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

Thank you for taking the time to read my complaint. 

I was a American Express card holder since XXXX and then they closed my account in early XXXX because I had one angry interaction with an American Express customer service agent. 

Here is what happened. I had placed a credit limit on my son 's card so that he could not spend over a certain limit, however, he went over this limit. This happened every now and then. In the early going, it wasn't by that much, but the last time that it happened it was by quite a bit ... ... .and so I called America Express about this and I attempted to talk to someone. It took me a long, long time to reach an actual person and when I did this person ended up giving me incorrect information about the account -- they essentially said that the card did not go over its " spending limit -- even though it did, and then when I stated that wasn't correct they hung up on me. This, obviously, upset me quite a bit! 

So, then I called the customer service agent back and I let them know exactly what had happened on the prior call and they did not in any way apologize about it. I told them about the card going over its " set limit that I had asked for/and had placed on the account and they said that even with the spending limit that the card could still go over its " spending limit because the card holder could buy essential items such as gas, food etc. They said I should've known this but I do not EVER remember any one telling me this or receiving any information on this. I promise I did know and I could find no paperwork showing this to be true, or any paperwork ever sent to me! The customer service agent was rude and very facetious in dealing with me. And this was not the first time : I had America Express customer service agents get mad at me many times over the years as I begged them to help me with issues such as unauthorized charges. During the pandemic, I had booked a trip to XXXX and there were travel warnings in place to go there after I had paid for the trip through my Amex card and I begged them to help me but they did nothing and treated me like I hadn't been a good customer, even though I had paid my balance in full every month for 15 years. 

On this particular call, I got angry and used one swear word and they closed my account, saying that I violated the agreement between America Express and the card holder. However, I had been having a difficult time due to illness and injury from work and from being disrespected from American Express. I am still shocked that they closed my account since I had a Blue Card and a Gold Card and I paid my bill in full every month, had been with them for years, and had large bills but always paid them. 

I am wondering if they would've done this had I not been Italian American? There were times when I had gone on trips to XXXX and they would make negative XXXX remarks about XXXX and the people of XXXX. I believe this is just one reason why they closed my account after one bad call. I am wondering if you would look into this for me?
Product: Mortgage

Beginning on XX/XX/2020 and for the last three consecutive days I have been trying to log into my account to obtain loan statements to shop a potential refinance on my existing mortgage. Unfortunately I am unable to get anyone on the phone to assist and the website doesnt load any information. Ive attempted to log into my account roughly 30 times and it keeps redirecting in circles. Its unacceptable to not have access to any of my information and no one can help me.
Product: Mortgage

Loan was transferred from previous servicer, Specialized Loan Servicing to the current servicer, ShellPoint, aka Newrez. As advised by Shellpoint/Newrez I changed the address of my eletronic payment and am current on all payments as documented bymy bank. 
Shellpoint has sent email and USPS letters and advisories stating that my account is past due and has failed to correct this issue despite having been furnished with proof of all payments. 
After several months of this, I made my final attempt to contact Shellpoint last week, giving them until Monday, XX/XX/XXXX to contact me back with an explanation of their service failure and advising me what more I could provide to help them. I have received email and USPS correspondence stating that my payment has not been received and my account is past due.
Product: Debt collection

My loan with Educap/Loan to Learn was paid in full in a Chapter XXXX bankruptcy. Subsequently thereafter, on or about XXXX XXXX, I received a delinquency letter in the mail from XXXX XXXX regarding a past due amount on the Loan to Learn/EduCap loan which I thought was paid off in the BK ( I am a cosigner ). The next day, I called XXXX and was told if I didnt make a payment that day, they would report me to the credit bureaus. Knowing how hard it is to remove something from your credit report, I went ahead and paid the past due amount. Luckily, I was able to request a 3 month forbearance thereafter in order to figure out why this loan still has a balance. Since that time, Ive been trying to request loan documents and payment history to no avail. You cant even call the original loan servicer, Loan to Learn/EduCap. They only have a mailing address and email listed on their website. I was told by a manager at XXXX that XXXX doesnt retain copies of correspondence mailed out. However, she said she would request a copy of the full payment history of the loan as well as the letter advising the loan was now being serviced by XXXX. I have yet to receive these documents and that was over a month ago. The only documents Ive received are attached. They say nothing about the relationship between XXXX and Loan to Learn/EduCap. I 've made repeated phone calls following up on the documents but they keep telling me they 're being reviewed. They will not provide me any information for people to contact at Loan to  Learn/EduCap.
Product: Debt collection

