23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit card

I first contact American Express by telephone in XX/XX/XXXX XXXX  to let them know that my card was lost. I let them know that I only had 15-20 minutes available before my next meeting, and needed to get this resolved. They were ONLY concerned with trying to get my bank account information, so that they could take out whatever they deemed they needed/wanted, automatically, each month. I let them know that I would NOT sign up for auto-payments without first resolving the issue. The Rep took all of my available time with this nonsense, and I eventually had to give up. 

American Express has literally XXXXero way to contact their company, but by telephone. The only way to contact them through their site is if you're logged into your account, which requires you to have your card in-hand. They have zero publicly available email addresses. I spent the next 8 months reaching out via their social media accounts, and received no response. I've reached out again by telephone, with the exact same experience as the first occurence. I have even filed XXXX complaints and complaints with the NYS AG. And still, here I am, 8 months later... I don't know if my lost card, reported 8 months ago, was ever cancelled. I've never received a replacement card, which means I can not access my account or statements online. And I've received no paper statement, to verify that this card hasn't been used by someone else, since it was lost. Instead, their response to literally everything is " it might be XXXX but we only communicate or conduct business by telephone... please call us. '' Well I've done that. And every other available method of contact. 

I am not letting them auto debit whatever amount they want, whenever they want. Especially not when I don't even know if this card has been cancelled, or without reviewing any statement to see what the balance is or if any new charges have been made. They have done literally nothing at all to take care of this issue. All they are concerned with is getting my bank account information and automatically taking money out of it. In 8 months and being told about this issue dozens of times in numerous methods... they've never : - Cancelled my card to prevent fraudulent charges ; - Provided a new card so that I can use it or access my online account to review statements and make payments ; - Provided an electronic communication to access my online account, or ; - Provided an electronic or paper statement This is absolutely ludicrous, and I'm very seriously considering filing a lawsuit for the immense amount of time, effort, and energy that they have wasted, and for the immense amount of frustration and XXXX that they've needlessly caused. 

This company should not be in business. There is literally zero excuse for a company not to have done a single one of these things. In EIGHT MONTHS. Yet they keep sending those automated messages each month " just a reminder, we say you owe us $ XXXX today! ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I submitted on XX/XX/2021 a letter, FTC report, and 15 USC1681c-2 block info. I have an identity theft with an account on my Consumer Report with XXXX and Equifax Only XXXX XXXX XXXX ( ALLEGED ORGINAL CREDITOR ) XXXX XXXX XXXX This agency is in violation of 15 USC 1681c-2. A consumer reporting agency should block an remove the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. This account is still reporting on my account and they have all of the information that need and its been 6 days since they received the letter. 
I demand this account be removed/deleted asap because of the violation and I know under 15 usc 1692k XXXX I get {$1000.00} per violation. SO i am demanding deletions/removal of this account or im seeking monetary damages.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX [ Date ] Early Warning Services XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccuracies on Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute certain inaccuracies in my XXXX XXXX XXXX report. My full name is XXXX XXXX, and my Social Security XXXX is XXXX. I have identified several errors that I believe require correction. 

The specific inaccuracies are as follows : Bank Name : BANK OF AMERICA TEXAS Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed-Purged Previous Account Status : Savings Closed I have enclosed copies of relevant documents that support my dispute, including [ list any attached documents such as bank statements, correspondence, etc. ]. 

According to the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inaccuracies and provide me with the results of your investigation. I would also like to receive a copy of my updated report reflecting any corrections made. 

Thank you for your prompt attention to this matter. I look forward to your response within the statutory timeframe. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under U.S.C 1681 vin accordance with the FCRA, The listed accounts below has violated my consumer federally protected 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 XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account # XXXX TRANSUNION ( different account numbers ) Account # XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX  ( different account numbers ) Account # : XXXX XXXX 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. 

They also didnt even record the current status of the disputed information which is another violation..
Product: Debt collection

I do not owe this debt. They are trying to collect a debt that is not owed. I never received note of the debt and fees. I also have proof that was sent this not owned. I have called sent several emails. I also have voicemail saying I dont not owe this. This needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

My right to privacy is of utmost importance, and I am asserting this right through this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you are fully responsible for upholding your duties with fairness, impartiality, and respect for the consumer 's right to privacy. I am invoking this right as specified by the law. Please ensure that all information in this matter is treated with the highest degree of fairness, impartiality, and respect for my privacy. 

Under 15 U.S. Code 1681b, regarding permissible purpose, I have never given this company authorization for any such purpose. They are in direct violation of this statute. I request that this account be removed from my report immediately as it is damaging my reputation, character, creditworthiness, standing, capacity, and more. Since it is your duty to protect my privacy, I need this issue resolved with urgency. 

