23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had been calling Amex for months to say that a charge ( {$5.00} ) was being billed every month by a company that I did n't recognize. Every month, they would say that they would credit me the funds and the vendor would be blocked from charging further. Every month, I would need to call back. This morning, I called to try to resolve the issue once and for all. I spoke to 17 people from the XXXX to XXXX to XXXX. As always, their front line personnel had made an error and no one has been willing to resolve the issue. I made 47 attempts today alone and I was either disconnected or told that there was nothing they could do. They claim that they do n't keep notes from previous conversations. Basically, they are blackmailing me - I must pay my bill in full, but there is no room to discuss the fact that there was a huge error with my account. The agent cancelled my card after she specifically told me that she would n't and refused to provide a replacement card. Her comment was that " I should n't have complained about a {$5.00} charge if I did n't want to be inconvenienced. '' It ca n't be that they can bill you for anything and everything, you have no right to dispute and then if you do n't pay your bill, they ruin your credit. This is a distinct pattern with Amex - all calls go overseas, the front-line personnel are not professional, do n't understand what you are saying, continually make mistakes and provide customers with erroneous information and then a customer has no where to go to lodge a legitimate grievance or complain. I have also tried going on-line with a customer service agent. The response was that " they could n't assist me - I should call! ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to TransUnion demanding the removal of a record reporting on my consumer report as " XXXX XXXX XXXX Florida ''. According to the USPS, TransUnion received this notice on XX/XX/22. TransUnion completed its investigation stating that it " Verified '' the reporting record as accurate. I did not request for " Validation '' of this record TransUnion. In my letter, I requested the removal of this record from my consumer report because it violated 5 U.S. Code 1681b ( 2 ) with the written instructions of the consumer to whom it relates. I did not give TransUnion or any of its " Public Record Vendors '' permission to obtain or use my " Personal Information '' to report any cases to my consumer report. Therefore, TransUnion has committed " Aggravated Identity Theft '' in accordance with 18 U.S. Code 1028A knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person. I spoke with XXXX XXXX In TransUnion 's legal department at phone number XXXX. She stated that " We are in our legal grounds with your file, I am not sure what you are finding on the internet ''. And that I was more than welcome to file a lawsuit.
Product: Checking or savings account

On XX/XX/XXXX I contacted Chime bank about an erroneous charge on my account in the amount of 300.00. Chime told me that the reversal was made but that it would take 4-5 business days for it to reflect on my account. On Monday XXXX my account was still negative with no reversal of the charges. Contacted them again and they have now claimed that the insurance company XXXX has not refunded the money even though I was told on XX/XX/XXXX that they had but I had to wait the 4-5 days for it to show. I am now on day 7 with no access to my account. Auto debits from other merchants are being bounced due to Chime not reversing the charges when they said they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter via certified mail to Experian requesting method of verification for the 4 bankruptcies # XXXX, # XXXX, # XXXX & XXXX reporting on my credit report. On XX/XX/XXXX Experian sent an auto generated response which did not address my request. In my request sent XX/XX/XXXX, I specifically requested they did not reply with the typical response and requested the exact method that was used to verify the bankruptcies. 
On XX/XX/XXXX I responded to the auto generated response with the enclosed letter and again requested the method of verification for all 4 bankruptcies. 
To this day, I have not received a response from Experian but I have obtained the enclosed copy of my dispute results for another item and as of XX/XX/XXXX, this report shows all 4 bankruptcy dispute results pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about 2 issues with Experian not having my writing instruction to report items on my consumer report & Experian reporting incorrect information on my consumer report. 

This section is very clear that Experian must have my written instruction. And they dont have my instruction to report XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, or XXXX on my credit 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Secondly, Experian is reporting XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, or XXXX on my consumer report as Charge off 's after they file 1099C. Charge off is defined as Gross Income by IRS. And they have already received income from IRS for the alleged debt. And income is not suppose to be reporting on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is older than 5 years. I have not spoken to anyone regarding this account and noticed there was a hard inquiry completed without my knowledge or consent. I just happen to receive a notification form XXXX XXXX that there was a change in my my credit report. I noticed they have changed the date of the account as if it's new and looks like the same company that has the account in collections was the one company the run my credit without my authorization.
Product: Money transfer, virtual currency, or money service

I 'm being blocked from transferring funds to an established cryptocurrency exchange.
Product: Checking or savings account

On XX/XX/2020. I randomly received a text from a claimed caller ID TD Bank said Fraud Alert about a transaction for {$500.00}, I denied acceptance. Then I immediately received a call from TD bank # that someone was trying to take money & they would stop on their end. They sent me a XXXX request & told me to hit yes. It concerned me, but I did because it was the " BANK '' They did this for 2 transaction {$600.00} & {$400.00}. I called Bank, then I Filed a police report once I checked my account after the weekend and realized they didn't stop, but took money. The bank gave me a provisional credit, then took money back in XXXX because I hit Yes for XXXX. This was a Phishing Scam. I did because I thought I was speaking with Bank & Trusted. I feel so violated and this has never happened to me before. I am not liable for this money.
Product: Prepaid card

I XXXX XXXX XXXX XXXX and for doing that they give you a prepaid debit card and this debit card is from XXXX XXXX XXXX When I go to get cash out of an ATM machine and after specifically me looking to make sure the ATM machine I go to is a XXXX XXXX XXXX XXXX debit card, ATM machine and there will be no service fees for my transaction. Every time I use one of these ATM machines that are supposed to be free service fees, I am being charged a service fee and even when I do put my card into ATM machine I don't even get a warning that I am going to be charged. I automatically get charged a fee and then wondering why my transaction declines. I try multiple times and after every decline I am charged again without warning. I feel this is a sneaky tactic and a scam that they do know about because when I put my other debit card in the ATM machine it automatically tells me that they are going to charge me a fee. So I am requesting the debit card company to refund me all my ATM transaction fees due to their scamming purposes. The internet says allpoint ATM machines and region Banks are free ATM fees and I even looked on their app to make sure I go to the correct ATM machine for free ATM service fees. I have numers fees that I would like to be refunded due to their tactics.if you look at my activity they make it seem like I'm able to withdraw, then take on retail fee which then decline, it's all confusing.which is suspect to me along with other issues.thank you for your help.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXX - XXXX Last XXXX digit of XXXX : XXXX
Product: Credit reporting or other personal consumer reports

My account with those creditors 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 those account 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.

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

Someone has taken complete control of my identity. I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report. I have not applied to any of the companies that is on this report and not sure who has my information or how they got it. I have been calling the credit bureaus explaining this but as of today they have not been any help. Please Please Please help me take my life back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Debt collection

XXXX. XXXX, XXXX placed a collection on my credit reports without sending me any notifications therefore I was not able to dispute. This is a violation of 15 U.S. Code 1692g - Validation of debts. this states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. However, they have failed to do this and are in direct violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX show debt by XXXX which is outside the SOL for the state of California.

The SOL for California is 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from  XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report To : Equifax Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

I recently reviewed my credit report and noticed an account that was not reporting accurately. Specifically, I had 1 late payments on an account ( XXXXXXXX XXXX XXXXXXXX ) that, in fact, were paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never been late on payments. 

I have attached a copy of my report highlighting the disputed payments on the following dates : ( XX/XX/year> ). I kindly request that you investigate this account and update the payments to " paid on time '' immediately. Thank you for your understanding and prompt action. 

Additionally, I request that you provide a description of the procedure used to investigate and verify this account. If you can not update the payment status to reflect " on time, '' please provide the required documentation and explanation. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms. 

Per 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between the consumer ( me ) and the entity ( you ) making the report. Payment history, including the reported late payments, negatively impacts my consumer report and is considered part of my transactions and experiences with your company. 

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 U.S.C. 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



Bankruptcy XXXX XXXXXXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I visited an XXXX store in XXXX, New Jersey. I was interested in financing the purchase of a new XXXX. I submitted an application, however, the application was declined. I received an email from the bank informing me that there was unsatisfactory experience with a creditor. upon checking my XXXX XXXX report, I have noticed that there are a total of XXXX negative marks on my credit file. I submitted a complaint against XXXX XXXX for an accurate information. On XX/XX/XXXX, I spoke with a representative from the bank, who informed me that XXXX held the specific information, and that I would need to deal with them. I again reviewed the information contained in my XXXX XXXXXXXX file for XXXX and found no negative information. As a consumer, it is very disheartening to find out that there is information being hidden from me, and is causing me to be declined for credit. on previous occasions, I have asked each of the credit bureaus to provide evidence of a valid negative XXXX, to which they have either not responded, or simply not provided the requested information. as a consumer, it is extremely frustrating to know that I have to continuously pay for credit monitoring services, or the ability to receive my credit report, in order to receive all information. The credit bureaus claim that I have the right to know what information is in my credit file, so why is information being hidden from me, or being placed behind a pay wall. According to my XXXX XXXX file, I have no late payments with any financial institution. I have a 100 % on time payment history with all of my creditors.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and TransUnion has ignored my demands per my federal consumer rights to remove incorrect information from my credit report. I have tried to dispute this with TransUnion twice now with no avail. 

I sent them an identity theft report from the Federal Trade Commission included with a letter to remove fraudulent information on my credit report on XX/XX/24. They did not update my credit file within 5 business days as being under dispute, violating 15 U.S. Code 1681i. Then a week later, I filed the same dispute within their online dispute center on TransUnion.com, and they still failed to remove the fraudulent XXXX  XXXX XXXX and XXXX XXXX accounts from my credit report. 

I decided to try again by enforcing my consumer rights under 15 U.S.C. 1681e ( b ) which states consumer information must be reporting correctly across all XXXX CRAs, which it is not currently, given that I have these fraudulent accounts on my credit report. 

I mailed this dispute letter on XX/XX/24 and followed up with the same information submitted on their online dispute portal a few days later. I have not gotten a resolution on this issue yet but I am not confident they will remove these accounts from my consumer credit report. 

I am demanding that they finally remove these XXXX ( XXXX ) fraudulent XXXX  XXXX XXXX and XXXX XXXX accounts from my consumer report since they have repeatedly continued to violate my federally protected consumer rights even after I have tried to resolve this issue with them multiple times.
Product: Checking or savings account

They have ignored and refused to reinstate funds they gave access to!!! Checking and savings accounts totaling {$9.00}, XXXX were dispensed!!! THEY REFUSE TO DISCLOSE TO WHO AND WHY THEY DID SO, WHEN THEY WERE ADMONISHED TO BLOCK THE ACCOUNT AND NOT DISPENSE ANY MONEY AS PER PROBATE REQUISITE OF THE COURT.
Product: Credit card or prepaid card

XX/XX/2021 XX/XX/2021 {$2.00} INTEREST CHARGE PURCHASE XX/XX/2021 XX/XX/2021 {$40.00} LATE PAYMENT CHARGE XX/XX/2021 XX/XX/2021 {$99.00} ANNUAL FEE destiny credit card company charged me all the above fees, i never used this card after last payment i requested to close the card and now it is messing is up my credit score and when i called to close my card and to clear my charges. the company is not helping out its really a big SCAM going on
Product: Payday loan

I received a payday loan for XXXX dollars. I was not sent the contract terms, and I was n't called by a representative to explain the terms. It turned out that the repayment was on a schedule I could not keep up with, and when I asked the lender to adjust the schedule they refused, while informing me that there would be a XXXX dollar finance charge for each missed payment. For me, that meant that I would never be able to pay this loan off. Now I am receiving harassing phone calls at work from a representative who tells me that it will cost XXXX dollars to pay off this loan.