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

There are several charges on my American Express XXXX  Card that I have not authorized. When I try to file dispute on American Express website, it always fails and does not let me successfully submit the claims. The charges that I have not authorized and should be immediately credited to my account are : ( XX/XX/XXXX ; XXXX XXXX   XXXX XXXX XXXX ; {$1500.00} ), ( XX/XX/XXXX ; XXXX XXXX  XXXX   ; {$170.00} ), ( XX/XX/XXXX ; XXXX XXXX  XXXX  ; {$560.00} ). There are 3 more charges with various issues that I would like to dispute as well but due to the American Express website issue I can't : ( XX/XX/XXXX ; XXXX XXXX MD ; {$73.00} ; I have never received this merchandise from the merchant. They have not shipped it nor communicate anything regarding the order. ), ( XX/XX/XXXX ; XXXX XXXX ; {$93.00} ; I have returned this order but not received credit for it. ), ( XX/XX/XXXX ; XXXX ; {$600.00} ; I have been trying to return this order but the merchant is not accepting returns despite their policy saying otherwise. ). Also, please stop any further charges to this account and issue me a new card with new card number.
Product: Mortgage

I asked Amerisave to terminate any applications I have with them on XX/XX/XXXX, and then on XXXXXXXX XXXX  I received an email stating they did a " credit denial. '' I have email proof of everything. I suspect a spiteful loan officer may have did this.
Product: Money transfers

I made a sale through Ebay, the customer paid via Paypal and I did not receive said payment for over 36 hours. I had to go ahead and ship the item due to Ebay 's policies so I could keep my high ranking. I was not notified by Paypal of any issues and had to aggressively pursue contacting them where I received less than adequate support and NO follow up. This was not an isolated incident, many accounts were affected, some had bank accounts hit a negative balance because of this. Paypal did not compensate us in any way ( a waiving of fees for the transaction, like Ebay has done in the past would be a step in the right direction ) nor have they apologized. A big company should not be allowed to hold people 's money hostage with no recourse available. Very unhappy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Report and the Police Report that I have filed on my local police department. I offer my testimony herein that I have not authorized or given anyone access to my private andconfidential records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried many disputes to have these claims properly investigated as they were unauthorized charges. The original creditor and the credit reporting bureaus have all ignored my pleas to go deeper into these fraudulent charges. XXXX, Equifax, and XXXX have displayed unfair practices by not properly investigating and continuing to report fraudulent information on m credit report. The original creditors have since then charged off these amounts and continues to report as a derogatory mark on my credit reports. I owe no balances to this company after paying them off in XX/XX/year>. I called them and requested they do a proper investigation as I didn't use any more credit for these accounts. My request was never granted and I have been disputing with this company for a very long time now. I was aware of the data breaches with Equifax, XXXX, XXXX, and XXXX but I didn't think to check my report because I didn't see any changes or red flags with the companies that reported breaches. I also didn't think these breaches would cause changes or unauthorized use of accounts that were on my credit report. The several calls I placed to the original creditors back in 2022 solved absolutely nothing. I even tried disputing the inaccurate information through the payment history showing that none of the information from all three major credit bureaus match across the board. That alone should have prompted the deepest investigation possible. I have now involve the FTC and attached documents for the original creditors and credit report agencies. I have been treated unfairly and my consumer rights have been blatantly violated. The stress from all of this is weighing very heavy on my mental well being. To have to go through great lengths to have serious negative derogatory information to remain on my credit report that's causing me to not qualify for any thing that I apply for. I am so scare to unfreeze my credit reports because I don't want to deal with something like this ever again. At this point, I don't care how high my XXXX XXXX gets this time, I will not give up until all the inaccuracies have been removed. I will never use my credit to apply for anything else every again because it's too stressful to deal with disputing fraud that never gets properly investigated.
Product: Debt collection

After pulling my credit report in XXXX, I notice a few accounts with a huge outstanding balance owed to Meridian Financial. I contacted Meridian Financial on XXXX/XXXX/XXXX. I spoke to XXXX about options for a plan to pay off the obligation. At that time, she said l would have to pay a lump sum of {$3000.00} in order for the account holder to look at the possibility for payment. 



I called Meridian Financial on XXXX/XXXX/XXXX and spoke with XXXX. I asked XXXX about my Credit Report and that it stated that I owe {$7500.00} and XXXX accounts. He informed me that the total is {$9400.00} and XXXX accounts on his records. XXXX stated that Meridian Finical Services a lump sum of {$3000.00} by XXXX/XXXX/XXXX or they are going to put more stuff on my credit report. Also, they could n't work with a payment plan until I pay {$3000.00} to possibly get approve for a payment arrangement. 



