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

A {$95.00} annual fee was assessed to my American Express XXXX XXXX XXXX card in XX/XX/XXXX which I forgot to cancel. I was overseas for some time due to Covid-19 and calling to downgrade the card was forgotten and not a priority when I am afraid to return to USA. I did not have computer access at times and mail was returned since I forgot to forward to the proper place. {$46.00} was credited due to the downgrade on XX/XX/XXXX, to another product but the remaining {$48.00} is being held hostage by American Express for a 20+ years member whose business is not valued. Please refund the remaining {$48.00} as a sign of good will gesture and one time courtesy. Although I like the benefits American Express provides, I will use Visa and Mastercard  and will tell my friends and family to use other credit cards. 

American Express is adamant about its policy of the {$95.00} annual fee and says it is not in their policy to refund the remaining amount. This credit card was a solicitation by American Express to upgrade the card by giving a promotion and I regret falling for the trap since American Express rejected my request. 

XXXX understood the situation and refunded the annual fee for its XXXX XXXX XXXX XXXX. American Express should follow suit.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I realized there was multiple inquiries on my consumer report which I would like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The FCRA States that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my report. If you can npt produce these documents removed theses unverified inquries.
Product: Mortgage

I applied to Wells Fargo Home Mortgage for assistance on my loan XX/XX/XXXX. At the time, I was 60 days past due. I requested a deed in lieu of foreclosure. Every 30 days or so they request, in writing, additional documentation. I provide the documentation and request receipt confirmation by a phone call. 
I had until XX/XX/XXXX to submit the most recent information. I provided the information by fax on XX/XX/XXXX and placed it in the mail ( " snail mail '' ) on roughly the same day, give or take two days. 
Since XX/XX/XXXX, I have placed three phone calls to my " Home Preservation Specialist '' and her supervisor requesting a return call. It is now XX/XX/XXXX and Wells Fargo has not called. 
The Home Preservation Specialist is now XXXX XXXX ; between the months of XX/XX/XXXX and XX/XX/XXXX, it was XXXX XXXX. XXXX XXXX is XXXX 's supervisor. 
The outgoing voicemail message for XXXX XXXX on XX/XX/XXXX stated, " Today is XX/XX/XXXX. If you are calling between the hours of XXXX and XXXX Eastern Standard Time, you may press XXXX to be connected to the next available Home Preservation Specialist ''. When I pressed XXXX, I was informed by a robo-operator " no operator defined '' and re-routed to XXXX XXXX 's outgoing message. 
XX/XX/XXXX, I reported to XXXX XXXX I had consulted with an attorney regarding debt negotiation. I also requested a copy of all correspondence from Wells Fargo related to my request for assistance dating back to it 's conception in XX/XX/XXXX. She agreed to send it. I have yet to receive said correspondence and since that time I have not been able to speak with anyone.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, 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 Regulations E. These actions have caused significant inconvenience and financial loss, which I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - XX/XX/year> tried numerous times ( at least 30 ) to contact Experian by phone and email to get my credit report freeze lifted inorder to complete reverse mortgage. I have tried 6 different numbers, customer support, and online avenues but with no succcess. 
With XXXX XXXX XXXX, the freeze was lifted immediately. Less than 1 minute of time expended. I have tried for hours with Experian to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX 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 in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The bank is not upholding policies in regards to when a customer filed a claim against an unauthorized transaction.. in my opinion I believe the Fifth Third Bank discriminate against customers especially myself.. I was told one thing over the telephone however going to the branch its a different story ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I've been disputing the following below items with the bureaus and they all remain on there in violation of the Comprehensive Credit Act of 2020, Section 401. I've sent them multiple letters. No collection should remain without a contract. Same goes for inquiries as well. I have no authorization/contracts for such. There should not be any late payments either for accounts that I've paid in full, i've already discussed with them about this. 

