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

I am writing to file a complaint against American Express regarding the closure of my credit card accounts. On XX/XX/2022, I requested a hardship modification from American Express due to financial difficulties I was experiencing as a result of the COVID-19 pandemic. However, on XX/XX/2022, American Express closed both of my credit card accounts without any prior notice or explanation. 

At the time of the account closures, I had not missed any payments on my Platinum account. I later discovered that American Express claimed that I missed a payment, despite the fact that I had called in to set up a manual payment from a different account to ensure timely payment. 

In addition, I was charged an annual fee after the account was closed, and despite requesting a full accounting of the charges on my account, I never received any response from American Express. 

The closure of my accounts has caused significant financial harm to me, exacerbating the financial difficulties I was already experiencing due to the COVID-19 pandemic. I have been unable to secure financing for my investment property and have encountered other credit-related problems as a result of the negative impact on my credit score. 

I believe that American Express violated several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and engaging in unfair, deceptive, or abusive acts or practices ( UDAAPs ). 

Under the FCRA, creditors are required to provide consumers with a notice of adverse action before taking certain adverse actions, such as closing an account. The ECOA prohibits creditors from discriminating against applicants or borrowers on the basis of race, color, religion, national origin, sex, marital status, or age. If American Express closed my accounts solely based on an unrelated drop in my credit score, they may have violated the ECOA. 

In addition, American Express may have violated UDAAPs by failing to provide me with a full accounting of the charges on my account and charging me an annual fee after the account was closed. 

I would appreciate it if you could investigate this matter and take appropriate action against American Express. I have attached documentation to support my claim, including copies of my payment records, credit reports, and correspondence with American Express
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax and XXXX but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX XXXX
Product: Checking or savings account

Nav has frozen my business bank account without any prior warning. They have not provided a reason for the freeze and have given a timeline for when it will be resolved. This has severely impeded my ability to pay vendors and has significantly impacted my business operations.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS ABSOLUTELY THE WORSTTTTTTT CREDIT REPORTING AGENCY I HAVE EVERRRR DEALT WITH AND I HOPE THEY CLOSE DOWN!!!! NOT ONLY DID THEY END UP WITH A DATA BREACH WITH EVERYONES SOCIALS AND INFORMATION, LEAKED OUT THEY HAVE THE AUDACITY TO NOT HELP YOU WITH AN IDENTITY THEFT ISSUE!!! ABSOLUTELY RIDICULOUS!!! I DISPUTED FRAUDULENT INQUIRIES OVER 50 TIMES WITH MY EXTENDED FRAUD ALERT, THE CREDITORS HAVE SENT MULTIPLE REQUESTS FOR REMOVAL OF THESE FRAUDULENT INQUIRIES AND THEY REFUSE TO REMOVE THE INQUIRIES. IM SICK AND TIRED OF REACHING OUT TO THEIR DEPARTMENT!
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. 

1. XXXX  XXXX XXXX Original creditor : XXXX XXXX Account number : XXXX has violated my rights. 

2XXXX XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 

3. XXXX XXXX XXXX XXXX  XXXX XXXX  Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Transunion, XXXX and XXXX. They ( XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three credit bureaus numerous times indicating I never asked these companies to run my credit and wanted proof that i was indeed me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have never provided me with my signature or proof of any kind with any of these companies.
Product: Credit reporting

XXXX CREDIT AGENCIES REPORTING ACCOUNTS " NOT MINE '' / OUTDATED REPORTING PAST 7YRS SINCE 2008 ... .. PUBLIC RECORDS/BANKRUPTCY AND XXXX LIEN, XXXX AND UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW FILE
Product: Debt collection

My wallet was stolen. I checked my credit and saw an account on it. I contacted the debt collector and sent them all of the needed documents they requested. The agreed the debt was not mine but refuses to remove it off my credit report. They are basically holding my credit for ransom.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report earlier this year and noticed there were several errors on my report. The first account listed was a car note reporting multiple late payments. Initially I sent a verification letter to all 3 bureaus on XXXX XXXX. Transunion responded with a frivolous letter stating I needed to prove the validation letters were sent by me. When I sent my validation letters, I attached my Drivers license as a form of identification, however because the responses stated I needed to provide addition proof, I sent a follow up letter confirming I was requesting validation on XXXX XXXX with my Drivers license again. In addition, I never received a response from XXXX or XXXX regarding my verification letter, in turn I sent a follow up letter on XXXX XXXX as well to XXXX and XXXX requesting a this account be deleted since not validation had been completed. My third letter I sent was dated XXXX XXXX, stating how I never received any responses and requesting a deletion of this account if it could not be validated. To date i still have not received any responses regarding the late payments being reporting or an update. In addition, there are several collections account listed on my report as well. I have requested validation of these account on, and still have not received a response. i sent two letters to both XXXX and XXXX. I have attached all of my documents.
Product: Credit card

