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

On my AmericanExpress credit card bill due XX/XX/XXXX, is a charge for {$19.00} for prem car rental protection. 
Although I had rented a car using that credit card, I never signed up for their car rental protection ( I already have that protection thru my auto insurance policy ). The charge is for a service I neither authorized or knew anything about. I have spent over XXXX XXXX hours on the phone with various people from Amex as well as from Amex XXXX. I initially was told by XXXX, at XXXX, that the charge would be reversed, but that has been contradicted by others. XXXX, a supervisor, told me I signed up for this protection, by phone, in XXXX. I do not recall doing this. He also told me there is nothing he can send me to prove I signed up for this. In the intervening eight ( XXXX ) years, there has been no contact with me about this program. He refused to transfer me to a manager or have a manager call me. Amex refuses to submit this for dispute or fraud b/c it involves one of their own companies, Amex Assurance . 
I spoke to XXXX on XX/XX/XXXX & XX/XX/XXXX. I spoke to Amex XX/XX/XXXX and XX/XX/XXXX. 
I filed a complaint with the XXXX XXXX XXXX XXXX office on XX/XX/XXXX. They referred it to the XXXX which I contacted today. OCC has no record of the complaint, and referred me to CFPB. 
I paid the charge, but I want the charge reversed.
Product: Credit reporting or other personal consumer reports

I have done an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : -The status of the Portfolio Recovery account is being reported as open XXXX report and being reported as a delinquent or seriously past due and others- please remove this from my credit report immediately It is my belief that the collection company has willfully violated my rights by not maintaining proper practices to ensure accuracy on my credit report -The status of the XXXX XXXX AND XXXX account is being reported as open through XXXX
Product: Bank account or service

Transactions which I believe to be fraudulent have been posted to my XXXX business checking account for the past several months. Although my XXXX representative was able to stop payment on future charges they claim they can do nothing about the prior fraudulent charges. Those charges originate from a JP Morgan Chase bank account. They are on behalf of a company called XXXX My bank was able to provide a JP Morgan originating account number of XXXX for those charges. Although I have made several attempts to contact JP Morgan about these activities I am NOT able to get past their automated phone tree so that I can talk so someone about trying to stop future fraudulent transactions and recover the money from past transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX for the amount of {$7100.00}. I have disputed this account with XXXX, XXXX and Equifax. Once again XXXX XXXX XXXX has not responded to my debt validation and this would be a violation of the FDCPA, FCRA and Fraud
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB Card Service XX/XX/XXXX JPMCB Business Banking XX/XX/XXXX These inquiries are on my credit report, and I didn't give authorization.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and seen fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a collection showed up on my credit report by XXXX XXXX XXXX stating original creditor as XXXXXXXX XXXX XXXX I in the amount of {$1300.00} XXXX contacted Transunion and XXXX with a dispute, I have never had any accounts with XXXX XXXX XXXX, and have never heard of them, and have never recieved any phone calls or letters from them or from XXXX XXXX XXXX. Transunion and XXXX did not remove it, they state the granter verified it. That is impossible.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Experian Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 - I just called Experian 3 times! They have zero live person support! XXXX! 
This is an agency that is here to help people with Fraud alerts and credit reports! And they don't have a live people support! They only have the XXXX automated robot! There was no way for me to speak to a live person. The issue is, I was not able to get verified on their XXXX  website, you know the one that has like 3 options and tries to sell you all this monthly XXXX! Why does the government support this lousy company! Experian is the worse! So I had my DL stolen, credit cards ... 
and I can't even get a hold of them to help me login and freeze my credit and post a fraud alert! How does this agency still exists! I called XXXX this is the number that is posted everywhere online for them. It's just a robot voice, and if you press zero, it will eventually hang up. There are no options to speak to a live person! I HATE THIS XXXX Company!
Product: Debt collection

Collection agency name : SEQUIUM ASSET SOLUTION Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX Your NAME : XXXX XXXX Your address : Dear SEQUIUM ASSET SOLUTION, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an existing statement on my credit report informing no one to open an account without verifying with me and they have to call the number thats listed because I was a victim of identity theft! A collection was reported from XXXX XXXX XXXX. Its utility bill from XXXX Texas. I provided my driver license, bank statements even employer address and requested information from the dispute. Nothing was provided!
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting

I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account Name : XXXX  XXXX XXXX Account Number XXXX Account Name : XXXX  XXXX  Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CREDIT CARD ENDING IN XXXX PERSONAL CREDIT CARD XXXX CREDIT CARD SERVICES XXXX XXXX XXXX XXXX NC XXXX FIRST TO MY KNOWLEDGE SENT NOTICE OF A " BALANCE DUE '' WITH A STATEMENT CLOSING DATE OF XX/XX/XXXX FOR AMOUNT OF {$2.00} " DUE NO LATER THAN XX/XX/XXXX '' AS STATED ON C/C STATEMENT XX/XX/XXXX. 

I WAS NOT NOTIFIED PERIOD OF THIS " GHOSTED '' " BALANCE '' OF {$2.00} UNTIL XX/XX/XXXX. 

IMMEDITALLY PAID BALANCE IN FULL AND " '' '' ABOVE BALANCE DUE '' '' '' IN THE AMOUNT OF {$30.00} /PAID DIRECTLY TO XXXX XXXX XXXX ON XX/XX/XXXX BEFORE DUE DATE OF XX/XX/XXXX AS STATED ON C/C BILLING. 

LEAVING AN 'EXCESS BALANCE ' ON THE C/C ACCOUNT OF {$24.00}. 

XXXX XXXX PROCEEDED TO " '' FRAUDULENTLY WITH INTENT TO INFLICT HARM TO MY PERSONAL FIANCES AND CREDIT SCORES '' '' '' DECEPTIVE CONSUMER PRACTICES '' '' '' '' UNFAIR RESOULUTION AND CONCERN AND REGARD TO THIS ACCOUNT/MATTER. 

XXXX XXXX REPORTED TO CREDIT BUREAUS AS **INACTIVITY ON ACCOUNT " '' LATE PAYMENT '' ' " '' DECREASED ORIGINAL CREDIT LIMIT '' '' TO {$500.00} FROM {$5000.00} FOR A BALANCE DUE OF LESS THEN {$3.00}? 

XXXX XXXX FAILED TO NOTIFY ME VIA CALL OR LETTER OF ANY BALANCE DUE /AND TO INTENT TO TURN OVER TO CREDIT REPORTING XXXX XXXX CONTINUES TO PRACTICE CONSUMER DECEPTIONS " '' '' FRAUDULENT & UNJUSTIFIED CLAIMS UNDER {$3.00} " '' '' / " LATE PAYMENT '' CHARGES FOR UNDER {$3.00} / '' DELINQUENT BALANCE REPORTS UNDER {$3.00} / '' '' 'IN-ACTIVITY REPORTING '' '' '' UNDER {$3.00} INACCURATE AND FASLEY REPORTED TO BUREAUS AS A {$5.00} BALANCE AS DELIQUIENT/UNPAID/LATE BALANCE DEBT DUE.
Product: Prepaid card

I purchased a prepaid card on XX/XX/year>. The card shows as activated on the receipt so this company received my funds for the card. I went to use the card and it was declined. I called the company to find out why my card was declined. I was told the had received the funds but there was a problem with their system activating the card. They then requested I email documentation showing I had purchased the card ( the receipt and pictures of the card ). Case # XXXX. I sent all the documentation requested on XX/XX/year> to the email address they had given me. I sent a followup email asking if they had an update on the status of this and called twice including most recently XX/XX/year> where I spoke with XXXX who told me nothing had been done on this case and it was just sitting there. The company is just holding onto my funds earning free interest and is refusing to put the balance I paid on the card or to send me a replacement card or a refund check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent in letters stating the account I'm going to be listing in my complaint are not accurate and the Credit bureaus violated my right as a consumer. According to the FRCA section 15 USC 1681 section 604A, the law clearly states a consumer cant report anything on my credit report without my written authorization and you can clearly see these item on my file : the follow item are also reporting inaccurately XXXX XXXX  account # XXXX this account date of last activity is in incorrect but this account was verified as accurate how is that so... 