XXXX XXXX XXXX {$4300.00} - Closed & paid in full never late ( unverified late markings ) 29 potentially negative months XXXX XXXX - Inquiry Unauthorized Inquiry from XX/XX/XXXX Auto Financing XXXX  - XXXX, debt buyer??? 
Opened XX/XX/XXXX {$290.00} XXXX XXXX XXXXXXXX - unauthorized inquiry Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX/ - unauthorized inquiry Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXXXXXX 

Nature of Complaint : I submitted a dispute to XXXX disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Despite making the payment on time, it was incorrectly recorded as late due to a processing delay on the creditor 's part. I have attached copies of my bank statements that clearly show the payment was made before the due date. 
Evidence provided : Bank statements showing timely payment. 
Correspondence from XXXX XXXX confirming the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Credit card or prepaid card

Since XXXX of XXXX I was put on a payment plan with Barclays due to financial hardships. My payment amount due is XXXX per month on the plan. Every since I have been on the plan I have been having payment issues with Barclays where two payments have been taken out for a couple of months and then one payment had to be returned for that month. Instead of the incorrect payment being back out it was deducted from the monthly payment amounts which then reflected the incorrect payment for that month. The XX/XX/XXXX statement and XX/XX/XXXX statements have my total payments as XXXX when it should be XXXX for both months. This means XXXX of my payments for both months was not recorded. I am owed XXXX in payments. Where did that money go? I am afraid I will keep getting cheated out of my payments every month.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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.
Product: Money transfer, virtual currency, or money service

This is an amendment to Complaint ID  XXXX , submitted on  XXXX - XXXX -2014. Please refer to the attachment submitted here because I want to know if it has any bearance on my problem with chase bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I placed a security freeze and file suppression on my consumer file with XXXX. On XX/XX/XXXX I received credit reports from XXXX XXXX, XXXX, and Experian that contained inaccurate information about a bankruptcy. XX/XX/XXXX I sent all bureaus dispute information for the inaccurate information on my reports as well as a letter to the court that the bankruptcy was listed under. XX/XX/XXXX I received response from BK court stating they do not verify bankruptcies and have no information on file for me with the given information from my credit reports. I also received credit reports from all 3 bureaus stating in writing that the information reported about the BK was verified by XXXX. XX/XX/XXXX I called XXXX  who verified I had placed said freeze and suppression of consumer file XX/XX/XXXX and that they DID NOT provide verification information to any of the credit bureaus. I now believe that there was no verification at all and theses bureaus are purposely reporting inaccurate information on consumer files.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Equifax reported a collection account under my name for a XXXX past due invoice from XX/XX/XXXX. I filed a dispute with Equifax XX/XX/XXXX, and received the result on XX/XX/XXXX stating the account belonged to me which is false. 
1 ) I contacted the collection agency on XX/XX/XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX, and they told me I needed to speak to XXXX to resolve it. 
2 ) I filed a XXXX dispute on XX/XX/XXXX : XXXX XXXX XXXX XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX ) I filed a police report on XX/XX/XXXX. 
4 ) I tried to reach XXXX for removal of the incorrect information on XX/XX/XXXX but the phone number listed in their web site is incorrect : XXXX After 3 weeks of working with different parties, the wrong information is still being reported by Equifax for the fraudulent XXXX account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. They responded saying that it was accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act. 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which governs how consumer credit reports are accessed. The FCRA aims to protect the privacy of personal information, and to promote fairness and accuracy in credit reporting
Product: Debt collection

I was XXXX XXXX XXXX XXXX XXXX. XXXX was on direct debit through debit card. XXXX was lost and had to be replaced. Forgot that this bill was being paid through the card so it defaulted. 
XXXX was only about 10 days late and they suspended my service Without any notice written, email, or phone call. This was XX/XX/2022. 
We had not been late on a payment in 15 years due to the direct debit and I was incensed that they suspended my service after only 10 days so I called them and canceled my account. This was XX/XX/2022 I should have only been responsible for prorated amount that was past due and not the entire bill since it is paid in advance. 
Also they charged me for the entire next month even though I had canceled the service weeks earlier. 
They tried to collect this and I objected obviously. They turned over to Creedence collection agency They also tried to charge me an extra {$40.00} fee for non return of equipment which was returned and verified. 
I can provide documentation supporting my argument. 
XXXX XXXX XXXX turned me over to collection ( Creedence ) and I Formally disputed the charges through written document but they still continue to harass by making repeated phone calls which is illegal. 
They also Put mark on my wife 's credit since the debit card was in her name. 
I Provided them with evidence supporting my argument but never got a response as I assume they just don't care. I have attached bank statements that show continued withdrawal till XX/XX/2022. 
I have attached files that show the charges AFTER I canceled service XX/XX/XXXX. There is a bill shown from them that shows ADJUSTMENTS to charges on that same date and a screenshot of XX/XX/XXXX phone call from me to verify. They then proceeded to charge me again for services in XXXX. 
Thanks.
Product: Debt collection