I spoke to XXXX at XXXX XXXX on XXXX/XXXX/XXXX at XXXX am. He told me that there is no one at XXXX XXXX can help me or speak to me about the account due to the delinquent status. He informed me to call Meridian Financial Services at XXXX ( but the # 's I have on file is XXXX ). I informed him the reason I contacted him due to not getting help with a payment plan from Meridian Financial Services and that I will be filing a complaint with the Consumer Financial Protection Bureau. He then gave me an email to contact the General Manager : XXXXXXXXXXXX. He then thanked me and said " have a good day ''. 



At XXXX XXXX on XXXX/XXXX/XXXX, I spoke to XXXX at Meridian Financial Services about the situation and he forward me to XXXX XXXX, where I left a voice mail at XXXX XXXX requesting a statement summary. 



I was not confident that XXXX XXXX would call me back so I called again at XXXX XXXX and spoke with XXXX. He looked at my account and said about the same thing. I asked if he could give me a summary of my account so I can visually see what is going on with my account. He said he could not and is not allowed to give me a statement of account or a letter with the proposal for repayment. 

I researched the complaints on this site and there are XXXX complaints against Meridian Financial Services listed in the database.
Product: Credit card or prepaid card

For the last four months, Comenity Capital Bank has issued statements for a CLOSED account. This account has been closed since XX/XX/2021 which is nearly two years ago. Comenity Capital Bank issued a written acknowledgement of the closure on XXXX XXXX, 2021. The closure was the result of numerous ( and apparently ongoing ) errors made by Comenity Capital Bank. 

It is not clear why Comenity Capital Bank is issuing statements for a closed account. It is even more baffling that they started issuing the statements on the closed, nearly two years after the fact. Presumably it is just another error made by Comenity Capital Bank which seems to be a common practice for them. 

This account does not have a balance. The final payment was issued on XXXX XXXX, 2021. Please note that the statements that Comenity Capital Bank has issued for the last four months confirm the zero balance. 

Comenity Capital Bank is the bank that issues credit cards in conjunction with or on behalf of BJ 's Wholesaler. 

Comenity Capital Bank and BJs Wholesalers were both contacted, in writing. Comenity Capital Bank has ignored all correspondence and continues to send statements for a closed account. 

This account is closed, it has been closed, and it will not be reopened.
Product: Credit card

I have XXXX and had to quit my job. I missed XXXX payments as I had no money to pay. I asked them to help me and they with Credit card hardship or Forbearance. They said they don't do that. I am told my payment is now {$500.00} that is way too much and they refused to lower it. My XXXX doctors want me to do XXXX  months more of treatments to see if the XXXX will shrink some more then XXXX XXXX said if it shrinks more then they will do sergury and if not I will have XXXX treatments to try and kill it. so I am hoping to be back to work in XXXX. I really need help I don't have {$500.00} to pay right now. 
Also my Kohl 's card on my phone shows how much i spend they are saying I went over {$340.00}. When my card did not show me that at all. I stopped at {$3000.00} as I knew that was how much I could spend. I have no ideal how it was over when my card didn't say that at all. 
Also they raised my interest rate with out notifying me first to let me know they were going to do it. When I asked them why they did that they told me XXXX  said they could do that. But by the law they are required to notify us if they are going to raise our rates. It was at an amount that was ok for me to pay but when they raised it it was way to much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted seedfi on XXXX XX/XX/2022 about my {$240.00} that was supposed to be refunded to my XXXX XXXX XXXX  account as they closed out XXXX by account on XX/XX/2022 They stated it would take XXXX to XXXX business days for me to get my money back. Now as of today XX/XX/1222 they're saying that they're keeping my {$240.00} that I had paid into the account as the account is XXXX XXXX for you to save money and it locks it in until you reach a certain amount of money then you're able to get your money back but they report all this as a loan on your credit So you can build credit history but really the company never really gives you any money that you can go and spend your anything like that it's all fake. So now they're saying they're keeping my money because my original agreement with them was that they would give me a {$1000.00} loan which I would have to pay back But really they never gave me any money they goes into an account and then it was locked until I reached that certain amount now that they're closing out my account they're refusing to give me back my {$240.00} that I paid in to them they never gave me the other {$760.00} they're saying that I owe them. This is crazy like they're basically just robbing me for my money and closing out my account and not allowing me to pay the other {$760.00} in order to get back my {$240.00} that I gave them I don't even think this service should be legal.
Product: Checking or savings account

I XXXX XXXX ; XXXX am writing you today as an aggrieved man. I notified PNC Bank of unauthorized transactions on my account a week ago. I have yet to receive my stolen funds back into my account! The claim number is as follows, XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX  # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX  XXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX -- IDENTITY THEFT 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 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 Any other adverse item 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have requested multiple times they send me information validating the debt they claim they hold, with no success. They state they do not do any communications via email, even though they provide an email on their website. 

