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

I had an account with Amex which was opened prior to XXXX. I had never been past due on the account but unfortunately in XXXX I had to file for Ch XXXX bankruptcy due to the foreclosure of my condo. As mandated by the law, all my creditors were included in the filing. My wages were garnished, I completed Bankruptcy Pre-filing Credit Counseling Program and my bankruptcy has since been discharged. 
Using the second chance bankruptcy gives consumers I have continued timely payments on all accounts I have open now and my credit score is over 700. 
As my bankruptcy was deleted from my credit report after 7 years as is the law, other credit card companies I had cards for at the time of my bankruptcy have since approved me for credit cards over the last few years including XXXX  XXXX, XXXX XXXX, XXXX, XXXX and XXXX. 
The only exception is Amex and I feel they are discriminating against the fact that I declared bankruptcy and will not consider my creditworthiness based on my credit history since XXXX. As they continue to indicate that they are declining me because they incurred a loss, I have offered to repay the amount owed however they will not guarantee that once done I will be granted an account. If the reason for the decline is their loss and I am willing to provide the funds to cover that loss, why then will they not approve the application. 
I have asked numerous times for someone to review the past account and my credit bureau report and not only do I have to repeat my story multiple times, the only response I receive is that they took a loss and it is within their rights to not grant credit. While I agree they are well within their rights, I feel I am within my rights to have them document their decision in writing after a full review of my credit score rather than treat my application with prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to the bureaus to remove unverifiable information. Per the FCRA 609, it states the Credit Bureaus must verify ALL information received from creditors BEFORE placing it into a consumers credit file. This means that they must have the ORIGINAL SIGNED DOCUMENT from the creditor before they can report it. They have not responded nor have they provided " verifiable '' proof beyond the scope of what was reported to them in error. The FCRA states to legally report anything the bureaus must possess the original contract. They have failed to produce this to me or respond in 30 days so I am demanding they remove the " unverified '' information.
Product: Debt collection

My XXXX credit report is showing Southwest Systems LLP brought a closed account from original creditor XXXX of {$690.00}. My account with XXXX closed in XX/XX/XXXX. In XX/XX/XXXX, I moved from XXXX XXXX XXXX, XXXX XXXX, MD after separation from my ex-spouse. The account was closed and satisfied. 

A new account and account number was established at my new residence XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX. 

When my ex-spouse XXXX XXXX and Son XXXX XXXX, XXXX established a account with XXXX, XXXX reopened the original account at the residence of XXXX XXXX XXXX, XXXX XXXX, MD. 

In my attempt to acquire Credit in XX/XX/XXXX, it was determined that this was showing again on my credit report. This is when I contacted XXXX, XXXX Fraud Unit regarding the matter. XXXX informed that the account was inappropriate reestablished.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name AFFIRM INC Account number XXXX I was never late on the paid off account listed above. Please show me documentation showing proof of transaction, showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. This is an invalid late payment. The FCRA allows 30 days for this to be rectified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX verified false information to Experian, causing pain and suffering. This was done during an open dispute against them. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

A personal loan just appeared on my credit reports showing a delinquency date of XX/XX/XXXX. I have not done business with this bank in past 8 years. This information is inaccurate, and I request it be removed from all credit reports. My credit reports show a loan date of XX/XX/XXXX and amount of XXXX and a delinquency date of XX/XX/XXXX. Again, this just appeared on my report and is 8 years old according to the date they reported.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX. XX/XX/2016 {$2400.00} to present.. 
I was charged a 39 % interest rate when my credit score did not constitute such a high rate. The rate was raised by insurance that was packed into the loan that was unnecessary and useless. The XXXX insurance is useless because I'm already XXXX. The insurance to cover the collateral was unnecessary because I have renters insurance. I believe I was taken advantage of because of my deminished capacity to understand the paper work that I was rushed to sign. Because of my XXXX XXXX.. XXXX XXXX XXXX XXXX..XXXX. I am required to take heavy medications including XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX ). And XXXX ( XXXX ) .. These medicines make it impossible to think clearly as quickly as I was moved through the loan process.. Checks to the insurance companies had already been cut before I started filling out paperwork and were the first things for me to sign.. I was given the impression that it was Required to receive the loans since the checks had already been made out. I also believe I was charged a predatory interest rate because of my XXXX XXXX XXXX XXXX.. my credit score at the time was not bad enough to require a 39 % rate when I was later approved by another company at 29 % .. I believe XXXX XXXX intentionally violated the E.O.Debt Act of 1989.. I have since learned! from legal aid services that XXXX XXXX is on Indianas predatory lenders list.
Product: Checking or savings account

On XX/XX/year>, {$2400.00} in funds was unexpectedly frozen from my account. I called Bank of America to ask about this, and I was told a claim was placed against me and that I would receive information in the mail regarding the claim. As of today, XX/XX/year>, I have received nothing in the mail. On XX/XX/year> an additional {$2400.00} was removed from my account for the same claim! I called Bank of America again and was told that since I had not responded to the claim, the claim was lost. I contacted my post office and was told that I have received all of the mail that was sent to me. Nothing was sent, and nothing was sent certified. 

