23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : 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: Credit reporting

I have a derogatory collection item in the amount of {$470.00} that appears on my credit report. I contacted the collection agency, XXXX XXXX, who reported the item to the credit bureau, in an effort to resolve the mistake ; they were unable to locate any account for me with my Social and all my identity information. They looked XXXX and the gentlemen I spoke with advised they have no account with my identity information and said they would delete the collection item.Since then, I ask them to remove the deragoatory entry from my credit repor and they said they would, Since then I have asked XXXX XXXX XXXX additional times for them to correct their error and all XXXX times they said they would.
Product: Debt collection

Yesterday, XX/XX/XXXX, a company fraudulently tried to extort {$3200.00} from me. Then the lady, XXXX XXXX, Supervisor, said I could pay {$680.00} by Monday, XX/XX/XXXX to not be subpoenaed ( with or by ) XXXX County or for me to have to get an attorney and go to court. I do not know anything about this issue. She was threatening me with the attitude, " pay up now ''! Via phone she said this was " reported in XXXX. '' She said they sent letters to me, and I never received any letters she suggested they sent. This was extremely upsetting to me. I obey the law and do not have any credit issues. I am on Social Security. I felt harassed and that she was pushing to take advantage of me. She did say that XXXX. XXXX  was a legal firm, and the Creditor was US Bank! She was a fast talker and had me in knots. 
I did give her my email address, so she could send their letter to me on XX/XX/XXXX. It shows on their letterhead, XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX, phone XXXX. That letter they sent to me via email will not print, and it won't allow me to forward the letter either. Their phone number shows up as TxTag, where people can pay for highway tolls in TX! I believe this is fraud and I.D . theft. Please help stop this fraud against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX which is wrong with no apartment number. 
Correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Checking or savings account

Wells Fargo Bank drilled out my safe deposit box without any prior communication, written notice, or authorization from me. I was never notified via phone, email, or mail that any action was being taken regarding my box. 
When I went to the branch to access it, I was informed by the branch manager that the safe deposit box had drilled out. However, the manager refused to provide any explanation or documentation related to the closure. I was simply told that Wells Fargo is in possession of my belongingsbut they will not release them to me. 

This situation is extremely distressing. I am the rightful owner of the contents of that box, and I have received no due process, transparency, or reasonable explanation for the banks actions. My attempts to escalate the issue through customer service have gone unanswered or resulted in vague responses.
Product: Credit card

I am a XXXX XXXX XXXXXXXX  XXXX veteran living in XXXX CO and am a graduate of the XXXX XXXX XXXX XXXX XXXX, and ran across another fellow veteran from the XXXXXXXX XXXX who was homeless. I moved all my furniture out of my office to make room for him, rented a storage unit to place my belongings in, bought the veteran a new electric bike so he could visit the food pantry for groceries, load his bike on local buses, spend time with friends at his local dive bar, and eventually get medical assistance through the VA for some injuries sustained during the XXXXXXXX XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Having an almost perfect credit score, I decided to place some of the costs on two high interest credit cards through Chase Card Member Services, because I was also spending time in XXXX working with some of the human rights protests at major university campus ', of which I am an alumni of XXXX XXXX XXXX XXXX. During the two months with Chase, my credit score dropped from an XXXX to almost a XXXX, and despite not missing a real payment the closed both of my accounts for " Rapid increased in revolving balances '' and " Recently returned payments on one or more of your accounts. '' I have had both credit card accounts for well over 5 years and usually kept one of them locked and stored for safe keeping. The more premium credit card I was paying off through disbursements from Chase Sapphire Reserve ( Card number : XXXX ) my XXXX Retirement Investment Accounts to start paying off some of the credit cards. My less premium card Chase Sapphire Preferred ( Card number : XXXX ). Both letters were delivered on XX/XX/XXXX, the day before XXXX XXXX and were dated XX/XX/2024. The goal was to use my retirement as collateral to help out this fellow Veteran who was XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  etc., and has a goal of meeting his two grand daughters before he dies. 

