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

This merchant has caused significant harm to my business. I paid them to send products to customers and they scammed me. I've had serious harm to my brand and had to resend all of these customer orders and pay separately for them while this money has been tied up in disputes. They blamed covid for the issues, but months later all of my customers still don't have their shipments. In tracking the shipments they all either say, " waiting for shipment '' ( meaning the merchant never shipped them ), or the tracking never says delivered. I have included in my previous correspondence all the tracking numbers the merchant sent me, and the results. They show that the products shipped were never delivered. The whole sale was a scam. Now, i will not be responsible for these purchases as they fall under the credit card protection for fraud. If I need to file this in court, I can. As you can see it's for a large amount, and it will be a serious charge due to the dollar amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in regards to some misinformation reported currently on my credit reports. I would like these items deleted immediately. I have a fraud alert on all my accounts so i dont understand why or how this is still happening. i am a victim of identity theft and i have asked these credit agencies to delete these items and they are still there. i have enclosed a copy of my identity theft affidavit. please delete these as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased XXXX XXXX XXXXXXXX XXXX  shirts for {$230.00} at Macy 's in XXXX, MA. The computer malfunctioned during the transaction and they moved me to another computer and checked me out. I used {$10.00} Macy 's money on the final transaction bringing the price to {$220.00}. When I got my credit card statement I saw {$450.00} on it. I disputed the transaction but they denied it because the amounts were not the same, despite me explaining the reason for the difference and the proof being in the receipts. They also confirmed on the initial phone call that the bar codes matched exactly. The disputes department did not do their due diligence when researching this issue and I am stuck with a {$230.00} bill for a product I didn't buy.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against American Express ( " AMEX '' ) and XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCCPA ) pertaining to the inaccurate reporting of four AMEX accounts on my XXXX credit report. These inaccuracies have caused significant harm to my creditworthiness, financial stability, and emotional well-being.

Upon reviewing my Experian credit report dated [ Insert Date ], I identified the following violations across four AMEX accounts : AMEX Account 1 FCRA Violations : Section 607 ( b ) : Inaccurate reporting of the Date of First Delinquency and balance details.

Section 611 ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation after disputes were submitted.

Section 605 ( a ) : Retention and reporting of obsolete charge-off information beyond permissible timeframes.

Section 611 ( d ) : Failure to include a dispute notation in subsequent credit reports.

FDCCPA Violations : Section 807 ( 2 ) : Misrepresentation of the character, amount, or legal status of the debt.

Section 808 : Unfair practices by reporting misleading charge-off details.

AMEX Account 2 FCRA Violations : Section 607 ( b ) : Reporting inaccurate payment history and delinquency timelines.

Section 611 ( a ) ( 5 ) ( B ) : Reinsertion of deleted information without proper certification.

Section 611 ( d ) : Failure to indicate the disputed status of the account.

Section 605 ( a ) : Reporting unverifiable or outdated data.

FDCCPA Violations : Section 807 ( 5 ) : Misrepresentation of the delinquency status.

Section 807 ( 8 ) : Communicating false credit information to third parties.

AMEX Account 3 FCRA Violations : Section 607 ( b ) : Failing to maintain accuracy in reported charge-offs and payment history.

Section 611 ( a ) ( 1 ) : Ignoring or inadequately investigating disputes.

Section 611 ( a ) ( 5 ) ( B ) : Reinserting deleted information without verifying its accuracy.

FDCCPA Violations : Section 807 ( 2 ) : Misrepresentation of the legal status of the debt.

Section 808 : Employing unconscionable practices, such as retaining incorrect balances.

AMEX Account 4 FCRA Violations : Section 607 ( b ) : Reporting inaccurate details related to charge-offs, payments, or balances.

Section 605 ( a ) : Failing to remove outdated or obsolete information.

Section 611 ( d ) : Omitting the dispute status after being notified.

Section 611 ( a ) ( 1 ) : Failing to perform a reasonable investigation.

FDCCPA Violations : Section 807 ( 10 ) : Using deceptive practices to collect alleged debt.