I RECEIVED XXXX CREDIT CARD ( VISA ) FROM CITIBANK YESTERDAYXX/XX/2015. IT WAS XXXX FOR ME & ANOTHER WAS MY HUSBAND. I NEVER EVER REQUESTED A CREDIT CARD FOR MY HUSBAND. I AM VERY UPSET WITH CITIBANK, HOW THEY GOT HIS NAME. MORE OVER CITIBANK 'S CUSTOMER SERVICE ISVERY POOR. CUSTOMER SERVICE IS OUT OF U.S.A. & THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. THEY DROP CUSTOMER CALL WHEN EVER THEY LIKE TO DO SO. THIS IS VERY RIDICULOUS. CITIBANK SHOULD BE PUNISH TO DO SUCH ACTION WITHOUT PERMISSION OF CUSTOMER.
Product: Credit card or prepaid card

Someone purchased XXXX XXXX XXXX tickets with my information transaction date XX/XX/2023 with 2 transactions. {$550.00} and {$440.00}. 

I disputed with Bank of America. Through their investigation they determined that I had received the service that XXXX charged me for. I did not make any transactions with XXXX. 

The day the charges were made I was flying out to XXXX. So my location is proven with my travel documents which is around the time the transactions were made. The location of the purchaser must be determined to further provide evidence that I did not make those transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to provide the Method of Verification on several items on my credit report. They keep sending me emails saying that the items have been verified however have failed to comply and are in violation of FCRA 611 ( a ) which provides that a consumer may request a description of the procedure used to determine accuracy and completeness of the information ... '' They have had more than enough time as I have sent letters on XX/XX/18, XX/XX/18 & XX/XX/18 and continue to receive the same computer generated letter. I demand that the following items be removed from my credit report : XXXXXXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXXXXXX XXXX XXXX   XXXX UNVERIFIED ACCOUNT XXXX/XXXX XXXX UNVERIFIED ACCOUNT XXXX/XXXX XXXX UNVERIFIED ACCOUNT XXXX.XXXX XXXX UNVERIFIED ACCOUNT XXXX/XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX UNVERIFIED ACCOUNT XXXX/XXXX XXXX   XXXX UNVERIFIED ACCOUNT
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Money transfer, virtual currency, or money service

PNC Wallet card per the company should be linked to online wallet i.e. XXXXXXXX XXXX. The company has not been able to fix the issue for almost a year. In store representatives do not understand why they can not resolve the issue. 

I am also not able to link XXXX  to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to update my current address with Experian and asked them to remove all others but was denie. 

Current and only valid Address XXXX XXXX XXXX XXXX XXXX KY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Tuesday, XX/XX/2020 Equifax XXXX XXXX XXXX XXXX, GA XXXX Attention : Complaint Department On XX/XX/2020, I sent a letter to your agency disputing certain things on my credit report. On XX/XX/2020, I received an email that my dispute could be viewed online. By law, your agency was past the 45-day mark of responding to my dispute letters. The first issue that I have is, I never provided my email address to your agency in my dispute letter. How did you retrieve my email address? I created an account to view the information and was having difficulties pulling the report. I contacted your customer service department on XX/XX/2020, in regard to gaining access to view the results of the credit dispute. At that time on XX/XX/2020 at XXXX XXXX, I requested that my dispute results be sent via mail within 7-10 business days. As of XX/XX/2020, I have failed to receive those results. On XX/XX/2020 at XXXX XXXX, I received another email stating that I should be able to gain access to www.myequifax.com. On XX/XX/2020 at XXXX XXXX, on XX/XX/2020 at XXXX XXXX, on XX/XX/2020 at XXXX XXXX, and XX/XX/2020 at XXXX XXXX, I sent screenshots to customer.care@equifax.com to show that I am still not able to access the dispute
Product: Credit reporting or other personal consumer reports

The following inquiries are reporting on my credit that I never applied for : XXXX XXXX XX/XX/year>, XX/XX/year>, XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Accounts XXXX XXXX, XXXX XXXX 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 Bankruptcy XXXX, Bankruptcy XXXX has violated my rights. 15 U.S.C 1681 section 602 A. Section 1 States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish a account without my my written instructions.
Product: Credit reporting or other personal consumer reports

I noticed some incorrect information on my credit report that seems to be in violation of 15 USC 16c-2. The details in question are not accurate and are negatively affecting my credit.
Product: Debt collection

When checking my credit report, I noted that a new account was created, which did not open. It was opened for {$180.00} in XXXX XXXX Minnesota. I have never bee to XXXX XXXX Minnesota. See attached for more details
Product: Money transfer, virtual currency, or money service

