23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called American Express twice in XXXX to discuss potentially lowering my interest on my personal and business credit cards. I was told the only way to prevent my business credit cards from accruing interest was to close them while they are set at 0 %. The representative told me the date I would need to close the cards before interest began accruing which was early XXXX. I also asked would closing my business cards impact my personal Platinum card and was told no... .so far that has been true... I called back later in XXXX to close both my business credit cards and verified I would not be charged any interest since I was closing them while under the promotional 0 %. I was told I would just continue to make the monthly payments until the cards are paid out. This month ( XXXX ) I noticed one of the cards has interest and when I called American Express stated I was given incorrect information and that I was accruing interest on the closed card and about to accrue interest on the other closed card. They also stated they could not reopen the cards. I now have 2 closed cards accruing interest that I can not use. Note my payment history is excellent. American Express whether willfully or in error provided me incorrect information waiving my rights to make the best decision. They are unwilling to rectify their mistake and I feel exploited and have been treated unfairly.
Product: Debt collection

This letter is regarding account # XXXX, which you claim my account was charged off/collections. Please REMOVE this account to on all 3 Credit Bureaus ( XXXX, XXXX and XXXX ). This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Product: Debt collection

I see a collection on my credit report for almost XXXX XXXX dollars and I have no clue as to what it is for. I contacted the collecting agency and they refuse to tell me anything
Product: Money transfer, virtual currency, or money service

On, XX/XX/22, I attempted to complete a transaction on Cashapp. The transaction was denied stating my bank denied it. I then looked into the linked account in my app. My linked account is from my XXXX XXXX accout, but Cashapp has a XXXX account listed. This would not update nomatter how many times I tried. I called my bank to see if the money was pulling from my account, they had no record of the attemted transaction. I called cashapp, their phone line disconnects your call no matter what time a day. I got on the chat portal to resolve my issue. The chat advocate did not understand and refused to connect me to a different advocate or management like I asked. I told them there. My account shows my bank account as the linked account, but has the money I am trying to send pulling from someone elses XXXX account. They refused to help me fix this issue. No my account is linked to a mystery XXXX  account and I can't unlink it.
Product: Debt collection

I contacted this company via XXXX certified mail to request debt validation. The company has not responded or provided any validation. They have reported this account with all XXXX credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS ON MY MOST RECENT REPORT SEEMS TO BE UNFAIR NOT 100 % ACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018..I sent a certified letter to validate debt ... ..the collection agency for XXXX XXXX XXXX -- who is XXXX XXXX XXXX XXXX XXXX 

This was returned to me as undeliverable..problem with address ... this company 's website is also down .... 

This debt is unverifable ... .i deserve to have communication and a clear understanding from a DEBT BUYER..who is reporting inaccuracies ... which is in turn affecting my credit..my insurance and employment.. 

This is only still on my Transunion report..Transunion is allowing this and inaccurately reporting.. VIOLATING my rights ... please delete I have attached proof via usps..email exchange..etc
Product: Debt collection

On XX/XX/XXXX I reached out to COLUMBIA DEBT RECOVERY and validation was requested for the collection account reported to my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I contacted Columbia Debt Recovery to provide me with any business contracts we may have together. Moving forward now XX/XX/XXXX I reviewed my credit report again and the account continues to reflect on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore I have reported this account as fraudulent. I do not know this company. I have never done business with this company. In accordance with the fair credit reporting act : COLUMBIA DEBT RECOVERY, 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
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


TRANSUNION : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

The personal identities of my wife and I, which we had entered on our rental application to the XXXX at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, including our names, birth dates and social security numbers and other confidential personal information, have been fraudulently misused by the XXXX. For example, the XXXX secretly took money from my wife 's XXXX bank account. This unauthorized charge was accidently discovered when reviewing another transaction. After conducting a full investigation, the XXXX bank fraud investigators concluded that this was financial fraud, unauthorized charge, theft, etc. and reinstated the full amount that the XXXX had unlawfully taken out of my wife 's bank account. Undeterred, the XXXX has proceeded to report the same fraud amount as late, unpaid charges to the credit agencies against my identity using my personal identity and credit information. Worse, the XXXX collection agency '' FCO, had the gall to call and ask us to send them a " small nominal fee '' in order to make our banking and credit nightmares that they are unlawfully creating against us to disappear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Mortgage

Although homeowners have until the XXXX of the month to pay their mortgages ; Nationstar is charging homeowners a {$10.00} fee if they pay after the XXXX of the month. I never asked for Nationstar and have been moved from XXXX XXXX to XXXX and now to Nationstar. Every mortgage servicing company, besides XXXX XXXX, has tried to make money off homeowners ; here is yet another trying to do the same thing. XXXX stopped this practice immediately after receiving complaints from homeowners as soon as it began ; and the government should not allow these companies to prey on homeowners. The fee is unnecessary and basically punishes homeowners that pay their bills on time.
Product: Checking or savings account

On XX/XX/XXXX, I received a phone call from 5/3 bank that activity had occurred on my account that was flagged as fraudulent. They told me that somebody used my license ( a license that was stolen when my car was broken into earlier in the year and a police report was filed ) at a 5/3 bank branch which resulted in my entire account balance being withdrawn. I asked why somebody who is not me was able to use my license at the branch and they informed me that the bank teller made a mistake because she was, at the time, in training! They apologized and assured me that it would be resolved. 