I contacted Bank of America on XX/XX/year> and they acknowledged that I had XXXX holds for {$2400.00}, and reassured me that XXXX of the holds would be released within XXXX days, and that I would have an opportunity to despite the {$2400.00} claim. The {$2400.00} claim is not valid, and I STILL have no idea where this claim is coming from. No information has been sent to me. 

It has been XXXX days since {$2400.00} was removed from my accounts, and XXXX  days since now {$4800.00} has been missing from my account. This is just ridiculous! I am a busy person and I have made several phone calls to Bank of America. They have held nearly {$5000.00} for no reason. I have contacted an attorney who is interested in taking on my case, and was told to report this customer abuse to this agency first. I need help!! 

I have also contacted the news. Bank of America can not get away with doing this to their customers! I have banked with them for 16 years and never had an issue until now, but I am bringing my business elsewhere.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : XXXX XXXX XXXX has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. Any automated response, or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous! The Credit Bureaus still have not complied to my requests to remove the dispute fraudulent items completely from my Credit report despite all the letters and CFPB complaints I have been submitting to them! The Credit reporting Agencies are required to remove any account and information that resulted due to identity theft under the FCRA section 605b. But I see here that the Credit Bureaus do not seem to care about the said Federal Statute. The Credit Bureaus have willfully neglected their duty with the FCRA and chose to do nothing about the fraudulent items on my Credit Report. The Credit Bureaus continued reporting the disputed items without providing me copies of documents to serve as proof of verification, which is a violation under the FCRA and is punishable by law. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit Report, and if the Credit Bureaus do not comply with the request, please understand I will initiate legal countermeasures : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$850.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Owed : {$340.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a XXXX Platinum card from American Express ( Amex ) with a welcome bonus of 60,000 Membership Rewards points after spending {$5000.00} in 90 days. I met the spending requirement within the first 50 days ( probably sooner ) after I received the card, but the bonus did not show up on my account. Therefore, I double checked with an Amex customer representative ( CR ) online and I was confirmed that the welcome bonus was attached to my account and I have met the spending requirement ( see attached screen shots ). 
A few days ago, I spoke to an Amex CR again as I still did not see the bonus being posted and I was told that I should have the points when I got my 3rd statement. However, after I received my 3rd statement, I still did not received the 60,000-points bonus. Thus, I called an Amex CR again about the same question, and then I was given a totally different story, saying that I was not qualified for the bonus because I had a similar product before. The product being referred to is Platinum card but not XXXX XXXX card. In addition, when I applied for the card I did not get the information and most importantly I confirmed with the representative that I had the welcome bonus and I would get the bonus. 

In short, 1 ) the spending requirement has been met within the required period ; 2 ) Amex confirmed me previously that I would received the bonus ; 3 ) Amex denied the bonus later when I called back.

I think this is very unfair to me. If Amex does not want to give me the bonus, they should inform me earlier or when I applied for the card or at least when I asked to confirm if I would get the bonus or not. This is a high-end product from Amex and the service is simply under my expectation. The whole experience is not what I'd expect from American Express.
Product: Mortgage

I am in process of loan modification, and there has been Mortgage fraud in behalf of my Mortgage Bank, I have been trying To modify and Settle my Mortgage, however bank has been taking its time and not trying to help me, and now my house is scheduled for auction sale. My bank who is Wells Fargo bank.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 

Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXXXXXX XXXX  Account Number - XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

XXXX Account Name - XXXX XXXX  Account Number XXXX Account Name - Net Credit Account Number XXXX, has violated my rights. 

XXXX Account Name - Net Credit Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX, has violated my rights. 

