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

In XX/XX/XXXX, I discovered an unfamiliar credit card account on my credit report with American Express. The account was associated with the XXXX XXXX XXXX XXXX. However, I had no knowledge of receiving it. I immediately realized that this account was fraudulent and that I had been a victim of identity theft. 

Despite my efforts to contact American Express and report the fraudulent charges, they insisted that the account was opened legitimately and that I am responsible for all charges, as per the Cardmember Agreement ( CMA ). I explained that I never received the physical card and that all the charges on the account were made by someone else without my knowledge or consent. 

In response, American Express initiated a fraud investigation on XX/XX/XXXX. However, their investigation seemed insufficient as they closed it on XX/XX/XXXX, citing a lack of necessary information. I continued to dispute the charges and provided additional evidence to support my claim, but it seemed that my concerns were not being adequately addressed. 

I am frustrated and concerned about the impact this fraudulent account is having on my credit score and financial well-being. It is essential for American Express to take my claim seriously and conduct a more thorough investigation into the fraudulent charges.
Product: Credit card

I am attempting to issue a complaint concerning credit card practices against Goldman Sachs, Marcus GM rewards card. When a charge is made that looks suspicious or out of the normal practices with my spending, GM Rewards will send me a text asking for verification. I like this practice as it can help me verify bad charges. However ; when I return text that I did not make the charge they cancel my card. I then must call them in order to have a new card and account number assigned. The concern with this is the fact that I must set up a new account and number rather than just dealing with a one-time fraudulent or mistaken charge. Companies that I have chose to use that account now see a canceled account that will affect my service with them. 
The problem is this : I have several service accounts that charge for services directly against this Goldman Sachs Marcus account. When the account is closed without my authorization or knowledge, these service provider stops their service due to non payment or closed account. 
I must : 1 ) first discover that the credit card account was stopped therefore my service with the various service provider have stopped.

2 ) Call and reestablish the Credit card account with a new number and card.

3 ) Wait for a new card to be issued to me and then contact my service providers to establish a new account. Also, the time being without the service that I was needing during this time. ( no internet this month ) 4 ) This process even cost me money in terms of higher fees with XXXX service accounts. 

I had special pricing with an internet provider. By stopping and starting a new account with them I lost my special pricing, costing me an additional {$9.00} per month during the next year. This is also true for other simple services like XXXX, XXXX and others. My additional monthly cost due to this action is now about {$20.00} per month more in these service fees due to Marcus action. 
I have occasions to purchase pizzas with a charitable organization often from XXXX XXXX pizza. This has happened with me 3 times during the last year and now XXXX XXXX will not even set up a new account with me, with any card ; because it appears that they see me as a credit risk always having credit cards canceled Needless to say, Golden Sachs credit cards is no longer my card of choice. However ; I suspect that there are other credit card companies that have similar procedures. I hate to think that this is a scam set up by Goldman Sachs or other credit card companies in order to assist big companies that they desire to gain favor with! 
This practice that they advertise as a convenient special card service is no way convenient. It is unfair, time consuming, and will even cost their client money. 
To add to the injury ; when discussing this feature with customer service they sound more like a pawn shop barker, and continue to explain that it is a special added service to their customers..
Product: Debt collection

On XX/XX/2020 I called XXXX saying I owed money XXXX. But I told them I didnt because it was a bank error they did from their computer system. The bank said yes its a mistake they made and it was a bank system error. So I didnt owe the money to them anymore after they told me that day.Now later a debt collector company monarch is saying I owe this money to XXXX still XXXX when I know I didnt owe that anymore because XXXX XXXX told me that.
Product: Credit card or prepaid card

CitibanXXXX AT & T Universal Rewards World Mastercard XXXX I have called customer service many times since I found the error in XX/XX/XXXX with no action taken, some representatives have even hung up on me as they do not understand want I am disputing. They are unable to help me to get this matter resolved. I did receive a standard form letter in XX/XX/XXXX stating the payments applied correctly. They did not provide me with a breakdown of the payment. 

