23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against American Express due to their attempt to collect a debt not owed by me. When I called and advised the client service representative I expressly asked if what they were showing as a late payment ( which was 100 % erroneous ) was going to show on my credit report. The rep advised it was not going to appear on my credit report. Their representative in my last call advised the same. This constituted a bilateral agreement they have broken. 

I checked my account today and find that they did, in fact, report this as a late payment on my credit report. This is totally false. 

The bottom line is that this company accepted a payment as payment in full and then charged a service and interest fee even though they told me it was cleared. 

They advised, unsurprisingly, that they could not document my call in XXXX when this account was initially closed and paid in full. The actions cause me blatant damage to my credit and it was only after filing my complaint, it appeared. This shows that American Express acted punitively to my complaint in a willing and wanton manner with malice and forethought. 

Original Complaint : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed
Product: Credit card

In 2004 I created a deposit account with Wells Fargo at a Colorado XXXX location. The account representative offered a service for an additional overdraft protection credit card with the opening of my account. I partially competed the form and decided to forgo the overdraft protection credit card and asked the form to be destroyed. After I closed my deposit account with the bank I was notified that I had unsettled account balances on a credit card I never authorized. After much back and forth with various representatives the bank had agreed to drop the card and charges which were never authorized. The issue remained as a negative account on my credit bureau for many years. After hearing the unfortunate news that this has happened to others, I wanted to share my experience that predated the recent news article regarding the creation of false accounts and I highly recommend a more thorough investigation be performed as the issue has a longer history than what is currently known.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are using XXXX XXXX XXXX to collect, furnish, share, disclose, publicize, and report information about me that has resulted from Identity Thief as defined by 15 USC 1681a ( q ) ( 3 ) ( 4 ). 

I have a right to privacy per the constitution and the Fair Credit Reporting Act, and to breach my privacy you must have expressed ( written ) consent showing that I agreed to have my information shared. 

As a result of your actions, I have been deprived of my right of contract and credit extension due to defaming my character. Resulting also in a substantial loss of income. 

This is my second attempt advising of the defamation of my character and my right to privacy being disregarded. Unless you can provide me with PROOF that the original creditor had lawful authority and or consent in accordance with 15 USC 6802 ( b ) ( 1 ), to share my information with you, and PROOF that I was given the option to opt out of having my information shared, I demand that your company immediately Block and or Delete all derogatory marks from my consumer report ( i.e., closed accounts, charge offs, late payments, credit utilization, repossessions, collections and evictions ) within 4 days pursuant to 15 USC 1681c-2.
Product: Credit card

I am disputing the collection account with CITI account number XXXX dated XX/XX/year>, with a balance of {$4100.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CITI, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Mortgage

Bottom Line Up Front : PennyMac is Required to Manage my Escrow Account per the terms of my loan. I notified them on XX/XX/2018 that they had paid my taxes partially, but not in full. I gave them the correct amount and contact information for the county tax office. They chose not to pay them or inquire with the county tax office. They finally inquired after the taxes were late and paid them. The problem was the late payment incurred a {$170.00} penalty that they took out of my escrow account instead of paying themselves. I was promised in writing and over the phone that if the taxes were not paid on time they would be responsible not me. 

Crucial Point : Why was PennyMac suddenly able to determine they had paid the taxes wrong in XXXX after the taxes were due, but not in XXXX before they were due? Why didn't they take the steps I asked them to take on XX/XX/XXXX that they took on XX/XX/XXXX? 

Summary : I have a required escrow account for taxes and insurance on my PennyMac Loadn. On XX/XX/2018 I reached out to PennyMac by their online secure messenger. I informed them that my property taxes were not being paid correctly, what the correct amount was, and contact information for the county to fix it. I tried and tried to provide them a digital copy, but I could not get their website to work. OnXX/XX/2018 at XXXX EST ( XXXX ) I contacted PennyMac by phone and informed them I couldnt get the property tax bill loaded ( See page 7 of XXXX  Bill under call detail ). I was informed I would not be responsible for any late penalties and they would engage the county digitally and get the correct bill. After many phone calls after the bill was not paid at all on XX/XX/2018 I found out today XX/XX/2018 the bill was finally paid out my escrow. Additionally they paid the late fee out my escrow because it was paid after XX/XX/2018 ( {$170.00} ). Additionally on XX/XX/2018 I papered mailed them a copy of the property tax bill and they said they did not receive it.
Product: Credit card or prepaid card