XXXX XXXX XXXX XXXX account # XXXX account Date of last activity is incorrect how was this account accurate? 

XXXX XXXX XXXX  account # XXXX the date of last activity is incorrect can be accurate XXXX XXXX account # XXXX Date of last activity is incorrect cant be accurate and verified as such. 

XXXX XXXX XXXXXXXX XXXX  account # XXXX this account is showing different dates for the date of last activity and the account showing an open account which incorrect but this account was verified as accurate which is a lie ....
Product: Debt collection

I sent certified letter to Jefferson Capital System agency on the following dates requesting the amount owed to be updated : XX/XX/2020, and XX/XX/2020 and no response received as of XX/XX/2020.
Product: Checking or savings account

On XXXX/XXXX/2018, I received my expense report checks and wanted to deposit them into my Simple Bank Account. However their services were down, they were not able to accept deposits, all the use of the XXXX Debit Card, check customer balances, or anything involving the bank. It is now XXXX XXXX and services have been down since approximately XXXX XXXX. That is over 6 hours customers have not been to access their funds, contact support, or even perform something as simple as check their balance. 

This is quite absurd and would not be accepted by other banking institutions.
Product: Mortgage

I enter loan for the property located on XXXX XXXX XXXX XXXX NJ XXXX with XXXX Bank XXXX XXXX XXXX as trustee of XXXX XXXX Mortgage Trust, loan that has been transferred several time, first to Washington Mutual, then to Chase Bank and now to XXXX. Due to financial hardship I tried to do agreement to return the property after trying multiple times to Refinance the loans which have a very high interest rate, but no response was received. Called Chase to request information about the 2nd loan that is still in the title but they say it is " closed '' do n't know how because their system does n't show as pending, but they are the holders of that note. This is the reason why I need Chase to make a decision and let me do a deed in lieu
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XXXX, but my FHA loan with XXXX XXXX was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to XXXX XXXX to verify that and they can also see the payment history. The account was listed as closed since it was sold ( XX/XX/XXXX ) until a change on my credit report XXXX of this year. It shows on my XXXX report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a XXXX XXXX Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent XXXX XXXX the closing statement from when the property was sold and copies of my credit report showing the change.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number XXXX I am demanding the following LATE PAYMENTS be removed because I believe my consumer rights have been validated based on the consumer law ( s ) listed below 15 usc 1681a - Definitions ; rules of construction Section 2 - Exclusions subsection A subsection i - reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 usc 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the me that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

1

5 U.S. Code 1681b - Permissible purposes of consumer reports ( 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 Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report.

Under 15 usc 1681n, - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. 
PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! XXXX
Product: Mortgage

On XXXX XXXX, 2016 I paid my mortgage off in full to Ditech Financial, LLC. Attachedf is a letter from them acknowledging the payoff and the Account number is contained thereon. XX/XX/XXXX I called to inquire about the status of my escrow refund of {$1900.00}. I was advised by XXXX that a check had been cut and would be sent out shortly. On XXXX 2016 I called again about the escrow and was advised that the check had been cut and released on XXXX/XXXX/16. I again called on XXXX/XXXX/2016 and spoke to a XXXX . XXXX, who identified herself as a supervisor. She said that check XXXX had been issued on XX/XX/XXXX. I advised her that I had not received it. She wanted to cancel the check and send a new one and I refused that option as this would have restarted the process and allowed Ditech another 30 days to send a check. XXXX . XXXX agreed to have an electronic transfer made to my bank account. She told me this would take 5 days. As of today, XXXX XXXX my account has not been credited. 
I am of the opinion that Ditech is a rogue mortgage and collection agency who keeps other people 's money an undue length of time and only refunds money when threatened. It is this kind of company and lack of federal oversight that led to the last financial meltdown and will lead to the future bank and real estate meltdown. They are an unprincipled company that should be severely fined or put out of business. I encourage your office to log into XXXX and read the hundreds of negative feedback on this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX Have no knowledge of this Address is wrong