On XX/XX/XXXX, I make a payment of {$7300.00}. 
This payment amount was on the online payment screen and stated the following : {$7300.00} - Adjusted New Balance + Flex Plan Monthly Payment -This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance, it does not include Flex Plan payments due in the future. 

On the account there are : Seven ( 7 ) Flex Plans Two ( 2 ) Balance Transfer Offers totaling {$2000.00} that were expiring XX/XX/XXXX & XX/XX/XXXX Standard Purchase Balance of {$4400.00} accruing interest rate of 18.76 %. 

The Interest Saving Balance Payment of {$7300.00} did not apply Payments correctly on the Non-Flex Plan portion as stated. 
Six ( 6 ) of ( 7 ) Flex Plans were completing paid off The 7th Flex Plan had a principal reduction applied.

The ( 2 ) Balance Transfers Offers were not paid off The Standard Purchase Balance was not paid off but had a principal reduction applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX, a credit bureau, for its failure to respond within the legally mandated 30-day timeframe and for inaccurately reporting my personal information on my credit report. I believe that these actions by XXXX have infringed upon my rights as a consumer, and I kindly request your assistance in addressing this matter. 

On [ XX/XX/2023 ], I submitted a dispute letter Certified Mail with Return Receipt to XXXX Equifax and XXXX concerning incorrect personal information. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and respond to disputes within 30 days. However, despite the statutory time limit, XXXX failed to provide a timely response, causing unnecessary stress and potential harm to my financial well-being. 
This inaccurate reporting has the potential to negatively impact my creditworthiness and may lead to unwarranted denials for credit and other financial opportunities. 

XXXX did not respond at all within the amount of time according to law nor did they send back the Return receipt. 
Equifax has incorrect Addresses & Phone Numbers Inaccurate. 
XXXX Phone Number Inaccurate. 

Equifax and XXXX did respond in timely manor and sent back Return Receipts and also sent back requested information after the diligence of their investigation Along with the dispute letter I sent, was attached a photo copy of driver 's license, and a bank billing statement to show proof. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost attention and diligence. Your intervention is essential in holding XXXX accountable for their actions and safeguarding consumers ' rights. 

Please find attached copies of relevant documents supporting my claim, including proof of my dispute submission to XXXX. 

15 U.S. Code 1681e ( b ) 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 to whom the report relates. 

Thank you for your attention to this matter, and I look forward to your prompt response. Please feel free to contact me if any further information is required. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX. on XXXX/XXXX/XXXX Levied and seized by car. I had tried to negotiate with them on an old debt the bought from Bank of America that was charged off. They put a judgement on me on XXXX/XXXX/XXXX after the debt was charged of from BOA. I am XXXX year old widow. They told me they were going to auction my car and then attach my pay if I did n't pay them {$13000.00}. The debt was only around {$10000.00} orginaly. I offered to settle for {$7000.00} or pay {$1000.00} a month. They wanted XXXX which I could n't do. I had to rent a car to go to work which I am in XXXX and have to XXXX. I had to take the money out of my retirement XXXX. This has really hurt me financially and I think this is unfair. I do n't think they should put a Judgment on me to begin with. BOA had written this loan off. It shows on my credit report it was written off. With my husband dyeing supply I was left without his income and struggle to make ends meet.
Product: Debt collection

I was denied for housing because of 2 accounts being reported to my Experian report by pro collect saying I owe {$1400.00} and {$96.00} in apt debt. I'm XXXX and this is identity theft I signed my lease in XXXX XXXX XX/XX/2019 so i didn't open any account on XX/XX/2019 or XX/XX/2019 for an apartment with the debt collector or the retreat apts. please remove this fraudulent information from my consumer and rent grow report. I submitted my lease and my California drivers license as well as an AFFIDAVIT proof of my XXXX as well as proof I was in the hospital and living here in XXXX XXXX when these fraudulent accounts were opened. also pictures of what there reporting stopping me from getting a new place leaving me homeless. 