Over the following months, I spent hours on the phone with the bank with no resolution. I told them that ALL activity after XX/XX/XXXX was fraudulent - fraud that was only allowed to occur due to THEIR mistake. The resolution would have been to restore my account balance to it's previous status on XX/XX/XXXX. There were multiple fraudulent activities performed at the bank by the scammer, 3 to be exact, and after many months, I learned that 5/3 bank had only resolved 2 of the 3 fraudulent charges. The result was that my bank account, now deemed " resolved '' by 5/3, was overdrawn and I was being charged overdraft fees. Eventually, they sent the overdraft fees to collections and I started getting collections calls. I finally escalated the case to the " Office of the President '' at 5/3 who was able to stop the collection and negative XXXXredit score effects. However, now I am two months into working with the " Office of the President '' at 5/3, and I still have not received my money back. They are still " investigating ''. 

To me, it is as black and white as any case can be. 
One day, I had around XXXX $ in my account. 
The next day, a scammer used my license stolen ( reported officially in a police report ) months prior at a 5/3 bank branch to drain my account, allowed by a trainee bank teller. 

I can not begin to express the burden this issue has had on me, emotionally, financially, and time-wise. This fraud was fully at the fault of the company who for some reason, has been unable to resolve and refund my bank account the XXXX $ that is mine. At this point, 5 months later, this money has been stolen from me by the bank, and I have been robbed the opportunity to invest that money.
Product: Mortgage

I received a free credit report. I noticed Chase mortgage has been making inquires into my credit every month for the past 2 years. However, I have never applied for credit with Chase for a mortgage.I have called and spoke with representatives who have said I did n't know what I was talking about and I must be confused. I asked for a manager to call me back but no manager has.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 an
y 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 card or prepaid card

I purchased a sofa from a catalogue at XXXX XXXX XXXX on XX/XX/19 that was scheduled to be delivered on XX/XX/2019 using Synchrony Home credit card. The cost of the sofa was {$1500.00}, including a {$60.00} bank fee. The sofa was not delivered on XX/XX/2019 as contracted nor was I informed that there would be a delay in delivery. I called XXXX XXXX XXXX onXX/XX/19 to find out when my sofa would be delivered as it was already pass XXXX. I was told to call back Monday. On Monday XXXX XXXX XXXX informed me that the order was never processed and it would take a week before I could get the sofa. I couldn't wait a week for the sofa so I canceled the order. XXXX XXXX XXXX refused to give me a refund because they noted that on the receipt that the item was a final sale. This surprised me as I was not informed during the purchase that a sofa that I could not visibly see was a final sale. I had not purchased the sofa at a discount price or lower than cost nor was I able to see the sofa in store so it was not a final sale item. 
Nevertheless, I informed them that since they had not delivered on the scheduled delivery date and had not provided me with a delay notice, the contract was voided. Ive tried disputing the charge with Synchrony Home. I've asked Synchrony Home to request proof of delivery as they should have done under the Fair Credit Billing Act, but Synchrony Home sided with XXXX XXXX though they knew I have not received the sofa. Synchrony Home refused to request proof of delivery. 
There was also another charge for {$210.00} from XXXX XXXX XXXX, which I disputed with Synchrony Home informing them that I have not made any additional purchases with XXXX XXXX XXXX. I requested that Synchrony Home attain proof that the purchase was authorize by me from XXXX XXXX XXXX. I started the dispute onXX/XX/19 and still have not received a conclusion to the dispute though it's pass 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) 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 paymen
t 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. 


( XXXX XXXX  ) 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 or other personal consumer reports

I have been disputing finewise/opploans in the amount of XXXX for 9 months and also wrote all three credit bureaus providing information to them that this company does not have any verifiable information. This has been an on going battle since XX/XX/2023. That have not showed me any verifiable information as requested. I am a victim on the credit bureaus not following consumer law. And I am a victim of my family not being able to compete in the world because the credit bureaus have bullied me by keeping my credit score so low that I cant get a car nor house. I need help.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 

Please update to Paid As Agreed XXXX XXXX  from my credit report because of multiple violations of the Fair Credit Reporting Act!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ninth XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Bank account or service

I had XXXX ( XXXX ) checking accounts at Wells Fargo. I banked with them for probably 20 years. On XXXX/XXXX/16, I received an email from Wells Fargo notifying me that one of my accounts had been enrolled in the QuickBooks or Quicken Direct Connect service. This email indicated that there was fee for this service. As I had never enrolled in such a service and was not interested in it, I called the number listed in the email -- the Wells Fargo 's customer service for personal accounts telephone number ( XXXX ). The person I spoke to informed me that her records indicated that I was not enrolled in any such service. She told me the email I received was a phishing scam ; she directed me to forward the email to XXXXXXXXXXXX and delete the email. I did. Later, I received a printed letter ( attached, dated XXXX/XXXX/16 ) from Wells Fargo thanking me for enrolling in the QuickBooks or Quicken Direct Connect service at Wells Fargo. After that, I closed both of my accounts. Then, I received two emails ( attached ) notifying me that both of my accounts could not be charged for this QuickBooks/Quicken Direct Connect service.