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

To whom it may concern, AMEX decided on XX/XX/XXXX to cancel ALL my AMEX accounts that I had with them. They gave me no valid reason for this on the phone, and just won't tell me why. I have been a customer of theirs since XX/XX/XXXX. This type of behaviour and inconsideration is unacceptable. I deserve better. I have never missed any payments, and always had my accounts in good standing with never having an issues with them. 

I believe they have heavy handedly closed my account for a reason that was beyond my control and/or someone has made a mistake and won't own up to it. However, I suffer here because I have outstanding balances that I am used to paying over time for, but now they require the amounts in FULL. Each time I contact AMEX no one knows what is going on. 

On XX/XX/XXXX I was alerted by XXXX that AMEX had opened an account under my name, which is not something I did. This reflects now on my credit score rating. Again I contacted AMEX and they won't tell me anything. I want this " new account '' taken from off my credit score and rating as I have not opened anything. They closed all my accounts down on XX/XX/XXXX and then ran a new account through a credit check the day after. It all seems too coincidental and I require answers. 

Finally, I am demanding a pro-rata reimbursement of the {$550.00} annual fee I paid for my Platinum Account that AMEX charge. AMEX cancelled my accounts themselves, I didn't cancel them, therefore I paid them a fee for a service of the card that I haven't fully gotten, thus they have taken my money from me without keeping to contract of offering that full service for 12 months. I would like AMEX to reimburse this. 

I look forward to their response. 
Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 antedate 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE INACCURATE XXXX COLLECTIONS OPENED WITHOUT MY KNOWLEDGE. 

XXXX SOURCE RECEIVABLES MNGMN WAS OPENED BY XXXX AND SHALL DELETE FROM MY CREDIT REPORT. ACCOUNT NUMBER : XXXX WITH A BALANCE OF {$8200.00} IS INACCURATE XXXX COLLECTION. 

XXXX SOURCE RECEIVALES MNGMN WAS OPENED BY XXXX AND SHALL DELETE FROM MY CREDIT ACCOUNT NUMBER : XXXX WITH A BALANCE OF {$7800.00} IS XXXX COLLECTION. DELETE THOSE XXXX COLLECTIONS ACCOUNT FROM MY CREDIT REPORT BY LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, The companies below have many inaccuracies on my Equifax credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Twice ) Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Equifax credit report for many blatant inaccuracies they refuse to fix.
Product: Mortgage

I had my home insured thru mortgage co ( XXXX XXXX XXXX ). Coverage effective from XX/XX/XXXX thru XX/XX/XXXX. Name of insurance co. was XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX insured home with XXXX XXXX XXXX. called XXXX XXXX XXXXXXXX XXXX on same day and cancelled their policy. Well I worked at XXXX XXXX. for 20 years so I knew I was due a refund..I went back and forth with Green tree in reference to my refund and they told me that they do not give refunds..I filed a complaint with NC Insurance Comm. on XX/XX/XXXX and XXXX XXXX was assigned complaint. XXXX XXXX contacted Green Tree and XX/XX/XXXX received my refund of XXXX..Well Green Tree added XXXX to my regular mortgage payment and I have been going back and forth with them trying to get them to remove XXXX because they are saying my mortgage is past due since XX/XX/XXXX, and this is not so. I was going to file another complaint with NC Insurance Comm. but they said I need to file the complaint with your office. I really hope you can help resolve this issue, because it has been stressing me out since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - THIS IS NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX THIS IS NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 

XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX- THIS IS NOT MY ADDRESS. 


( XXXX ) XXXX - not my number ( XXXX ) XXXX - not my number XXXX XXXX XXXX not my name XXXX XXXX- not my name XXXX XXXX XXXX- not my name XXXX XXXX XXXX XXXX- not my name XXXX XXXX  XXXX - XXXX - THE DATE OF LAST PAYMENT IS DIFERENT IN ALL THREE CREDIT AGENCIES, REMOVE LATE PAYMENTS. 


XXXX XXXX - XXXX - this account does not belong to me XXXX XXXX - XXXX - this creditor does not own this account. 



XXXX XXXX/XXXX- XXXX - I was never late on this account. 



XXXX XXXX - XXXX - paid, never late. 



XXXX XXXX XXXX XXXX - please send me the docs that prove that I was ever late. 



XXXX XXXX XXXX XXXX XXXX - XXXX - remove due to inaccuracy - I never paid late. 










XXXX, XXXX - XXXX - The original account was never verified ; how can this account continue to report on my credit? This is unlawful reporting and unless I can see your proof, this must be removed immediately XXXX XXXX XXXX XXXX - XXXX - This account is outdated it should have been removed automatically and yet, it shows as if its a new account! 
XXXX XXXX XXXX XXXX - XXXX- Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact! 
XXXX XXXX XXXX XXXX - XXXX - Why are there are late payments reported on the original account after it was sold to a collection agency? As far as I see it, that would make the account inaccurately reported, right? 

