23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

1. credit card was stolen or lost, and about hundreds charges about {$7300.00} from XXXX to XX/XX/XXXX was charged in my American express XXXX. 
2. Card was barely used by us and we set up monthly automatic payment so I didn't find out card was lost or stolen until XX/XX/XXXX. 
3. XX/XX/XXXX, once we found those unauthorized charges, we immediately notify Amex, we were told no worries, Amex will refund us. 
4.Amex disputed some charges successfully within 1 week and the balance was about {$4600.00} after that, but no update after 3-5 months 5.We filed a policy report in policy department on XX/XX/XXXX, and detective took the bank statement for investigation, she checked many stores where card was used, and in the videos, neither me nor family member was there and she was able to find the same suspect. Report is attached 6.three months after we notified AMex, XX/XX/XXXX, card was charged late fee {$39.00} and interest fee {$110.00}, contact Amex, no resolution and no notification about the result of fraud case, one time chatting and call, was told case still open. To avoid further charges and interest we paid off the balance and other fees etc. 
6.Someday XX/XX/XXXX, finally one rep let us know case was rejected and we found an email XX/XX/XXXX in spam email saying case was rejected " According to documented company records, you advised us that the true Card Member is using the Card. This action is not considered fraud so we are closing this case. ", which the reason is not true. We didn't advise that and Policy report can prove it. 
7.We requested reopen the case, and XX/XX/XXXX Amex asked for charge details and statements in a mail letter, and we received the letter, and submitted the document successfully. 
8.XXXX XXXX XXXX, we missed a call from Amex, we thought it was fraud initially, but we called back, nobody answered. 
9. There was some credits showing in the card, total about {$1300.00} 10.XXXX XXXX XXXX, we contacted Amex via chat, and rep told us case was rejected again because we failed to answer questions which was sent vial email to another email address, which was not true after I confirmed with AMEX fraud team via call after that. 
10.We contacted Amex MANY times vial call and chat past 6 months, and was told wrong information, and amex is not protecting credit card holder also not efficient on dealing with dispute charges. also charge late fee and interest when the case was not closed nor notify us the status.
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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.

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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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.

Delete All Inaccurate Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX account number XXXX is reporting incorrectly. 
I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. I never filed for bankruptcy. 
Please investigate and provide verifiable documentation of the : DATE of last activity. 
Pursuant to Fair Credit Reporting Act, this item should not be reflected on my credit file. Please update credit report once you have completed your investigation...
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account with sequiem asset solutions. The debt has been recalled. I tried disputing it and they have not fixed the issue. I called in XX/XX/17 and spoke with a manager and request it be removed. She offered if I paid in full they can update it and it will be removed. I confirmed with her that the debt has been recalled and they no longer have collection authority. I asked they why they would keep reporting. They said its accurate along with the balance it is reflectiing. I can not have two accounts trying to collect the same debt. It is illegal. I told her I was upset and just wanted it resolved. She said I was only upset because she is giving me answers i don't want. Please have them verify collection authority if they are continuing to report or delete it asap
Product: Debt collection

Fifth third bank has called my work ( a XXXX XXXX XXXX line ) on XX/XX/19 at XXXX. I spoke with a lady and told her she can not call me on this XXXX work line because I will get in trouble as well. She said where exactly would you like me to call because youve been avoiding and dodging my calls and I told her to call my cell phone. She stated it was a recorded line as well. Today ( XX/XX/19 ) I received another call from XXXX at the XXXX work line. I was not there but my XXXX   informed me that a lady named XXXX from fifth third bank is looking to speak with me.
Product: Credit reporting or other personal consumer reports

The identity theft occurred due to a data breach at the credit bureaus where my personal information was compromised.
Product: Consumer Loan

it was a rent to own managed by XXXX al.we were told by realtor that payment would be XXXX a month with XXXX down and coul.d buy the property in 2 years.The payment ended up being XXXX a month.We had already moved in so we decided to tough it out for 2 years until we could refinance.the start date was XX/XX/XXXX.Two years later we tried to go forward with purchase at fair market value but investor didnt want to he didnt want to sell at market value he expected the price to go up and real estate prices hit the bottom.so he said to pay him the XXXX a month not to XXXX.I told him that in XX/XX/XXXX last payment we moved to hotel in XX/XX/XXXX and in XX/XX/XXXX rented another place .we had XXXX invested and lost it all thanks to these people.XXXX has the audacity to report this against my credit report and even use the wrong date .They have XXXX delinquency XX/XX/XXXX if you look at my address history you will see we did not live there so could not owe them rent.we left owing them XXXX but after our deposit and payments they actually owe us.They put it with NCC business services ( XXXX ) i have called them with no response.These people are wrong in what they are doing for one thing do n't owe them a dime and they have ruined my credit.This needs to be deleted from my credit file and the fake ledger they kept destroyed.The dates reported are no good just like their company.I hope no one else has to go through this night mare.Do not rent to own people it 's a scam.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, I am a Transferwise customer with email address XXXX Wise deactivated my account with funds in it and they kept the money to themselves without sending it to me. 