I have been borrowing petty cash from wallets of family and friends to help get myself out of this credit hole and even over XXXX XXXX Weekend, I couldn't even spend the weekend with family and friends due to embarrassment about not even being able to bring drinks or snacks to a BBQ to memorialize fallen soldiers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and friends I've lost XXXX XXXX XXXX XXXX 

I have been on the phone with Chase and into several local offices and they refused to help besides just 'closing my accounts ' without my request after consolidating the two accounts without my permission and then closing both of them. I don't know if it's possible to press criminal charges, but this should fall under discrimination and XXXX law as well as equal credit opportunity act, since I was deriving some of my income through XXXX payments through the Veterans Affairs.
Product: Credit card or prepaid card

Dear CFPB, This complaint is a follow up complaint to these two, which you have marked as closed but have never been resolved.
XXXX XXXX Citigroup insisted that I complete, at my time and expense, a Power of Attorney, before discussing with me, their establishment of a very large credit line in the name of my XXXX XXXX wife. I did this as they requested and send them the documentation in early XXXX.
Instead of contacting me, they are now calling my wife, who is XXXX XXXX. The whole point of getting the POA was so that they could discuss with me, but they are going around my back and not honoring the terms of our agreement to date.
Please have them contact me as was our deal from the previous complaint.
XXXX XXXX
Product: Student loan

I started out with a {$9500.00} loan XX/XX/2005, I put into forbearance, as I could not pay with the low paying job I had. Now the loan is {$17000.00}. REALLY?!
Product: Credit reporting or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports, and noticed that XXXX XXXX # XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, XXXX. 
I have retained a copy and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required XXXX period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the CFPB and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that XXXX, XXXX XXXX and EQUIFAX may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

I am aware of your illegal practices of sending form letters in response to disputes and challenges. 
from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.

BSCF14 Terms Frequency : MISSING INFORMATION... There is inadequate information to justify a write-off status on my credit report for an account that does not even show XXXX, XXXX, or XXXX past due. this is an obvious error please delete it immediately. XXXX FCRA Compliance/Date of First Delinquency : Missing data and information. 
This account was never late and was also PAID IN FULL on time XXXX XXXX  XXXX Please delete the error.
Product: Debt collection

Several different third party collection companies continue to send me a toll bill with different amounts from a state I do not live I have pay several invoices with different amounts from almost a year ago each time I ask is there anymore invoices in the systems they say no this is it then they waive administrative fees and I pay ... I have disputed numerous times based on duplicate invoices cooying of photos and creations of invoices, receivable too old based on date of violation and no violation code on invoice and different numbers and amounts on same collection notices from different companies. I believe this too be fraud and invoice and billing abuse because I am an out of state resident. 

Again I dispute all invoices with. 


XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Oh XXXX XXXX Account # XXXX Creditor 's Account # XXXX Violation Code 0000000 I was there XX/XX/2017 I have paid numerous tolls while there and the ones sent through mail and was told that was it .... 

Thanks XXXX XXXX
Product: Mortgage

I initiated a mortgage loan on  XXXX / XXXX / XXXX  and the only insurance requirement indicated was for hazard insurance. Since origination, the loan servicing has been transferred twice. At no time did either of the servicing companies state a requirement for any insurance other than hazard insurance. On  XXXX / XXXX / XXXX , Specialized Loan Servicing LLC  ( SLS ), th e current loan servicing company sent a letter stating that windstorm insurance was required. I promptly ordered and paid for a windstorm policy, which became effective  XXXX / XXXX / XXXX . I was further notified by SLS that I was required to have windstorm insurance for the period  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I called and spoke with t he SLS Insurance Center p ersonnel, explaining that there was no indication of requirement for windstorm insurance prior to their letter of  XXXX / XXXX / XXXX . I inquired why a policy was required retroactively. SLS personnel advised that the mortgage required it. SLS then force-placed a windstorm on the property, for the period  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX , and they charged the {$2000.00} premium to my escrow account. I call ed the SLS Insurance Center again and asked that the charge for that premium be removed from my escrow account for the reasons already cited. SLS has refused to remove the premium charge .
Product: Credit card or prepaid card

