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

American Express recently updated the annual fee for it's Platinum Card and added multiple new benefits, including a $ XXXXmonth statement credit for purchases on certain streaming services ( including XXXX ). My annual fee for XXXX was charged to my Card on XX/XX/XXXX. I did not receive my statement credit for my XXXX charge in XXXX, because apparently you have to complete a one-time enrollment for this $ XXXXmonth statement credit, that I was not made aware of by Amex. The advertising I saw never had any mention of enrollment and you certainly don't have to enroll in the new higher annual fee. I did notice it myself on XX/XX/XXXX, and enrolled, and it was mentioned in my XXXX statement ( dated XX/XX/XXXX XXXX, but I received no notice prior to XX/XX/XXXX or making the charge. This enrollment is definitely not necessary and serves no purpose other than to prevent consumers for accessing this benefit to prevent having to actually pay out a new benefit. Failing to communicate it to consumers on top of that is clearly a deceptive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and the accounts that I have forwarded for verification have not yet been verified, please verify these accounts XXXX XXXX Balance : {$470.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX account # XXXX amount {$580.00} open date XXXX XXXX last activity 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
Product: Credit card

I was contacted today by this company about a debt from 2018 I informed the lady that I was told this debt is time barred in my state of Kentucky because it's over 5 years and it was a department store card. She told me she didn't think that that was correct and that she would have to talk to her supervisor to find out if it could be time-barred based on my home address. I then asked for her to put a cease and desist on my record and that I would appreciate no more call text emails or Postal mail. She told me that they would reply by postal mail and I asked her to please not do that and I tried to confirm that the cease and desist covered all types of contacting me. She told me that was also not the case that they could still mail me things even if I requested a decent desist. She told me that they would contact me after she spoke to her supervisor about the time bar debt and I again asked for them to not contact me but she was pretty adamant that they would in fact contact me again
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have a closed account from XXXX XXXX XXXX XXXX that is with the asset recovery department. I owe XXXX $ and I have left numerous voicemails, phone calls with no call backs and numerous emails. I am trying to resolve this account and pay it up in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the fair credit reporting act, BarclaysXXXX XXXX Account # XXXX has violated my rights by reporting late payments on my account ( XX/XX/60 ). 

15 U.S.C. 1684 Section 602 states that I have a legal right to privacy.

15 U.S.C. 1681 Section 604 Section 2 states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. Code 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

In XXXX XXXX XXXX I executed a mortgage between XXXX XXXX XXXX  and myself. Eventually, XXXX XXXX XXXX  took over XXXX. In XXXX, the Bank of New York attempted to foreclose on my home based on falsified paperwork and fraud in court. Bank of New York claimed that I owed approximately XXXX XXXX To this day, I am still facing this problem, and other banks have claimed that I owe them. This includes the Bank of New York. These claims are false and rest on falsified paperwork that occurred during the mortgage scandal in the late XXXX.
Product: Debt collection

On XX/XX/, I received a letter from REVCO Solutions Inc, XXXX XXXX Ohio- regarding an alleged outstanding balance owed to XXXX XXXX XXXX XXXX XXXX Tx XXXX for a total of $ XXXX from XX/XX/XXXX XXXX I emailed a response on same date XX/XX/ via email where I presented all docs showing that I do not owe any money to this Hospital since I did not authorize any type of medical services from them. I also specifically demanded a Cease and Desist action but this company kept contacting me via phone at all hours. 
I request from this company to rectify their error sending me a threatening letter to collect money that I do not owe based on evidence of no medical services rendered by their doctors XXXX XXXX ( ER Physician ), XXXX XXXX ( Radiologist ) and XXXX XXXX XXXX XXXX ; all of them provided {$0.00} balance statements. 
It is a shame this company REVCO Collection Agency invested on a bogus outstanding balance portfolio from this Hospital based on unauthorized medical services allegedly provided.

As I requested before, I request a Cease and Desist from this company and to update their systems by dismissing alleged outstanding balance.
Product: Debt collection

I received a call from a collection company called Hunter Warfield about money owed to a previous home I was renting at XXXX XXXX, a property of XXXX XXXX XXXX They said that I was put in a collection because XXXX XXXX identified damages after I had left the apartment. I never received information about money owed from XXXX XXXX because they said that they were sending in to my old address at XXXX XXXX, while clearly I had moved out, hence the amount they said I owed. Hunter Warfield contacted me on XX/XX/2018, telling me that they will not remove this from my credit report even though I had not received any information. The amount was about {$490.00} dollars. 

The first I had ever heard about this debt was once it was put in collections, and I feel like I was not given proper notice.
Product: Money transfer, virtual currency, or money service

XXXX does not disclose transfer schedules and wait times to transfer money in and out of account clearly. They hold onto money for unnecessarily long periods of time and cause financial harm by not having a system that operates continuously or reliably and has no customer support available. There system has many outages and problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my account in 2011 why is it still reporting to all three bureaus. This company refuses to remove the reporting of this old account. Why do they have the right to hold an old account such as this still reporting?
Product: Debt collection

Common Wealth Financial Systems XXXX XXXX 2017 {$51.00} They told me over the phone that the account was not mine after them verifying it was not my account. They ended up removing one account and forgot to remove this one. So I called them again and they told me to send them verification of identity theft which I did and they said they would take care of it and remove it. Now I have the credit burea say they denied my request which they ORIGINALLY AGREED and verified it wasnt mine to begin with. I have emails and they should have notes i the system and recorded calls of original agreement about it not being my account. Please have them remove this as I am STILL FIGHTING IDENTITY FRAUD
Product: Credit reporting or other personal consumer reports

Im reaching out regarding an account listed on my credit report that I believe contains incorrect information. After reviewing the details, I can confirm that I have no knowledge of this account and did not authorize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

Wells Fargo cashed a stolen check without verifying. The check belonged to me but I do not have a Wells Fargo Account nor did I ever have one. 
I made a police report. With copy of police report and copy of the back and front of the check in hand, I went to Wells Fargo Bank located at : XXXX XXXX XXXX XXXX XXXX, Ca XXXX I asked to speak to a Manager but was denied. I explained my situation but was turned away and was told they could not help me because I was not a customer and did not have an account. I was told to call the " XXXX XXXX number ''. 
When I called Wells Fargo, they told me the same thing, I did not have an account.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

A year ago I ordered a cash app card. The card came but I was unable to activate.Contacted company they asked me to send in verification of my address. I've sent verification 4 times. I never get a response after I send verification and They still will not activate the card.
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 undeXXXX XXXX XXXX XXXX 

Account name XXXX XXXX Account number : XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX Account numberXXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

Upon further review it has come to my attention that I have been victimized by identity theft and there are currently two fraudulent accounts and four UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX ran it twice on two separate occasions, XXXX and XXXX to all three of the credit bureaus. I have filed a police report with the XXXX Police Department and submitted a complaint the CFPB Consumer finance protection bureau. I am currently disputing these accounts with all three Credit Bureaus as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts and information in question are as follows : XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Debt collection

I am writing this letter to express my absolute dismay and frustration upon discovering inaccurate and damaging information on my credit report. It has come to my attention that there is a charge-off account listed, as well as potentially fraudulent accounts, negatively impacting my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

Failure to address this matter with the urgency it demands will leave me with no option but to seek legal recourse to protect my rights and rectify the damage caused by these inaccuracies. 

I have enclosed supporting documentation, including proof of payments and any relevant correspondence, to assist in your investigation. I trust that you will handle this matter with the seriousness it deserves and act promptly to correct these errors. 

I demand that you treat this dispute with the utmost urgency and prioritize its resolution. Your immediate attention to this matter is not only legally required but crucial to restoring the accuracy of my credit report.
Product: Checking or savings account

I am writing to complain about the unethical sales practice of this financial institution. 
I opened my account when it was Onewest Bank with the banker, XXXX, at the XXXX branch to help with her deposit goal a couple years ago. During account opening, I asked if there would be fees on the account and she told me not to worry about it. I never received bank statements for this account and thought she would take good care of my account. Last XX/XX/XXXX, I thought of using the remaining funds in this account for property tax payment. 
Since I lost my access to online banking after the merger, I called Customer service to try resetting my online banking. There was a system issue and the person on the phone was not able to reset online banking for me. Instead, he provided me the account number and routing number so I can use the account for ACH payments. I confirmed with him that my account would be fine/no fee after the tax payment of {$10000.00}. 
After several months, I decided to use the account for a card payment on XX/XX/XXXX. To verify if the payment applied, I called customer service again on XX/XX/XXXX. The representative helped me reset online banking and I noticed there are multiple XXXX XXXX/monthly charge on my account since XX/XX/XXXX. After an hour of research by the phone representative, she finally found out the charges are costed by the balance requirement. She agrees that the charges are not ethical and should be taken care of but unfortunately, she has no access to service this account as Trust account must be handled by the local branch. 
Since the XXXX branch is closed after the merger, I went to the XXXX Branch and spoke to the bank representative. She mentioned that there is no authority limit to credit these fees and sincerely apologize for the how unethically the banker setup the account. She spoke to the branch manager and suggested me to send her an email regarding the complain. I sent her the email regarding the fees on XX/XX/XXXX and I thought someone would handle it. I waited over a month and decided to go to the branch and close out the account today. 
These fees should never occurred if my online banking does not have issue due to the merger and how I did not have access to my account since the merger occurred. When I called customer service, I would expect he would be knowledgeable to explain the account requirements/possibly down grade my account so these {$300.00} in fees would not happen. The local branch should be handling the complain and escalation since XX/XX/XXXX but no one at this bank cherish a client relationship but opening account unethically to meet their goals. I am super disappointed how First Citizen Bank handles legacy OneWest Bank account and glad that I would never do business with this bank.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in 60 days to be removed.

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 before the payment due date. XXXX 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 before 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! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Resolution Services is attempting to collect a debt that does not belong to me. Account Resolution Services is reporting a delinquent collection account to XXXX XXXX and XXXX that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately. 
I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail on XX/XX/2021, as well as faxed them a copy the same day at XXXX ( See attached confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Account Resolution Services. I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you.