23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Under laws of commerce an unrebutted affidavit stands as truth. I'm writing this complaint due to the fact that I haven't heard back from GM FINANCIAL nor have I seen this alleged debt removed from my credit reports. In the attached files you can find an affidavit of truth with exhibits, a cease and desist letter and a green return receipt showing that GM FINANCIAL has received all of the paperwork I have provided today.
Product: Credit card

Im filing this complaint because American Express has refused to help me dispute charges on my account that I never authorized. These charges were made by a merchant without my consent, and I only recently discovered them when I received an email from the merchant saying my latest payment had failed. That email prompted me to review my past statements, where I saw these charges for the first time. 

The merchant never sent me any emails about renewals, charges, or receipts at the time of these transactions, so I had no way of knowing they were being billed to my account. These charges are fraudulent, and I did not agree to them in any way. 

When I contacted American Express to dispute them, they said they couldnt help because the charges are older than 60 days. While I understand the usual time limit, this delay happened because the merchant failed to notify me of the charges, and I only found out recently. Despite explaining this to Amex, they refused to open a dispute or even investigate the matter further.

What Im Asking For : Id like American Express to : 1. Investigate these unauthorized charges.

2. Dispute the charges with the merchant and credit my account.

Ive been a loyal American Express customer and trust them to protect me from fraud, so Im disappointed they wont assist in this case, even though the charges are clearly unauthorized.

Thank you for your help in resolving this issue. 

These are the charges I'm disputing : {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed that inaccurate information was reported on my credit report. XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. This information was showing inaccurate on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I called XXXX XXXX XXXX XXXX at XXXX at XXXX XXXX to get my free annual credit report from Equifax . I was assured that such report would be delivered to my home address within 15 days. To date ( XX/XX/2019 ), I did not receive such report. I am entitled to get a free report once a year from Equifax. I urge you to contact Equifax on my behalf and compel them to release my credit report. 
Thank you for your help.
Product: Credit reporting or other personal consumer reports

Discrepancy in account information in the credit bureaus. XXXX has an auto loan from XXXX XXXX finance closed on my credit report which is has been. Yet, Equifax has the XXXX XXXX  auto finance loan still open and last reported on XX/XX/XXXX. However, it has been closed since XX/XX/XXXX according to XXXX XXXXXXXX auto finance and XXXX
Product: Bank account or service

Complaint 1. On XXXX XXXX, XXXX I found out that all my accounts were charged $ XXXX monthly fees. I truly believe that this is harassment and retaliation from citi bank because I was never charged monthly fee in the past. 
Complaint 2. On XXXX XXXX, XXXX I received a message from citi bank. " Citibank would like to take this opportunity to thank you for opening XXXX & # XXXX Interest Checking. 
If you have any questions about your new Citibank account ( s ), please contact the XXXX XXXX XXXX XXXX at XXXXCITI or visit XXXX '' I have responded immediately that I NEVER opened XXXX # XXXX Interest Checking. I further asked the bank to start fraud investigation. 
Complaint 3. On XXXX XXXX, XXXX I went to XXXX VA branch to make deposit. I never asked any bank staff regarding line of credit. However right on the second day, bank rep called me stating that he pre-approved a line of credit account for me with interest rate 2.99 %. I have rejected the phone call immediately stating I never asked this any type of borrowing product. 
Complaint 4. On XXXX XXXX, XXXX I went to XXXX branch to make deposit and demand promotional offer {$900.00} and thank you points XXXX. I was given extremely difficult time by the teller such as asking my social security number, phone number, ID etc. The teller told me this is banking policy. I asked him to show me banking policy. However he can not show my anything. I have reported this to his manager. His manager made all copies of promotional offer and checked my accts why it met promotional requirements. Second week I never heard anything. 
I do NOT think that I had any pleasant experience with this bank but to ask this bank to address the above XXXX complaints or even more. Please honor promotioal offer and unpaid bonus. So I can choose another bank with positive experience. I have all evidence in my hand. I would like to provide per your request.
Product: Credit reporting or other personal consumer reports

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED EQUIFAX INACCUARATELY REPORTING LATE PAYMENTS FROM MY CREDIT XXXX ACCOUNT. 

I CONTACTED EQUIFAX AND ADVISED THEM OF THE ERRORS. I HAVE REQUESTED PROPER VERFICATION TO VALIDATE THESE LATE PAYMENTS. 