XXXX XXXX - XXXX - The original account shows late payments AFTER this account was sold to a collection agency. This account can not report on my credit file XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern about a feel transaction
Product: Debt collection

UNIVERSAL ACCEPTANCE CORPORATION/ CARHOP YOUR COMPLAINT This account Is Passed the California Statute of limitations for debt collections. This auto loan is owned by Universal Acceptance Corporation. This account went into collections from XXXX XXXX XXXX  The last update was XX/XX/XXXX. I disputed this account with XXXX for this exact reason and it was originally removed from my report. This has been put back onto my report illegally. I have never had any form of contact from Universal acceptance corp/carhop since XX/XX/XXXX. As of today, XX/XX/XXXX, this account is 2 years passed the statute of limitations for debt collections in the State of California ( statute of limitations for debt collections is 4 years in California, this account is at 6 years ). This is an FCRA violation and needs to be removed from all credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a credit repair company with the idea that I would only be charged when services were provided. Nothing was done on my credit and then XXXX XXXX XXXX put a collection account on my report for {$1300.00}. They did nothing for me except take my money and then tried to charge me even more. I requested a copy of my contract and they still have yet to provide me a copy with my signature.
Product: Debt collection

Dear CFPB, I owed XXXX XXXX XXXX for a phone bill for wireless service in the amount of {$310.00} and due to nonpayment my account was suspended on XX/XX/XXXX. I wasn't able to access any service from XXXX XXXX XXXX after my account was suspended including the internet, so it was hard to pay my XXXX XXXX XXXX XXXX bill. 

Although my service was shut off, I was sent another bill for another service period from XXXX XXXX XXXX saying I owe {$410.00} on XX/XX/XXXX. I contact AT & T to dispute the amount, however I was later sent to collections. 

I eventually paid the collections agency ERC ( Enhanced Recovery Company ) over {$700.00} for the balance of the closed account. ERC sent the negative result to my credit report. It is ( XXXX ) still  impacted negatively today ( XX/XX/XXXX ). 

On XX/XX/XXXX and on XX/XX/XXXX, I called XXXX XXXX XXXX and ERC both and they say there is nothing they can do to fix the problem that they caused resulting in a negative report on my credit history, significantly lowering my credit score. 

I've attached the documents showing : 1. The service suspended ( email ) 2. The extra charge after the service was suspended ( email ) 3. The account being sent to collections ( email ) 4. The total balance after the account was closed ( email ) Thanks you
Product: Checking or savings account

I was a victim of investment fraud/scam. The company is called XXXX XXXX ( XXXX ). I initially invested XXXX  into the company. After some time and watching my eoptions account increase they said it was time to pay me my profit. They asked for my bank account info for the transfer. They then wanted to connect to my account with a XXXX XXXX account to make transfers easier. What they did was provide me with XXXX a day to my account and then wanted me to use that to buy bitcoin with since it was profit and send it to them and by doing this I would receive more of a return on my investment. A total of XXXX was sent to me. I used that to buy bitcoin with as directed by the company. And after it was all spent the XXXX XXXX company account then pulled the XXXX back out of my account putting my account into negative. The company tried calling it a mistake and they would fix it and they have not fixed it for over a week. I have reported this to the local police, FBI, IC3, and now here.
Product: Debt collection

Axcess Financial purchased a debt from XXXX XXXX years ago and both companies have been reporting XXXX false debts to my credit for almost 9 years now. I called XXXX XXXX to pay my balance of {$330.00} and they did not close the account and tried to charge me cancellation fees and late fees which caused the debt to be {$560.00} so they have been scandalous making it look like XXXX separate debts and the ones they sold it to are reporting it as well. This is beyond criminal. I have disputed it more times than I can count over 9 years and they keep lying and its never resolved. Please help, I cant take any more mental and emotional abuse from these creditors and I can't afford for them to keep ruining my credit with lies. Here is the company information for both. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Axcess Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Optum owes me {$220.00} from my dependent care FSA that I am in fear of losing due to the IRS 's use-or-lose rule,. I have contributed {$3600.00} and have only received reimbursement/payment for {$3400.00}. I have contacted Optum via e-mail messages, app messaging, and phone on multiple occasions and have been told different reasons for not receiving payment each time. The most recent claim submitted was for {$720.00} on XXXX. I am only owed {$220.00} but submitted a larger claim amount because that is the only receipt I had to submit. Optum has told me that I do not have any funds in my account for reimbursement, however, my contributions versus payments as well as a statement from XXXX show that I should have a total of {$220.00} that is due to me for reimbursement. I last contacted Optum via phone on XXXX and was told that my claim had been escalated to their claims department which is the same thing I have been told since I first contacted them in early XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX, a Toyota dealership had two listed vehicles under my account which were unauthorized by me. The day of the visit to the dealership, I was there to have repairs done on my vehicle, such as an oil change. However, upon the transaction end time and purchase of the service repair, I was notified of other vehicles on my account that did not apply to me nor were inquired by myself. There is this webpage I see quite often that sells the same vehicles I have purchased/own in the past and they constantly contact me about them.
Product: Debt collection