I am a victim of identity theft and some applied and opened a fraudulent America Express credit card account in my name. The account is fraudulent and is not my account. I never applied for for an American Express credit card account. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, job loss, garnishment of wages, legal action, jail, prison, XXXX and XXXX from American Express XXXX XXXX XXXX which is very frightening and a major violation of the Fair Debt Collection Practices Act under Federal and State law.
Product: Debt collection

I was contacted by phone by Diversified Recovery Bureau attempting to collect a debt they claimed I had from XXXX XXXX and XXXX XXXX. They had the address of a previous residence as well as the last 4 digits of my SSN. 
I have never taken a loan from XXXX XXXX or any other payday lending institution. I contacted a branch of XXXX XXXX and XXXX XXXX and confirmed they do not have any record of doing business with me. Diversified address and contact info is : Diversified Recovery Bureau XXXX XXXX XXXX XXXX XXXX NY XXXX United States Of America NMLS ID # : XXXX Phone XXXX XXXX XXXX XXXX diversifiedrecoverybureaullc.com
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : LIKE I SAID IN MY PREVIOUS LETTER This is my final & last LETTER ( AGAIN ) AND FINAL LETTER. MY IDENTITY WAS STOLEN!!! THIS IS NOT SOMETHING TO PLAY WITH SOMEONE'S LIFE AND LIVELYHOOD! 

ATTACHED TO THIS LEGAL BATTLE I HAVE AN OFFICIAL POLICE REPORT FROM THE XXXX POLICE DEPARTMENT DUE TO IDENTITY THEFT AND THE REASON AND CAUSE OF THESE FRAUDULENT ITEMS BEING REPORTED FRAUDULENTLY ON MY CREDIT REPORT! .THEY ADVISED ME TO TELL YOU WHEN I SEND YOU THE POLICE REPORT THESE ITEMS NEED TO BE BLOCKED AND REMOVED IMMEDIATELY!!! .I DEMAND THESE ACCOUNTS ACCORDING TO THE LAW BE REMOVED IMMEDIATELY IN A TIMELY MANNER WITHIN 5 DAYS ACCORDING TO THE LAW! .THE POLICE REPORT -INCIDENT # : XXXX. These items need to be deleted/removed from my credit report IMMEDIATELY FROM MY TRANSUNION CREDIT REPORT!, XXXX HAS ALREADY REMOVED THESE ACCOUNTS, WHY IS YOUR COMPANY STALLING AND KEEP DISRUPTING MY LIFE OVER AND OVER AGAIN!, THIS ACTIVITY IS ILLEGAL AND HAS BEEN REPORTED TO MY LOCAL XXXX POLICE DEPARTMENT! AGAIN FOR THE VERY LAST TIME THESE ACCOUNTS LISTED BELOW ARE NOT MINE. IF THIS KEEPS HAPPENING AGAIN I WILL SUE YOUR COMPANY FOR THE PAIN AND SUFFERING YOU HAVE CAUSED NOT ONLY MYSELF BUT MY FAMILY AND OTHERS AS WELL, I WILL GO PUBLIC WITH THIS ON THE NEWS, AND TAKE YOU TO COURT!!! .REMOVE THESE NEGATIVE ITEMS IMMEDIATELY!!!!! 

( XXXX ) THE POLICE REPORT -INCIDENT # : XXXX ( XXXX ) USPS TRACKING NUMBER : XXXX I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! 

Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX. 
THESE ACCOUNTS LISTED BELOW ARE NOT MINE. 