On XXXX XX/XX/2023, I tried the wise appeal website and noticed that wise asked for my bank details so as to refund my money which I have successfully submitted, but wise has still not refunded the money to me. 

I am submitting this complaint because I need wise to send my refund to my USD bank details I provided to them on timely manner My bank details which I submitted to wise is Routing Number : XXXX Account Number : XXXX I need wise to send the receipt of the refund this complaint. 

The email associated with my wise account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Transunion, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATTN : Consumer Affairs RE : Personal Information Amendment To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2023 there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. Within 30 days from receipt of this letter, insured and tracked by XXXX, the following information needs to be omitted. Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file... promptly. 

Omit the following inaccurate addresses : XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXI, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Omit the following employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion. 

Kind Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

XXXX was notified XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about reporting inaccurate information from XXXX XXXX XXXX. I've never opened a loan with this company in XXXX. This company has been illegally reporting information to the 3 credit bureaus in which is false. According to 15 USC 1681n I'm entitled to Statutory Damages each time they're illegally reporting. I'm willing to waive this if, and only the reporting discontinues and my points are replaced on my credit score, and late payments are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with Experian for XXXX XXXX University, it is reporting a bad debt starting in XX/XX/XXXX. I last attended this school in XXXX, no balance when I left and I have student loans which covered the cost of the education. I have not been been contacted by the school in XXXX, XXXX, XXXX, and XXXX on a balance. Experian has confirmed the debt but I have not been able to confirm at all with the school and the school has not provided proof of the debt, this debt is inaccurate and needs to be removed, thank you for your help!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  Account Number : XXXX -- Inquiries -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my crdit report and noticed l had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit
Product: Debt collection

There 's an old, unsecured line of credit I took out with XXXX XXXX XXXX / XXXX back in 2005. The original amount was {$7500.00} and I made payments periodically - but not always on time due to difficult financial circumstances. In total, I probably made {$2000.00} in payments over time. But, I 've been un / underemployed for most of the last 13 years and have struggled to simply make ends meet - much less make progress towards old debts. I have never filed for bankruptcy, nor do I intend to. <P/>That debt was written off by XXXX / XXXX and the right to collect the debt was purchased for pennies on the dollar by Atlantic Credit & Finance. Atlantic Credit & Finance is somehow partnered up with a law firm called XXXX XXXX out of XXXX, FL. <P/>They sought a legal judgment against me without properly without giving me proper notice and secured said judgment and had a lien imposed on my personal checking account. Now, any money that goes into that account will be garnished. I never had a hearing or opportunity to tell my side of the story to a judge or magistrate - although I am in the process of filing for such a hearing. <P/>The judgment and the lien are for over {$9000.00} - although I know they bought the debt for only a fraction of the original {$7500.00} debt. This is wrong!! The interest / charges are criminal given the fact they bought the debt for pennies on the dollar.
Product: Credit reporting, credit repair services, or other personal consumer reports

Global client solutions of XXXX XXXX has been taking automatic payments from my checking account to pay towards 2 payday loans. To date nothing has been paid towards my accounts & I can not reach GCS to either get my money refunded or see why they are not establishing a payment program with these 2 payday loan companies. I think theyve collected about XXXX dollars.
Product: Debt collection

I.C. System, Inc. and XXXX  Credit Bureau are attempting to collect a supposed debt I do not owe. I already litigated this same issue with the CFPB ( case XXXX ) and XXXX  in XXXX and XX/XX/2022. It was resolved in my favor and any negative information was removed from my credit report. They now want to relitigate the same issue, post negative information on my credit report and XXXX  told me that any time a new collection agency wants to, they can reopen the case and so this harassment and harm to myself may never cease.

