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

American Express markets the American Express XXXX Business Credit Card as {$95.00} per year with a benefit of receiving 1 Free Nigh Award on your Card account anniversary. However, American Express has changed their terms and conditions to state that the benefit will be issued XXXX after the card account anniversary at which time the customer is also responsible for paying an additional membership fee of {$95.00}. This fee is not refundable after 30 days of being issue thereby requiring the customer to spend {$190.00} to obtain a benefit for the prior year which is false advertising and consumer fraud. 

Description Per Amex Website : Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $ XXXX in purchases on your Card in a calendar year. Awards can be used for one night ( redemption level at or under 35,000 XXXX XXXX points ) at a participating hotel. Certain hotels have resort fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was contacted by XXXX with letter dated XX/XX/2022 on potential ID Theft by someone opening an credit card account using my identification. I confirmed that I had not opened the XXXX account in question and confirmed that the Texas address used in related hard inquiries was fraudulent. In letter dated XX/XX/2022, XXXX reported to me that the account was found to be fraudulent and had been closed and they said that they would send updated information to the credit bureaus to update their information ( e.g. delete fraudulent Texas address ). 

On XX/XX/2022, I began to contact credit bureaus to verify that the fraudulent Texas address had been removed from my credit information. After verifying my identity, XXXX said that they deleted the Texas address right then. Equifax, however, said they could not change the information, even after verifying my identity.
Product: Credit card or prepaid card

In XX/XX/XXXX I had just returned home to XXXX from XXXX ( I served over there for a year ), and was newly separated from my husband. He had moved to XXXX XXXX  just prior to my return. Around that same time, I called Citi Card multiple time advising them that my husband was estranged and may try to make fraudulent charges on my card ; at which point they told me they put a freeze on my card. My card was paid off at that time and I had a XXXX balance. In XX/XX/XXXX I filed for a divorce. I then moved to XXXX due to a military commitment. 

Around XX/XX/XXXX I received a few notices that my credit score had changed. Upon checking my credit score I discovered it had been lowered quite significantly. After further research I discovered there were {$1500.00} worth of XXXX charges on my CITI card between the months of XX/XX/XXXX-XX/XX/XXXX. I once again called CITI Card multiple times but they denied any responsibility. Despite the fact I was serving in the XXXX in XXXX at the time the charges were made ( XXXX doesn't exist in XXXX, XXXX ) CITI refused to assist in the matter. I had proof my husband was estranged, that I had filed for divorce well before the charges were made, and that I had called CITI in the fall advising them of my situation, however, they denied any negligence on their part and insisted I pay the balance. They admit I called multiple times in the fall of XX/XX/XXXX, and they also admit there was speculation of fraudulent activity, but they won't take responsibility for their representative 's negligence by not putting a freeze on the card after I was specifically told there would be.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting monthly on my credit report and this account has been charged off and closed in 2021. And I have not opened a new account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a call stating it was a collection agency. He left no name, no name of company, just a phone number for me to call. 
By the way, none of the Communication Tactics to choose from apply to me, but I had to choose one to continue. I received the attached letter later.
Product: Credit reporting, credit repair services, or other personal consumer reports

-Improper use of your report ( shared without consent, credit inquiries from unknown sources ) -Unable to get your credit report or credit score -Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) I have been working on my credit for the past year and a half and I am very proud to say that credit score for all three credit bureaus have really jumped up into the high 600 's. However every time I apply for a car loan I am denied. It is due to the company Sage Stream LLC reporting incorrect information and saying that my credit score is only XXXX. This is very disappointing and unprofessional as they say they work very closely with the three major credit bureaus however the information the release of me does not reflect that and it is causing damage and false information on my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account that is reporting on my experian credit report. The account is XXXX XXXX XXXX XXXX XXXX fl XXXX. This account to begin with was paid back in XXXX of 2014. For some unknown reason since they went out of business it has been reporting as a charge off. I have made phone calls/letters/ etc to try and correct this information and have it deleted off my report as it is affecting my credit score in a very negative way and affecting me in obtaining substantial credit. XXXX and XXXX  has deleted it since but experian is still reporting it. I tried to re-dispute it online again with experian but the system will not allow me to do so. I am furious that this is still reporting and the information is completely wrong. I am submitting this complaint on experian credit reporting agency because they fail to do a proper investigation because if they did they would have received confirmation that this account should be deleted off my credit report. If XXXX and XXXX deleted it so should have experian.
Product: Mortgage

In XX/XX/XXXX, I was affected by the COVID-19 pandemic which resulted in loss of employment. I contacted my mortgage provider who allowed me to make partial payments. On or around XX/XX/XXXX, my client portal to make partial payments was disabled. 

On or around XX/XX/XXXX, I contacted Select Portfolio Servicing, LLC to ask about the client payment portal being disabled. I was advised that I could no longer make partial payments and only FULL PAYMENTS would be accepted from that date going forward. 

Select Portfolio Servicing, LLC placed me on a Forbearance. During the forbearance process, I made contact with the approved government organizations that were listed on Select Portfolio Servicing, LLC website for mortgage assistance. In XX/XX/XXXX, I applied for assistance with the Maryland Homeowners Assistance Fund. 

On or around XX/XX/XXXX, I was told verbally by a Maryland Homeowners Assistance Fund that I approved for a {$20000.00} Maryland Homeowners Assistant Fund Grant, which would be applied to my delinquent mortgage balance. Any outstanding delinquent amounts over {$20000.00} will be applied to the back end of my mortgage. However, XXXX XXXX Program was waiting for confirmation from Select Portfolio Servicing, LLC so XXXX XXXXXXXX could take this to underwrite. 

On or around XX/XX/XXXX, I received a phone call from Select Portfolio Servings to state that they have denied the Approved Government, Maryland Grant. 

Select Portfolio Servicing is only interested in having me take advantage of their IN-HOUSE financial solutions. 

On XX/XX/XXXX- Select Portfolio Servicing, LLC initiated foreclosure on my property, however, they allowed me to be placed on a 3-month forbearance beginning XX/XX/XXXX, XXXX. In XX/XX/XXXX, I was advised by Select Portfolio Servicing I was advised that I my mortgage loan was going to be placed in foreclosure status in XX/XX/XXXX ; however, once again, Select Portfolio Servicing placed me in another 3-month forbearance.
Product: Debt collection

Taylor Law , PLLC, Located in XXXX, XXXX ( They represent XXXX , XXXX collection agency ) has filed/threatened to file a lawsuit against me over a Time Barred debt. The original agreement was with XXXX XXXX XXXX and according to their credit card agreement it is governed under XXXX State Law. The statute of limitations in XXXX is three ( 3 ) years, which expired in XXXX 2014, and places their suit in violation of the Fair Debt Collection Practices Act.
Product: Debt collection

I have paid this debt, I pressured/threatened to pay the amount and was promise once I paid it, it will be removed from my credit, it is still on my credit
Product: Credit reporting or other personal consumer reports

I reject your decision to dismiss my identity theft claim. Who are you to determine whether I've been a victim or not? You lack the authority or legal standing to make such a judgment. If you persist in denying my claim, I will involve my attorney to pursue legal action. Ensure that my identity theft claim is processed in accordance with the law. I am providing you with a report from a legal law enforcement agency, filed with a federal entity. Let 's resolve this matter within the mandated 5-day period. 

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

The problem is on two sides. It rests with both XXXX and Ford Motor Credit. On the Ford Motor Credit side, they had not reported anything to my credit report since XXXX. However, I was trying to clean up my credit report and I noticed there was an unpaid debt on there from a totaled XXXX XXXX XXXX XXXX that I missed a payment on. 

After settling the debt with Ford Motor Credit in XXXX of XXXX, they didn't just report to XXXX that I settled the debt. They also reported that it was in a state of charge-off, which they had not reported for 4 whole years prior. This wouldn't ordinarily be an issue, except XXXX has taken it upon themselves to convince XXXX that this charge-off happened in the months of XXXX and XXXX of XXXX, which is wildly incorrect. This debt was owed for a very long time before I paid it off. There is no way it became charged-off RIGHT AS I PAID IT OFF. 

I have tried multiple times to dispute this with both XXXX and with Ford Motor Credit to no avail. With my last attempt to dispute this, I explained in a very detailed manner why and what was at issue to the XXXX personnel, and they said the report was updated BUT NOTHING HAS CHANGED. 

I have run out of options. Despite my otherwise decent credit report and attempting to do the right thing in this circumstance, the recency of this alleged charge-off has prevented me from obtaining any other forms of credit that I very much need to acquire ( an auto loan, and a debt consolidation loan- both rejected because of this erroneous and punitive charge-off entry in my credit report ).
Product: Mortgage

XX/XX/XXXX our mortgage company was XXXX who in XX/XX/XXXX sold out moftgsge to Rushmore loans our payment was XXXX from when XXXX did a mortgage analysis every XXXX now Rushmore has changed our co tract did another Escrow Anaysis in XXXX which just increased our payment XXXX dollars how can they change our mortgage contract we need help they are predatory lender that dont follow rules we need someone to step in and tell them that they have to go by the contract that XXXX  had by law and only do a escrow anaysis in XXXX/ XXXX the consumer is getting ripped off by these doings
Product: Credit reporting

I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that my education loans were always in deferment and that the balances were eventually taken over by another service agency, I have never made one payment ever to the FED Loan Servicing. This collection agency was only operating as a credit reporting process after the initial procurement of the student loans. The loans were financed privately. This negative reporting is causing me severe financial hardship. The same credit rating states PAYS AS AGREED, while showing an immediately 90-day late payment status while the debt obligations were deferred from payments. This is highly discriminatory. I am a professional XXXX woman and I find this type of credit reporting to be racially biased and I have zero chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against XXXX. I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.
Product: Mortgage

To whom It May Concern. I am writing this as an effort to keep my home. On XX/XX/XXXX, my husband was involved in a serious accident on his job. As a result, of this accident he was required to have XXXX. After all was said and done, he was unable to return to work. He is now needing XXXX on both of his XXXX  and we can't even afford that. This really was a burden on us because now we went from a two income household to one income.I have tried to the best of my ability to continue to make the monthly payments since then. But being the sole provider for my family and trying to maintain all the financial woes, I have fallen behind.I was unaware of any assistance programs that may have been available to me until today. My mortgage company also has not presented anything to me or informed me of anything that would help avoid the situation I am currently facing. I paid them {$600.00} on XX/XX/XXXX and I am only two months behind now.They stated that they can not allow me time to bring the account current and if I couldn't make the payment of {$1600.00} by midnight tonight, the foreclosure process would go into effect.This to me is ridiculous. This has been a big burden on me. My family will be facing yet another dreadful situation if we can't come to some type of agreement. One that will cause us to be homeless. What else is there left for me to do?
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to resolve the issue of fraudulent inquiries on my consumer report, but I have been unsuccessful. These inquiries are not related to me in any way, and I am not responsible for them. Their presence has caused me significant XXXX and financial distress. As a victim of identity theft, I may have to consider legal action if this issue is not resolved promptly. These inaccurate items have hindered my ability to purchase my dream home and provide for my family 's needs, significantly impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks a resolution.
Product: Debt collection

On XX/XX/2019 I sent Credit Acceptance and XXXX XXXX XXXX Company a dispute letter disputing the repossession listed on my credit report and requesting all documentation pertaining to the repossession. On XX/XX/2019, I received a summons to appear to court on XX/XX/2019, at XXXX XXXX. 

On XX/XX/2019, I contacted Credit Acceptance Attorney who is representing them by the name XXXX XXXX XXXX. I spoke with XXXX to see if I could get the court date changed due to me not receiving proper notices and short notice to attend court. I did not hear back from her so I sent a response to the complaint that was filed against me to XXXX at XXXX and XXXX via email at XXXX and handle delivered a copy of the response to the complaint to the State of TN , County of XXXX. Next, I sent a SECOND NOTICE to Credit Acceptance requesting the repossession information that's supposed to be provided to the consumer by law. 

We appeared in court and they reset the date to XX/XX/2019 at XXXX. The attorney 's for the plaintiff stated that they had already sent the information out to me but they did not have the correct address on file the first time according to XXXX at XXXX and XXXX who verbally stated that all of the information had been sent at the time of collection to the other address at XXXX XXXX XXXX but not XXXX XXXX XXXX. The court stated they wanted to give them an opportunity to send me that information. 

They are attempting to sue me for {$10000.00} plus contractual interest accruing 10 % totalling {$870.00} plus contractual attorney fees {$2200.00} for a total judgement amount of {$13000.00}. 

This is the second attempt and Credit Acceptance have failed to send me the information requested pertaining to the repossession listed on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate items on my Equifax credit report since XX/XX/2019. Aside from the fact that they have barely responded, or made any changes to the inaccuracies, I just received a letter stating that my social security number belongs to a deceased person. I reached out to the Social Security Administration and they assure me everything is good on their end. I am outraged that Equifax is making these bogus claims to get out of investigating my disputes and doing their jobs. I have included below the letters I've sent to Equifax as well as the letter stating my social security number has been compromised.
Product: Debt collection

The credit bureaus have removed the collection account from my credit file and it was deleted permanently but somehow it has been reported back again. 
This time I'd like to file the a report first with the consumer protection bureau so that i can get more assistance to fight back this fraudulent account My identity was stolen to open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ignorant applications of RESPA statutes to a all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to Transunion, XXXX and XXXX by XXXX, XXXX and XXXX XXXX.
Product: Debt collection

diversified consultants has a debt balance on my credit reporting showing i owe a balance of XXXX. I requested validation well over 60 days ago and never received validation of this debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX amount {$570.00}. I sent disputed letters to the credit bureaus for validation of debt. No response. 
XXXX, XXXX amount {$570.00}. I sent in dispute letters for the account and no actions were taken on my behalf.
Product: Credit reporting or other personal consumer reports

My information was compromised and used without my permission Lendly loan XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a new house. On XX/XX/22, a hard pull was done to see my updated credit reports. Since then, my phone has been ringing every 10-15 minutes from various mortgage companies with " better offers ''. I have asked them to stop calling. I am already working with a mortgage broker. I have found out that, when there is a " hard '' pull on credit, that the credit bureaus have " trigger '' calls with mortgage companies. THIS IS WRONG!!! This is giving my information without my specific consent and triggers a huge invasion of my privacy. I have disconnected all my phones. 
My mortgage broker has told me that there are lawsuits against the credit bureaus for this. 
Something must be done to stop this.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX - XX/XX/XXXX - {$19000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$7600.00} Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I failed to receive services from you guys Zelle never looked into my situation thoroughly so Im filing a complaint
Product: Prepaid card

Tried to use a gift card online. Through XXXX and through a company clothing shop. When I called Amex they told me the merchants didn't provide them with all the information for the purchase. When I asked what information wasn't provided they weren't able to tell me. They would not help. They kept repeating the same things that it was eligible to be used and the card was fine. 

Call date is XX/XX/2025, I spoke to XXXX.