XXXX XXXX XXXX XXXX  # : XXXX
Product: Debt collection

My information was hacked from a numerous businesses, which sent me letters about it. Southwest Credit system called me while I was at work in XXXX, I ask the representative to send me information about the debt because I never did business with XXXX. The representative stated that she would and I verified by address. Then the next thing I see is that they put it on my credit without send any communication and no verification of this debt.
Product: Credit card

Re : Alleged Debt Claim Cease and Desist until Proof of Debt is Certified and Provided via Sworn Affidavit under Penalty of Perjury by an Authorized Competent Witness To Whom It May Concern : This letter serves as my formal response to the continued attempts to collect an alleged debt claimed to be owed by me to American Express ( Amex ). Until such time that a competent witness, authorized to act on Amexs behalf, certifies under penalty of perjury that the amount Amex claims to be owed is indeed due, valid, and legally enforceable, I will no longer engage in any further communications or participate in what I believe to be Amexs fraudulent debt collection activities of extortion, peonage, identity theft, trademark infringement, unjust enrichment, securities fraud and other deceptive business practices causing me continuous harm, damages and injury to which I seek redress.

Further, I hereby notify Amex, its agents, affiliates and representatives that a special tender and performance of an instrument in the amount of one dollar ( {$1.00} ) USD will be issued each and every monthly billing cycle. This tender shall be deemed as payment in full accord and satisfaction of the alleged debt and amount due until Amex can provide the requisite proof of the validity of the amount, or any amount it claims to be owed, not including monthly billing statements, as it has been well-established in numerous court decisions that mere credit card billing statements do not constitute valid or sufficient evidence of a debt owed. In particular, courts have ruled that billing statements alone fail to meet the burden of proof required to substantiate the existence or amount of a debt.

That said, I reserve all rights to challenge the legitimacy of this alleged debt and to take appropriate legal action against any unlawful debt collection practices perpetrated by Amex, its agents, affiliates and representatives.

Please consider this Amexs notice that unless the conditions outlined above are satisfied, I will regard any further contact or collection attempt as harassment and a violation of my rights under applicable federal and state laws.

This notice constitutes Amex 's final opportunity to provide the demanded documentation within fifteen ( 15 ) days of the date of this notice. Failure to comply will result in the immediate initiation of legal action. The preponderance of evidence indicating fraud and theft by deception, carried out with malicious intent to harm, damage, and injure, is now apparent. Should legal proceedings become necessary, this evidence will be presented as admissible proof of Amexs actions.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX I C SYSTEM INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I C SYSTEM INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

This company has been sending me letter trying to collect a debt that is to old to collect. 
According to the debt collection laws of the State of Texas there is a four year limit on debt collection from the time the last payment was made. The last payment on this account was made XX/XX/XXXX. Four years from that date would be XX/XX/XXXX. Here it is XXXX of XXXXThe account is through XXXX XXXX and it is in the amount of {$710.00}. I do have the bank statements from XXXX of XXXX through XXXX of XXXX when the account was turned into collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, ENHANCED RECOVERY COMPAN add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPAN has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting

The account on my credit report for XXXX XXXX was not opened or owned by me. I have reported this to trans union and Equifax but was told it meets fcc rules. Well show me where I signed or used an address associated with me. This is not my account and was opened without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX member. I waited until I was going to make a big purchase ( first time you use the card 20 % off ) before applying for the card. 

I was approved and made and paid off my big purchases. That card has no annual fee so my plan was just to keep a XXXX  balance and use for big purchases for rewards. 

XXXX changed my payment default from my checking account to their credit card. I made two purchases of less than {$20.00} a piece assuming this was being taken out of my checking account. It was on the card and late payments and a late reporting to the credit caused my score to drop drastically. I made sure this account is current.
Product: Credit card

Throughout these past 4 years ive been attempting to get rid of two credit cards that were fraudulently opened without my knowledge or consent. Both of which I knew nothing about until both were charged off. It has been destroying my credit. Multiple times ive requested information to take care of this but ive been unsuccessful every single one of those times. 