15 USC 1681 section 602 A. 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 any account without my written consent. 

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can 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 USC 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

I tried to setup online accounts with XXXX XXXX, experian and XXXX and they cant setup an online access to any of the above
Product: Debt collection

XXXX was sold tranfer to portafolio never did any contract with them They have to XXXX tranfer to them that was already taking out of my credit report Was a fraud open XXXX un see my name and the company tranfer and sold to them portafolio recovery
Product: Debt collection

THIS ACCOUNT HAS BEE REMOVED BY MERCHANTS AND MEDCAL ON XX/XX/XXXX AND NOW HAS BEEN SOLD TO THIS COMPANY AND HAS REAPPEARED ON MY REPORT WHICH A VIOLATION OF THE FCRA AND FDCPA, ... .MERCHANTS MEDCAL HAS PLACED AN " Account has been validated note '' ON MY CONSUMER FILE THEN SOLD THIS ACCOUNT TO THIS NEW COMPANY, M & M CREDIT INC .
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is my final communication in regarding the inaccurate entry being reported under XXXX, XXXX XXXX and XXXX. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX, XXXX XXXX and XXXX substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I have provided you with a FTC identity thief report, identity thief affidavit and matching police report snice XX/XX/2020 Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
( see attached lawsuit ). 

I have maintained careful records of your actions, and you are now required to appear at : XXXX County Municipal Court on XX/XX/2020. I am seeking {$1000.00} to {$10000.00} in damages for : - Violations of the Fair Credit Reporting Act - including but not limited to Section 611 - Violations of section 605b of the Fair Credit Reporting Act Prior to our court date on XX/XX/2020. 

If you should decide to correct your records and remove the negative and false item in question, please contact me at the address below or the CFPB, and I will subsequently withdraw the lawsuit. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX XXXX Account Numbers : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I received a Business loanfrom XXXX for the amount of {$34000.00}. The terms of the loan were {$590.00} weekly billing.Prior to signing for the loan I was told after fifty percent of the loan is paid off I would be able to refinance the loan and get additional funds. I paid the loan from XXXX through XXXX XXXX on time payments without any discrepancies. The loan was paid off fifty percent so I contacted XXXX on XXXX to refinance for additional funds and was rejected. This puts my business in a bad position to continue to operate. These fraudulent loan practices are unacceptable and are terrible for small businesses. This company needs to be held accountable for these fraudulent tactics
Product: Debt collection

The calls started a few days ago. They also operate by another name XXXX, also based in Georgia. They claim to be attempting to collect a debt for an online loan. I have resolved all my outstanding accounts, by either having them discharged in my bankruptcy in 2015 or have settled directly with the company. I receive mulitple text messages, threats by email and harassing phone calls threatening legal action. I have repeatedly asked them to stop and have they have not. I am including a copy of the long list of BBB complaints about this company
Product: Credit reporting or other personal consumer reports

I am writing this formal complaint against Experian, one of the major credit reporting agencies, for multiple inaccuracies in my credit report, which I believe are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ). 

Inaccurate Address Information ( ID # XXXX ) : The address information associated with ID # XXXX on my credit report is inaccurate and missing crucial details. The report fails to reflect the correct unit information and incorrectly categorizes the property as non-multifamily. Moreover, there should only be one listing for this address, and the current representation is misleading and inconsistent with the actual nature of the property. 
Incorrect XXXX  XXXX Credit Card Status and Payment History : Experian is reporting my XXXX  XXXX credit card as " charged off '' and " past due '' with a consistent monthly amount of {XXXX According to the FCRA, a charge-off should be reported only once at the time of charge-off. However, Experian is repeatedly updating this status on a monthly basis, which is not only inaccurate but also violates the guidelines set forth by the FCRA. 
Furthermore, the reporting of a XXXX  payment each month after the charge-off, along with the continuous display of the same current balance, is not only misleading but also a blatant violation of my privacy rights. All payment history is private information, and I did not authorize Experian to disclose this sensitive information to third parties. 
I believe these actions by Experian are illegal and willfully violating FCRA ( 15 USC 1681 ) and CCPA ( Title VI of 5 USC 1016.1 and 5 USC 552a ). I request that the Consumer Financial Protection Bureau conduct a thorough investigation into these matters and take appropriate penalty action and to rectify the inaccuracies on my credit report. 

I have attached supporting documentation, including proof of the inaccuracies and relevant legal provisions. I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy and integrity of my credit report. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX BANK on XX/XX/XXXX under the account number XXXX, a student loan account opened at XXXX XXXX  XXXX on XX/XX/XXXX under account number XXXX. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Confirmation # XXXX XX/XX/XXXX Equifax hasXX/XX/XXXXXXXX XXXX XXXX XXXX  PA XXXX in which I have not had since XX/XX/XXXX which is wrong reporting information and not correct.