When they do call and after I request it get sent via email, the lady gets upset then hangs up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and saw Hard Inquiries that I did not approve or authorize report to my credit I contacted the credit bureaus and the creditor of this matter, I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation 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 ATTCHED IS A FTC REPORT WITH ALL HARD INQUIRIES
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Nationwide Credit Corporation and/or XXXX XXXX XXXX XXXX misrepresented the total balance I owed on a credit card, after I paid the lower amount, they later levied the full balance against me. 

In XXXX of XXXX, I called XXXX XXXX XXXX XXXX ( XXXX ) to make payments and settle my credit card debt of approximately {$25000.00}. I was told that the account had been sent to Nationwide Credit Corporation ( NCC ) for collection. When I made contact with NCC to schedule payments, they told me the total balance owed was only {$6400.00}. I asked them to confirm as I knew the balance was roughly {$25000.00} ; they confirmed, and this led me to believe that they were settling the account for less. I scheduled a payment plan to start in XXXX ( see attached Debt Collector Letter ), but I was not able to begin payments at that time. However, a few months later, I called NCC again on XX/XX/XXXX to begin payments. I asked again if the balance was only {$6400.00}, and they confirmed. So I scheduled six monthly payments of {$1000.00} ( see attached NCC Payments ). After completing the first six payments, I received another letter requesting the final payment of {$430.00}. I called again and confirmed that this was the final payment and paid it on XX/XX/XXXX. 

In XXXX of XXXX, I noticed the status of the account on my credit report had not changed. I expected the status to show " account settled '' or " paid/closed ''. Instead, it was still showing charged off or balanced owed. So, I disputed the account, and when I received the results, the account was only updated to show the payments I made. So I called NCC again to inquire about the balance still owed ; unfortunately, I do not remember the date or who I spoke with, but she told me that XXXX gave them the wrong amount ( {$6400.00} ) and now they needed to collect the remaining balance of roughly {$19000.00}. I asked how it was possible that I needed to pay the remaining balance when they assured me the total balance was {$6400.00}. I took no action but thought I would dispute it again with the credit bureau and add the collection and proof of my payments as I did not provide any documentation the first time. 

In XX/XX/XXXX, I finally found the attached letters ( the only remaining ones I have ) and pulled my statements together to dispute the account status through the credit bureau with documentation. In XX/XX/XXXX, I received the results from the dispute, and the account was " verified and updated. '' The credit bureau ( XXXX ) provided information regarding your bureau to further dispute or file a complaint regarding the results of my claim.
Product: Checking or savings account

On XX/XX/XXXX we discovered 2 unauthorized debits of {$250.00} to XXXX XXXX. We informed Citibank about them. 
On XX/XX/XXXX we noticed another debit of {$220.00} to XXXX XXXX. There was another debit of {$130.00} also to XXXX XXXX on XX/XX/XXXX. We informed Citibank immediately and they put a hold on our account. We realized our account has been compromised. We started researching and found that there are 8 forged checks that have have been cashed for a total of {$5300.00}. Citibank refuses to return our funds.
Product: Mortgage

Freedom Mortgage has a very, very dated website that is extremely troublesome and won't process payments half the time. I have reached out to their customer service to see if there were options to pay my bill besides having to call the customer service number and speak with a representative. In XXXX when I attempted to pay my bill, I had issues and sent several emails with no follow up. Please note, there were additional problems making the XXXX payment. I was unable to pay on the site, through the automated system, and got disconnected from waiting on a customer service representative. I called on XX/XX/XXXX alerting the representative of the troubles I encountered the previous night. She stated there were a few issues due to heavy processing at the end of the night on XX/XX/XXXX. She stated that a supervisor would call me to assist. I never heard from anyone until I called after I was reported 30 days late on my credit. Please note, the company acknowledged that they received my email about issues with payments but the ball was dropped. I did alert the representative that a call was made to make my payment on XX/XX/XXXX but it did not go thru. They have marked my credit ( which has dropped scores tremendously XXXX, and they will not budge and offer a goodwill adjustment. I provided the company with a copy of my call log showing I was on the line with Freedom Mortgage for 14 minutes before being disconnected. I have sent multiple emails with the evidence I just described, showing that this was a fluke mistake. I emailed all of the executives, including the CEO. There are dozens of consumer complaints on The XXXX ( and XXXX, and virtually every other outlet ) outlining problems with ability to make payments. It is very alarming that when I reached out for help the month before with customer care and leadership, no one offered assistance.
Product: Debt collection

I have been contacted repeatedly by XXXX XXXX XXXX via phone and mail regarding a debt that is not mine. XXXX says I owe {$21000.00} on an American Express card. I have never had an American Express Card and they did not even spell my name correctly. This is a fictitious debt and we have contacted them to ask where they got this charge, but they will not explain it to me unless I give them all of my personal information which I refuse to do. The letters and threats of legal action keep coming. We are at a loss of how to stop them from continuing this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) 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.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 91681 Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud