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

I am filing a complaint on American Express ( AE ) Credit card company. 
In AE mobile App pay system, the payment status are two steps. Right after you make a payment, the status is " Processing ''. Later, in about 48 hours, the status is " Thank you ''. The second step shown to our consumers mean that the payment is done. 
This mobile App pay system give scams or cons a big opportunity and success to trick and victim people. 
I was recently, last XXXX, tricked by a scam using such system. I was offered a " purchasing agent '' job. In this offer, there was two-week trial during which I needed to use a credit card to purchase XXXX products. The cons gave me their bank account for me to do the mobile pay. I did a purchases of {$9300.00} of XXXX products on XXXX XXXX, XXXX by my AE credit card and used a bank account provided by the cons using AE mobile App pay system for the payment. The transition went through and the status is " Thank you ''. I sent the XXXX products out to the cons. 
On XXXX XXXX of XXXX, I saw on AE mobile App system the payment of {$9300.00} has been returned. I called AE., they told me that I was not authorized by the bank and the amount due day is XXXX XXXX. 
To get a peace of mind, once I learnt the payment was returned and the due day was XXXX XXXX, I paid it on XXXX XXXX using my own bank account. But AE returned my payment saying that the bank account was not correct ( it's impossible that I put a wrong account number since it needs to be put in twice ). I learnt later that AE used this to have me call them back so that they can have my banker on line to make sure I got enough money to pay the. This happens on XXXX XXXX. I had enough money in my account and the payment was done. 
On XXXX XXXX, I saw an interest charge of {$190.00} due to my payment was made on XXXX XXXX. One day late than the short notice due day set by AE. 
I got tricked because AE provides a unsafe mobile payment system and never inform our customers that a " Thank you '' doesn't mean the transition is completed and how long it takes to complete. It took them almost two months for the payment to return.

I felt that AE is providing a very unsafe product and should be responsible for my loss. Also, AE should give me a billing cycle for the returned payment. Instead, they only give me one day for the due day and charged me for interest of {$190.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX  [ Company Address ] [ City, State, Zip Code ] **RE : Dispute of Charge-Off Account and Cease and Desist Request** **Account Number : XXXX Dear Sir/Madam, I demand a manual review!!

I am writing to formally dispute the charge-off status of the above-referenced account reported on my credit file. I assert that you have not received my written consent to report this account to any credit reporting agencies, which is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Furthermore, I wish to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). As such, I am requesting that you cease all communication regarding this alleged debt. This includes any form of communication with me, as well as reporting to credit bureaus.

Please be advised that my refusal to pay this alleged debt is communicated herein, and as per the law, you must halt all forms of communication and reporting regarding this matter.

Additionally, I want to formally notify you that I will not hesitate to pursue pre-arbitration should this matter not be resolved. The following laws have been violated in your handling of this account : 1. **Fair Debt Collection Practices Act ( FDCPA ) ** - Failure to cease communication upon consumer request.

2. **Fair Credit Reporting Act ( FCRA ) ** - Reporting inaccurate information without consent.

I expect your prompt attention to this matter. Should you choose to ignore this request, I will consider taking legal action to protect my rights as a consumer.

Also I would need a letter of notification of deletion so that I can send to the other consumer reporting agencies for immediate removal please send letter to my email XXXX Thank you for your cooperation. 

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

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME ALSO CREDIT CARDS WAS ALSO OPEN AND THE PERSON ALSO RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Debt collection

XX/XX/2024 XXXX XXXX LOCATION INFORMATION : XXXX XXXX XXXX, XXXX, GA XXXX ACCOUNT # : XXXX Dear XXXX XXXX XXXX, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY. 

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING. 

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL AND THE FTC. 

THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Product: Credit card

XXXX  CHARGED ME {$53.00} ON XX/XX/2023. I DID NOT ORDER THIS. i CALLED THE CREDIT/DEBIT CARD COMPANY AND THEY TOOK IT OFF ON XXXX XXXX. ON XXXX XXXX THEY PUT IT BACK ON. AFTER 3 MORE CALLS TO THE CC COMPANY THIS IS WHAT THEY TELL ME. IT WAS MY EMAIL, MY IP ADRESS AND IT WAS A RENEWAL. GREAT LET THEM SHOW THE ORIGINAL CHARGE ON THE ACCOUNT, BECAUSE THERE IS NONE. THEY HUNG UP
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont understand how these people are getting ahold of my credit information. I NEVER had a XXXX account a day in my life so i Don't know what this Collection is about. The other 2 accounts XXXX and XXXX XXXX XXXX are linked to addresses that I've never heard of nor lived at in my life. I have lived at my current address since 2016 and i am still a current residence. Also Inquiries from : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Seems like someone is trying to use my credit to shop for a car. I am not looking for a car at the moment. Please delete these inquires as I did not apply for ANY of these accounts
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have items left that needed to be removed. This is my newest complaint that I am a victim of fraudulent activity and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any items in my credit file that resulted from an alleged fraudulent activity : EXPERIAN 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts are a mystery to me. Attached in this letter was my new FTC report with numbers XXXX and XXXX.
Product: Vehicle loan or lease

State farm bank has a ten day grace period before a late fee is charged. But each time I go to the website, the late fee is applied the before the late payment is due not the late due date shown on their payment coupon. I've tried to correct this time and time again. One time, I sent in an extra payment, they applied a late fees to that. My payment is due on the XXXX but according to the coupon, late fee is not assessed until the XXXX, XXXX and sometimes as late as the XXXX of the next month. However, when you go to pay, the late fee is there on the XXXX of the month. I'm now faced with paying these erroneous fees to get my car title. It's frustrating
Product: Credit card

I opened an account on XX/XX/year>. I made a purchase on a promotional account for {$16.00}. I did not receive a statement. However, I previously had a Victoria 's Secret card so I was able to pay the balance in full. Later, I received the card in the mail and decided NOT to activate it. I then months later in XXXX received my XXXX statement indicating although my payment was received in full, they were charging me a late fee and interest. The statement shows NO PURCHASES. It also shows my payment of {$16.00}. I called the company and told them of the errors, that my payment was on time and so there should not be any interest charges or late fees. I told them to send me proof if they are not going to correct the errors. I also told them to please investigate for fraud because I had not activated the card and had not used it. They never got back to me on the results of any investigation.
Product: Credit card or prepaid card

Tracking pixel All emails from this company contain tracking pixels. Also known as web beacons, theses secretive codes are embedded in all service emails and are designed to collect IP address, device and browser details, time, emails forwarded to, their private info etc. Unlike cookies, there is no request for customers ' consent, and prior privacy disclosure is ineffective as per all privacy laws. After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with reasons and optout options. After complaints via public boards, only things I heard are PR statements such as reference to privacy statements and ultimatum about unwillingness to remove secretive trackers.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, which I recently obtained. After a thorough review, I have identified several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) and other relevant statutes, such as the Truth in Lending Act ( TILA ) 15 U.S. Code 1666 ( b ) regarding billing errors.

Under TILA 15 U.S. Code 1666 ( b ) billing error, I observed the following violations : Failure to Reflect Payments on Statements : The creditor failed to properly reflect a payment made by me, resulting in inaccurate reporting on my credit statement. 

Computation Errors : I identified computation errors and similar accounting errors by the creditor on my statement, leading to inaccuracies in the reported information. 

Furthermore, it has come to my attention that the creditor did not provide a statement 21 days prior, as required by law. As a result, any reported late payments are deemed invalid, and I request substantial evidence from the creditor to substantiate these claims. 

Moreover, my right to privacy, as outlined in 15 U.S.C. 1681 Section 602 ( A ), and the requirement for written consent under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) have been violated. I insist on a thorough investigation into these matters.

According to the FCRA 15 U.S.C. 1681, any unproven, non-compliant, incomplete, untrue, incorrect, or unverified aspects of alleged derogatory accounts must be promptly rectified, or the accounts in question should be entirely removed. The following inaccuracies should be addressed promptly : Account : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Status : Account charged off. {$8300.00} written off. {$12000.00} past due as of XX/XX/2023. 
Account : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Status : Closed. Balance : {$1600.00}. Past due information is inaccurately reported. 
Account : XXXX XXXX  Account Number : XXXX Account Type : Credit Card Status : Paid in settlement. {$740.00} written off. The payment history is inaccurately reflected. 
Account : XXXX XXXX XXXX Account Number : XXXX Account Type : Unsecured Status : Paid in settlement. {$2200.00} written off. The payment history is inaccurately reported. 
I demand that these discrepancies be promptly corrected or deleted from my consumer report. Failure to comply will leave me no choice but to seek monetary compensation for the violation of my rights under 15 U.S.C. 1681n civil liability. This matter has already been reported to the Complaint Portals for the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

I expect your immediate attention to this matter and appreciate your prompt resolution.
Product: Mortgage

URGENT!!!!! SALE DATE TOMORROW FRIDAY XX/XX/2019 I am a crime victim. My home was stolen through a title crime by two time felon XXXX XXXX XXXX through a forged Deed transfer which took title out of my name. XXXX was arrested on XX/XX/2019 in XXXX County for Mortgage Fraud and is currently in jail awaiting sentencing because he could not meet his bail of $ XXXX. I was in the middle of a loan modification and error process when my servicer Bayview Loan Servicing , LLC abruptly stopped it and dual tracked me to a foreclosure sale, for lack of holding legal title, knowing it was a criminal that stole my title. They are well aware of this title crime yet continue to conceal it in order to pass it off as a marketable title foreclosure sale. It DOES NOT have marketable title as it is tainted by forgery. This is a federal crime. Under legal statutes they are required by XXXX to report this in a Suspicious Activity Report ; Not use it to their advantage. My title shows XXXX XXXX, alter ego XXXX, as owner. They are not only aiding and abetting but they are selling a property that has been used in a crime to an unsuspecting buyer at a foreclosure sale.
Product: Consumer Loan

I just became past due on my loan today, and this is the XXXX month. I called the company both months to let them know I couldnt pay.They have my phone number & told me couldnt get ahold of me because my mailbox was full.which is untrue! Plus kept calling my references which I told them to stop.The girl on the phone said they have to continue to call until its paid but I asked why if I already called them to let them know I could n't pay.
Product: Mortgage

Wellsfargo illegally forced me to pay them close to {$2000.00} dollars
Product: Payday loan, title loan, or personal loan

I have taken a loan from an online app named " XXXX XXXX '' of XXXX XXXX on XXXX XX/XX/XXXX which was due on XXXX XXXX but i repaid the amount on XXXX XXXX only as per their guidelines. Now as i have repaid the loan the company is denying of the repayment received. And also have not updated their system. They are sending fraud message to my contacts with my XXXX image attached. I made the repayment in XXXX installment XXXX and XXXX, on their XXXX XXXX- " XXXX XXXX XXXX '' registered as " XXXX  '' but the whole amount is paid. And now all the numbers have been turned off also no response is coming. And the overdue charges are being added even after repayment. They are demanding for repayment again and also threatening for the police complaint. Now the app is been deleted from playstore and also no customer service is working. They have the complete access of my contacts list. 

The customer service numbers are XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX My contacts have received messages from the number- XXXX I complained about it to the XXXX  company they said its not our issue try to contact merchant. Merchant, i.e. the loan company said we have not received the payment how will we refund you or update your payment. But the money is debited from my account also i have the proofs that i have sent the money to their XXXX XXXX
Product: Credit card or prepaid card

I was really surprised when I found a late payment [ XX/XX/2017 ] on my credit report. 
I don't know how this has happened. I make my payments to you when I receive my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : Village Capital and Investment Account Number : XXXX On XX/XX/2022 a late payment for XX/XX/2022 was placed on an old account that has been closed since XX/XX/2022. XX/XX/2022 the home was sold and paid off in full. I called to have the company remove the payment and I was referred to a department with no phone number and who only takes emails. I am in the process of getting ready to purchase a home and the incorrect information is hurting my credit score. It dropped my XXXX credit score XXXX points! I havent had any financial obligation to them since XX/XX/2022! I have documents I received from them showing the payoff.
Product: Credit reporting or other personal consumer reports

Have consistently asked for debt validation Experian responds validated but does not send information what was validated and how. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these have been over 7 years deleted on credit file and re inserted with new dates. This has been done to all 3 credit companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below )
Product: Checking or savings account

I have had a XXXX checking and savings account with Capital One for years. When I turned XXXX, I applied for and was approved for a credit card with Capital One. I activated my credit card on XX/XX/year>. However, when I tried to open an XXXX savings and checking account on the same day I was told that Capital One could not verify my social security number and in fact it was linked to another person. That night Capital One restricted access to all of my accounts so I was not able to access any of my money. I confirmed with the Social Security ( SS ) Administration Office on XX/XX/year> that I have the only SS card and no one else is linked to my SS number. I also have a passport and have filed taxes and have W-2 in my name and in my SS #. When I recontacted Capital One on XX/XX/year> with the SS Admin information, I was told the only way to resolve the difference was to come into a branch. Unfortunately the closest branch is XXXX hours away ( XXXX hours round trip ). My only recourse was to close my accounts and transfer the money to my mom 's account. The customer service representatives were not very knowledgeable and kept transferring us to different people to try to resolve the problem. We spoken to at least XXXX people to try to resolve the issue. This problem is still not resolved because Capital One has opened another account for another customer with my SS # and would not help us to resolve this besides saying you must come into a branch.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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