Section 808 : Reporting false information to exert pressure.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is all three credit bureaus XXXX, XXXX, Transunion are reporting this one account XXXX XXXX  XXXX  which is a charge off. I called XXXX XXXX  XXXX  to pay off balance until they told me this account was given to collection agency back in XX/XX/XXXX they asked me why I did not pay it 2 years ago, my response to them that I became homeless and lost my employment and I moved around alot could not keep up with my mail at the time and when I did purchase PO BOX it was already too late when I received the letter that I owed a balance. So they gave me the name of the company they sold the account too, an collection agency called XXXX  XXXX, XXXX. ( XXXX ). I spoke to agent at XXXX and explained to them that XXXX XXXX  is showing a balance of {$99.00} on my credit report which they have the right to do so until they sell the account. The account was sold in XX/XX/XXXX at that time only suppose to show a balance of {$0.00} for a charge off after it is sold. The credit bureaus are showing a balance of {$99.00} which is incorrect and they are reporting this account and do not know themselves who bought this account because it does not show on the account but they decided to still report XXXX Dot account with a balance of {$99.00} charge off, however there should be no balance reporting if the account has been sold to a collection agency. there should be XXXX balance reporting. I asked XXXX XXXX  to remove the whole account due to the fact they sold it and gave incorrect balance on my credit report and I was told to call company XXXX at XXXX and pay them because they are the company that owns the account and only ones who can remove the account but XXXX is not on my credit reports so how can I dispute with the credit bureaus if XXXX XXXX  will not remove there account but a collection agency owns the account who is not on my credit report. I have paid {$99.00} directly to XXXX on XX/XX/XXXX {$91.00} & XX/XX/XXXX $ XXXX asked XXXX to remove XXXX  XXXX  account since I paid the balance now there telling me to call XXXX  XXXX  to remove it. WOW this is crazy they are playing back & forth game with me and I'm sick of it. Its causing me hardship and completely messed with my credit. I do not wish for either company to be reported on my credit report and I do not want the credit bureaus to know the name of company that bought the account. They should had done better research on account before putting it on my credit report with the correct updated information. Please help me with this situation Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I contacted the police locally and FTC. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX   XXXX, XXXX XXXX. And these inquiries are not mine either : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX , XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX . XXXX, XXXX.
Product: Checking or savings account

I checked my account on night of XXXX and found both my checking and savings account to be drained. There has been no warning or notice. My account was just closed. Thinking it could have been a system error, I decided to wait until the morning of XXXX. Now I'm not able to even access my account or find out how much money was in my account. All it shows me is my credit card debt. 

There were money both in my checking and savings account. But both accounts are now closed. Fortunately, I saved my checking account statement. Unfortunately, I didn't save my savings account statement. For my checking account, I should be receiving {$160000.00}.
Product: Credit card

I received ( 2 ) application denial letters from American Express I have sent letters with 15 USC consumer codes, they did an investigation and denied me my beneficiary benefit which is fraud, Since I applied they have created an application number that has been utilized to create instruments/notes ; which according to their prospectus they told the SEC they would not do.
Product: Credit card

American Express closed my credit card account due to inactivity. They said they emailed me a letter notifying me that my account is inactive on XX/XX/year>. I do not know if I received this email as my emails could only go back as far as XX/XX/XXXX, the account was closed XX/XX/XXXX. 

I was notified by the agency XXXX XXXX that they closed my account on XX/XX/year>. I contacted American Express and they notified me of the email. Since XX/XX/XXXX there were XXXX other emails sent to me from American Express and none of them mention inactivity, they offer other spending measures, balance transfer options, and earning rewards. I wasn't notified of the closing by American Express at all and nothing was sent by mail. There were XXXX emails after the closing on XX/XX/XXXX with special offers. 

My credit score has been lowered because of the closed account, lowering my credit limit, and lowering the average age of my credit line. 

I believe my account was improperly closed. It is very easy for me to use my American Express cards to keep it active if given the chance.
Product: Debt collection

I have attempted to contact diversified consultants in regards to verification of debt that state that I owe in the amount of XXXX for a XXXX  bill that was apparently open under my name XX/XX/2018. I have not received any bill or original documents stating that this account is mine after several requests. I have not owned a XXXX account and would like for this account investigated and deleted.
Product: Student loan

On XX/XX/XXXX I received an official email from the US Department of Education stating that my federal loans were : " Your loans will be discharged based on an XXXX  finding that XXXX XXXX XXXX  made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at XXXX XXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. '' I have requested from Navient, who holds my private student loans, the Navient Student Loan Forgiveness forms. I spoke to a representative the week of XX/XX/XXXX and officially requested the form. I was told by this representative that I would receive the form via my Navient portal within 3 business days. It has now been XXXX weeks with no form received. I called on XX/XX/XXXX and was told by the representative that they " tried to send it out on XX/XX/XXXX but they are running out of forms and are having trouble printing more. '' Which seems like a blatant lie and attempt to avoid loan forgiveness. 

I have requested this form on 3 separate occasions and Navient is refusing to provide the form that I am legally required to receive once requested. 

Thank you.
Product: Bank account or service

" Get a {$400.00} bonus when you open a new Citigold or Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days '' - Citibank website. 

In XXXX Citibank widely advertised their promotional offer. They promised to pay {$400.00} to the new users of Citibank account package/Citigold account package. {$15.00} XXXX deposit was required. Initial {$15.00} XXXX deposit should have been kept on account for 30 days. They promised to pay {$400.00} bonus at the end of 90 days term. Link to the original offer on their website ( unfortunately, does n't work anymore ) : https : //banking.citibank.com/cbol/16/checking/aquisition/400-offer/default.htm XXXX : I opened Citibank account package and made a qualifying deposit. Money was kept on account for 30 days. After 90 days no rewards were paid to my accounts. 