Experian reported to XXXX XXXX and because of this I was denied housing I need this removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started to shop a car and visited a local car dealer. I asked what I can afford and been answered that I need a soft credit check to see where my payments can go. I said OK. Eventually a dealer run multiple hard inquiries without my permission. I reached their financial department and got a response that a sales person described incorrectly to the financial department that caused misunderstanding in a dealership. They can't help me. I reached all XXXX credit bureaus and didn't find help. 

Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

It was happened in XX/XX/XXXX  were XXXXXXXX XXXX XXXX in XXXX XXXX XXXX sent the title of the loan to Motor Vehicle Registration. They sent the title to me. It cause to Credit Acceptance Bank close the loan because of the tittle. The dealership call me to renegotiate the loan because of the mistake. They took the car in XX/XX/XXXX XXXX. 

I keep communication with the bank, because the promised sent all my money I pay to the loan. ( {$1400.00} ). In multiple times they sent to paycheck at my name to the dealer, but the dealer lie me, justifying they don't received the check. But Credit Acceptance sent my check. 

I decided move to XXXX XXXX in XX/XX/XXXX. I called a lot of times to Credit Acceptance to report I will leave XXXX to other address ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX ). The told me they will consider send to me a new check. In XXXX the sent again the new check to dealership in XXXX XXXX. 

I need recover my money ( XXXX ). additional I Pay {$1500.00} of down payment. I made payments of the insurance ( XXXX ) for more than one year. It affected my credit because of loss my car.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally complain about Equifax 's failure to properly reinvestigate inaccurately reported late payments on my credit report associated with my XXXX XXXX account, number XXXX. These errors are negatively impacting my credit score. 

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4 ) ( 0 ) ), Equifax is required to conduct a thorough reinvestigation when a consumer disputes the accuracy of the information in their credit report. Despite my disputes, the following payment records are incorrectly reported on my XXXX  credit report : XXXX : 30 days late XXXX : 30 days late XXXX : 30 days late These inaccuracies must be corrected, and I request their immediate removal from my credit report. 

I formally request that Equifax provide me with a copy of the reinvestigation report, including detailed documentation and evidence that justifies the conclusion of the investigation. It is crucial for me to understand how the reinvestigation was conducted and to verify that the procedures followed were appropriate and that the final decision is based on concrete and verifiable evidence.
Product: Mortgage

I HAVE BEEN TRYING TO MODIFY THE EXISTING MORTGAGE WITH A NEW COMPANY, SELECT PORTFOLIO. THIS COMPANY IS GIVING ME HARD TIME WITH THE DOCUMENTS EVEN THOUGH I HAVE SENT DIFFERENT TIMES. THEY ARE SAYING THEY ARE NOT RECEIVING THEM. 

I HAVE BEEN SENDING NEW DOCUMENTS LIKE 4 DIFFERENT TIMES. THEY ARE PLAYING ME. 

RECENT I PAY TO AVOID FORECLOSURE. NOW THEY SAYS THAT I NEED TO PAY MORE.
Product: Credit card or prepaid card

I was charged prior to the date I authorized the merchant to complete the charge. I contacted Chase to dispute the charge and Chase is making me wait 15 days to dispute the charge. My understanding is that a dispute must be taken upon notification from a consumer that it is unauthorized. 

I agreed to be charged on XX/XX/2021 and was charged on XX/XX/2021 for {$79.00}.
Product: Credit reporting or other personal consumer reports

XXXX Inquiry appear to me which are discounted and not authorized by me. 

XX/XX/scrub>/2025 XXXX XX/XX/year>2025 XXXX XXXX XXXX 

XX/XX/year>2025 .CITI CARDS CBNA
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XX/XX/year>
Product: Debt collection

