23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Complaint Against American Express Unjust Account Closures Without Explanation To Whom It May Concern, I am filing a formal complaint against American Express regarding the abrupt and unjustified closure of all my credit card accounts without notice, explanation, or due process. Despite having a spotless payment history, never having a late or returned payment, and recently receiving unsolicited credit limit increasesincluding one from {$XXXX} to {$XXXX} and another XXXX XXXX XXXX limit raised to $ XXXX XXXX XXXX to terminate its entire relationship with me in an unprofessional and discourteous manner. 

I was contacted by an American Express representative who coldly informed me that all my accounts were closed due to reasons adherent to card agreements. However, when I pressed for specifics, I was met with vague deflections. No one was ableor willingto explain exactly why my accounts were closed, nor was I given the opportunity to escalate the matter to a supervisor. This level of customer service is unacceptable for a financial institution that prides itself on member relationships. 

Adding to my concerns, I have previously been a victim of identity theft where someone fraudulently signed housing leases and opened bank accounts in my name without my knowledge. Given my clean payment history with American Express, it is imperative that I receive a precise reason for these closures, especially considering that I have diligently maintained my accounts in good standing. 

This action by American Express has caused unnecessary financial and reputational harm, and I demand a full investigation into their reasoning for this termination. I also request a formal, detailed explanation in writing from American Express, outlining the exact clause in their agreement that warranted this action. Furthermore, I urge the CFPB to investigate whether American Express is engaging in unfair or deceptive business practices by closing accounts without proper justification. 

I expect a prompt response from both the CFPB and American Express regarding this matter. Please advise on the next steps I can take to ensure I receive the transparency and fairness I deserve as a responsible consumer. 

Sincerely, XXXX XXXX
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 XXXX XXXX XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account XXXXXXXX XXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account namXXXX  XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 reporting or other personal consumer reports

Subject : Dispute and Request to Update Personal Information Dear : I am writing to dispute and request an update on my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 
Please find below the specific details of the incorrect or outdated information : My current legal name is XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, MO, XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

I contacted transunion and informed the company that there is derogatory information on my credit report that does not belong to me and they mailed me a paper ( attached ) claiming the information for XXXX and XXXX was verified as accurate without providing proof of accuracy or how the information was verified. The accounts do not belong to me and Ive provided numerous documents ( FTC report, police report, etc ). In addition, the accounts are stating they were included in a bankruptcy for which I have never filed bankruptcy. Attached is the correspondence with XXXX stating that they will be removing the bankruptcy from my report and informing Transunion of their findings. And in addition Ive attached the police report and FTC report. Remove the bankruptcy, XXXX account and XXXX account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were fraudulently opened and maintained. There are 3 discrepancies with account numbers that all begin the same numbers. I've contacted the company and communicated that they were fraudulent. To no avail as the account still reflects on my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3rd set of letters to TransUnion, XXXX  and XXXX  at the end of XXXX. Date should be around XX/XX/XXXX. I havent received a response as yet and by law they should reply in 30-45 days. I need an update on the matters presented. I also sent letters to XXXX XXXX XXXX and XXXX  funding to settle payment with my collection at {$100.00}. They should reply in 15 days. Still no reply
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

0n XX/XX/2022 I filed an Experian credit dispute requesting XXXX XXXX XXXX provide documentation validating the reported debt on my credit report. XXXX XXXX XXXXXXXX failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a 2nd and 3rd dispute request on the issue. XXXX XXXX XXXX XXXX failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.
Product: Debt collection

Received letter stating this agency, Rent Recovery Solutions, has received debt from XXXX XXXX. Disputed with the agency directly and requested verification. They ignored and reported said debt to credit bureau as a collection. Sent another correspondence via certified mail. They stated that an internal investigation will be performed. Agency is now refusing contact while updating collection on my credit report after each dispute with respective bureaus.
Product: Credit reporting or other personal consumer reports

