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

I had disputed a few dates for my student loan which is now paid off those dates of late payments were inaccurate for a few various reasons and I would like to have them removed has late payments to current payments because they were current or an accurate verification of the payment being late within 30 days or removal of this late payment Trail on my credit report the name of the loan was refund student loan slfc / XXXX XXXX XXXX XXXX XXXX XXXX and the dates were as follows XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. This account was opened XX/XX/XXXX. Loan fin XXXX XXXX XXXX XXXX XXXX SD XXXX the number is XXXX XXXX. The date it was closed was XX/XX/XXXX
Product: Debt collection

I received a threat to sue me from a debt collector named Express Recovery Inc. located in XXXX XXXX XXXX, UT.

The threat was over a utility bill that was past due to the gas company, then known as XXXX XXXX, now known as XXXX XXXX.

The trouble all started when I went online and closed my account due to moving to a new location. I was informed that a final bill would be sent via mail. When we moved onXX/XX/XXXX we had placed a change of address with the USPS. They said it would take about a week before the mail would be rerouted.

XXXX XXXX sent the final bill to the wrong address and we never received the final bill so naturally, it slipped my mind over time.

Then on XX/XX/XXXX I received a threat notice from Express Recovery Inc. claiming they were going to sue me if I didn't pay the debt. So I contacted XXXX XXXX  ( the gas company ) and paid them the negative balance of XXXX  which was owed. I explained the situation to them about not receiving the final bill and how it had slipped my mind.

After paying the debt directly to XXXX XXXX ( the gas company ) I called Express Recovery Inc. and told them that the debt to the gas company was paid. They transferred me immediately over to the law office of the guy who owns Express Recovery Inc. When the lady answered the phone she asks me if I was calling in to pay the balance owed which she claimed was XXXX. I said no I paid the {$200.00} directly to the gas company and I wasn't paying it twice. Then she said well, we are going to pursue the lawsuit then.

XXXX XXXX ( the gas company ) confirmed to me on XX/XX/XXXX, that they notified Express Recovery Inc. on XX/XX/XXXXthat the debt was no longer owed. The lawsuit was still filed against me on XX/XX/XXXX in the amount of {$350.00} and some change which still includes the original debt of {$200.00} according to the court when I spoke with them on XX/XX/XXXX.

Express Recovery Inc. and the owner whose name I will not mention here has committed fraud by filing a lawsuit on XX/XX/XXXX when they were notified directly by XXXX XXXX ( the gas company ) on XX/XX/XXXX that the debt was no longer owed.

This debt is also still on my credit report and both Express Recovery Inc. and the owner ( the lawyer ) have refused to have this removed off my credit report even though the original debt doesn't exist.

Express Recovery Inc. has committed fraud by filing a fictitious lawsuit to collect the original debt owed which no longer exist and at this point is also falsely reporting a collection and/or debt still owed that doesn't exist.
Product: Money transfer, virtual currency, or money service

Dear CFPB Officers : Thank you for your attention to my complaint. 

I experienced a theft ( by unlaw taking ) on the evening ( around XXXX XXXX  ) of XX/XX/2023. Two men approached me and asked me to donate {$1.00} via XXXX. After I pulled up the XXXX transfer page in the Citibank mobile app, they took my phone and fled away. They made an unauthorized transfer ( around XXXX XXXX  ) in the amount of {$2500.00} via XXXX in the Citibank mobile app. I reported this to the police immediately. See attached supporting documents for proofs and details. 

I immediately contacted Citibank to report this unauthorized transfer within one hour ( XXXX XXXX XXXX XXXX XXXX of XX/XX/2023 ) after I learned of the unauthorized transfer. Based on Chapter X of Title 12 of the United States Code of Federal Regulations ( CFR ), Part 1005, 1005.6 : " If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution '', my money more than {$50.00} should be refunded. The police also told me so.

When I contacted Citibank ( at that time, the transaction was still pending ), they told me they would start an investigation for this. After around a week, they told me they found the transaction " normal '' and denied my request. I explained the situation and provided information to them again, both by call and in person at the branches. As instructed, I sent my police report by fax ( see proofs in the attached documents ) to them as supporting documents. I also sent them my stolen phone information and many fraud alerts I received after the theft happened as additional supporting documents. I opened two more inquiries for this. However, they just ignored everything I sent them, claimed they completed the ( additional ) " investigation '' and maintained their position ( see their letters in the attached documents ). They neither asked me for more information nor commented on my case.

To resolve this case, I made a lot of effort to collect the documents they needed, called them tons of times, and went to the branches many times for help. It has cost me very much time in the past two months to handle this, and also various fees involved. I tried to fix this problem with Citibank, but they just made me more frustrated. Thus, I decided to turn to CFPB and hope you can help me with obtaining a fair resolution to this.

Thank you for your time and help. I really appreciate it.
Product: Debt collection

I have contacted Account Resolution Services numerous times concerning an alleged debt that they have reported as mine that I do not believe I owe. My legal counsel has also contacted them to request verification and documentation of the debt. However, they have tried to stone wall everyone and refuse to provide any verification other than to simply say it is owed. They are required by law to verify and document any debt and they refuse. They will not provide the name and contact info for the original creditor. 
Their actions and conduct violate numerous state and federal laws relating to debt collection. They are also in violation of XXXX.
Product: Vehicle loan or lease

Deceptive practices and non full disclosure of contracts which gives me the right to rescission under these USC codes 15 U.S.Code 1635 ( b ) - right to rescind and keep the property 15 U.S. Code 1635- right to rescission 15 U.S.Code 1640 ( a ) - each violation is 2x finance charge 1. 15 U.S. Code 1662-No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state 2. that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

3. that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 15 U.S. Code 1692j- false and deceptive forms 15 U.S. Code 1605 - finance charge defined and what is all included 15 U.S.Code 1635 ( f ) - right to rescind after 3 years. If rescission paperwork was never furnished, deceptive practices were used by not disclosing everything, including the existence of power of attorney paperwork within the contract. They added extra taxes and fees without proper explanation. When asked about the validity of the contract, they refused to validate it. The paperwork they sent had no relation to U.S Auto Credit LLC
. The letter mentioned in the previous complaint was not received by the consumer, and the consumer was not informed correctly about the transfer of ownership of the contract during negotiations. US Auto Credit also repossessed the vehicle without any explanation or clarification. Despite requesting this information, it was never provided, raising suspicions about the timing and existence of the letter. It's important to note that I had been communicating with US Auto Credit for months before contacting the consumer bureau, giving them ample time to provide the letter and establish the validity of the contract. These actions indicate that US Auto Credit is operating dishonestly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-I reached out to XXXX XXXX to verify the inaccuracy of bankruptcies listed on my consumer report and I have not received any documentation to date from them.
Product: Credit card

I hope this letter finds you well. I am writing to formally file a complaint against American Express for discrepancies and mismanagement of my credit card balance. 

Non-updated Credit Card Balance after a {$1300.00} Dispute : Sometime in XXXX XXXX XXXX, I disputed a transaction amounting to {$1300.00} on my American Express credit card. Despite the dispute process, my credit card balance was not updated or adjusted accordingly. This has caused undue stress and confusion, as my credit statement does not accurately reflect my true outstanding balance. 

Erroneous Addition of {$1000.00} to Credit Card Balance after Dispute Rejection : I disputed another transaction with American Express, and when the resolution was rejected, they added an additional {$1000.00} to my credit card balance. This is perplexing since, to my observation, no initial credit was ever applied to my account during the dispute process. When I inquired about this discrepancy, I was informed by American Express that they had credited the amount initially, though I have closely monitored my account and can affirm that no such credit was made. 

These instances not only show negligence on the part of American Express in maintaining accurate records but also pose a significant inconvenience and financial strain on me. I have made multiple attempts to rectify these issues directly with American Express, but have been met with either inconclusive explanations or lackluster attempts at resolution. 

During the second dispute process, I was wary of American Express 's handling based on my prior experience. As a precaution, I took a photo of my account balance before and after the dispute to have tangible evidence of any changesor lack thereof. Upon resolution of the dispute, I observed that my credit balance remained unchanged, contrary to the expected adjustment. When I contacted their customer support for clarity, they claimed that they had already credited the disputed amount to my account. However, the photos I took serve as proof that no such credit was made, thus highlighting a discrepancy in their claim. 


In light of the above, I kindly request the intervention of the CFPB to investigate these discrepancies and ensure that my credit card balance with American Express is accurate and just. 

I am more than willing to provide any additional documentation or evidence to support my claims, and I earnestly hope for a prompt and favorable resolution.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian alleges a verification of an account was conducted on XX/XX/XXXX and identified the source of information to be U.S. BANKRUPTCY - CENTRAL DISTRICT ( attachment # 1 ). My Experian consumer report generated on XX/XX/XXXX, identifies the source of information to be " Us bkpt ct ca XXXX XXXX '' ( attachment # 2 ). How can a different court be reporting ten days later if a complete and  thorough investigation was conducted? Also, the status date of the account reflects XX/XX/XXXX. If the account was verified in XX/XX/XXXX, the status date should reflect the XXXX date. 

On XX/XX/XXXX, I received a letter from Experian advising they would not reinvestigate this account without additional relevant information. This letter also identifies U.S. BANKRUPTCY - CENTRAL DISTRICT as the source of information ( attachment # 3 ). However, my Experian consumer generated report dated XX/XX/XXXX again reflects " Us bkpt ct ca XXXX XXXX '' as the source of information ( attachment # 4 ).

Today, my Experian consumer report also identifies " Us bkpt ct ca XXXX XXXX '' as the source of information ( attachment # 5 ). Experian has a obligation to conduct thorough, complete investigations. Additionally, the FCRA stipulates credit reporting agencies only report accounts that are complete, accurate and verifiable.
Product: Credit card or prepaid card

I paid my bill ON TIME, the bank charged a {$27.00} late fee in error. I contacted the bank in writing, ordered them to remove the late fee and never received a response. This ridiculous financial institution deliberately routes all customer issues to a " CALL US '' customer center, which is completely useless to me because I do not do telephone calls and since they do not answer mail in writing, a customer in reality has NO WAY of reaching the bank except via voice telephone. The bank also has NO electronic message system like all other financial institutions.
Product: Credit card or prepaid card

I opened a credit card on received it on  XXXX   XXXX   2017 , I was billed a {$75.00} annual fee on  XXXX   XXXX   2017 . On  XXXX   XXXX  my account was closed by the bank.   I asked to have my annual fee refunded and was advised that after the statement date I would be receiving the {$75.00} back. on  XXXX   XXXX  i Reached out to the bank and was told that i would not be receiving a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there are accounts on my report that are not mine
Product: Credit reporting or other personal consumer reports

Experian has a fraud alert and a phone number that doesnt belong to me that I have to use to validate my identity on my report that I didnt request and is making it difficult to request replacement credit cards because the creditor whats me to validate the my identity on that number that doesnt belong to me Remove unauthorized fraud alert and incorrect phone number XXXX
Product: Mortgage

TD Bank has serviced my mortgage since XXXX of 2021. Unfortunately, TD tries to get mortgage customers to open savings, checking, or other accounts by making it extremely difficult to make payments online ( or access items like tax forms ) if you only have a mortgage account. In fact, I couldn't even establish an online login without help from TD customer service ( the website wouldn't set up a mortgage account login without another TD account ). 

Apparently, if you have a TD savings or checking account, you can easily make your mortgage payment from your TD account or an outside account. If you only have a mortgage account though, you need to enter all of your information each month : checking account number, routing number, email, etc. To make even tougher, the website won't let you paste in your checking account number. You have to type it out twice each and every month. 

As a TD mortgage customer, I should be able to make online payment easily. It's wrong that TD tries to nudge you into opening other accounts by making the process difficult for mortgage-only customers. To me, this seems as bad as what XXXX XXXX used to do in making customers open multiple accounts. This is just another form of that, and it's shameful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a victim of identity theft, There are fraudulent accounts on my credit profile that need to be removed immediately!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( American Express ) has violated my rights. Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

i am not liable for this debt with XXXX XXXX BANK. i do not have a contract with SPRING OAKS CAPITAL LLC. they did not provide me with the orignal contract as i requested. they are also reporting this account incorrectly. this collection account is reporting not only as open but also shows a past due balance of {$830.00} according to the FCRA i have the right to an accurate credit report. please remove this account immediately from my credit report. please provide me a copy of my new credit report reflecting this account removed upon completion sincerely XXXX XXXX XXXX
Product: Credit card

Hey there, I have XXXX Premier Rewards Visa Signature card which has {$75.00} annual fee. I am paying for the annual fee because I like XXXX of the benefits called " bonus award night '' which you pay the points of XXXX night for XXXX. However, they suddenly announces recently that that benefit will be removed soon. The agreement we signed up for CLEARLY SAYS GET THAT XXXX free night AFTER PAYING THE {$75.00} FEE. They dont live up to their terms & conditions and annual fee should be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX : disputing information on credit report since XX/XX/XXXX to present ; car loan was paid off by my insurance due to being totaled in a car accident in XX/XX/XXXX. They are reporting to the bureaus that the loan was a charge off and balance not paid in full. Disputed claim with no information of findings. 

2. XXXX XXXX XXXX XXXX XXXX : reported to bureaus and the company that the mortgage loan was not included in my bankruptcy case. Reafffirmation documents were sent to XXXX in XX/XX/XXXX and this month of XXXX. No change on credit reports has been submitted. 

3. XXXX  XXXX XXXX : company is reporting that I was 120 days past due in XX/XX/XXXX and and XX/XX/XXXX, I contacted the company and was told that I didn't have a loan on file. My loans were sold and consolidated in XX/XX/XXXX and I have been making payments to XXXX XXXX XXXX since then and am in good standing.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint due to my rights being violated because of data breach from Experian, TransUnion, & Equifax. Experian, TransUnion, & Equifax allowed my credit report/profile information to be disclosed, accessed, shared and/or possibly used without my consent. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX XXXX XXXX XXXX {$0.00}, Date : XXXX XXXX, XXXX XXXX XXXX, Balance {$0.00}, Date : XXXX XXXX, XXXX XXXX XXXX, Balance {$640.00} XXXX Date : Opened XXXX - Last Reported XXXX XXXX, XXXX XXXX, Balance {$0.00}, Date : Opened XXXX. XXXX, XXXX Last Reported XX/XX/XXXX XXXX XXXX XXXX  Balance {$470.00}, Date : Opened XXXX. XXXX, XXXX - Last Reported XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$740.00}, Date : Opened XX/XX/XXXX - Last Reported XXXX. XXXX, XXXX XXXXXXXX XXXX Balance {$1000.00}, Date : Opened XXXX, XXXX - Last Reported XXXX, XXXX XXXXXXXX XXXX XXXX  Balance {$3000.00} XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, Balance {$16000.00}, Date XXXX XXXX XXXX, XXXX - XXXX. XXXX, XXXX
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. 

15USC 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 a 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out a complain explaining that XXXX XXXX is prohibited from showing my account paid at the three credit bureaus XXXX  XXXX  and Transunion but they have not taken it off as for deletion, I've already filled a complain to the CFPB to mandate them to stop showing XXXX XXXX account on my credit report as it should not be there because the account was placed on collections for the reason that I was not contacted to be informed that the account was goin to collections so I did not had a chance to pay it before It was transferred to collections and now its affecting me in my credit report even though I paid it.
Product: Credit reporting or other personal consumer reports

I

am contacting you to address several concerns I've experienced with the credit bureau. These include inaccurate account listings, multiple unauthorized inquiries, incorrect credit reporting, billing errors, and accounts that I do not recognize as mine. I would greatly appreciate your help in resolving these issues to protect my financial stability.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00XXXX XXXX XXXXXXXX Balance XXXX {$130.00} XXXX XXXXXXXX Balance : {$0.00}