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

I had an open Complaint with CFPB XXXX, it was closed when American Express sent a letter with no resolution? The letter response to above complaint has American Express admit that they failed to initiate the proper fraud investigation on XX/XX/XXXX when I called the fraud department. American Express also admits that they never that the fraudulent debited monies from my personal checking account was to be returned XX/XX/XXXX email. The made an error and forgot to do this. I had placed many calls about this and was assured it would be taken care of it. After 15 months it is still not resolved. I will not closed out my complaint until American Express returns the {$8000.00} taken from my account by American Express. 

Dear XXXX XXXX, As a member of American Express since XX/XX/XXXX, I never had a company admit fault in their handling of procedures and not help or rectify the issue or mistakes. American Express admits they failed to initiate a fraud investigation on XX/XX/XXXX when I spoke directly to the Fraud department in a panic as my card was being charged in XXXX for over {$120000.00} dollars. American Express admits in an Email letter on XX/XX/XXXX that the fraudulent debited monies from my personal checking account was never credited back and it was an error on American Express part. All this should have been handled at the time. After my phone call from your former CEO office, I was told I would receive assurances that my issues would be addressed and my {$8000.00} be returned. I was to have follow up on how all this was mis-handled by American Express. The {$150.00} token credit was given for my troubles. I never received any more correspondence or answers from this office. Your letter is an insult to my troubles caused by American Express and the response from American Express is sorry for any trouble we caused you and you have to deal with it on my own? American Express needs to return the {$8000.00} that they fail to handle when it was brought up immediately by me. I will contact an attorney if need to. Clearly your letters admit fault. 
As for the so call emails sent to me, all legal correspondence from American Express was always sent to me in letter form. The emails I receive are only a message to log on to my account to retrieve a message. Does your office know that since my account was closed and I received three different sets of cards since the breach, every time I logged on, I had a message my account inactive closed. I was unable to see any messages. 
The response to CFPB from American Express is an insult to me and clearly shows deep issues at American Express Fraud protection services.
Product: Payday loan, title loan, or personal loan

I am experiencing financial hardship and am consolidating all of my debt into a debt management plan, which LendingClub refuses to honor. If I am reaching out to LendingClub asking for their help to fulfill my obligations of my loan, how can they get away with not helping me, the consumer. I am willing to pay the remaining balance {$4500.00} of the original {$6000.00} loan amount, but with a reduced monthly payment of {$120.00} for 36 months which roughly equals {$4500.00}. This is more than reasonable and very financially responsible on my part. I just can not afford the originally agreed monthly payment of {$240.00}, which my debt management counselor at XXXX XXXX XXXX can confirm. 

Thank you, in advance. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX at XXXXXXXX XXXX I tried to withdraw {$800.00} from an ATM using my Cash App Debit card. The transaction was canceled, and no money was received, but the money was taken out of my account. I was trying to take the money out to pay truck payment and my family 's home electric. I've disputed the issue with cash app and have been working with the bank which the atm error occurred, XXXX XXXX XXXX XXXX XXXX XXXX XXXX received the dispute from Cash App, XXXX XXXX sent the dispute to their dispute department, where their dispute department accepted the dispute and sent it back to Cash App. Cash app continues to deny my disputes even with proper evidence to support my claim. The past few weeks have been a severe struggle not having that money to pay for truck, electric, fuel, and food. Cash App representatives continue to disconnect the line middle of conversation. The only update they give me is that its processing in a different department. They can't connect me to that department and the cant even send a note to my claim to that department to attempt to fast track my claim, so my family is hurting anymore. I believe that Cash App has unethical ways of doing their services and support. I am not the only one to have experienced this with Cash App and most people give up and don't ever see their money. Cash App representative 's do not care to help. I am a XXXX  veteran that should not have to stress on whether I will see my money again cause a large corporation has a hold of it and are not willing to do some work and get it straightened out. I am a very upset American XXXX veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The inquiries, which appears on my credit report from TD Auto Finance dated XXXX/XXXX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a business purchase of {$9900.00} from XXXX. We always use this company as well as a few others because we order online and these are very expensive items and they dont have stores locally so online shopping is the only way but we always use these companies because they require a signature upon delivery. That is their policy and thats why I choose them. Long story short the tracking number said delivered so we all checked for it and there was nothing so we thought maybe they delivered it to wrong house because it requires signature so we knew someone had to have signed for it so we checked the surrounding houses. Some people laughed so we thought maybe they stole my package so we went to the post office and they claimed they never asked for signature so they just left it on doorstep saying its protocol because of covid but that is a lie because I just had to go to the post office to pick up an order that was XXXX bucks and the company doesnt even require signature but since it was high amount they required it for this time which Im very happy with because I was not home and the area isnt the best so I know there is no excuse for them to just release the package with no signature especially WHEN THEIR COMPANY POLICY REQUIRES SIGNATURE ON EVERY ORDER! I tried getting the company to reship it to me with signature being required this time and they refused. Keep in mind they told me a signature was made via email when I was talking to them and XXXX confirmed that was not true. They left package with no signature. I refuse to pay almost XXXX dollars when I never received what we ordered. I tried getting them to reship and I was denied. I made a dispute with my bank ( chase ) and they denied my claim stating although I had very strong valid points supporting my case that they are still holding me responsible to pay because it was a valid purchase. Please help me. I cant pay for something that expensive that we did not receive. I had to buy cameras after this because of the trauma from all of this. I never thought my bank would leave me high and dry like this. I will file police report, i will sue them or do whatever I need to do but this is unacceptable and this is a blatant robbery. I told the bank we could get on a 3way call with XXXX  just to confirm what I say is true and they denied the call and info I provided and denied my claim. I can show you screenshots from the company website where they state that they REQUIRE SIGNATURE ON ALL ORDERS. We can call XXXX as well about my claim because they have it on file where I called numerous times and went to talk to them in person. They have on file that no signature was required upon delivery. I am having to pay for things we never received simply because this company decided to cut corners and not follow THEIR OWN POLICY. Please Im desperate for help here. Please help me. What do I need to do. I cant take a blow like this. We needed these items for our marketing campaign for the business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are not reporting my credit card account with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Account Number : XXXX My account is reporting with XXXX but not with the other two companies. Can you report this account with Transunion and XXXX? 

Thank You, XXXX XXXX XXXX
Product: Credit card

I have been a victim of fraud and Identity theft. I have reported XXXX to all XXXX credit bureaus about this and they have went to every extreme to notify this company that I was a victim of identify theft and fraud. I am also contacted the company stating that this not my account and sent in an affidavit stating it is not mine. I have also had my attorney to submit a letter to this company and they still have yet to respond back to me or my attorney. I am very furious about this because I have sent supporting documentation to this company even though they think the social number matches name and birthday they still think it is mine account. I have never opened a credit card with these people at all. I am very furious about this and this is my second time reporting it to CFPB and I still have not gotten any satisfaction from this company about this account. I have went over and beyond doing what I need to do about this and I do not know what other steps there is to take. If this is not off my credit by this company by XXXX XXXX as requested by my attorney please let this company know that we will sue them for continuing to have negative untrue things on my account about having a card with them. This is the last time I will be contacting them about this account next time they will be receiving a subpoena from my attorney for a appearance date in court. I expected to hear back from this company before XXXX XXXX. If not further action will be taken by my attorney and I know you got her letter because it was sent next day. Please have the company contact me back before XXXX XXXX so that we can try to settle this out of court if not legal action will be taken.
Product: Credit reporting or other personal consumer reports

Late Payment Dispute for dates XXXX, XXXX and XX/XX/year> for account ending XXXX. The late payments referenced herein violates my rights as a consumer and pursuant to the legal authority 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ) as the consumer reporting agency, you have failed to uphold your legal responsibilities. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, this account reports alleged late payments that have not been verified or proven per to the legal authority 15 U.S.C. 1666 ( a ) and ( b ). As a result, and pursuant to the legal authority 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) the consumer reporting agency shall promptly delete an item found to be inaccurate, incomplete or can not be verified. The reporting of negative transactions pertaining to this account violates 16 CFR 313.4 313.9 without my permission and portrays me in a false light without proof of claim.
Product: Debt collection

This company purchased a debt XX/XX/year> and placed it on my credit card. No attempts to contact me by phone or mail.. I need validation of proof of communication attempts To whom it may concern I am writing in response to your letter dated [ insert date of their letter ], which I received on [ insert date you received it ], regarding an alleged debt with reference/account number [ insert reference or account number ]. 

Please be advised that I am formally disputing the validity of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide proper verification of the debt you claim I owe. Specifically, I request the following : XXXX. The name and address of the original creditor ; XXXX. The original amount of the debt and any interest or fees added ; XXXX. A copy of the original signed agreement or contract ; XXXX. Proof that your agency is authorized to collect this debt. 

While this matter is in dispute, I request that you cease all collection activities, including reporting this alleged debt to any credit reporting agencies, until the debt is validated as required by law. 