I do not have time for this or to continue proving my incense when they have no basis of provable facts to the contrary. Both XXXX  and I.C. System Inc. must cease and desist and correct the harm they are trying to inflict on me. This is the consumer statement I posted on my XXXX  page, ( they only allow XXXX characters in an attempt to limit what a consumer may have to say in their defense ) : It is my opinion and the facts show that XXXX  and the collection agencies participate in XXXX XXXX XXXX XXXX in an attempt to intimidate, coerce and threaten consumers into paying money that is not owed. IC Systems claims I owe XXXX which is false. XXXX  claims this is verified but their verification process is to accept whatever the business says and to disregard documentation and proof presented by the consumer. How is it possible to owe a cable company when they bill IN ADVANCE and will cut off service in an instant if it is not paid IN ADVANCE. This same issue was already resolved in my favor by XXXX  and by CFPB in XX/XX/2022. Now I am told that since a new company bought the supposed debt, the past resolution of the same issue needs to be relitigated. I do not have to repeatedly prove the same issue and now that the CFPB is being gutted the consumer has been stripped of any rights. I will leave to God the judgement on the greedy and wicked individuals who take part in these practices ( XXXXXXXX XXXX XXXX XXXX XXXX ) Read it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the collection account XXXX XXXX   XXXX XXXX is not mine.. This is not my responsibility and credit bureaus failed to verify it..This error has affected my credit score tremendously
Product: Mortgage

My loan was sold several times after the purchase of my home and was with Loan Care ( myloancare.com, XXXX ) before supposedly being transferred to XXXX XXXX XXXX XXXX, XXXX ). I make all my payments via the XXXX XXXX website and when I needed to contact the company in regards to the servicing of my loan I was unable to enter my phone number or loan number into the automated system without being told it was n't valid. 

Once speaking to a rep with the company I was told that my loan is not with them or in their system because it 's with Loan Care ( a sub-servicer of XXXX ). They gave me the phone number for Loan Care and said to contact them. I contacted Loan Care and can not even get through to a representative because neither my social or my loan number is being recognized with the automated system. The system says to call back when I have a valid loan number or social and hangs up. 

Why would Loan Care tell me my loan was with XXXX XXXX and how am I making my payments on XXXX website if neither company is able to recognize my information for me to discuss my loan with anyone?
Product: Debt collection

I received letters regarding a collection account from Transworld Systems. I have consistently requested copies of any and all paperwork with my signature attached with an ID. I have received very nonchalant letters from Transworld stating that I owe {$1000.00}. I have contacted the original creditor which is XXXX   XXXX XXXX. They have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

I called Transunion today to correct inaccurate personal information on my report because they are mixing someones information on my credit report. The representative told me that these inaccurate items are not associated to me but failed to remove them from my report.
Product: Credit reporting or other personal consumer reports

There are some unauthorized inquiries on my credit report that I did not approve of from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, and the agent for XXXX XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. Multiple attorneys from XXXX XXXX XXXX XXXX., who names I have listed in various CFPB complaints in the past, continue to violate the Fair Debt Collection Practices Act. These violations have been brought to all the attorney 's attention but they continue to willfully commit harassment, ongoing threats and produce false and misleading documents in attempts to collect an alleged debt. I have attached exabits for proof of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.I also have no knowledge of obtaining any of the inquiries listed here. 
XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXXK Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/2021
Product: Credit card or prepaid card

In XXXX of XXXX, I noticed a charge on my Citi Credit Card and subsequently file a dispute with Citibank to look into the fraudulent charges. The scammer then uploaded bogus documents, which showed a completion different address & name that is completely different than my name & my address on file. Nonetheless, the dispute was still ruled in favor of the vendor and I had tried to reopen this case for the past few years with no resolutions. There was even an affidavit signed by me on XX/XX/XXXX and there was no response since. Please see below for documentation of the interaction. 

I kept calling in every few months since and they have been avoiding & stalling with promises that it will be addressed but never does.
Product: Student loan

Loan keeps increasing and sometimes automatically put in foreberance without agreement. Interest keeps accruing to high amounts that are difficult to keep up with payments. They do n't offer different payment plans based on affordability or income. I attended a school, XXXX XXXX, in XXXX AK, that was n't credentialed for the programs and went out of business shortly thereafter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX  XXXX Charge Off Account XXXX. XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX  XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XXXX  XX/XX/XXXX Inquiries XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries I believe that the above items are inaccurate and/or incomplete. 

Regarding the Late Payment Account from XXXX  XXXX, I have never been late on a payment and I have documentation to support this. Therefore, I believe that this item is an error and should be removed from my credit report. 

Regarding the Charge Off Account from XXXX XXXX, I do not have any record of such an account with this institution. Therefore, I believe that this item is an error and should be removed from my credit report. 

Regarding the inquiries from XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX, I do not recall authorizing these companies to pull my credit report. Therefore, I believe that these inquiries are unauthorized and should be removed from my credit report. 

I respectfully request that you investigate these items and make any necessary corrections or deletions to my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX