23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This bank issued me a credit card, to be specific the " apple rewards '' card which is ok but i did n't really realize all i could get back is XXXX rewards. I do n't care for XXXX that much. When i tried to apply for an additional card with this company they told me " well we want to see if you are going to pay the bill on this card etc etc '' that seems a bit discriminatory to me seeing as how they could see my credit report and the fact that everything i have is paid, not late, nowhere near the credit limit and i have been responsible with this one the little bit of time i have had it. A card that gets me cash back i can use for paying the bill or while shopping would better suit me so if anything i would want to open a different account and role the available credit i have from this card onto another card with a higher limit. I do n't mind keeping this card but i think i am deserving of a different card as well with a better limit. XXXX gave me a XXXX limit and i have been just fine with it and very responsible. I plan to purchase my first house in 2 years so i am not messing up my credit. Its nice to have so many cards but i would rather just have XXXX or XXXX with large limits instead of all these XXXX-XXXX limits here and there
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXXXXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX  XX/XX/XXXX {$1500.00} XXXX XXXX XXXX  {$15000.00} XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Card number XXXX American Express stole {$91.00} from my credit card. 

Amex has charged my card by {$91.00}. It shows in my transaction history as Fees and Adjustments. XXXX XXXX XXXX XXXX. 

I spoke to two Amex representatives who said they don't know what the charge is and also they cant see the charge in their system. 

I spoke to a customer service manager at Amex who said that he can see the charge but he has no clue why Amex charged my card. He also said that the system doesnt give him any description for the charge. 

The customer service manager put the call on hold and spoke with the fraud department of Amex and the fraud department told the manager that they have no idea why this charge was placed on my card. Its quite obvious that the fraud department of Amex would not have any clue especially when Amex themselves have stolen the money from the credit card. 

I asked the manager to dispute the charge to which the manager said that the system is not letting him dispute the charge. 

This is STEALING.
Product: Credit reporting or other personal consumer reports

I told.them it was a double. Charge and. XXXX XXXX  would verify they don't listeXXXX
Product: Payday loan, title loan, or personal loan

I used this company for a {$800.00} loan in XXXX. I signed up for the loan payments to be automatically withdrawn from my checking account. I did not check to see if the company was withdrawing payments. I received the " Notice of Right to Cure '' letter via email on XX/XX/XXXX. I have not received any other emails nor any letters mailed to my home. When I talked to the company representative, she said that several calls were made to my phone. I receive several calls a week from scam callers. I usually do not answer calls with unidentified phone numbers. She said that do not send physical mail. She also stated that they do not settle on debt. I requested a paper to show how what they say I was owed was calculated, she said that do not provide that information. It would be in my contract. I attempted to access my account with this company, but it only lists the phone number. I included the letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NOTICE OF RIGHT TO CURE Dear XXXX XXXX Notice Date :XX/XX/XXXX Credit Transaction Account No : XXXX Loan Contract Dated : XXXX XXXX is the LAST DAY FOR PAYMENT. 
{$3700.00} is the AMOUNT NOW DUE. 
{$0.00} is the amount of delinquency charges included in the AMOUNT NOW DUE. 

You are late in making your payment ( s ). If you pay the {$3700.00} on or before XXXX, you may continue with the contract and existing payment schedule. If you do not pay by the XXXX, we may exercise our rights under the law, including but not limited to, acceleration of the loan. 

If you have questions, please contact us at ( XXXX ) XXXX from Monday Friday XXXX XXXX to XXXX CST and Saturday - Sunday XXXX XXXX to XXXX XXXX CST. 

Balance Credit Team ( XXXX ) XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXL XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I ask to change the name of my reciever.. and they change but they ask a new MTCN no. Because the MTCN no XXXX was already unavailable ...
Product: Credit card or prepaid card

I was AMERICAN EXPRESS customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Checking or savings account

I have been having issues setting up the US Bank online app, and have had issues for months with the bank, state farm insurance online payments, phishing schemes, and my USPS mail being delivered places it should not be. I realize part of the issue is my own with communications in person, an in public. I have had issues previously with online accounts being hijacked, stalking in person, and had issues with XXXX  police department and an incident involving my WiFi getting hacked and a bill for calling XXXX, and having sound XXXX and the XXXX police department with either entrapment, tampering, and planting data. I keep getting alerted to attempts for password for secure login/ login.gov that is not at my request. I need to speak with the health department, and Department of justice as soon as possible. 
Thank you
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

16 U.S. Code 1681i ( XXXX ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX these accounts are being reported inaccurately.
Product: Credit reporting or other personal consumer reports

I looked up my credit report on XX/XX/2023 and sent letters to experian. my tracking numbers are XXXX, XXXX, XXXX. They said the letter did not appear to be sent directly by me, however in the letters it states " I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. '' It is clear they did not read or attempt to process these disputes. They sent an automated letter to stall. I have attached the highest identification documents possible. This has been extremely damaging to me as it has been over XXXX  days. these inaccurate items has caused me to be denied credit. I have done everything in my power to try to fix the situation with nothing being done. This is my last effort before seeking litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND EQUIFAX HAS FAILED TO DELETE ALL NEGATIVE REMARKS ON MY PREVIOUS STUDENT LOAN ACCOUNTS. XXXX  DELETED ALL BUT ONE NEGATIVE STUDENT LOAN ACCOUNT. I WAS NEVER LATE ON MY STUDENT LOAN ACCOUNTS. THE LATE PAYMENTS OCCURED AFTER THE LOAN WAS ALREADY PAID OFF AND CLOSED FROM A CONSOLIDATION I DID. A LATE PAYMENT CAN NOT OCCUR ON AN ACCOUNT WHEN THAT ACCOUNT HAS BEEN PAID AND CLOSED. HOW IS THIS POSSIBLE? I HAVE TRIED TO FIX THIS DIRECTLY WITH THE LOAN SERVICER IN WHICH THEY CLAIM THEY HAVE FIXED THE ISSUE. BUT IF YOU SIMPLY LOOK AT MY CREDIT, THE ERRORS ARE STILL THERE. CFPB NEEDS TO ESCALATE THIS TO THE HIGHEST LEVEL POSSIBLE AS THIS IS A COMPLAINT THAT HAS BEEN ONGOING FOR OVER A YEAR AND COUNTING!!!!!!!!!!!!!!!!!!!!!! I AM DISGUSTED AT HOW THINGS ARE BEING INVESTIGATED AND " RESOLVED ''. THE ONLY RESOLUTION TO THIS IS TO DELETE ALL NEGATIVE INFORMATION TIED TO MY PREVIOUS STUDENT LOAN ACCOUNTS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX marked my account as a charge off and it was actually paid by insurance and gap insurance and they collected over {$13000.00} from the two different insurance from the total loss claim
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My Chase College checking account was blocked and closed by the bank on XX/XX/2018. I was sent a final statement for my bank account and it said that there was a XXXX debit for a check charge, however, I never received the remittance check for this account. 

I contacted the bank regarding my funds and I was told by a customer representative that the funds would not be sent back to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/2025 To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update XXXX XXXX with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

I received urgent medical care for my XXXX XXXX XXXX in XX/XX/2018. I called around looking for urgent care, because that would cost lower than emergency care, when XXXX hospital told me they had urgent care. I arrived and stated I was seeking urgent care. I received care and upon payment, they told me they do not offer urgent care and I received incorrect information from the receptionist. I paid the copay for urgent care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters ( 1 ) received XX/XX/XXXX and signed for by XXXX ( 2 ) received on XX/XX/XXXXsigned for by XXXX. 
I have disputed this account with I.C. Systems 2 times for an account that says I owe {$540.00}, both times requesting documentation and neither time have they responded with any documentation bearing my signature that i have a contract with them. According to the FCRA if they cant produce this it must be removed and never reappear on my credit files with any credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Creditor : Credit Acceptance Co
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Experian Credit Reporting for their inaccurate reporting of mXXXX XXXX XXXX XXXX XXXX ( Revolving ) account number : XXXX. This account was opened on XX/XX/2021. The information being reported by Experian Credit Reporting is inaccurate and is violating several laws, including the Fair Credit Reporting Act. 

I have reviewed my credit report and found that Experian Credit Reporting is reporting inaccurate information regarding the addresses associated with this account. They are reporting the following addresses : " XXXX XXXX XXXX XXXX, CA XXXX '' and " XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX. '' However, I have never lived at these addresses nor have I authorized XXXX XXXX to report these addresses or account to Experian Credit Reporting. 

As per 15 USC 1681i ( 5 ), it is the responsibility of the credit bureaus to modify or delete accounts that are not reporting accurately. However, despite my efforts, Experian Credit Reporting has failed to take any corrective action. They continue to report false information, which is affecting my credit score and ability to obtain credit.

Moreover, as per 15 USC 1681b ( 1 ), credit bureaus must have written permission from consumers to report their information. However, Experian Credit Reporting has reported my XXXX XXXX XXXX XXXX  ( Revolving ) account without my written permission, which is a clear violation of this law. 

Furthermore, as per 15 USC 1681, I have the right to privacy, which has been completely disregarded by Experian Credit Reporting. According to 15 USC 1681s-2, 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 information is inaccurate. The credit bureau has been notified of the inaccuracies, yet they continue to report false information. 

Therefore, I demand that Experian Credit Reporting delete the inaccurate information immediately, including the incorrect addresses associated with my XXXX XXXX XXXX XXXX ( Revolving ) account. Additionally, I request that they compensate me for the financial losses and emotional distress I have endured as a result of their inaccurate reporting. 

I urge you to take immediate action against Experian Credit Reporting and ensure that they comply with the laws that protect consumers ' rights. 

Thank you for your attention to this matter. 

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

I disputed an account, it was removed from all the other credit reports except for XXXX. I received verbal confirmation that it had been removed from Healthcare Receivables Group on XX/XX/2022 when I called on XX/XX/2022. I paid the original creditor on XX/XX/2022. I submitted a dispute, but according to XXXX the debt collection agency, the original creditor is still reporting the account as unpaid and open to XXXX I've been getting the runaround from both companies about how to proceed. I had another verbal conversation that it had been removed on their end ( HRC ) on XX/XX/2022, and that it is no longer with them per their supervisor. I had received additional confirmation that it had been taken off of the report on XX/XX/2022. 

Health Care Receivables Group 's contact info is XXXX XXXX XXXX XXXX XXXX, the original creditor 's contact info is XXXX XXXX said that they can't remove it unless XXXX reports it as removed and that they will do so as soon as it's reported to them, XXXX has said that it's up to XXXX to remove it. Receipts are attached, it's been paid in full. I'm very frustrated and tired of getting the runaround from both companies.
Product: Debt collection

In accordance with the fair credit reporting act and 15 U.S. Code Chapter 41, this creditor has violated my rights.

Under 15 U.S. Code 1692c - Communication in Connection with Debt Collection 1. Limitations on Contact : Debt collectors can not contact me at inconvenient times or places. Specifically, they can't call me before XXXX XXXX or after XXXX XXXX. unless I agree to it. This company calls and texts me even after I have requested them to stop in writing and verbally. I have received calls at XXXX XXXX on a Sunday. If I request that a debt collector stop contacting me ( in writing ), they must cease communication, except to inform me of specific actions, like legal proceedings. 
2. No Contact at Work : If I inform a debt collector that I can not receive calls at my workplace, they must stop contacting me there. This company has called my work place. 

Under 15 U.S. Code 1692g - Validation of Debts 1. Debt Validation Notice : Within five days of first contacting me, a debt collector must send me a written notice with details about the debt, including : * The amount owed * The name of the creditor * A statement of my rights to dispute the debt 2. Right to Dispute : I have the right to dispute the debt within 30 days of receiving the notice. If I do so, the collector must stop collection efforts until they provide verification of the debt. I have not received a notice.

3. Proof of Debt : If I request it, the collector must provide evidence that you owe the debt, which may include documentation from the creditor. 

My credit report has been negatively affected and I did not give the company permission to furnish any items on my credit report. 

This debt has not been validated and I did not receive any notices prior to the item being furnished on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXX XXXXDispute Chapter XXXX bankruptcy petitionDispute Chapter XXXX bankruptcy dismissedDispute ftc violations please remove names : XXXX XXXX XXXX XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victm of identity theft