Wakefield and Associates have attempted to collect a debt not owed by myself. Upon two disputes via XXXX they have failed to provide the documentation entitled to me by the Fair Credit Reporting Act. Instead of providing the required documents, Wakefield and Associates updated and continued to illegally tarnish my credit report.
Product: Debt collection

I received a letter from Commonwealth Financial Systems dated XX/XX/XXXX. I have no relationship with this company whatsoever. It states my account has been placed with Commonwealth Financial Systems by XXXX XXXX XXXX XXXX XXXX and that the original creditor was XXXX XXXX XXXX XXXX XXXX. The letters states {$790.00} is due from a service date of XX/XX/XXXX. It mentions they will give a 25 % discount if paid within 45 days. 

I immediately assumed this was a scam ( it was addressed to my middle and last name instead of first and last name ). I did not have any outstanding medical accounts ( I have health insurance ) and XXXX XXXX XXXX XXXX XXXX is not even in my state. I did not have any service on the date listed. 

I did a XXXX search for Commonwealth Financial XXXX  and found a large amount of complaints where this company would try to collect debt on false medical accounts and if not collected, report them to the credit bureaus. I did not contact Commonwealth Financial XXXX due to the amount of complains I read about their reps being abusive. I also did not want to relay my personal info. I'm worried they will report this false account to the credit bureaus and impact my credit. I am happy to give you any info you need ( my  name, account # listed, copy of letter, etc ).
Product: Money transfer, virtual currency, or money service

Rights of note holder. Regulation A.B Legal Proceeds, purported violations, UCC unlawful acts, Security Precaution as well as Security fraud. Causing aggrieved party from Rights, Knowledge, mutilated note and misleading practice to holder, reason why i've choice to opt out of any and all authorization i might have giving written unwritten verbal and or non verbal. per 15 U S C 6802 and Privacy Act Act of 1974. TILA.
Product: Mortgage

Hello, I voluntarily surrendered the boat back in XX/XX/year>2024. Since then the lender has refused to provide the necessary documents to take ownership of the vessel. Under maritime law, the lender is required to perform a survey on the vessel when they take possession, they have not done so. They are required to file an affidavit of repossession with the XXXX XXXX XXXX, they have not done so, In order for the bank to take ownership of the vessel, they are required to file a preferred ship mortgage against the vessel & update the abstract of title, they have not done so. They are supposed to keep the vessel clean & operating order, they have not done so, and refuse to communicate with me. They charged {$7600.00} to surrender the vessel, they can't explain the charges. According to all documentation XXXX XXXX XXXX XXXX is the lien holder, however BMO Harris is in possession of the boat. They are evasive & multiple follow up attempts are needed to get them to respond. They are now non responsive.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit, that was not properly investigated. I have filed several disputes with XXXX and Equifax. This dispute is submitted under the FCRA 15 U.S.C. 1681 ( i ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Disputes Reported : Over ten disputes were reported between XX/XX/XXXX and XX/XX/XXXX ; without resolution. 

The inaccurate item at hand is one 30+ late payment from XX/XX/XXXX with XXXX XXXX XXXX I have re-verified this information with an XXXX XXXX representative on a recorded line on XX/XX/XXXX at XXXX XXXX XXXX Stating that my account does not have any marks for a late month, only a returned check fee from XX/XX/XXXX, a fee which was returned to me as a credit after payment was received and the issue was resolved. Once again, it has been verified that my account is in good standing with no late months on file. XXXX XXXX representative submitted a request on behalf to fix the reporting issue that has threatening access to credit, housing, and employment, and housing. 

As per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. In accordance with, 15 U.S.C. 1666 ( b ) 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. 

15 U.S.C 6802 A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. Seeing as the financial institution never provided a consumer notice with 21 days, XXXX and Equifax failed to investigate. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. I have disputed this issue with XXXX and Equifax ; however they refused to launch an actual investigation into resolving the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account : XXXX XXXX  Acct # XXXX was previously reporting on my Transunion report and now it is not. There was a late payment that I disputed because the company was reporting it in error and it was fixed on the other two bureaus but it was removed from Transunion. 