I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account : XXXXXXXX XXXX Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. 

Collection Account : XXXXXXXX XXXX  Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 


Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
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 UCS 1681. 

XXXX XXXXXXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # 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 that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having a hard time extending new credit for myself. I recently reviewed my credit report and noticed there are several inaccurate items on my report. I understand that the information reported on my credit report must follow an industry standard format called Metro 2 and my information must be reported with maximum possible accuracy. However upon review of my credit report I have found out that the following accounts are reporting inaccurately and they are not metro 2 compliant. I have sent multiple letters to the credit bureaus but they continue to fail me in correcting the information. 

This account is reporting inaccurately and it is not metro 2 compliant. 
NAME OF ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX This account is reporting inaccurately and it is not metro 2 compliant. 
NAME OF ACCOUNT : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX This account is reporting inaccurately and it is not metro 2 compliant. 
NAME OF ACCOUNT : XXXX XXXX ACCOUNT NUMBER : XXXX In accordance with tine Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX have all 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
Product: Prepaid card

I was issued this American Express eGift Card ( details below ) through my employer on XX/XX/XXXX and began using it with no trouble on XX/XX/XXXX and made a subsequent XXXX separate purchases using the card through XXXX at a variety of different merchants -- grocery, restaurant, hardware stores, etc. 

Then, after XX/XX/XXXX, the card abruptly began declining every single time I tried using it. I attempted at least 20 different merchants, both in-store and online, and it declined 100 % of the time, including at retailers like XXXX XXXX 's XXXX the card had previously worked fine. I have a balance of {$660.00} left on the card, and I am effectively not able to use this money because it is not accepted at any single retailer either online or in store, regardless of whether billing details are needed by the merchant or not. 

Over the following 4 months I have called Amex 's customer support no fewer than 5 times and spent hours on the phone with representatives in XXXX who specifically told me that they had resolved any restrictions on my end and thus that it was the fault of the merchants, not AMEX, that the card was being declined. I told them about how the card has declined for me over XXXX times at all retailers online/in-store and they insisted that those declines were not showing up in their system and again insisted that it was my fault not there's. I've tried to have the issue escalated to their XXXX-based team because no supervisor has been helpful. They have REFUSED to migrate the balance of the card to another card or try troubleshooting in anyway, apart from XXXX different times telling me that they've fixed the issue on their end and to wait XXXX hours for the card to work fine again. It has never been fixed and I know they are lying to me to get me to stop calling. I have asked them the same question over and over again XXXX am I expected to use this card if it is not accepted at a single merchant? '. They have told me that this is my problem to fix on my own and not theirs. They have stopped responding to my customer service requests and never call back when they say they will. I do not believe that a final solution can be that Amex gets to keep my {$660.00} because their faulty gift cards are being flagged for suspicious activity and therefore accepted nowhere. 

I would like to add that dealing with Amex Gift Card 's customer service agents has been the most dehumanizing customer service experience of my life, and never before have I been scammed like this by a reputable company like American Express. Researching on the internet, it appears countless others have a similar experience. 


Card Number : XXXX Exp : XX/XX/XXXX Security : XXXX
Product: Credit card or prepaid card

American Express I called to cancel a credit card and was told to switch to a non-fee card. 

I switched to the no fee card and in the process, auto pay was turned off. 

I received a statement and thought auto pay was still enabled and then subsequently was charged a {$29.00} late fee. 

I paid the statement balance immediately and requested a waiver of the late fee.
Product: Consumer Loan

I sent the loan company a letter requesting them to revoke my ACH debit authorization based on my consumer rights. In addition, I asked that no phone calls be placed to my place a work or business. The days I sent the letter via email I received a call from a private number to my work and personal cell. A lady by the name of XXXX, told me that she would not honor the letter I sent asking to revoke my ACH debit authorization. She begin to harass me and became very unprofessional. I researched the company and found out they do not have a CA state business license and their fees for the loan was not legal.