Unable to receive refund or return for money sent to wrong address
Product: Credit reporting, credit repair services, or other personal consumer reports

despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal law. under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. ( XXXX  Account number - XXXX ) DATE OPEN XX/XX/XXXX ( XXXX ) XXXX  Account number XXXX XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX  Account number - XXXX ) DATE OPEN ( XXXX ) SXXXX XXXX  Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX XXXXXXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX Account number- XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX XXXXXXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) in the results of your first investigation and subsequent re investigation, you stated that you verified that these items are being reported correctly? who verified these accounts? you have not provided me a copy of any original documentation a consumer contract with my signature on it. as required under XXXX5 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( a ). furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). please be advised that under 15 USC 1681i ( 5 ) ( a ) of the FCRA- you are required to " PROMPTLY DELETED ALL INFORMATION WHICH CAN NOT BE VERIFIED. The law is very clear as to the civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA.
Product: Student loan

Im a cosigner on my XXXX  loan. I have asked them XXXX, for the last XXXX XXXX to not call me. Even when signing up online I opted out, yet, they call whether the pmt is late or not. On XXXX they called me, I notified him that Ive asked repeatedly to not be contacted, reiterated that desire to him and he proceeded to antagonize me. The account is not in collections, yet, the call profusely every XXXX  near due date.
Product: Checking or savings account

I'm am in the XXXX, so I work rotating shifts. I stopped at a XXXX ATM to withdraw {$160.00}. The ATM did not dispense the funds. Minutes later I tried a XXXX XXXX ATM and was successful. I called my bank ( XXXX  XXXX credit union ) and file a dispute which they credited my account temporarily. A month later, the bank took the funds back and stated that the ATM company ( owned by Prosperity bank ) sent a transaction log showing a successful withdrawal. I called the ATM company at XXXX to gather more information. They stated the same thing, transaction log show successful withdrawal. I filed a complaint with the FTC as well. What else can I do? I feel like I was legally robbed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, Midland Credit Management has incorrectly reported the original balance on their tradelines on my credit report to each credit agency, XXXX, XXXX, and XXXX. This has occurred the entire time they've had a tradeline on my credit report. There are two tradelines. I've brought this to their attention and they refuse to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had the loan for several years they directly told me they do not report to the credit bureaus which I relied upon in agreeing to purchase vehicle. Last years 2020 due to COVID 19 pandemic work reduction I contacted them and let agreed to be on a Covid extension of payments that once again I was told they don't report to credit bureau and they would not do so. I am purchasing a home this month and without any disclosure they reported I was 60 days late twice last month on the credit bureau for the first time. This drastically hurt my credit right while purchasing. I reached out just three weeks ago when I made a payment and they assured me they never report credit. This has caused me financial harm to my current home purchase this month and was not what was explicitly to to me both via phone and in-person. They must remove this from my credit ASAP and follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is persistently reporting inaccurate payment history for my account named " XXXX XXXX XXXX '' with account number " XXXX ''. The inaccurate information pertains to the payment history for the period of XXXX to XX/XX/2017. According to their reports, I was 30 days late in XXXX, 60 days late in XXXX, 90 days late in XXXX, and then inexplicably 60 days late continuously from XXXX to XXXX. The reporting of being 60 days late for four consecutive months is particularly concerning as it doesn't follow logical progression of late payment reporting. I have disputed these inaccuracies with Experian directly in the past, but despite my attempts, the errors remain uncorrected. This situation is negatively affecting my credit score and limiting my access to credit. I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of a data breach and request the immediate deletion and blocking of the following accounts and inquiries from my credit report.

These accounts and inquiries are a result of fraudulent activity, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their removal from my credit file. 
Accounts to be Blocked and Deleted : 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 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 XXXXXXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

I have no knowledge of this debt and I did not receive any communication on this outstanding Medical bill and did not receive notice of my rights to dispute this debt before it was added to my Credit file.
Product: Money transfer, virtual currency, or money service

Hello, my PayPal account can not be link with the bank and withdraw cash. I have called the PayPal customer service representative many times, but the problem has not been resolved. Please help me, thank you
Product: Checking or savings account

Regions bank denied my application to open an online bank account.
Product: Mortgage

Nationstar Mortgage XXXX XXXX XXXX XXXX Tx XXXX are not provide homeowners with prompt, regular, and accurate information about their mortgage loans statements before XX/XX/XXXXbsince the life of the loan beginning XX/XX/XXXX. Under the new federal rule, which went into effect on XX/XX/XXXX, mortgage servicers must send monthly statements ( there are some exceptions ) that contain detailed information about your payment, delinquency, and who to contact for questions. I have called three times regarding statements not being sent timely. I have to waste printer paper and ink to print my payment coupon. The also have a pending class action suit.