XXXX XXXX XXXX XXXX XXXX Statement XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA Description given by workers ( Charges made by older XXXX XXXX  with XXXX XXXX and blonde highlights ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Description given by workers ( Charges made by older XXXX XXXX  with XXXX XXXX  and XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX given by workers ( Charges made by older XXXX XXXX  with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  given by workers ( Charges made by older XXXX XXXX  with XXXX XXXX and XXXX XXXX  ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Description given by workers ( Charges made by older XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Description given by workers ( Charges made by older XXXX XXXX  with XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reported XXXX  was given verbal permission by me to speak on my behalf, I was not there for this call nor was I given notice it was being opened Date of opening - XX/XX/XXXX One payment - XX/XX/XXXX {$30.00} Hit Collections - XXXX XXXX XXXX XXXX  Last number associated with charges XXXXXXXX XXXX XXXXXXXX  Number associated with charges
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner Finance Company - I was late for two months XXXX XXXX company summons my husband and I to court. I paid all late fees and paid extra and therefore Manager said I didn't have to go to court - he would drop the court case. The Manager did not drop the court case kept it open until XX/XX/XXXX - that was not a problem since we paid every month on time. We paid the loan off early in XX/XX/XXXX - We pulled a credit report recently and they showed we was in collections from XX/XX/XXXX to XX/XX/XXXX ( account was paid in full in XX/XX/XXXX ). They also show that we were late 120 days per month from XX/XX/XXXX to XX/XX/XXXX. How could we be 120 days late each month - I have proof from the bank statements we paid on time. I called the local Manager and she said that it is their policy since we was gon na go to court to show us in collections. I tried calling the company since late XX/XX/XXXX to fix the problem. I even wrote to the CEO - I received a letter back stating they would fix the problem and problem is not fixed as of XXXX XXXX. On one credit report they did remove the collections however they are still showing 120 days late even after the loan was paid off. I've called numerous times and begged for them to call me back - they called me three times and said they would fix - still not fixed. On one call I said I would drive to Maryland to have a person meeting - I did get a call from local branch and she said for me not to go there they would fix problem. Again ; still not fixed. I explained we are trying to buy a home and we can not buy a home - due to this incorrect information. They should be fined for damaging my credit for all these years and all of the additional fees I paid to other creditors due to this negative information. This is beyond sad that Mariner would treat their customers like this- please do not use their services.
Product: Checking or savings account

I made an in person deposit of a check from another financial institution I do business XXXX XXXX XXXX XXXX ) with at a local XXXX, XXXX  XXXX location of Bank of America on XX/XX/23. I did so in person to ensure I understood what ( if any ) holds would be placed on my deposit. 

At the time the deposit was made, I was provided assurances from the teller, on my deposit receipt, and upon consulting the mobile app that my funds would be available to cover debits the next business day, on XX/XX/23. Despite these assurances, a secondary hold was placed on my deposited funds and I have been told they now will not be available as promised. 

While I understand that there was the possibility of the funds being held prior to making the deposit, once assurances were conveyed to me in writing, the financial institution is obligated to adhere to making funds available. 

I have confirmed that the funds have cleared and posted from my account at my other financial institution at that they are now in Bank of Americas possession. 

This unwillingness to provide me access to my funds is in violation of their deposit agreement, their terms and conditions, and is tantamount to fraudulent business practices. 

Copies of the receipt, their deposit hold FAQ from their website, a screenshot of the transaction being held, and proof funds have cleared my other financial institution are attached herein.
Product: Debt collection

I received a letter on XX/XX/2019 regarding an account ( ref # : XXXX ) requesting for me to pay a balance of {$350.00}. I replied to the letter from the company ( diversified Adjustment Services INC ) requesting for them to validate the debt. I have yet to get a response, however, they have inserted this information to my credit report. This has caused me to have to delay proceeding with buying my home due to a recent collection that hit my credit report. As a result, I will have to pay an inflated market rent for an undetermined time to my landlord due to me not being able to signing an extended lease. No one at Diversified 's office has helpful with determining the validity of this debt. I have never done any business with the company and am not sure how they have received my information. I requested a validation due to the fact that I am a XXXX and I have had to fight recently to remove information that belonged to my father from my report.
Product: Credit card

I am making this complaint becasue I called American express Credit card to make dispute for the tickets I paid through American Express Travel, the credit card department did not make the dispute for me, they always reansffred me to their travel department and put me on hold for long time, no body was able to give me any answer nor results at all. 
I booked a round-trip flight on the American Express Travel website . The trip information is as follows : XX/XX/XXXX to XX/XX/XXXX from XXXX XXXX ( XXXX  ) to XXXX, with XXXX XXXX. However, on XX/XX/XXXX, I missed my first flight. Consequently, I called the American Express Travel customer service line at XXXX XXXX  on XX/XX/XXXX to seek assistance. I informed the agent about missing my first flight from XXXX to XXXX and asked for guidance on what I should do next. 
The agent promptly arranged a new one-way flight for me with XXXX XXXX and I had to pay for that new one way flight to XXXX XXXX XXXX And The she assured me that I could still use my returning flight when I arrived in XXXX. Unfortunately, she neglected to inform me about the necessary steps to retain my returning flight, which I had already paid for with XXXX XXXX. Instead, she only asked me to pay for the new one-way flight from XXXX to XXXX. Additionally, she failed to inform XXXX XXXX about my change in plans, resulting in the cancellation of my returning flight. 

It's imperative that I receive a refund because the American Express Travel agent did not fulfill her responsibilities properly when I missed my flight, which I had booked through their service.