Over the last 120 days American Express has emailed and mailed me over 17 notices asking me to apply for either the Delta Gold, American Express Green or the American Express Blue card. I have a credit score of over 734 with established credit card accounts with XXXX ( 2 ), XXXX ( 2 ), XXXX XXXX ( 5 ), XXXX XXXX, etc. Oldest credit card line is over 37 years old with no late payments. I believe American Express 's credit approval system is working in an opposite direction than their marketing process, thus misleading many consumers ... promising in their marketing materials you are " pre-approved '' and wanted by them but their electronic process has obvious errors built into their system. I want American Express to stop misleading the consumer with misleading marketing messages and have my application reviewed. 

I am a top loyalty program XXXX flyer with both XXXX and XXXX XXXX memberships. XXXX has told me I am flagged for special treatment if I file any complaints and that they want to keep my flying loyalty. I currently sit on the XXXX XXXX XXXX XXXX for XXXX and deal directly with XXXX and the local airport management as XXXX XXXX.
Product: Debt collection

My partner and I lived at the XXXX XXXX XXXX ( operated by XXXX XXXX ) from XX/XX/XXXX - XX/XX/XXXX. During that time there were many building violations ( i.e. no hot water ) and we received incorrect and/or late leases, often the building trying to charge us for amenities we did not sign up for. There were numerous building managers coming and going, and sometimes there not being a building manager there at all.

We always paid rent in full and on time for the four years we lived there. We gave 30 day notice before moving out ( which is acceptable by the Below Market Rate Program we were in ) and had a written agreement as to what would be deducted from our security deposit. Not only was the remainder of our security deposit NOT returned to us, but the management company decided to charge us for rent AFTER we moved out. We refused to pay ( wrote them to say this was incorrect ). XXXX refused and sent it to collections. We have been harassed by the collection agency and it has also negatively impacted our credit score. XXXX has done this to many people and there are several lawsuits and complaints against them. 

We have been battling this for many months now. We reached out to the XXXX 's office and contacted the XXXX XXXX XXXX 's office who tried to negotiate a mediation with XXXX. XXXX refused. We sent an email to the collections agency in XXXX to let them know this is incorrect and illegal. The collection amount ( with interest ) is now up to {$770.00}, per an email sent to us XX/XX/XXXX. 

We have more copies of emails which contain our names and personal info. Please provide a safe place to submit these documents and we will.
Product: Credit card or prepaid card

I used the card on Friday, XX/XX/XXXX to purchase hotel reservations online. It asked me to upgrade so I did, but then the window of time to cancel was shortened so I canceled the reservation altogether. The card had to have been open when I initially purchased the reservation because it let me book it ( it wasn't a pay later reservation ). 

After canceling the reservation, I logged in to my account to make sure that the transaction didn't go through and that's when I discovered my available balance was {$0.00} when it should have been around $ XXXX. I tried calling the company ( Comenity Bank ) 3 times to try to find out what happened and also sent and email. When I call I get an automated service that tells me my card has been closed by the bank and can not be reopened. 
I've never been late and if this was a suspected fraud they usually transfer you to the fraud dept and once they determine the charge legitimate, remove the hold. In this instance the account was just closed with no notification or explanation. 

This situation will impact my credit score since $ XXXX of available credit has been eliminated. I know that there are notification requirements and like I said even in a suspected fraud situation you have an opportunity to talk to someone to get your card reopened or a new card issued.
Product: Credit reporting or other personal consumer reports

