15 USC 1681a ( 2 ) ( A ) ( I ).

Alabama Code Section 8-6-19 reinforces the requirement for explicit consumer consent, making any unauthorized reporting a violation of state law. Furthermore, 15 USC 1681s-2 ( a ) ( 1 ) ( A ) imposes a duty on furnishers of information to ensure the accuracy of the information provided to credit reporting agencies and requires obtaining consumer consent.

Additionally, I have not received proper debt validation, indicating potential bad business practices. According to Alabama Code Section 8-8-17, proper debt validation is a requirement, and the absence of such validation constitutes a violation of my rights under state law. This aligns with 15 USC 1681g ( a ) ( 1 ), which mandates that consumers have the right to request and receive validation of debts and provides that the consumers consent is required for certain disclosures.

Upon careful examination of my credit report, I discovered discrepancies in the amount owed across all three major credit bureaus, leading to a misrepresentation of the debt. Alabama Code Section 8-8-18 addresses misrepresentations of this nature, and 15 USC 1681i ( a ) reinforces the consumers right to dispute inaccurate information, ensuring that any corrections made are with the consumers consent.

I urgently request the immediate removal of this unauthorized and unverifiable item from my credit report, as it is adversely affecting my creditworthiness. The lack of my consent for the presence of this item makes it unverifiable, and its continued presence tarnishes my credit. I expect this matter to be resolved promptly to mitigate any further damage to my credit standing.

I anticipate your prompt attention to this matter and request a detailed response outlining the steps taken to remove the unauthorized item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just enrolled into XXXX XXXX  XXXX XXXX  app because I keep getting denied for credit for no apparent reason and they are showing several attempts with my social security number i think XXXX since XX/XX/1922 XXXX showing my social security number with the wrong address and the other XXXX with the wrong addresses and wrong social security number these are all listed under inquiries to my credit info via the XXXX  XXXX as told to me through XXXX XXXX XXXX XXXX  app. Also I have received strange inquiries through my text msg on my cell number recently through cash app asking me to receive an money request and I have no cash app in my name. Also I reported last month the same as I received an email about a XXXX account that I never opened which I called them and reported it. As well as there is XXXX old XXXX account with XXXX fallowers each ( XXXX total ) showing my pictures of which I have not had access to for around 3 years now, the accounts were hijacked from me by an extremely hitech computer network engineer ex boyfriend of mine 3 years ago named XXXX XXXX XXXX. Missouri who would beat the XXXX out of me and steel my cell phone, thus me getting a new phone and starting a new accounts, neither of which I have been able to access for 3 years now. When I approached XXXX they told me that since I did not have the password or recovery information for the accounts which he had already changed to his personal information that there was nothing I could do to close the accounts and so I was stuck not being able to close them PERIOD. unfortunately this happened twice, before I was able to escape the abusive situation. IF I could think of anyone involved with fraudulent activity on My personal accounts it would be XXXX XXXX XXXX XXXX mo I found an evergy bill for XXXX $ as well in his son 's name with mine that I never signed for. And I have gotten several strange emails with XXXX XXXX XXXX and as well as XXXX XXXX. I'm quite sure they are into catfishing innocent people out of my old XXXX  accounts and doing the most illegal activity which is the reason I was scared to report such crimes for I was scared that they might come to harm me if I told on them. I was informed by the local authorities here in XXXX ks that I needed to report this to the fbi as well so I will be seeing how to get them involved too if I need to. Thank you for your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccuracies on Credit Report Dear TransUnion, XXXX, XXXX XXXX I am writing to formally dispute certain inaccuracies on my credit report as provided by your agency. According to my recent review of the report, I have identified several discrepancies that I believe warrant correction. 

1. Account Information : Account Name : XXXX. XXXX XXXX. 

Account Status : The report indicates this account is Closed, yet it shows a payment status with Charged off. This is misleading and should be corrected to reflect accurate information regarding my payment history and account status. 

Payment History : The report lists payment history as XX/XX/XXXX days late with a record of XXXX. This does not accurately represent my payment behavior, as I have not been consistently late on this account. 

2. Amount Past Due : The report states an amount of {$770.00} as past due with no additional information. I request clarification and verification of this amount, as it appears to be an error. 

3. No Information on Payment Status : The report indicates No Info for the last payment status, which is inaccurate. I believe there is a record of my payments that needs to be updated. 

In accordance with the Fair Credit Reporting Act, I request that you investigate these discrepancies and provide me with written verification of the findings. If you find that the information is indeed inaccurate, I ask that it be corrected or deleted from my credit report. 