ACCORDING TO THE FCRA, SPECIFICALLY REGARDING BILLING ERRORS 15 USC 1666B STATE, THE CREDITOR HAS TO SEND A STATEMENT XXXX  DAYS PRIOR, AND UNDER A OPEN END CONSUMER CREDIT PLAN A PAYMENT CAN NOT BE CONSIDERED LATE FOR ANY REASON. I HAVE REQUESTED PROOF, A COPY OF THE CREDITORS BANK RECORDS, OR PROPER PROCUDE TO ENSURE THE ACCURACY OF INFORMATION BEING FURNISHED TO MY ACCOUNT WHICH IS STATED IN 15 USC 1681 ( E ) B.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me and i've been disputing it for several months now.
Product: Checking or savings account

Properly mobile deposited a two party check and they are refusing to unlock card so I can use my money because of verification reasons. When we have explained to them that it was my boyfriend and his phone number they are saying its not popping up for them. We called his phone provider XXXX and XXXX and they said everything was correct and under his name but they still for some reason cant pull up his info linked to that phone number. Im about to take legal action over this because they are withholding {$2000.00} dollars of our money. I had multiple reps in the fraud department hang up on me when I asked for a supervisor.
Product: Credit reporting or other personal consumer reports

I was about to declare bankruptcy but I did not go through with it so I withdrew it never went to court, but on Experian in eqaufax and XXXX had it on my credit report so I dispute it on all three agencies but XXXX was the only one took it off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Department Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Experian Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.


Remove the item from my credit report if it can not be verified or is found to be inaccurate. Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information. 15 U.S. Code 6802 : Obligations regarding the disclosure of personal information. 15 U.S. Code 6803 : Disclosure of privacy policies. 15 U.S. Code 1681e ( b ) : Accuracy of credit reports. 15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports. 18 U.S. Code 1028A : Aggravated identity theft. These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall 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, within 30 days. As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter on XX/XX/2018 appearing as an offer to consolidate my student loans under the Federal Student Loan Forgiveness Program. After calling the number given I was greeted with an agent that said they worked for Navient. They gave my student loan servicer, loan amounts and then I was asked to verify my information to verify my identity. As asked for, I offered my FSA ID, PIN, employer name and status and gross annual wage information. They told me that I definitely qualified for the student loan forgiveness program and would only need to make payments to them per month towards my student loans for 10 years after which my loans would be 100 % forgiven. I would first need to make a large Loan Service payment in order to process the consolidation. They would only accept Direct Bank Transfers. Given that they were posing as a government agency and the fact that they had my data before I even offered it.I gave them this information as well. They said they would then send my loan to be serviced by a private company XXXX XXXX. That my loan statments would show up as {$0.00} owed but that was because XXXX XXXX would have already made the withdrawal from my account and I shouldn't worry about that as it was just a receipt acknowledging my payment. I signed an agreement under the false information they had just provided me over the phone and was none-the-wiser for it. Because my loan was actually {$0.00} due each month I never suspected that I was being scammed and my credit report reflected that I was good on my payments to my student loan. It wasn't until 11 months later when verifying that my student loan renewal information was correctly received that I found that while Navient is an official government student loan servicer I never had my loan put into the Federal Student Loan Forgiveness program and also that I had made 0 payments on my loans since consolidating them into Navient. It was at this point I was made aware that I had been scammed. Upon reviewing all of my account information with Navient I found that XXXX XXXX had logged into my account with Navient and had changed my email in an attempt to subvert the control of information to me.
Product: Checking or savings account

Hi, I submitted an application to open an online savings account on XX/XX/XXXX with HSBC. The advertised APY was 1.55 %. When I created the account on XX/XX/XXXX, I used the HSBC live chat to confirm the 1.55 % APY regardless of amount, whether it was $ XXXX or $ XXXX. The customer service agent confirmed my understanding. The application was approved on XX/XX/XXXX and was initially funded with {$1000.00}. The first account statement for XX/XX/2020 - XX/XX/2020 showed an APY of 1.29 %. On XXXX, I received an email that the APY is being further lowered to 1.01 %. 

In a matter of 2 weeks, they've lowered the APY 55 bps. I can't close the account within the first 180 days without a {$25.00} cancellation fee. This bank is luring people with false terms and robbing them of their savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$31000.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX {$320.00}
Product: Credit reporting or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation about the account listed below that is reporting on my credit report. I requested an investigation because I felt the item is not being reported legally. I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation? 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I had a Chapter XXXX Bankruptcy discharged. <P/>XXXX XXXX was included in this bankruptcy discharge, and should NOT be reporting ANY negative information on my credit reports. <P/>XXXX : XXXX XXXX listed as an " adverse account XXXX XXXX : XXXX XXXX listed as a " Negative '' in XX/XX/XXXX Equifax report : XXXX XXXX XX/XX/XXXX " date of 1st delinquency, '' XX/XX/XXXX " Date major delinquency 1st Rptd '' On XX/XX/XXXX I  contacted XXXX XXXX XXXX and Equifax credit reporting agencies. The agencies acted clueless as to why XXXX XXXX is showing negative on the credit reports. On XX/XX/XXXX I  contacted XXXX XXXX whom said they would open up an investigation regarding the negative reports. <P/>I have also been told by my banker that XXXX XXXX is reporting a late payment from five years ago.
Product: Credit reporting or other personal consumer reports