I am currently working on trying to fix my credit and take care if debts if I owe.I Contact Penn Credit ( collection agency ) to dispute inaccurate information amount wasn't aware of this bill. XXXX XXXX XXXX XXXX send paper work which I requested and what they sent was not a bill, I contact Penn Credit on XX/XX/XXXX they sent back paper work which they couldn't understand, So they contact XXXX XXXX XXXX to send them something concrete and they keep sending back same information.Would like this remove from my credit report, it's been almost 60 days and no results
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity, and I would like these idems removed from my credit Report. 
Thank, You
Product: Debt collection

on XX/XX/year> the company WESTLAKE PORTFOLIO MANAGEMENT located XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. violated XXXX or more of my fair credit reporting acts such as - 15 U.S CODE 1681 B - A .Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : section ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not knowingly or unknowingly give WESTLAKE PORTFOLIO MANAGEMENT any written permission to report to my credit profile - 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party WESTLAKE PORTFOLIO MANAGEMENT did not contact me or give me warning that they will be reporting any of my personal information to a third party. in addition WESTLAKE PORTFOLIO MANAGEMENT did not give me an explanation of how the consumer can exercise that nondisclosure option.

-15 U.S. Code 1692c - Communication in connection with debt collection. After I notified WESTLAKE PORTFOLIO MANAGEMENT to cease all communication with me they still continued to communicate with me via XXXX XXXX such as XXXX XXXX and XXXX.
Product: Credit card

I was making timely electronic payments on a Matress Firm account purchase. Those were made from my bank account and the last ( paid-in-full ) payment of {$240.00} was made on XX/XX/2023. However, Synchrony bank still did sent me a statement with a delinquent amount which also included a fee. I phoned call it and I was told that the payment had been wrongfully posted into another account, but I was promised that it will be corrected and applied it to my account. However, in XXXX the bank sent me a statement requesting the payment. I called them again and was told that a refund check was sent to me in the mail, which I did not received. Again, I was promised that-since I did not get any refund check- they will apply the payment and cancel such check. They failed to do so and Since then I had been calling and calling to get the issue fixed, as well requested written confirmation of the promises made on the phone conversations with them. But nothing has been fixed, rather the bank is now adding charges to the final balance, but failed to sent me statements since XXXX. It only keeps emailing me, improperly requesting the payment which I already made since XXXX.
Product: Debt collection

The collection Agency has engaged in false and misleading practices violating FDEPA 807. Additionally, they have provided a form violating FDEPA 812. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

True Accord supposedly tried to collect a debt on behalf on XXXX XXXX from over 4-5 years ago, but XXXX  has no record of turning over any debt collection to True Accord, nor did they say they even work with True Accord.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been incorectly reporting my payment history, I have never been late to this company by any means. This company is not metro 2 compliant which is causing me serious stress in my life. I would like for this company to bring my account to current status for each month they have reported me late.
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX, Experian and XXXX credit reports and I can see account reporting inaccurately. Please see attached file below
Product: Credit reporting or other personal consumer reports

XXXX XXXX ss # XXXX XXXX : XX/XX/XXXX contents of complaint : This cfpb complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the the trans union credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud with in 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a {$14000.00} XXXX XXXX XXXX  opened on XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX {$52000.00} opened on XXXX XXXX XXXX # XXXX, also a XXXX XXXX  {$1200.00} opened XX/XX/XXXX XXXX # XXXX, XXXX XXXX  {$1500.00} opened XX/XX/XXXX XXXX # XXXX, last XXXX XXXX XXXX {$430.00} opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.i have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit maintained by you wich shows the aforementioned fraudulent items.i do not recognize aforementioned accounts, and the hard inquiries as reported. The aforementioned accounts, collections and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity theft criminal complaint # XXXX as proof from the US Federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Department TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in case of disputed accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.