Enclosed are copies of my credit report highlighting the inaccuracies, along with any relevant supporting documents. Please inform me of your findings and any actions taken regarding my dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I placed an order with the merchant ( XXXX XXXX XXXX ) on XX/XX/XXXX for a shipment promised in 2-3 business days with an order value of {$6100.00}. I didn't receive the shipment for weeks and contacted their customer service around XX/XX/XXXX. Over the next 10 days with multiple email exchanges ( available for evidence ) and phone calls, the merchant couldn't locate the shipment and/or give an ETA on delivery. I requested cancellation and refund and the merchant agreed ( email available ). I also raised a chargeback request with the bank ( XXXX XXXX ) as I was not feeling comfortable with the merchant business practices and communication. Bank did provide an initial credit to the full amount. The same merchant later ( on XX/XX/XXXX ) charged my credit card {$4600.00} ( 75 % of order value ) as restocking fees for a shipment that was never delivered. Contacting Citibank and providing evidence has not resolved the matter and the bank has not been responding and resolving. Furthermore, Citibank has not provided any email/letter/online document about the charge itself. Only on phone, they are willing to confirm that it is restocking fees charged by the merchant. 

In this context, I would like to bring to your notice the following : 1. I have not been able to get a corresponding written document with explanation of this charge of {$4600.00} by Citi. All the other earlier documentation of dispute initiation exists online in my account. The charge has been applied without a corresponding documentation and/or communication to me. I have called Citi credit card support number to discuss the situation and they couldnt locate a document/communication in this context. They did mention that the charge is restocking fees from the merchant. I have not received a corresponding communication through email or postal mail either.

2. The original charge back request pertains to merchant not delivering the products. Over a period of 20 days through email and phone communication with merchant, I have tried to locate the shipment/tracking number for the deliverables which were promised to be shipped in 2-3 business days. Evidence of my email communication with the merchant is available. Merchant couldnt locate the shipment and/or tracking number and agreed to refund. Now, charging us 75 % restocking fees for a product which was never delivered is ridiculous.

3. I further checked the merchant website ( XXXX XXXX XXXX ) and noticed that they have 25 % restocking fees ( attachment no. 3 ). So, the calculations of 75 % of the initial order value doesnt add up. I am further lost in absence of a proper communication from Citi bank on the charge reason and the calculations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$8400.00} XXXX XXXX  XXXX Balance : {$34000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Wellsfargo is using an algorithm that factors in race resulting in a decreased credit scores for people of color. This is a violation of my civil rights when seeking to obtain an adequate interest rate. Their method is suppressive to people of color. I recently paid down {$14000.00} in student loan debt and more than {$1200.00} on my auto loan only for Wellsfargo to decrease my score 20 points after the major credit bureaus has increased my FICO score 18-20 points. I strongly believe Wellsfargo decreasing my score is suppressive due to their algorithm using race as a factor. Their racist algorithm needs to be invested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a account with Capital One It was cancelled In XXXX, at that time I was In the hospital with serious medical problems and was not available to make payments due to this company, when I did get out of the hospital and called them to speak about my late payments at that time, they said they understood and would work with me, I also asked about them waving the late fee and see about removing the credit reports or updating them due to medical reasonings, they did nothing to work with me at all so I decided to close the account and no longer have this card, It Is now XXXX, and I am requesting that this be removed from my credit report, please advice, thank you.
Product: Mortgage

I have submitted all required document for loss mitigation for financial hardship due to covid 19 pandemic and the bank dose not provide me the decision.
Product: Debt collection

Jefferson Capital Systems is reporting I owe XXXX on my XXXX  Credit Report and showing XXXX on XXXX  Credit Report. I work with a debt company who has gotten this account closed but they are still attempting to collect.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, at approximately XXXXXXXX XXXX  I was in XXXX XXXX located at XXXX XXXX XXXX. XXXX, Ga XXXX. At this time, I received a notification of two transactions made by my debit card at XXXX XXXX. The first was in the amount of {$820.00} and the second was in the amount of {$830.00}. I immediately called Ally Bank and reported my card stolen after noticing my wallet had been taken from my purse. I was advised, by Ally Bank, that there was nothing that could be done until the transactions posted to my account. At this time, I contacted the XXXX XXXX Police Department. At approximately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  arrived and completed a Police Report. On XX/XX/XXXX I was able to retrieve the report which stated that XXXX XXXX did respond to the XXXX XXXX and was able to obtain video evidence of two " mixed raced '' individuals unlawfully using my debit card. The report further stated that XXXX XXXX was able to match transactions with amounts and timestamps to corroborate my report and that all evidence was uploaded to XXXX XXXX 
On XX/XX/XXXX I uploaded my report to Ally Bank and was advised that the dispute case was opened. Since this day, Ally Bank has denied my dispute three times. Every time the reasoning changes. The first was due to no Police Report, which was later determined to be an error on Ally 's behalf. The second I was advised that other transactions were made with the same card on the date in question. This was also determined to be in error as they were looking at purchases made by my husband and not the actual stolen card. The third, and most recent, is due to the charges being made from a debit card. There have been multiple other excuses for no reimbursement, and it is now clear that Ally Bank is intentionally closing my dispute to avoid reimbursing me. 

Any assistance would be greatly appreciated. For Ally bank to so blatantly dismiss that a crime occurred and to have no regard for their customer 's well-being, I would bet that we aren't the first to come across this problem.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. Y10 e to in equaloustomer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process a 0:3was unfair and deceptive, as they & A & nor '' s comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations?
Product: Credit reporting or other personal consumer reports

Kindly remove this to my credit report. This is causing me a lot of XXXX  and XXXX.