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

American Express has been giving me the run around, lying about who I am speaking too, has not given any customer service to help mend the problems I have had that has drastically impeded my business. I reached out to the executive team to be met with a false promise to correct the issues no phone call directly from them and still more of the same. Silence. 

I would tell my story to the customer service rep only to be transferred around and around and around and around around. Even then, nobody knew why I was calling so I would have to start from scratch. 

My American Express limit was drastically reduced during Covid for no reason. I pay my bills on time, in excellent standing since 2001. They needed paperwork I could not get too due to covid in which case they lowered my limit which hurt my business credit needs. 
I called many times and to no avail. Just given run around. I then appealed claim in XXXX which they said would be addressed within 10-14 days which they have not done anything with. I sent in all information, bank statements tax returns and no contact. They did not even know where the paperwork was. Then they said they found the paperwork but I needed to submit it again so it is more current. This also took me time and finance to pay my controller to get all that together. 

I would try and use my card and spent literally 4 hours a day trying to get the fraud flags off my card. Which meant every time I charged my card it would be declined. Declined, declined. I called and asked to speak to supervisors they would pretend to be a supervisor and then when I asked for their name and title they said they were not supervisor level. They have given me the run around about two major issues with no direct resolve. I emailed the head of fraud and credit and that was left on deaf ears. 

They have critically hurt my business, I have taken tremendous painstaking time to resolve issues to no avail. I have had to cancel meetings to handle these issues to no avail. 

Lenders aren't required to notify cardholders regarding credit limit decreases unless the reason for the decrease was based on adverse information on a credit report. They had zero reason to decrease limit and did it during a time we were on lockdown. 

They lied, gave me the run around, have put me through the ringer both financially and through my time devoted to resolving this issue. I want my credit limit reinstated, I want to have better service and interest fees waived as well as membership fees. 

I find it interesting how credit card companies want to hear back from you when they need payment ( in general ) but when we have serious issues that impede our business they do nothing but give the run around. 

Please help me as I have tried for the last 9 months to straighten this out. There is no accountability and then to make matters worse I spent 20+ hours trying to use my card charge by charge just last week that is not including the many many hours upon hours spent trying to get someone to listen. American Express should be ashamed of themselves and their claim of being customer service oriented. 

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

I previously sent toXXXX and Experian documentation that I have been a victim of identity theft, please see attached FTC report and required Identification again for this second request
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and DELETE them immediately from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX  will not remove a fraudulent charge off account that was opened using my social security number. My wallet and tablet was stolen out of my car and later that month a installment loan, along with a buch of inquires for request for credit cards was opened using my social security number. The account was opened XX/XX/2018. Amount {$310.00}. The company is XXXX  XXXX. I have sent them a police report for the fraudulent activity and they still will not remove the negative information. I have been disputing this account for over a year now without any luck. Why am I suffering for someone else 's wrong doing? It's against the law for them to report negative, fraudulent accounts. I need this account removed. Each time I disput this account I ask for some kind of documentation liking this account to me. They always send a letter back verified without any signatures, drivers license, or some kind of contract agreement. I never had a account with these people, nether have I ever defaulted on anything. I have perfect payment history and pay all my bills and credit cards on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER IS REPORTING ERRONEOUS INFORMATION ON MY CREDIT FILE. I SETTLED MY ACCOUNT IN FULL IN XXXX OF 2021. PLEASE SEE THE ATTACHED SATISFACTION LETTER. YET SANTANDER IS STILL REPORTING THE ORIGINAL BALANCE ON ALL 3 MAJOR CREDIT BUREAUS. PLEASE CORRECT THE ERRONEOUS INFORMATION. THE ACCOUNT SHOULD BE REPORTING AS SETTLED WITH A XXXX BALANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXXXXXX Balance : {$1100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXXBalance : {$3900.00} XXXX XXXXXXXXBalance : {$0.00}
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX is my lender for solar panels installed at my residence. Initially, the lender was " XXXX XXXX XXXX '' until my loan was transferred/sold to XXXX XXXX. 

Upon switching to XXXX XXXX there was no website or digital access to my loan. All correspondence was done via mail, sending a check from my bank. However XXXX XXXX switched to an online service at sometime in the summer of XX/XX/XXXX. This caused many errors and was apparently a difficult and poorly managed transition. 

My minimum payment was around {$78.00} for a one year grace period per initial contract with the solar manufacturer and XXXX XXXX. After this time period end a new amortization schedule was created making my minimum payment {$280.00}. All of this is fine. However there was also a Federal tax credit for installing solar panels. I received {$4000.00} in a tax refund that I sent in the form of a check to XXXX XXXX. Unfortunately XXXX XXXX lost this check and it was never cashed. Of course I had my bank cancel the check and then payed the minimum payment of {$78.00} for two months, since the {$4000.00} was supposed to have been paid in XX/XX/XXXX. Therefore I paid {$150.00}, which is exactly two months of payments for XX/XX/XXXX and XX/XX/XXXX. This was demonstrated to XXXX XXXX by sending them my bank account statements. 

Spruce Finance started claiming that I missed a payment and is now requiring me to pay two payments of {$280.00} with an additional {$15.00} per month of " late fees. '' They automatically drafted a payment of {$580.00} without my knowledge from my account. I called their XXXX number and spoke to several telecommunications agents that were not helpful in resolving the issue. I sent a fax on XX/XX/XXXX with my bank statements from XX/XX/XXXX and XX/XX/XXXX that shows I made the payments they are saying I missed. I also sent them a copy of the XX/XX/XXXX statement from XXXX XXXX that shows I owed a minimum payment of {$78.00}, pre-amortization. I received correspondence from them saying they received my fax are are again reviewing my account. However they are still saying I owe them {$600.00} in past due amounts. 

I have records from my bank that prove I never missed a payment. These documents have been sent to Spruce Finance and they have acknowledged that they were received. However they have done nothing to fix the problem. I have continued to make the minimum payments of {$280.00}. 

It appears that either Spruce Finance has poor account management, which poses a huge risk to consumers, or they are engaging is criminal practices that effect multiple clients. Essentially, they have skimmed $ XXXX monthly late fees from me when I have never missed a payment. At this point, given their inadequate communication ability, I am not sure I will get this money back. So who is benefiting from the money I have lost? This organization is ready for an external audit to expose their irresponsible and/or criminal practices. 

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

I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX  they can not access my credit file. My full name XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX loans to the Departmrnt if Edication that are still showing on my credit reports and should be removed bc they have been paid in full via collection of debts from my federal tax returns. All XXXX show closed with a {$0.00} balance.
Product: Debt collection

XXXX XXXX XXXX XXXX located in XXXXXXXX XXXX has been hunting me down to collect a debt that existed ever since XXXX, but what was the most bizarre is the hospital is located in XXXX, but the courthouse that the lawsuit was taking place in is located in XXXX XXXX which is an entire XXXX minutes from me. There is a jurisdiction for XXXX XXXX located on XXXX XXXX in XXXXXXXX XXXX  so why have court all the way in XXXX where they know the people they were suing had no means to reach the courthouse to dispute that their claims??? And the institution targeted low income to financially struggling individuals they know dont have the money to pay them we are now in XXXX 8 years which to my knowledge that XXXX XXXX has been after me, I swear the statute of limitations for any debt is 7 years. I get revolving accounts, but Ive never know revolving accounts to be related to medical debt. XXXX XXXX sold my account to First Financial Investment Fund V, XXXX for collections and there was communications from XXXX about destruction of my credit, etc. Come to find out, XXXX XXXX became a mainstream topic when XXXX XXXX went under and the institution blamed unpaid medical expenses as the problem when there was so much more happening at time like the lawsuits for unexplained Medical mal-practices ; I felt that the unpaid medical expenses was just a cop-out to hide the true problem that was going on at time which was the reported Death toll that was caused by the facilitymoving forward I have contacted XXXX XXXX  repeatedly throughout the years to explain that I have a XXXX XXXX  daughter I care for so my money is tied up caring for her, and I have even went as far as outright telling XXXX XXXX that I dont have the extra funds to spare I took on employment that could give me just a little bit more to help with my daughters expenses which I also made known even again most recently when I got sued and Im likethat do you think you will get out of me while Im struggling??? I have had other medical debt before, but this XXXX place is out of line now reporting to my employer of the debt and little do they know by them notifying my employer of the debt may very well be the end for real of them collecting anything because this job requires a certain credit level and income to debt ratio to keep it and they very well may have gotten me fired which means they still are not collecting anything. 
Whatever hot water XXXX XXXX is in, they need to handle that vs. trying to wrap everyone in on their dirt.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report, Please removed this account from report, its hurting my ability to obtain credit.
Product: Checking or savings account

A company by the name of XXXX XXXX XXXX  charged me for staying at a property from XX/XX/XXXX - XX/XX/XXXX. There was an altercation that unnecessarily escalated due to the involvement of XXXX XXXX  which resulted in the police being called, in-which, I requested the police provide a police report to serve as record. I agreed to vacate the premises immediately only if my remaining balance for the stay was returned. Miraculously, no one was available to confirm however I was promised this would happen and I sent an email to confirm for the record. When it did not happen, I felt the need to dispute the charge with Capital One which I corroborated with the email I sent confirming I vacated the premisses and confirmation of a new reservation. The vendor then responded with a summery of inaccurate events. One of which accused myself and the occupants of smoking XXXX which is nowhere in the police report. We are all back and have locks, therefore, I can only conclude that such false accusations are in direct violation of my civil rights. Despite the evidence provided, Capital One refused to respond to the additional proof provided and has refused to reinvestigate which violates there pledge to the safety of my account. Please note that both establishments have not only violated my universal declaration of human rights but also my civil rights and regulatory pledge to the safety of my finances. Based on the clarity of the of the images provided ( attached ), the absence of the address in-which I allegedly stayed, and missing signatures/confirmation that this was truly me, it's evident that Capital One is basing it's decision on the false summery provided by the vendor. Based on these facts, following this complaint, I will be presenting this case to the department of justice, Bureau of Democracy, Human Rights, and Labor, FDIC, and the Federal Reserve as this is the second case of despair that Capital One is at the root of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had residential mortgage loan with XXXX XXXX XXXX, XXXX, Loan No. XXXX. The Loan has been paid off as of XX/XX/XXXX. All payments on the loan were made by automatic electronic payment system through my bank. No payments were ever late. However, in XX/XX/XXXX, for unknown reason, XXXX returned one payment, even though it was the same as every prior payment on the loan. XXXX then started charging late fees, and applying subsequent payments to that payment. Upon learning such and speaking to XXXX representative, I made double payment. I also spoke to supervisor and upon sending in the bank record showing EVERY payment from my bank, the representative approved removing late charges. XXXX, however, continues to list late payments on my credit report. It is adversely impacting my credit, and I am in process of applying for new loan. I spoke with XXXX customer service 2 weeks ago and was told they would respond in 10 days. No response has been forthcoming. I sent urgent email last week. After years of similar payments by my bank, XXXX acted capriciously in rejecting my timely payment. XXXX once did acknowledge the error and removed the late charges. XXXX, however, is not correcting the credit reporting on their error, and it is adversely impacting the credit of my reports ( XXXX XXXX XXXX ) and my wife 's reports ( XXXX XXXX XXXX ). XXXX needs to remove adverse reporting on my credit on on my wife 's credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute Letter Regarding Non-Compliance with FCRA 15 U.S. Code 1681o Dear Equifax, I am writing to formally dispute the non-compliance of your organization with the Fair Credit Reporting Act ( FCRA ), which has resulted in negligence and civil liability under 15 U.S. Code 1681o. I have reason to believe that your failure to comply with FCRA regulations has negatively impacted me, and I am requesting immediate corrective action.

Details of the Non-Compliance : Negligent Handling of My Credit Report : FCRA violation, such as failure to investigate a dispute properly, incorrect reporting of information, or lack of proper notification on XXXX XXXX account. 

Failure to Conduct a Reasonable Investigation : There was failure of investigation with the legal timeline given 30-45 days on XXXX XXXX account. 

Harm and Damages Incurred : Due to your organizations negligence, I have suffered financial, emotional, or credit-related harm, such as denied credit, increased interest rates, or emotional distress. 

Legal Basis : Under 15 U.S. Code 1681o, any person who is negligent in failing to comply with the FCRA is liable for : Actual damages sustained by the consumer due to the negligence.

Attorneys fees and costs, if legal action is pursued.

Requested Action : Immediate investigation and correction of the inaccurate information on my credit report.

Written confirmation that the issue has been resolved and that no further incorrect reporting will occur.

Compensation for damages incurred due to your negligence, as permitted under 15 U.S. Code 1681o.

If I do not receive a satisfactory response within [ reasonable timeframe, e.g., 30 days ], I will be left with no option but to escalate this matter, which may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies.

Please consider this matter with urgency. I expect a written response outlining the steps you will take to resolve this dispute. You may contact me at XXXX XXXX should you require any further information. 

Sincerely, XXXX XXXX
Product: Mortgage

I am behind on my mortgage payments due to loss of income. I XXXX  a senior citizen and am having difficulty finding work. I have requested a loan modification and or payment arrangement until I can find a job. The company apparently started foreclosure proceedings, although I never received notification of that. The company responded with a very large payment amount and strict deadline dates, even though the deadline is prior to my once a month Social Security deposit. They have been intact able and refuse to let me speak to anyone who will work with me. They also request that I make these very large payments WHILE they continue with foreclosure proceedings.I have never dealt with a mortgage company that is so incompetent and heartless!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was served garnishment papers at work on XX/XX/XXXX and the company suing me was Javitch Block representing XXXX XXXX. When I called the courthouse, this was from papers that had been originally served and money taken from my check for 6 months back in XXXX. Apparently when Javitch block ceased taking money from me, they supposedly didnt collect the full amount. I was never made aware of this and I had not been contacted in over two years regarding this. I have called 10 times in 10 days and left 4 messages with no contact back. I have sent emails with no communication back. How can they come back and just start taking more money from me when there was no communication? Why was this not resolved in XXXX when they were taking money the first time? Why will they not reach back out to me?
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from all credit reporting agencies and I noticed inquires that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. After contacting the CRA I was met with push back even though I expressed inquires in question did not belong to me and the creditors agreed to the inquiries are not attached to any file or application they have with my personal accurate information. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Debt collection

went to original creditor to fix problem they told me i owed a XXXX balance and they were calling the gla collection company to have it removed from my credit reports gla seems to be drgging their feet on the issue please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and the companies responded and some got deleted but there are still fraudulent items reporting on my credit report. I submitted a complain again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.