I requested the XXXX XXXX to provide documents of the alleged debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the beginning of XX/XX/2023, I have requested that PenFed update my contact number in order for me to log in to my account and submit payment for my auto loan. I have confirmed every little detail of who I am, what, when and how much past payments were, etc. They refuse to update my information and as such I can not login to pay. They want to charge me an additional {$5.00} for each telephonic transaction ( which I refuse because they are choosing not to grant me access to my account ) and I should not be penalized because they refuse. I have approximately 64 emails from XX/XX/23 through the present date in which I have continued to request my number be updated. They wont do it with out having a copy of my phone bill - which they are absolutely not entitled to. They say they can take a copy of my ID- they have it on file and they know that. I submitted it over two years ago and the info has not changed. This is ultimately going to end up with my car being repossessed or my credit being ruined ( and Ive busted my XXXX over the past 4 years rebuilding my credit ). To let a power hungry bank have the ability to ruin what Ive worked hard for is not right. It would take all but 5 minutes for them to provide customer service and update my number. Its going on 4 months. This is asinine and Im not budging when it comes to providing them with a bill they have no right to have. I literally run a household of XXXX people on my sole income. The car is the only means of transportation we have. This needs dealt with and they need to update my number. 
They respond with " we offer multiple alternatives for making your loan payments, including mailing a check or making a payment by phone. We will continue to report your loan payment history accurately to the consumer credit reporting agencies. '' All they have to do is update my phone number instead of trying to ruin my credit. They've dropped it over 100 points over the last few days and that absolutely infuriates me. I had online access. There's no reason I shouldn't be given access to my XXXX account. It's MY ACCOUNT! THEY'D rather destroy a customer 's credit than update a customer 's phone number after 4 months of asking. The worst company I've ever dealt with is PenFed.
Product: Credit reporting or other personal consumer reports

There is a very anomalous and bizarre situation going on with my credit score. I have credit scores from XXXX and XXXX, but nor TransUnion. I do not how that is possible, considering they all use the same information. This situation affects credit reporting with other agencies and it has a damaging effect on my credit.
Product: Checking or savings account

I was a victim of a fraudulent transaction, I asked my local branch of Chase Bank, which I had maintained an account in good standing for almost 30 years, to provide me guidance with the transaction. At the time they failed to provide me with correct bank policies about availability of funds from a deposited check before I can make withdrawal from that particular deposit. This resulted in a loss of {$1800.00} from my account. 

I asked for bank manager and employees help with the matter. At this point, they provided me with the relevant bank policies for the first time, but also told me that they can not assist me any further. 

I believe none of the bank employees, including bank manager,  had been adequately trained to know exact bank policies and procedures, and only educated themselves after my loss had already happened. I also believe these employees were not fit to provide adequate service to the account holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : UTILITY SELF-REPORTED XXXX - {$81.00}. Inquiries : EXPERIAN XXXX XXXX XXXXXX/XX/XXXX, EXPERIAN XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, DISCOVER BANK Account # XXXX and XXXXXXXX XXXX  Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

Again, these accounts have violated these above rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account, XXXX has violated my rights Under the HIPPA Law, a HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not give permission 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction
Product: Debt collection

On or about XX/XX/2012 G.Reynolds Sims & associates P.C. filed a complaint against this consumer in the name of XXXX , XXXX in the XXXX district court of Michigan. 
G.Reynolds Sims & associates P.C., attached to their complaint, an affidavit sworn to by a lawyer from their firm and endorsed by a woman without an active notary commission with the State of Michigan. 
Michigan law prohibits lawyers or lawyers from a firm from acting as witnesses in cases they're litigating on behalf of clients. 
Michigan law further prohibits unauthorized use of a notary. 
This consumer is not certain whether it was actually XXXX XXXX XXXX that unlawfully notarized the affidavit or if G Reynolds Sims & associates P.C. unlawfully used her name unbeknownst to her. 

Nothing in the record at the XXXX district court of Michigan indicates that the plaintiff ever appeared in an adversarial process, YET THE DEBT COLLECTION ACTIVITIES CONTINUE TO THIS DAY. 

A collateral complaint has also been filed with the State of Michigan Office of the Great Seal.
Product: Vehicle loan or lease

I made 3 payments of {$420.00} each on the due dates for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The website showed most of the payments each month went toward principal, however I called XXXX today because the dashboard was confusing - indicating my payment of {$100.00} was not due until XX/XX/XXXX ( skipping XX/XX/XXXX payment ). According to the Rep and Manager, their computer did not show any pay-down on principal. Rather, it showed only paid-ahead status and told me that I should've called to ask them to apply the over-payments in a specific way. In no way or form was it ever communicated to me that I needed to do this extra step ( and each month going forward! ). Also, it is extremely misleading to show a pay-down on principal only to be inaccurate when I called. A normal and reasonable consumer would think the website is accurate and continue making payments, which is what I did until today ( via AutoPay ). 