I am in the process of purchasing a home and by this account not reporting ( it was removed and stopped reporting ) by Transunion it lowered my scores significantly. I  have contacted XXXX XXXX  directly several times and they have sent me a letter saying they requested TransUnion reinsert the tradeline ending in XXXX to my report and it is still not reporting after several months. 

I am purchasing a home and need this account to go back to how it was and report on my credit report! The company has requested it to be reinserted. Please help! I need this account to report to buy a home!
Product: Debt collection

Despite your assurance to send a response to my disputes, it has been an unacceptably long time since I submitted my concerns, and I have received no information or updates regarding the investigation. Your bureau 's failure to provide efficient services and a timely response is not only unprofessional but also a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). It is disheartening to note that your bureau appears to be merely responding to letters without conducting a thorough and diligent investigation. I expected a more responsible and proactive approach from an organization of your stature. The disputed account in question is a result of fraud, and I demand its immediate removal from my credit report. 
XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!! 
I insist that your bureau takes immediate and meaningful action to rectify this situation. I expect a comprehensive and transparent investigation into my dispute, along with a detailed response outlining the steps taken and the resolution reached.
Product: Checking or savings account

I attempted to deposit a check drawn on a PNC account into my PNC account and was told the check was being put on a general hold. I received an email from PNC stating just that with no further information but to expect a letter in the mail stating why. I called PNC, the customer service rep told me they just need to verify that the funds will be covered. It is PNC to PNC, she gave me no reason as to why they could not verify funds in the account that check is being drawn on despite it being another PNC account. She said it could take five business day. I deposited the check on XX/XX/XXXX before XXXX. Five business days would be Tuesday the first, but they are holding until XX/XX/XXXX with no reasoning why.
Product: Credit reporting or other personal consumer reports

Requesting for Reinvestigation and my refiling to EQUIFAX. When I reviewed my credit reports I still see the fraudulent accounts, erroneous and inaccurate information reflected in my credit reports. The EQUIFAX must validate these accounts, this complaint to EQUIFAX is in line with Section 609 ( a ) ( 1 ) ( A ) and 611 a ) ( 1 ) ( A ). These accounts needs to be corrected and investigated as they are totally erroneous.
Product: Debt collection

IC System has placed a wrongful derogatory mark on my credit account based on fraudulently charged fees on an already closed cable account. The original alleged debt came from XXXX XXXX XXXX. All equipment was returned in person and services stopped on the last day of then-current billing cycle. XXXX XXXX XXXX continued to bill me despite the account being closed and in turn sold the incorrect debt, which has been sold now several times over. I have successfully removed this debt from my credit several times in the past already, but it continues to come back as it continues to be fraudulently sold when the owner knows full well it is a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EQUIFAX has been reporting incorrect information on my credit report for XXXX XXXX/XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EQUIFAX regarding the XXXX XXXX/XXXX account, which was received by the EQUIFAX on XX/XX/2018. On XX/XX/2018, EQUIFAX responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and 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. I informed EQUIFAX that any automated response or e-oscar verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EQUIFAX has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. 
XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX5 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Product: Debt collection

Frequently called asking for the contact info for my " legal counsel ''. Have not responded to my multiple requests for detailed documentation that I owe this debt. Have continued to call and leave threatening and vulgar messages even when I requested they not.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to an unknown and inaccurate account appearing under my name. As a victim of identity theft, my personal information was fraudulently used, and now I am dealing with the consequences of an account I was never associated with. Following Experians instructions, I promptly filed an FTC Identity Theft Report and submitted all necessary documentation. Despite my efforts, this fraudulent item still remains on my credit report, which is both frustrating and unfair.
Product: Credit reporting or other personal consumer reports

I was affected by the equifax data breach.My personal information was open to hackers to obtain.
Product: Checking or savings account

On XX/XX/XXXX my account was forcibly closed. Support has not provided me any clear information on how they will return my funds to me. Currently {$680.00} is being held in the account unable to be retrieved.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX AXXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX : {$2800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00}
Product: Debt collection

I am being placed on collections regarding a XXXX fire dept brush clearance fees. I self inspected and submitted an affidavit to XXXX fire which they confirmed. XXXX fire department confirmed i do not owe anything to them.