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

A this will be told many times in the past and as AMEX stated to me the other day WIth one of your representatives on XX/XX/2018 and the representative stated that they acknowledge that AMEX apologizes for the situation and that there is flaws in the system and loop holes that these perpetrators are using, however what was not stated that with the third party verification that XXXX XXXX did not properly screen the perpetrator and should have done this off-line which would have prevented further losses. Therefore AMEX should have insisted to XXXX XXXX  to perform a better screen rather than using my good credit to allow the payment to be paid on my credit and my good credit alone. 

This is shameful and will be brought out if necessary. I dont think that AMEX want to show in the media that a person of high wealth can be exposed to this type of scam and because of their net worth they allow this to go through without insisting upon better verification from XXXX XXXX  etc. AMEX Should have protected me and my company which they failed to.. They should have had their Customer Service Representative when screening the client call them off-line and AMEX should have insisted on that. OR send them a text etc like any other bank performs.. This will be shown as both banks failed to do proper verification procedures and therefore this would not have escalated to this point.. IF for any reason this is not resolved in my favor there will be damages brought against AMEX And the other banks and expose this to the media which Again I am not looking to do. You freeze my account and give me a STAY. IF this proceeds further I will do whatever I have to to rectify this and let the media and my constituents know what is the flaws in the banking system so people who cant afford an attorney since you have failed their personal safety and have used these people to hurt them. I will stand up to these people and do what is morally and ethically correct to fix your flaw and loop holes and let the public know this. It is the banks that are allowing this to happen and hurt individuals like myself due to your lack of concern, your hiring practices, your work force being overseas, or whatever but this will all be exposed and you will ultimately affect your business as you have impacted mine and my life and have probably caused my father to have a XXXX  XXXX XXXX and die since we discussed this 4 hours prior to his death and his XXXX  will tell you he was shocked that he died this way.. 

In addition on the above date by your representative again never followed up with you claiming someone did a verbal order to transfer monies for the XXXX. No one ever called back to investigate this and let me know that it was not me. Again, another liability for AMEX and another coverup ... 

XXXX XXXX office and herself are fully aware of this but you dont want to take action nor responsibility.. I am recommending you fix your issues and XXXX out my balance and restore my XXXX in points and XXXX in Delta Sky miles. Anything else will be not satisfactory
Product: Credit card or prepaid card

I received a fraudulent credit card from Wells Fargo and have called approximately 50 times trying to find someone there that would cancel it and remove my personal information from their system so they can not open more fraud accounts in my name. On one call a person claiming to be a manager at the executive branch guaranteed me the account was closed and he would submit to remove my information and gave me his phone number which turned out to be also fake. He did not close the account, i am still getting email and letters about it and he did not remove my information from the system or I would not be getting emails and letters!!! I tried going thru wells fargo website to have my information removed and it wants EVEN MORE PERSONAL INFORMATION!! I am not giving this fraud bank more information! So they can open more fraud accounts??!!
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Lexis Nexis on XX/XX/2017, and requested an full file disclosure report. After I received said report I immediately reached out to Lexis Nexis and dispute inaccurate information of my credit report and request correction and a new full file disclosure report to verify all infomation was corrected within their 50 plus page file.. 

I have contacted Lexis Nexis ten times and requested a copy of the full file disclosure consumer report and to date Lexis Nexis has refsued to the follow the FCRA and provide the consumer with a complete copy of their reports including reports for their subsidaries companies.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE MY PERSONAL INFORMATION IN YOUR SYSTEM, I HAVE ATTACHED THE NEEDED DOCUMENTS AND LOOKING FORWARD TO SEEING MY REPORT WITH THE ACCURATE DETAILS. THANK YOU
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX Whats up Just wan na let you know XXXXm disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between 9am and 1pm Eastern Time . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Product: Debt collection

I tried opening a chekings account in my local bank, the local bank informed me of a collection I had which prevented me from openening any type of account, the company name which put a collecting on my credit report was " Jefferson Capital Systems ''. I contacted this company to find out a way to get rid of this collecting when they started to ask for personal information such as my SSN which I did not release to them.
Product: Money transfer, virtual currency, or money service