If you can not provide sufficient proof, I request that this matter be closed and that you confirm in writing that the alleged debt will not be pursued further. 

Thank you for your cooperation. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was behind in payments with credit acceptance. The account became 120 days delinquent and they reposed the car at that time. I called the same day that the car was reposed to see what my options were. They explained the process and how much it would be to get my car out and we set up a new payment plan with a new payment date. They still continued to report my account as delinquent to the credit reporting companies even tho I entered into a payment arrangement and made my payments since on time every month.
Product: Mortgage

My mortgage company refuses to report any of my on time payments to any/all credit bureaus. My credit record does not reflect the last four plus years of monthly payments. As a result, my credit score has suffered.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section XXXX, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section XXXX states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX, XXXX 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 XXXXXXXX. I demand the removal of these INQUIRIES : XXXX XXXX, XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the removal of these ADDRESSES : 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 demand the removal of these NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In spring XXXX, a hard inquiry showed up on my Equifax report from XXXX XXXX. After many phone calls, it was determined that my identity was used to open a line of credit through XXXX XXXX for XXXX XXXX XXXX purchased at XXXX. After many more phone calls, I received a letter from XXXX XXXX  saying that my identity was used fraudulently and I was able to close the XXXX XXXX account. 

Even though I have disputed the hard inquiry multiple times with Equifax, they won't remove it from my account and the PDFs they sent with the dispute results are corrupted files, so I cant open them. XXXX XXXX says that they sent a deletion request to Equifax, but as of XX/XX/XXXX the hard inquiry remains on my account. I dont know what else to try. I have proof my identity was stolen, but Equifax wont accept it.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 
XXXX XXXX, XXXX. 
XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against World Finance Corporation located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, World Finance Corporation has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. 

Here is the remaining account : XXXX  XXXX XXXX Balance : {$5800.00}
Product: Debt collection

This debt was originally with XXXX XXXXXXXX XXXX Purchased by LVNV Funding who used a law firm to collect payment. I paid the debt in full and received confirmation from the law firm that it was settled. However, this is still being reported in collections by LVNV funding.
Product: Debt collection

I have disputed the account with all credit agencies ( XXXX, Experian, and XXXX ). Each agency has found that it was not my debt and removed it. Then it pops up on my credit a few months later under a different debt collector. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my requests have gone unanswered as to why they still allow the debt to be placed on my credit again under a different debt collector after successfully removing it. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) XXXX XXXX, XXXX, XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. this is fraudulent. It is reporting as Account details Account Number XXXX Date Opened XXXX XXXXXXXX XXXX  Last Activity XX/XX/year> Original Creditor XXXX XXXX Monthly Payment {$580.00} Term Source Type Calculated Current Rating Collection/Charge-off Status Open Type Individual High Balance {$580.00} Unpaid Balance {$580.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Account details No History Is Available Collection agency XXXX Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Money transfer, virtual currency, or money service

Money was sent to my Cash App account, and in return I attempted to withdraw some funds, but my account was locked! They claimed it was blocked and under investigation for my protection. They also stated that it would be unblocked between 24-48 hours, which began roughly at XXXX Central time, Friday, XX/XX/25. Its now XXXX, Central time, on XX/XX/25, and my account is still locked. My job and bills are at stake at this point! Please advise!
Product: Credit reporting or other personal consumer reports

In XXXX this year my home mortgage with Wells Fargo was deleted from my XXXX credit report and my XXXX score went down from XXXX to XXXX I call both Wells Fargo and XXXX and both are blaming each other and neither Wells Fargo or XXXX are fixing the problem. I try numerous times with both company 's to get an explanation and we went nowhere. Your help in this matter will be greatly appreciated. 

Thank you XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Someone called my cell saying they are the fraud dept of citi bank and I need to withdraw immediately {$1900.00} from my checking accouant purchase XXXX gift cards give them the card number and access code asap .When I got back home I got the same thing with my XXXX XXXXXXXX XXXX XXXX I withdrew {$1000.00} from different accouant because I did not have the amouant in one accouant. I was told in 6 hours the money will be back in the accouants.Never happened. I called the bank and I was told to contact the police XXXX XXXXXXXX XXXX Police report # XXXX.XXXX from the fraud dept told me he changed the ip address on my computer the new onw is XXXX I did a FTC report too # XXXX. Then today XXXX  XXXX XXXX told me to call XXXX to see if I can stop the gifts cards XXXX said its too late here is the XXXX case # XXXX