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

I used my brand new credit card from bread cash back American Express to rent a vehicle with XXXX rent a car everything went fine i was billed from XXXX on That card with no problem. A few weeks later in XXXX I get an additional charge of almost {$1100.00} on my Bread cashback card from XXXX I immediately called XXXX they didnt have any record or even understand why I had an additional charge on my card I had to send them info to prove the charge was on my card I then called back bread cash back American Express to tell them this was a fraudulent charge and they said they would look into it I even got a few letters from American Express telling me to be patient they are working on it but as of today XX/XX/2023 and it is still on my account this fraudulent charge occurred on XX/XX/2023 I alerted both companies it was fraudulent charge within a weeks time of that fraudulent charge I dont understand why I am not being helped in this matter by American Express for a fraudulent charge against my account please help Ive spent well over 3 hours on the phone with American Express to no avail. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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 bef
ore 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 befo
re 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! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

I have had my American Express platinum credit card for seven years since XX/XX/2013 and I have not had a credit limit increase also this card is a charge card and I feel like that I was not giving any ample opportunity to have a raise and credit increase this account like I said is a charge card and there is not supposed to be a credit limit on this card I use this card for all of my purchases for everything that I buy for myself or anything in life and I feel like that I am not getting treated as well as other patrons that are out there that have this card also with the American Express platinum card I pay an annual fee of {$550.00} which uses up most of my credit limit the credit limit that is On my account is a {$900.00} credit limit I think and feel that it is so unfair to have this type of credit limit and I feel that I am miss treated as a American Express member
Product: Money transfer, virtual currency, or money service

Block, lnc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act cfpa specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected funrthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act efta and registration e the actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

I opened a joint HELOC through XXXX ( now Wells Fargo ) with my ex husband. He withdrew {$100000.00} for himself and had a divorce attorney make him not responsible to repay it. I am left with a deed that was not worded properly so I can not refinance, and repaying a loan he took out at high interest, that is not tax deductible because he he did not use it on the house. The attorney gave him loan forgiveness and the money was not reported to IRS as income or taxed, as would be done if the bank forgave a loan. I am under a court order to repay someone elses debt or lose or my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-150 )  days late on the XXXX XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX  and Transunion are reporting incorrectly that I am ( 120-150 ) days late on partial account numbers XXXX and XXXX. XXXX  is reporting incorrectly that I am ( 150 ) days late on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

My XXXX XXXX XXXX mother has a checking account and I am the co-owner though my name does not appear on the checks. It is at BMO Harris. My mom used to still write checks for her bills. All were small amounts save for the caregiver company and her XXXX account ; but those were never over say {$1200.00} at a time. 

In mid XXXX, my mom wrote 4 checks for various utilities and a donation and i deposited them in the local XXXX XXXX XXXX of the local XXXX XXXX XXXX XXXX. XXXX, specifically, where many residents are elderly. 

About 3 weeks later my mom got mailed notices that 4 checks had been cashed from her account for {$9800.00}, {$7500.00}, {$9700.00} and {$9800.00}. We immediately went to the local BMO to register these as fraudulent. However, were told that it takes 3- 6 months to investigate and retrieve these checks. ( The money was only in my mom 's checking as her care giver bills are increasing, and she took money out of an IRA - a perfect storm. ) Now 3 months later, only 1 {$9800.00} check has been credited to our account.

My Mom is XXXX. soon to be XXXX  Really??? 3-6 months???? 

i write because : 1- clearly BMO Harris does not have adequate checks and balances on elderly people 's, or anyone for that matter 's, accounts. UNCONSCIONABLE. ( I was told by a friend at XXXX that monitoring the elderly 's accounts is XXXX there. ) 2-BMO Harris has a very obscure complaint department. You can only really contact your local branch, who is frankly 100 % out of the loop and powerless. They repeatedly say, " it is being investigated in the Fraud Department. '' but a consumer can not reach the Fraud department. Nor does that Dept. give any info to the local branch.

3-And perhaps most importantly, we were told the 3 other checks, not yet credited, were cashed at XXXX XXXX XXXXXXXX and BMO was waiting to resolve this with XXXX XXXX XXXX. These are FIDUCIARY institutions. THEY made the mistake - yes bothXX/XX/XXXX and BMO - of cashing checks to people who had CLEARLY WHITED OUT my mother 's written amounts, with 3rd grade handwriting. Because they lost money, and are arguing as to whose fault it is, why should the innocent consumer be made to pay? They are holding our money in fiduciary trust- it is not their money to decide when we should get it back. 
I WOULD LIKE OUR MONEY BACK WITH INTEREST IMMEDIATELY. They are borrowing our money because they made a mistake and can not resolve it quickly. And yes, the irony that my mother 's Credit Card for which we would have to pay interest if the " borrowed funds '' are not paid back on the due date is held at BMO Harris only adds salt to the wound. This lack of immediate return seems a direct violation of their governing laws.
Product: Credit reporting or other personal consumer reports

I am writing to express profound dissatisfaction regarding the persistent presence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the bank associated with the fraudulent account. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent account would be expeditiously removed. It is noteworthy that both XXXX and XXXX have already expunged this account from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify this account when the aforementioned bureaus have already removed it. I urge you to delete this account from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 

XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My complain is in regard to my previous complaint with DOVENMUEH/XXXX XXXX XXXX XXXXXXXX I was just notified by my credit report that as of XX/XX/2023, XXXX, once again, reported to my credit report : " foreclosure proceedings started. {$7400.00} past due as of XX/XX/2023 ''. As of late XXXX, I began the reapply with loss mitigation for a 6-month deferment. As of XXXX, my application was accepted and currently under review. I have all documentation to prove my case. I contacted XXXX XXXX XXXX  and submitted them documentation of my case and they have suspended foreclosure proceedings, and they assure me that they notify XXXX. I have documentation to prove my case. I called loss mitigation in XXXX and they assure me that all foreclosure proceedings have been suspending due to my application being under review. While being review, XXXX continues to report to my credit history, false reports about the status of my account and reported an XXXX late payment. I have documentation to support my case. If this does not stop or continues false reports that continues to affect my credit report, I will seek legal action. I have attached the email from the foreclosure law firm stating their suspension as well as the letters by XXXX stating that my application had commence in XXXX and being reviewed in XXXX.
Product: Debt collection

I am writing to dispute a fraudulent account that is being reported by XXXX XXXX XXXX for Covington Credit on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that XXXX XXXX XXXX for Covington Credit cease reporting this account and remove it from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$69000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} 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: Mortgage

Summary : The issue is we are trying to get an accurate accounting of our mortgage in order to payoff the XXXX loan on our resident. We are not getting the complete accounting. 
Detail : We have a XXXX loan that started in XX/XX/XXXX. Matured in XX/XX/XXXX. We started negotiating with the lender, XXXX XXXX XXXX XXXX ( XXXX ) to pay off. While this negotiation was going on, we were making our regular monthly payments. This went on for a couple of years. Then they decided to refinance it and gave us another loan. When they sent the new loan documents to us, we saw that the new loan amount was too high. Then we received from a law firm a small check for a class action pay off from XXXX wrong doings. We did not accept the refinancing offer that they offered us. We managed to collect the money from other sources to pay off this loan. We asked them to give us a complete accounting of this loan. They immediately transfer the servicing of this loan to another company named Ocwen. They stopped accepting our monthly payment. We have been trying to get an accurate accounting of this loan ever since. We still have not received a complete accounting of this loan. We have the funds ready and sitting in an account for the past 5 years. And still no resolution on this loan. The loan balance is suspected to be about {$180000.00}. They would like to payoff of {$210000.00}.
Product: Bank account or service

My bank for some reason refuses to correct my mailing address. The local branch has called the main branch and asked them to correct my mailing address but the bank says they did but have not done it.     My bank is sending all my business bills with my home address and etc. I have asked over and over again to please update my mailing address but they ca n't figure it out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] Transunion Consumer Solutions XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear XXXX, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX # XXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as XXXX with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information.

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( Transunion, XXXX, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( Transunion, XXXX, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED
Product: Debt collection

Transworld Systems or TSI called me and called my elderly parents to collect a medical debt that I do not owe and that is not reported on my credit report. Their representative stated I owe more than {$500.00} to XXXX XXXX XXXX XXXX. I explained that I did not owe this debt for the following reasons. 

About two years ago I was a passenger in a XXXX yellow cab. The cab was struck by another car. As a result, I received treatment at the hospital in XXXX XXXX, which is now a part of XXXX XXXX. I explained to the Transworld caller that if the alleged debt arose from this incident, it was not a debt that I owed. The hospital was authorized to collect payment for my treatment from the insurance companies involved in the car accident and did so. 

I do not know how this debt collector received my information about this debt as to my knowledge does it does not appear on my credit report. More importantly, they called my parents at their home even though I have never shared their phone number with them or XXXX XXXX XXXX Services, or the hospital. My dad is in his eighties. It is abusive for them to call my family to attempt to collect a debt, especially a debt that I do not owe. 

I also do not understand how they would lawfully disclose medical debt information to a third party, even if that information is inaccurate.
Product: Student loan

On XX/XX/2018 while talking with a representative who indicated they were a manager, I was trying to find a way to lower my monthly student loan payment as it was higher than what I could afford. The representative told me I needed to get a part time job, I let them know I had a young child and child care cost so much that getting a part time job would probably make me lose money. The representative then told me that I could save money if i applied for food stamps or other government assistance, I let him know that I made too much to qualify for those programs and I only gave no money because it all goes to pay those student loans. The representative told me that it was not their job to fix my mistakes and that I should have thought about having a child and choosing the career path I did before ever taking out student loans. I was appalled that my child was called a mistake and I was told my choices were stupid, I am not the one that  loaned an XXXX year old that much money for a XXXX  degree, I was not thoroughly prepped on what to expect from taking those loans out but instead I was urged to l! The representative said to this, XXXX years old is old enough to drive, vote and play the lottery, old enough to make those decisions and know the outcomes, thats your responsibility not ours.
Product: Credit reporting or other personal consumer reports

XXXX I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

so on XXXX XXXX i bought an item for XXXX and i quickly wanted to be cancel cause i dont want it as its my right to refuse the item, well this company ignore my request and told me that i couldnt do it and told me that just to sell the item on there website, i told them many times i dont want the item and please just to refund me they still denied me and sent the item either way, i received the item and i return it back to its sender, after i told them that they still refuse to give a refund so i went with my credit card company which is ( apple ) i submitted every single evidence in my part and with that i was calm cause i know i was in the right, i received my email today XX/XX/2022 saying that i lost the dispute and the reason that i lost was because supposedly The evidence we received confirms that all sales were final at the time of purchase like that doesnt make any sense it doesnt matter if there were final i returned the item and they refuse the item so what i am my supposed to do i did everything but they still refuse to give me a refund, other that just sketchy to tell your customers to sell it in your website that just the worst place i resubmitted the dispute and will provide the same evidence i did and the worst of all i need to wait 2 billing cycle to get answer which is really disappointing, please i need your help with this apple is not doing its part as a fair credit card company
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  from XXXX. 
XXXX, XXXX and Wakefield & Associates have unpaid Medical charges on my credit report during that time. 
I have sent them my XXXX  records ( and other documents ) confirming my XXXX  dates. 
They have done nothing to correct the situation.