I made a large payment on my PayPal account, and because I usually make smaller payments, PayPal flagged this as unusual behavior and placed a freeze on the payment for 13 days. This is a business credit card and I have other purchases pending on this card and may not have the credit line available for all of them so I called PayPal to try to resolve the issue. They asserted nothing can be done for 13 days. Then I got a text message " from '' PayPal ( though I'm now realizing it was likely a scam ). It asked for a lot of personal information, my social security number, mother 's maiden name, and credit card information and I supplied all of it and submitted because the interface matched PayPal. But after submitting, I saw at the bottom of the page that there was a warning saying the page isn't secure. The URL associated with it is : " XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due d
ate and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! I am presenting this complaint for 11th time to dispute the fraudulent items on my credit record. I insist immediate removal of these items from my credit report. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), it is the duty of the credit bureaus to ensure the accuracy of the information they furnish. These fraudulent items are evidently inaccurate and are detrimentally affecting my creditworthiness. I have already provided all necessary documentation to establish the fraudulent nature of these items. Furthermore, I have formally requested the responsible creditors to investigate these fraudulent items and REMOVE them from my credit reports. Despite my proactive efforts, these fraudulent entries persist on my credit report, causing substantial distress and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I demand to the XXXX, XXXX and TransUnion Credit Bureaus to remove these fraudulent items from my credit report expeditely, and provide me with a written confirmation of the removal. Failure to adhere with this request will compel me to pursue legal action, as I will not tolerate any further damage to my creditworthiness : XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX : XXXX XXXX XXXX Balance : {$32000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$600.00} XX/XX/XXXX XXXX - XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Someone opened credit cards in my name and somehow stole all my information in 2021. Now I have these credit cards showing up! I e despaired them but nothings has changed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately
Product: Credit reporting or other personal consumer reports

Hi TransUnion, I just received a copy of my credit report today and I can not believe what I see. 
Someone stole my identity to open a fraud XXXX XXXX XXXX XXXX  without my knowledge. 
I was on the phone with a fraud team supervisor from the credit card company ant they told me that this fraud account shall be delete from my credit report because they no longer have it on they system. This fraud credit card was flagged by the fraud team and he said I have a right to delete this inaccurate fraud account from my credit report. 
I would like to exercise my right and have this fraud credit card delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Product: Debt collection

Company promised to delete entire tradeline after lump sum payment. Company still continues to report tradeline with debt reduced by lump sum payment.
Product: Checking or savings account

The saga continues & will until Citi admits & corrects their false statements. They need to take care of Consumers accounts better than they have. I do not need them to keep sending the same information over & over again. Question is why if back in XX/XX/XXXX my account was in question & it is a big lie that I refused to provide " authentication '' I only do it verbally since I do not give out my cell # for them to keep send me texts; they have my landline # that's what was used so why then did Citi not address it & freeze my account XX/XX/XXXX? Not wait months later in XX/XX/XXXX!!!! when my Social Security check was deposited? 

Further nothing is said by this Rep 's XX/XX/XXXX about them cashing the same check back in XXXX 3 times-same amount same date etc. Typical to try to sweep it under the rug. 

Point is Citi Agents froze my account did not advise me & then claim I had not sufficeint funds to pay my online bill. I had to try 3 times. Citi & their Fraud Dept need to be investigated. & I will continue to complain to all agencies until something is done. They think that by continuing to deflect the blame on me I'll drop it? 

I'm mad as XXXX & will not take it anymore. You go to their facilities & wait XXXX XXXX  before anyone can assist you. Only have 1 Teller at lunch time on a Friday. The Tellers are over worked & very nice. 