For example, my {$420.00} payment for XX/XX/XXXX showed {$300.00} to principal and {$110.00} to interest. The XX/XX/XXXX payment had {$310.00} to principal and {$100.00} to interest. The XX/XX/XXXX payment had {$310.00} to principal and {$100.00} to interest. 

The manager attempted to fudge the simple interest loan information and claim that I did not know what I was talking about and it did not matter whether I paid in XX/XX/XXXXor all now, the benefit would be the same. This is clearly not the case because if the remaining principal was lower in XX/XX/XXXX, I would've owed less interest for the XX/XX/XXXX payment, and so forth.
Product: Mortgage

M & T Bank, XXXX. Contacted on XX/XX/20 at this number after contacting refinance dedicated number XXXX with automated response " MESSAGE CENTER FULL '' and disconnected. 
Initially after 45 min hold XXXX responded that he was only relay to Loan officer and hung up. Repeated tries, I was able to get XXXX of another Bank Department who attempted to onnect me with loan officer and failed. She arranged for 24 hr call back by a loan officer. Well, 24 hrs have passed nd no call. 
I bleive that M & T Bank is a debt collector and there is more incentives to get customers into debt than provide normal services. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account number # XXXX showing in experian does nt belong to me.I kept calling experian and filling dispute and they never fixed it and I never got any debt verification letter despite numerous attempts
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

This is my second complaint to the CFPB on the same issue. I have been trying to close a checking account with Chase and retrieve my money since XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received the check, which is in the amount of nearly {$2000.00}. The location of the money seems to be a mystery, even to Chase. Ive talked to endless customer service reps, visited 3 Chase branches, and even worked with XXXX XXXX XXXX  for over XXXX minutes. She could not navigate Chases back office to resolve the issue, nor can I. The bank contends that they sent the money around thanksgiving, but I did not receive it. I dont believe they sent it. Chase required that I find a notary and fax them an administrative form stating that I didnt receive the money, even though they contend that the check was never cashed. That was XXXX weeks ago and I still dont have the money. Can you please help?
Product: Credit reporting or other personal consumer reports

kikoff filed a dispute report on XX/XX/XXXX and told equifax reviewed it XX/XX/XXXX. 

XXXX reported that on XX/XX/XXXX Equifax responded This response is well past 90 days. I demand complete removal of the items disputed. 

I called Equifax and they denied ever receiving a dispute from me or XXXX. 

XXXX stands by their work and product saying they have ongoing communications with equifax. I need help getting to the bottom of it. 

XX/XX/XXXX : 29 days ( from XX/XX/XXXX to XX/XX/XXXX, inclusive ) XX/XX/XXXX : 31 days XX/XX/XXXX : 31 days XX/XX/XXXX : 5 days ( up to and including XX/XX/XXXX ) Total : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days ( well past legal to correct or report investigate etc )
Product: Debt collection

On XX/XX/XXXX we received a letter from Transworld Systems Inc. regarding medical services that we provided on XX/XX/XXXX. Transworld Systems illegally accessed HIPAA informations and collection data from one of their affiliates to resurrect a new claim ( this is now called Parasitic Debt Collection ). This fabricated claim is clearly attempted fraud by Transworld Systems Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th time contacting the CFPB and nothing is being done on my credit file. I have submitted several disputes to XXXX XXXX and Transunion as well as the collection agencies directly and no one is handling my disputes. I want these negative items deleted from my credit report today and I expect to have an updated report with these items deleted within 15 days ... The CFPB is suppose to govern these bureaus and no one is doing their jobs ... 

XXXX  XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX/XXXX  XXXX-XXXX-UNVERIFIED ACCOUNT XXXX  XXXX XXXX-XXXX-UNVERIFIED ACCONT XXXXNOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/XXXX