I have vehicle lease account with XXXX XXXX XXXX that was properly paid for and closed on XX/XX/XXXX. As I changed address after the account was closed, I did NOt receive any further communication from XXXX. But, I get a call from a credit collection agency, XXXX XXXX XXXX, on XX/XX/XXXX regarding a debt to XXXX. I requested a written notification, which they sent me on my new address. The bill was for : excessive wears and tears and a purported missing key for a total amount of {$700.00}. I contacted XXXX and disputed the missing key. XXXX told me the account was closed and that the additional debt was sold to the credit collection agency ; therefore I had to work it out with the collector. I contacted the collector over the phone and we agreed on the amount of {$490.00} to settle the debt. However, until now the original account is still appearing as " open '' with XXXX, with a debt of {$210.00}. I have been disputing that over the last 3 years, but XXXX   keeps telling me that this is what XXXX reports to them. Each time I contacted XXXX at XXXX to request that they either : 1 ) report the account as " closed '' or 2 ) send me a bill in the mail with payment instructions. But, each time the department refused to do so nor will they provide the phone number of the department to contact. All, the tell me is to write to their collection department, which does NOT have a phone number! Worse, the phone number ( XXXX ) listed on the credit report does NOT belong to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX XXXX is misreporting a balance on a settled charge-off account. 

They apparently have also either sold the account or have hired an outside collection agency to collect on their behalf a balance which should have been forgiven per the settlement agreement. 

On XX/XX/XXXX, I sent XXXX a letter requesting a settlement along with a check. They cashed the settlement check, and payment was posted from my account on XX/XX/XXXX. On or about XX/XX/XXXX I received a response letter from XXXX stating that they were unable to identify my account, and were requesting information so they could apply the payment correctly. On XX/XX/XXXX I faxed over all of the requested information to them. 

After nearly a month with no response, I attempted to call them several times and could never get in touch with someone to discuss the situation. I left several messages and got no response. On XX/XX/XXXX I sent via certified mail the entirety of the information they requested that I had faxed on XX/XX/XXXX. I have yet to hear a response. 

On XX/XX/XXXX I received a letter from XXXX, a collection agency, stating that the account had been listed with them for recovery. The balance stated on the collection was not the original charge-off balance, but rather the original balance minus the settlement amount that was agreed upon. 

XXXX has not held up their end of the settlement agreement, and is attempting to collect on a balance that was forgiven per settlement agreement.
Product: Payday loan, title loan, or personal loan

Upon taking out this loan, Title Max assured me that the interest rate would be 9.99 % to pay back the loan entirely. I was not informed that it would be more than that. I was not given anything to read just asked to sign electronically and XXXX stated she'd reached out to the regional director to get preferred pricing totaling 9.99 %. She spoke very fast and assured me that the overall interest would not exceed 9.99 %. I'd come into hardship after the government shutdown from XXXX of XXXX thru XXXX of XXXX and during that time became aware that none of my payments were applied to the principal and that the interest rate was more than 9.99 %. I'd paid thousands of dollars in interest. That was not what XXXX promised. It has caused further financial hardship to me that to date I've not been able to recover! 

I've worked out an arrangement plan with a manager in corporate resolutions to pay what I can until things get better and WITHOUT my vehicle being in jeopardy of repossession yet each time calling has not been a good experience. Their reps are intentionally refusing my payments. I'm being told they get incentive or monetary value for processing payments received. Low payments affect their incentive. This is not my issue. On XX/XX/XXXX, I made a payment with XXXX and XX/XX/XXXX made a payment with XXXX after XXXX ( a manager )  refused to make herself available to speak to or help me. Worse yet, both times my credit card number was taken, repeated back to me and after disconnecting, I later found out the payments weren't applied. Why'd they take my card number then? Was it safeguarded or shredded? This has to be a violation of my privacy if not. I was provided a confirmation last payment ( XXXX. This business practices are unethical. I'm getting calls repeatedly harassing me that I'd had to ask to be placed on a stop calling list. 

I've just gotten a call from someone telling me that my payments are being reversed because they aren't enough which was unprofessional. This is a scam! It was deceptive for TitleMax to tell me that the rate ( interest + principal ) is 9.99 % and then fail to disclose that it's really over 300 %. I feel that I've been taken advantage of severely. I would not have taken out this loan if indeed I'd known the truth. Please help!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION 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  Disputed Information ( In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the account #, date opened, high credit, credit limit, last reported, date of last activity, and day of the last payment.

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 : 1. 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 validated 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, TRANSUNION 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 or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disoutes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate. 
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 card

The response was that all XXXX charges had to be paid in XXXX XXXX