That person or AI generated reply needs to stop wasting my time with lies. Honor up to their blatant mistakes with people 's money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, on XXXX, XXXX I sent In dispute letters to all three credit bureau 's Equifax, XXXX, and XXXX stating the inaccuracies that are reporting on my consumer report referenced from the FCRA & consumer laws asking them to remove the inaccuracies and to send me a updated report with the correction made. I never received the updated credit report/consumer report with the corrections and the inaccuracies are still reporting inaccurate on my consumer report. 
According to the FCRA everything on the consumer report should be factual and accurate across all bureaus and that is not the case as of today XX/XX/2023. I feel like I'm being mistreated and bullied of my rights as an American citizen as these inaccuracies are still reporting. I'm being hinder from financing from banks and lenders, as well as unable to secure a job to take care of my family of 5 all under 13. As hard as it is already being a single XXXX XXXX XXXX XXXX in XXXX these inaccuracies on my credit report is a barrier from achieving success, securing a job and taking care of my family. I need immediate help to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote a letter to XXXX because I had found out that there was a drop in my credit score for a 30 day late! I was upset and went over my bills and remembered that XXXX had taken out three payments due to a glitch while paying on line! I called XXXX  immediately once I saw the three payments that were taken and asked for two of them to be reversed which I have proof that they were! They kept one for payment which I also can prove. I called them back when I found out that the 30 day late was reported and was given a address to send a goodwill letter too which I sent! They sent me back a letter on XX/XX/XXXX stating that they will not remove it! I have had this card since XXXX and have never been late! I am upset that they placed inaccurate info on my credit report and are claiming it was not! They are worried regarding judgment from the credit reporting companies and not concerned that they acted hastily and reported inaccurate information! Please look into this as I can prove that it was paid! Thank you XXXX XXXX
Product: Debt collection

Summary of Issue : I am filing a complaint against XXXX XXXX XXXX XXXX XXXX, as the company falsely claimed that there was a legal judgment against me regarding a debt they are attempting to collect. On XX/XX/XXXX and XX/XX/XXXX, the representative stated there was a pending legal notice and judgment, which I later confirmed was not true. This was a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), as it is illegal to misrepresent legal action or threaten consumers with non-existent judgments. 

Details of the Complaint : Harassment and False Claims : The company contacted me multiple times within days and falsely claimed a judgment existed, using this as a scare tactic to pressure me into paying the debt. They even sent me a payment plan asking for my credit card information and stated that if my information was not entered by the end of the day, they would send my file to the legal department and that there would be " nothing I can do to fix the situation since there was a judgment to garnish my wages. '' Failure to Provide Documentation : When asked for proof of the judgment, legal notice, and original debt documentation, the representative refused to provide any legal documentation beyond a payment arrangement. He kept stating that " I sounded like I didn't want to pay my debt and he would let legal follow through with the garnishment. '' Outcome with XXXX  : I have already filed a complaint with the XXXX XXXX XXXX ( XXXX  ). Following my complaint, XXXX XXXX XXXX, XXXX admitted to troubling account handling and placed the account in cease-and-desist status. However, they still have not resolved the issue or provided adequate proof of the legitimacy of the debt. 

Request for Action : I am requesting the CFPB or FTC investigate the deceptive practices of XXXX XXXX XXXX, XXXX and take appropriate action to ensure that they adhere to the legal requirements for debt collection and reporting. I would like confirmation that this debt will be removed from my credit report if they can not provide legitimate documentation or proof of the judgment, they claimed existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX Account several times stating that the account is reporting inaccurate information. Each time, Equifax has responded as account information verified. When the collection account was placed on my credit report, the information was inaccurate and never correct. The wrong balance was always reported wrong but Equifax refused to remove the account as well as never attempted to correct the information. This is a direct violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis I placed a security freeze and fraud alert on my credit report because they offer a product that suppose to prevent any company from being able to see your public record which is false the public record still was able to get verified
Product: Student loan

In mid-XXXX, I contacted UAS regarding > {$200.00} in interest being incorrectly charged on a loan in deferral. They acknowledged their mistake and claimed it would be fixed. On re-check, I see a similar amount again being incorrectly charged.