Formal Dispute of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) under FCRA & FDCPA To Whom It May Concern, I am writing to dispute the inaccurate reporting of the XXXX XXXX  account ( # XXXX ) on my credit report. This account was previously removed from my XXXX report, indicating it was either inaccurate, unverifiable, or unsubstantiated. However, it continues to be reported by your bureau, in potential violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Legal Grounds for Dispute : FCRA 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccurate Information Under this law, I formally request an investigation into the accuracy, completeness, and verifiability of this account. 
If XXXX XXXX can not verify the legitimacy and accuracy of the account within 30 days, it must be deleted from my report. 
FCRA 609 ( 15 U.S.C. 1681g ) Right to Obtain Verification I demand a full verification of this account, including : A signed contract or agreement proving my obligation to XXXX XXXX. 
A detailed payment history showing how this alleged debt was calculated. 
Proof that XXXX XXXX has the legal authority to report this account. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of Furnishers to Provide Accurate Information If XXXX XXXX  is furnishing inaccurate or unverified information, it is required by law to correct or delete the account. 
Continued reporting of inaccurate, outdated, or unverifiable information may result in legal action.

FDCPA 807 ( 15 U.S.C. 1692e ) Prohibition of False or Misleading Representations If XXXX XXXX can not prove the validity of this debt, continued reporting may constitute fraudulent representation, subject to penalties. 
Requested Action : Immediately remove the XXXX XXXX account ( # XXXX ) from my credit report. 
Provide a written response confirming the deletion or the results of your investigation within 30 days, as required by law.
Product: Mortgage

My mortgage company is BSI Financial. I had signed up for forbearance initially when COVID started and my wife lost her job. After 6 months of the forbearance plan I have called over and over again to get it resolved and start paying again ; I have only spoken with 1 point of contact that said underwriting was still doing the loan modification and not to worry. I have still called multiple times a month and we now received a letter from mortgage company that they are going to foreclose on the home. I have a point of contact extension that everytime I call goes to XXXX. 
I call customer service and they say they cant help and transfer me to point of contact which goes to XXXX. I have been able to make mortgage payments at the end of the 6 months but it is now 533+ days delinquent with no one to help me.
Product: Debt collection

I checked my credit report and there was a company I had never heard of. I never conducted business with. This company is XXXX XXXXt Address : XXXX XXXX XXXX XXXX XXXX, WI I wrote a certified letter to the company but I still did not receive a response.
Product: Debt collection

Midland Funding LLC has continued to collect and alleged debt from me and call my job, without verification as requested. I have never had an account with this company and have sent them many letter requesting verification but to no avail. Now i am receiving threatening phone calls from their agents stating that they are going to send a letter to my job if I do n't give them a credit card number. This is not my debt and I do not have any information from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is not updating there credit reports in the established manner
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX
Product: Debt collection

Nearly every single day many times a day starting in XXXX 2022, a IQ data international attempted to collect a debt of {$820.00}. I repeatedly told them that I would like to make an installment account and negotiate pay for delete arrangements, they refuse multiple times and I told them I could not pay the debt out right. They threatened to put it on my credit report if I did not pay in full by a certain date and suggested I apply for loans to pay their debt of which the loans they recommended were of an upwards of XXXX  % interest. I repeatedly request installment plans and was denied, they repeatedly called me despite me telling them not to call me and despite me telling them when I would call them back to get back in contact. They have frequently called me despite me telling them not to call me. As I believe today they put it on my credit report despite continually refusing to send written documentation or negotiate installment payments. This was after a many months long harassment campaign, where threats were utilized about damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice my credit report has unauthorized inquiries, same company but different dates XXXX XXXX XXXX Date:XX/XX/XXXX :XX/XX/XXXX: XX/XX/ Type All Banks XXXX  Date :XX/XX/XXXX Type Telephone Companies XXXX XXXX Date XXXX XX/XX/XXXXType Telephone Companies XXXX XXXX XXXX XXXX  Date : XX/XX/ Type All Banks XXXX XXXX Date : XX/XX/ Type General Clothing Stores XXXX XXXX XXXX   DateXX/XX/XXXXType Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Date XXXX Type Auto Financing Companies