XXXX : Gave a call to Customer support, asking what 's going on with promotional offer. Investigation was opened, Reference number : XXXX. 

XXXX : Got a letter regarding investigation from XXXX, specialist of Premier & Escalated client Services of Citibank. Letter stated : " A credit of {$400.00} is being processed to your account in fulfillment of this offer. '' Letter is attached to this complaint. 

XXXX : Talked to XXXX from customer support. XXXX confirmed that I was eligible for the bonus and it takes up to 30 days to process bonus. 

XXXX : Citi still did n't pay promotional {$400.00}. Placed one more call to Customer Support to check the status of investigation ( from XXXX, Reference number : XXXX ). They say previous case was already resolved and they sent a letter to me. When I replied that I expect a result not a letter, they offered to create a NEW CASE TO RESOLVE THE PREVIOUS CASE. And provided me with a new case number : XXXX. Amazing customer service experience. 

I 'm not alone, you can see many similar complaints to Citibank across consumerfinance.gov website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is currently reporting my wrong monthly payment amounts and its effecting my credit.
Product: Credit card

Double-billed for XXXX transaction by Dillards, XX/XX/2006 & XX/XX/2015. 
Transaction # XXXX. 
Payment deducted from credit card ( {$100.00} ) on XX/XX/XXXX Payment pending ( {$100.00} ) for XX/XX/XXXX. 
Informed by Dillards that pending transaction would be nullified on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding the recent notice I received from your company. Your organization claims there is an outstanding debt, but I have no memory of owing any payments or dues to your entity. 

In accordance with the Fair Debt Collection Practices Act, I am requesting validation of the debt along with essential information before any further action is taken regarding payments. I am willing to fulfill the obligation under one condition : if you can furnish the following details pertaining to the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

It is crucial to note that I have already notified other bureaus about these accounts, resulting in their removal from their records due to identified errors. I find it perplexing that your organization has verified these accounts despite their removal by other bureaus. Hence, I am formally requesting the deletion of these inaccurate, erroneous, incomplete, or unverifiable accounts from my file. 

As the affected party, I am bewildered by the apparent disregard for legal compliance exhibited by your organization. Other bureaus have promptly acted upon my requests, leaving me puzzled as to why yours seems to be an exception. 

I kindly request a response to this letter within 30 days of receipt. Failure to do so will be interpreted as an acknowledgment of my dispute, and I expect the mentioned accounts to be promptly removed from your records.
Product: Debt collection

XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, XXXX and XXXX other fraud has been committed under my name. XXXX and XXXX have already removed this item from my report so Im asking for XXXX to remove this item immediately Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions. 15 U.S.C 6501-15 U.S.C 6505. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX of 2021, I filed a dispute with XXXX, Equifax and XXXX about the inaccuracy being reported on my credit report of the accounts XXXX XXXX -- XXXX and XXXX XXXX. There are two different high balances being reported, {$960.00} on XXXX and Equifax but {$0.00} on XXXX for the XXXX XXXX, and different dates of last activity for the XXXX charge off.. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. Thank you
Product: Mortgage

I make my monthly mortgage payment online to US Bank every month. I just noticed that this month, they are now charging {$5.00} for online processing fee. They never even send a notification to make me aware of this change. So now I plan on sending my payment in via regular mail, but I had been receiving paperless statements via email, so I do n't have the physical printout of the pay stub to send in nor the envelope. And if I had noticed this one day before the payment cutoff date, they would have received my payment late and charged me interest!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I'm writing to request that these items be removed from my report. I am a victim of identity theft, and these charges were not included in in my credit report. The theft of my identity has been reported to the Federal Trade Commission.
Product: Credit reporting

I had disputed multiple items with all XXXX credit bureaus. It did n't even seem like they did investigation since a couple creditors had said I was correct and that it would be removed. So I sent a second letter asking for information on how the investigated it. Still nothing. Sent third letter letting them know they were n't following the laws and asked them to remove the items within 15 days and they are still in reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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. 
XXXXXXXX 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
Product: Debt collection

in XXXX I sold my house in Florida and closed my account with XXXX XXXX ( spectrum ) I returned the equipment and paid the balance owed. I have proof of payment 0 balance due. now just about every year I.C. systems has made a point to continue to harass me. I have had to continuedly show proof that there is no balance and they continue to damage my credit standing every year. please help me make them stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit report as a past due balance on an auto loan that was totaled. XXXX entered a class action law suit. XXXX practiced predatory loans to consumers in several states including the state that my loan originated from which is Pennsylvania. I sent a letter to XXXX XXXX XXXX on XX/XX/2021 asking them to remove this loan because for one, I am apart of the consumers that are to receive proceeds from this lawsuit and two, XXXX is still reporting a past due balance on a charged off collection account which is a violation under the FCRA. XXXX has yet to respond to my request. Please have this account removed as I am in the process of buying a home.