They call me on my cell phone during working hours. They are aware this is a cell phone. I have told them that I do not have a land line I have written to them telling them not to call me at my job. They are aware of my work hours. I also do not owe this debt. The vet took an XXXX that I did not authorize.
Product: Debt collection

I walked into XXXX XXXX with the intent to exercise my rights as a consumer. I filled what I thought was a consumer credit application and was coerced to put {$2000.00} down cash, no insurance included, and statements sent through the mail for the collection of a loan i had no idea of. Im aware that Truth In lending specifically states the finance charge does not include type payable in a comparable cash transaction meaning finance charges can not have cash or a downpayment of cash involved. Insurance wasnt included and all sorts of fees were outside of my finance charge, which is a violation of Truth In Lending. I paid cash and have proof attached. These two corporations and its employees effectively worked together to deprive me from my natural rights as a consumer. WELLS FARGO employees of XXXX XXXX completely had me believe this was a consumer credit transaction. I had no intent to walk out with a loan and harassment through the mails. WELLS FARGO & XXXX XXXX created a false & deceptive loan. Harrassed me through the mails attempting to collect on this alleged debt. WELLS FARGO sent me correspondence in the mail with logos inside and outside showcasing this alleged debt to neighbors, one of which is threatening me with repossession on XXXX. It stressed me out and cause serious mental trauma and on XX/XX/21 my worst fear happened as an associate from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX came and took my property away from me on XX/XX/21. My life has been ruined by this and i have no means of transportation. I cant see my daughter, get food, and take care of every day things. WELLS FARGO has no present right to possession of the property claimed as collateral through an enforceable security interest as I have no liens against me and property is exempt by law from such dispossession or disablement due to my 4th amendment rights. I've tried several times to stop the harassment and threats via mail. They have yet to respond to my letters I've sent. I really need help from the CFPB & Attorney General to get this corporation to respond appropriately to my affidavits.
Product: Checking or savings account

On XX/XX/XXXX I tried to transfer money out of my PayActiv account into a different account at XXXX XXXX  XXXX. 

There is no way for me to access the funds on my debit card, other than through an ATM or by using the debt card at a retailer. PayActiv will not allow me to transfer money into another account I own, eventhough their website says I can transfer my money to any account I own. 

I tried to contact Customer Service on XX/XX/XXXX, and they were unable to resolve my problem and asked I send a video of what the PayActiv account looks for me so they could escalate to their team. I did, and its been over 2 weeks and I havent heard back from them. 

They are blocking me from accessing my funds and havent given me any solution to my problem.
Product: Credit reporting or other personal consumer reports

Im disputing this item because According to the FCRA 605b law this was not Authorize to report on my credit report Equifax need permission to report this on my credit report which I did not give them permission OR Didnt provide them with a written letter to report this on my credit report to do This is a violation ef 15 U.S. Code 1681 ( 9 ) Removal of inaccurate/invalidated credit information. Please remove it immediately.

How is this keep coming back verified when none these company can send me proof of a Purchased Agreement, my wet signature and ID verification. So delete this inaccuracy from my report.

DELETE THIS IMMEDIATELY OR I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i received XXXX credit alerts that my credit was pulled by XXXX institutions. 

XXXXXXXX XXXX XXXX XXXXXXXX I did not authorize these credit pull to my credit report and requested that they be removed immediately.
Product: Debt collection

I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called Enhanced Recovery Company. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. Enhanced Recovery Company added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by Enhanced Recovery Company incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.
Product: Checking or savings account

Attempted to mobile deposit my payroll check, my bank placed a 6 day hold on it. When I called about it they told me the check had been verified but would not do anything else.
Product: Checking or savings account

Subject : Urgent Matter - Investigation and Rectification of Altered Check Deposit Dear Huntington Bank Associates, I trust this message finds you well. I am writing to address a matter of utmost importance concerning a recent check deposit in the amount of {$2000.00} USD. It has come to my attention that the check may have been altered or tampered with during its processing at XXXXXXXX XXXX XXXX  refund department or in transit possibly. 

I want to assure you that I am actively working on investigating this issue and have engaged with major government agencies to rectify the situation promptly. I understand the gravity of the matter and the impact it may have on the integrity of financial transactions.

Rest assured, my commitment to resolving this matter is unwavering. I am cooperating fully with relevant authorities to get to the bottom of this and ensure that any discrepancies are rectified at the earliest possible time. I understand the importance of maintaining trust and integrity in financial transactions, and I am dedicated to upholding these values throughout this
Product: Credit card

I was double charged for a hotel room. I stayed at the XXXX XXXX on XXXX/XXXX/16. I was charged by XXXX and by the XXXX XXXX for the nights stay. I was double charged. I have disputed the charge with Citi Bank, but they have not resolved the situation.