I CONTACTED ALL XXXX BUREAUS ON XX/XX/year> CONCERNING ACCOUNTS THAT WERE ON MY ACCOUNT FRAUDULENTLY AND THAT I NEEDED HELP ADDRESSING THE ISSUE. NO ONE HAS RESPONDED TO ME YET. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND I HAVE FILED AN IDENTITY THEFT REPORT WITH THE FTC.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and so on.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, i realized that my personal information was exposed in several data breaches. I have no recollection of applying for these accounts in question, and they are negatively impacting my credit report. Per section 15 USC 1681 c-2, any fraudulent accounts that did not authorize or sign a contract form must be removed from my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Credit card

Amazon prime visa credit card / chase they will block you after getting approved a way to push you else where I did get approved but they took the approval back then another screen delay information saying that I have to wait to get a updated answer based on what I read in online reviews they know to do this to change a persons approval amount and credit card apr percent rate making it so they can manually make certain persons have higher interest rates & lower approval amounts than others who get instant approval amount and a set apr rate and card that immediately get added to the Amazon account I very frustrated because I keep watching companies slow down application for their own business purposes them and chase does this to push certain households to keep applying for credit card I called and I got we don't have any information for you. You can never tell if applicable applications are being processed properly if there is a delay in the system it's very important to voice that especially if you have to have a prime account to apply when people income is high enough to get a credit card company tend to drag their feet ( bias ) causing days to get a card/information at times. Also keep in mind my Amazon prime account has my other phone number and email which is different from what am filing this complaint with thanks.
Product: Debt collection

AFNI threatened me, stating that if I did not pay {$400.00} that a judgement against me would result in my license being suspended.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I applied for the XXXX Rapid Rewards Premier Business Credit Card from Chase. This was for my business account. I filled out all requested information. They also ran my personal credit. The " Fraud Operations Department '' then sent me a letter requesting a bunch of additional information including " PHYSICAL STREET ADDRESS FOR AUTHORIZING OFFICER '', " NAME OF YOUR COMPANY '', FEDERAL TAX IDENTIFICATION NUMBER '' AND " PROOF OF CURRENT BUSINESS PHYSICAL ADDRESS ''. 

All of this information was provided in the application. I was on vacation when the letter arrived and I had to call them to clarify the request. The help line was clearly individuals that do not live in the United States. I stated that I had previously provided them all of the requested information. I gathered proof of all requested information and took it to a Chase Bank Branch where they said I could fax it. They provided me several fax numbers and each time I would call, they provided a new fax number. I faxed it again multiple times and they said my application had expired but they could re-open it. I then faxed again and they claimed they had not received anything from me. After everything, they said that I had to apply again online.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has been resubmit or reinserted to my Transunion Account without my knowledge or consent without notice within 5 business days of reinstatement. The is a violation of FCRA rules. TransUnion is intentionally violating FCRA rules section XXXX Notice that this account has been reinserted and remove numerous times from my TransUnion credit report. 

Please see attachment ; After being removed on XX/XX/2020 XXXX XXXX XXXX XXXX was the reinsurted again without my knowledge on XX/XX/2020, Account was then removed On XX/XX/XXXX for violation. And today again XX/XX/XXXX for you XXXX XXXX XXXX  has been reinserted without five business day notice. A violation of FCRA rules section XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$5800.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$440.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

This mortgage servicer has entered my property without authorization, contacting both my XXXX  grandmother and father. I possess evidence in the form of video surveillance, which prominently displays a " no-trespassing '' sign on my premises. They have engaged in unwanted surveillance and left blank notes on my window and doorstep in an attempt to establish contact, employing the practice known as " ding-dong ditching . '' Despite repeated requests, the mortgage servicer has not provided a copy of the purported contract between us. It is essential to clarify that I have never entered into a contract with this company. My original contractual arrangement was with XXXX XXXX XXXX. Unfortunately, XXXX XXXX XXXX engaged in mortgage fraud by creating false budget sheets, resulting in my qualification for a fraudulent loan. They were aware of the fraudulent nature of the loan, leading to its sale. Importantly, I was not provided with full disclosure regarding this fraudulent activity, including my right to rescind under the Truth in Lending Act. I keep asking them to produce the original note. The deed alleges the home was purchased for XXXX dollars. They are claiming a loan took place but they have yet to furnish any proof that any loan happened. The only money that has been exchanged has been extorted from me to this servicer under false premises. 

The current servicer is falsely claiming that my home is vacant, potentially as part of their predatory lending and mortgage fraud misrepresentation tactics, which also violate my civil rights. I hereby dispute any alleged power of attorney by this company, as they claim an irrevocable power of attorney without making me aware of it. Fraudulent practices nullify the entire agreement, as full disclosure never occurred. I do not consent to and will consent to harassment, stalking, or intimidation tactics.
Product: Debt collection

XXXX XXXX  send me to collections for an account that is already paid! 

Midland collection Agency called me a few times to try to collect on a debt that is paid off. 

I called XXXX XXXX  and they said the account was send to collections with " Midland collection Agency '' I have called a few times already, to take care of the issue, I dont get any help from both parties. and it shows on my credit as collection account.
Product: Credit card

I live in XXXX XXXX and while on a trip to XXXX had paid for a one day pass. Later on XX/XX/year> XXXX XXXX  began charging me for a membership at the XXXX XXXX branch. Initiation and monthly charges. I googled XXXX XXXX and found out that over XXXX fraudulent charges were made by the same person I saw at the XXXX XXXX branch. I told Citibank XXXX XXXX XXXX that I never signed anything for membership. They removed all XXXX XXXX charges and told me they would investigate. Eventually Citibank reinstated all my charges and sent me a fraudulent membership document with a different signature than mine. I told Citibank and they moved my dispute to the Fraud department. Meanwhile for the second time Citibank canceled my account and reissued a new one for me. The second was because Citibank gave XXXX XXXX my new account number after telling me not to. I wrote to XXXX XXXXXXXX XXXX as well as other officers after no one from branch would respond to me. Never heard from XXXX XXXX. My fraud entries that were put on my Citibank app disappeared the day after I finally got a call from someone at XXXX XXXX accounting who told me she would correct this problem and I would have no following charges. I just called Citibank credit card fraud/security department and they told me that my case went back to the dispute department which I was told was NOT what my case was since fraudulent documents were created and not a billing dispute. None of this makes sense. Citibank is now not being helpful or offer any information. 
All charges from XXXX XXXX started XX/XX/year> including additional initiation and monthly charges in XX/XX/year> with monthly charges to present.
Product: Credit reporting or other personal consumer reports

I have already filed this complaint over a month ago with no response or even acknowledgement of receipt from the company. As stated in CFPB complaint XXXX I have notified the FTC of my identity theft ( FTC Report XXXX : XXXX ) and resulting information on my credit report needing to be blocked : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXThis continues to hurt my credit report/credit score and Experian continues to report fraudulent information even after being aware of my legal rights to be protected.
Product: Credit card or prepaid card

Bank of America has processed a payment against my checking account without permission. They have refunded the credit to my checking account and now state that I owe them the amount of the credit. My balance is {$0.00} but they are stating that I owe them.

I have bank statements and documentation to back up this claim. I have called customer service to close the account and was hung up on by the representative. I would like someone to contact me ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I applied for a XXXX XXXX XXXX  card while at the airport after I saw the advertisement. I did not see an email acknowledgement so I continued on with my travel and assumed the application did not go through. On XX/XX/XXXX I tried to apply again for the same XXXX XXXX and this time I received an email stating they would get back to me on my application. I called when I did not receive a reply to my application after a few days. My Credit Report is clean and I subscribe to XXXX  for their services. It shows that Chase did check my credit on one occasion. I have a credit score over 800 with no credit issues. When I called I was told that my application was declined due to too many requests for credit or opened accounts with Chase. I tried to escalate my requests with Chase and at the same time explaining what had happened. I was transferred many times with everyone basically saying they were sorry and they couldn't help. All my calls were to off shore call taking agencies that at times were difficult to understand and they had issues understanding me. Chase relied on a report from XXXX  who I called and they said it was up to Chase and I should try and explain what happened. Again another off shore call taking company. No one attempted to resolve the issue or bring it to a conclusion. I wrote a letter to XXXX about the credit card service I received. I am concerned that Chase will leave this on my record with them which I know to be wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX $ XXXX {$10000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$640.00} XXXX XXXX {$550.00} XXXX XXXX XXXX {$620.00} XXXX   XXXX {$3000.00} XXXX XXXX XXXX   XXXX {$4000.00}