23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX  and Account name : XXXX 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 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 card or prepaid card

In XX/XX/XXXX I purchased a family vacation through XXXX on my Amex card for the amount on {$2200.00} In XXXX I paid the total amount of {$2200.00} via my XXXX XXXX account Due to Pandemic our trip was cancelled, and in XXXX of XXXX I reached out to Amex to get refund on trip. 

I was given a credit of {$2000.00} ( not full amount paid ). I did not complain because I had no intentions of using the card. 

XX/XX/XXXX Refund came in for XXXX XXXX XXXX, and XXXX XXXX, and my account was refunded {$1400.00} ( not full amount. This should have been {$1500.00} ). Once again I did not complain, because I knew process was not done. 

XXXX XXXX did not refund me the {$690.00}, but instead issue me a travel credit to use on future flight. 

After several attempts to get a refund with no success, I just agree to cancel disputes and accept the credit. 

However, upon doing so I was refilled in the process for 3 of these flights. 3 Flights for the total of {$410.00} ( each flight was {$130.00} ). I have reached out to Amex over a dozen times to inform them they are rebelling me for something that has already been paid for. 

I purposely did not make any charges over {$50.00} my Amex card during this time to keep things simple. I made all those payments on time, and have made no other purchases. 

I reached out to all Merchants involved, and everything leads back to Amex. XXXX stated Amex never acknowledged the Hotel Refund they sent back for {$410.00}. Also Amex representative I spoke with on XX/XX/XXXX stated she did not see a credit on the account for the 3 charges. Even though system say it was given. 

I do believe they are trying to fraud me of my money and I need help. I have all my receipts to prove this trip was paid in full a year ago, Amex isnt trying to own their mistake
Product: Checking or savings account

On or near XX/XX/2024, I tried to open a high interest savings account at American Express XXXX XXXX XXXX XXXX XXXX  The company sent me to a page stating " account under review '' with no other explanation or communication, not even an email!
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. 
XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  : # XXXX, XXXX 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 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 theperson knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL 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 relate. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, I responded to an online advertisement for an unsecured loan. I applied for the loan with the intent to pay off my outstanding car loan and other smaller bills. When applying for the loan, it was n't until after I was approved did I realize the unsecured loan was now a title loan. XXXX reduced the loan by the payoff amount and retained the title of the car. I launched a complaint against the company in XXXX XXXX during the time of an unknown business acquisition. My account with XXXX is now transferred to Lendmark Financials in XXXX XXXX. At this time I was told by the customer service agent at the XXXX, CA location she could no longer discuss my XXXX account. 

Ever since the transfer to Lendmark Financials in XXXX XXXX, my monthly statements DO NOT reflect how payments are applied or the active balance. Only in the month of XXXX XXXX did my statement reflect my balance of {$7300.00}. I have no way of knowing what the balance is unless I call every time to get this information. With every called I am told they are still working on transferring everything over and they apologize. I have made numerous calls asking how much would I have to pay to purchase my car back from them and gain the title and every response is different. I called them in XXXX XXXX stating I did not want the car anymore and they could come pick it up. I was told they are not in the business of repossessing cars. I am STUCK in an upside down title loan that still has a balance of {$7000.00} something dollars for the last 12 months. I have since bought another car.
Product: Debt collection

I was alerted to a high impact item on my credit report by XXXX XXXX. The item was listed by a Cavalry Poftfolio Services. It  claimed to be an account from XXXX XXXX  with an open balance of {$2300.00}. As there was no identifying information given about the account I disputed it. I was then simply told that XXXX had verified the debt. Well how can you verify a debt with no account number? So I went directly to XXXX and disputed their finding. Since there was no account number how could they verify the debt? I also asked for ALL of the legally required ( both federal and state of new york ) documents to prove that Cavalry Portfolio had any legal right to this alleged debt. 

Today XX/XX/2020 I received a packet from Cavalry Portfolio. Inside was a statement that they believed this account to be past the Statute of Limitation, That it was alleged to be an account with XXXX and alleged monthly statements for said account. 

What I did not receive was ANY of the requested legally required documents to prove that Cavalry Portfolio has any legal right to said debt. This would be something like a legal document known as a bill of sale along with a statement from the alleged owner of the alleged account that specifically mentions this alleged account was sold to Cavalry Portfolio.

Yet with no proof of ownership Cavalry Portfolio has managed to do direct damage to me on my credit report and XXXX has claimed this alleged debt was " verified '' by them and they allowed said damage to continue. 

No party should be able to do direct financial damage to any individual by claiming they own an account that they can apparently not prove or provide proof of ownership of as requested. 

I will include a screenshot from XXXX XXXX to show the lack of information and why I disputed this listing. Also why I would wonder how you could " verify '' it with the information provided in that listing. I did not include any of the pages that Cavalry Portfolio sent to me as none of them were what I asked for. In other words a legally recorded/witnessed Bill of Sale and the  other required documentation with direct mention of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get XXXX to update my address since 2020, XXXX has inaccurate information on my report since XXXX, TransUnion has inaccurate information on my credit report since XXXX. I have paid credit repair company to repair and remove those inaccurate information, I cant get approval for a mortgage until I take care of this. Now going on the XXXX  year. This is insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX Credit Bureaus to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. 




XXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are   XXXX   companies reporting a delinquent account that originated with a 60 month loan with CitiFinancial that was secured by a vehicle. The Loan was originated on   XX/XX/XXXX  for th e loan amount of {$18000.00} at 22.99 % APR with the first payment due on   XX/XX/XXXX . I  paid this loan as agreed until Approximately   XX/XX/XXXX  wh en the loan was transferred to    XXXX   XXXX   for servicing. I was notified by   XXXX   XXXX   that my b alance was still {$13000.00} after I had been paying my payments since  XX/XX/XXXX   (  5 years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on   XX/XX/XXXX  w hich I refused via fax  on  XX/XX/XXXX  and a sked them to come and pick up the car that the loan was secured on.        XXXX   XXXX   then transferred the Loan to   XXXX   XXXX   w ho also tried to collect before selling the account to   XXXX   XXXX  . I currently have a delinquent closed account being reported on all  XXXX  of my credit bureau reports by    XXXX   XXXX   XXXX    fo r the loan which was originated with Citifinancial as well as a delinquent Open Collection Account on all  XXXX  of my credit bureau reports by  XXXX    XXXX   in the amount of {$13000.00} which again was originated with CitiFinancial. My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the   XXXX   XXXX   Welcome Letter  ) ;  completely different than the Original Note ( Shown on the  Citifinancial Loan Origination Note ) The   XXXX   XXXX   Welcome letter does however reflect the correct Citifinancial Loan /Account number and corresponding    XXXX   XXXX   account number, which is then referenced by   XXXX   XXXX   an d  XXXX   XXXX . I will also include a letter from  Citifinancial  stating that they no longer have any of the documents of my real estate loan that was originated with them  (  it was actually a 60 month vehicle loan that originated on XX/XX/XXXX   XX/XX/XXXX   ) so they will delete the account from my  XXXX  agency credit reports.     I would like to have any delinquent accounts associated with the  Loan  that was Originated with Citifinancial be deleted from all  XXXX  of my credit bureau reports PERMANENTLY Deleted.             I want any and all delinquent accounts that originated with the  Citifinancial Loan  from   XX/XX/XXXX  b e Permanently Deleted from all  XXXX  of my credit reports from the  XXXX  major credit reporting agencies. Primarily the Delinquent account being reported by    XXXX   XXXX   XXXX  ,    XXXX   XXXX   XXXX ,  Citif  inancial Inc,  and  XXXX   XXXX ,  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$68.00} XXXX XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX   XXXX  XXXX {$450.00} XXXX/XXXX  XXXX {$870.00} XXXX   XXXX  XXXX {$1000.00} XXXX  XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report showing XXXX and XX/XX/2021 i was 30 days late with JPMCB - AUTO FINANCE XXXX XXXX XXXX XXXX, NY XXXX .I was victim of XXXX XXXX while I was involve and helping other people overseas. i was hospitalize for 2 months. I called XXXX about the payment, they put me hold for an hour, next few days later i called again no one answer my call and transfer me from here and there. finally i send the payment but i was late. After i saw a negative report on my credit bureau report, i talk to JPMCB credit service and they have no sense of people affected from XXXX XXXX and get late of payments. I would like to ask if you can investigate and help me to resolve the issue. i was in the hospital so i could not make the payment on time, finally i paid off the account.
Product: Checking or savings account

Hello My name is XXXX XXXX and I am a XXXX born citizen. I have been working for XXXX XXXX XXXX XXXX for over 20 years. 
Wells Fargo and XXXX  XXXX XXXX closed both my checking and savings accounts for no reason what so ever and with no explanation. 

I truly believe they closed my accounts due to my last name -I am being discriminated against!!!
Product: Debt collection

Credit management reported a debt to credit report for a debt that is not mine. 
The company is ( XXXX ) for {$100.00} The account number is XXXX Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. 
XXXX, Illinois I dont have a middle initial and I have never lived in XXXX XXXX Illinois XXXX The account information says this was during the year 2021 I have lived at my address in Mississippi for the past 14 years. This is not my account.
Product: Checking or savings account

Please review initial complaint case # XXXX, which was placed on XX/XX/year>. On XX/XX/year> XXXX additional unauthorized from my checking account in the amounts of {$110.00} and {$38.00}. These unauthorized transactions was once again paid by Bank of America putting my account in overdrawn status. I deposit funds to put my account back in positive status. The fact that Bank of America is continuing to pay this merchant even though I have stop payments against them is troubling to me. This tells me that since my last complaint, nothing was put in place to prevent withdrawal fly this merchant from my account. I want to close my checking account ending in XXXX, and open another account to resume my paycheck deposit. It is also very frustrating that I was transferred twice, explained my situation only to be told again they will have to transfer me to the fraud department. I just hung my phone up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card with XXXX that has been fully paid off since XX/XX/XXXX. I received a surprise credit score change of near XXXX points on all 3 major credit bureaus. The credit score change was due to a delinquent balance at XXXX for a {$99.00} annual fee charged on XX/XX/XXXX. I never received a delinquent notice to my email or mailing address prior to XXXX reporting this delinquent balance. I had a credit score of near XXXX before this and I have never missed a payment in my life. After multiple attempts at contacting XXXX to resolve this, I got the run around. I was not aware that I had a {$99.00} annual fee on XX/XX/XXXX. XXXX told me they would notify me in advance when I applied for this card on XX/XX/XXXX, but I never received this notice. I have not used this credit card since XX/XX/XXXX and had lost my login information to the mobile application. I trusted XXXX to send me balance statements and notifications via email or mail, but I never received them. Again, this was an annual fee and not a purchase balance I had. A soon as I was notified by the credit bureaus about this delinquent account I called XXXX and paid off the annual fee of {$99.00} on XX/XX/XXXX. I greatly appreciate XXXX to remove my delinquent inquires immediately due to them not notifying me in advance. Thank you.
Product: Credit reporting or other personal consumer reports

To : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, ATTN COMPLIANCE DEPXXXX, GA XXXX Subject : Dispute of Late Payment Reporting Dear Sir/Madam, I am writing to formally dispute the late payment ( s ) reported on my credit report associated with my account, in accordance with my rights under federal law. The reporting of these late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the fair credit XXXX Account ( XXXX XXXX ), has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

3. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit card420 account under an open end consumer credit plan as late It is my understanding that : The late payment ( s ) reported may not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b.

The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ). 

I request that you conduct a thorough investigation of the reported late payment ( s ). If the information is found to be inaccurate or unverifiable, I expect it to be corrected or removed from my credit file promptly, as required by law.

Please provide documentation verifying the accuracy of the late payment ( s ), including but not limited to : 1. Proof of the payment due date and the date payment was received.

2. An explanation of how the payment was deemed late, in light of the statutory requirements. 
3. Confirmation of compliance with the legal grace period outlined in 15 USC 1666b.

Failure to address this matter accurately and promptly may constitute a violation of federal law, and I reserve the right to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies.

Please respond to this letter within 30 days as required under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I submitted a dispute letters to XXXX, Equifax and XXXX I have not received a response from either about inaccurate reporting information.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : Account Name : [ XXXX ] Date Listed : [ XXXX XXXX, XXXX  ] The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, the issuance of a XXXX099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I took a loan in XX/XX/XXXX. I paid the loan in full in XX/XX/XXXX. I never received a duplicate title for my vehicle. I need to donate the car. I went to the DMV to request a duplicate title and the lien has not been released. I nowmust go to an outside site that will charge me money what Santander should have already provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the student loans off in full XX/XX/2020. XXXX XXXX reported to my credit a new consolidated loan and it's not accurate. I never signed any documents to consolidate the loan. I have copies of the cashier check and a receipt from the Student Loan department showing full payment.
Product: Checking or savings account

On Saturday XXXX ( around XXXX XXXX ) I went to PNC bank to the ATM located in XXXX NC. I wanted to deposit money into my XXXX Banking account. According to XXXX, I could use this ATM to make the deposit. I got to the ATM, followed commands on screen to make the deposit. Submitted the money, machine sounds like it was counting the money. Then message popped up on screen saying, " Temporarily out of Service ''. I waited about 5 minutes thinking it would spit the money back out, but never did. There was a phone number located on the machine that I called. It just said that the customer service dept was closed because it was after hours. I took a picture of screen with my cellphone so I would have some kind of proof. 
I got to work on XXXX ( Monday ), reached out to PNC back, they said I needed to contact XXXX. I reached out to XXXX, even spoke to a supervisor, and they both said it was on PNC. Called PNC once again and was on hold for XXXX minutes to be told the same thing. I need some advice on what to do, who's responsible for returning my money.
Product: Credit reporting or other personal consumer reports

Date opened XX/XX/XXXX Status Account charged off. {$890.00} written off. {$190.00} past due as of XX/XX/XXXX. 
Original balance {$26000.00}