23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear XXXX XXXX XXXX, I am XXXX of your loyal AMERICAN EXPRESS CREDIT CARDS holder holding variety of them & have the above credit card. 

I had a promotional offer on the above card & as such I was to spend {$2000.00} in six months of receiving the credit card ( which I received on XXXX ) to get rewarded with XXXX reward points. 

Unfortunately due to two hurricanes Helene & Milton, back to back hitting Florida, we living in XXXX, XXXX suffered in great measure .The turmoil started initially around XXXX when apprehension about Helene striking Florida arose & panic started. 

Amex like many others are trying to help in multiple ways the Florida residents in this trying times. 

However, in my case six months expired around XXXX & I need small indulgence from you to grant me extension by one month only to be able to complete spending of {$2000.00}, to be able to receive my XXXX promotional reward points. 

I may be granted this extra ordinary one time exception in my above mentioned case, only you as CEO can possibly do it & none else. 

This would keep me happy & cement my relationship further with Amex because I would not be loosing my reward points. 

Looking forward to your urgent indulgence in the above mentioned peculiar situation. 

My above request on XXXX XXXX 2024  was declined through a phone call on XXXX, XXXX, 2024. 

I again requested as follows & made a phone call even but with no result and hence this complaint. 

" Hi XXXX, I received a call today from your office declining my request for extension of time despite all hardships we are facing in XXXX, Florida which had two hurricanes Helene & Milton back to back. 

I feel sorry for your response which is based on very strict principles in my case whereas other customers in different categories are being given all concessions. 

Please reconsider my request as a one time exception. ' However, I completed my target spending of {$2000.00} by XXXX. Nothing happened and hence this complaint for appropriate action.
Product: Credit card

On XX/XX/XXXX, I was a victim of fraud. Someone used my signature on a check and was able to remove about {$3000.00} from my checking account. I reported this immediately with my bank, XXXX XXXX. While my case was under investigation, my account was negative. This caused late payment issues with certain credit lines. On XX/XX/XXXX there wa a reversal transaction with an installment loan I have with XXXX XXXX. This must have been reported with a credit burerau. After the investigation, the bank found evidence to explain my innocence. The money was then returned. 

However, in XX/XX/XXXX, Citi bank cancelled my aadvantage card due to a late payment/ reversal that was recorded from the credit bureau XXXX I have all my credit lines set up with automatic payments so the only time this was true was during the investigation of the money that was missing from my account. 

I have asked Citi to re-review my account and they denied my request. I find it unjust that I was a victim of identify theft which caused me hardship for several weeks and then months later, I am still experiencing negative outcome from the situation.
Product: Credit reporting

Credit bureau is reporting inaccurate information I have not entered into a contract with the accounts listed. 
XXXX acct # XXXX XXXX acc # XXXX
Product: Credit reporting or other personal consumer reports

Account was opened fraudulently with XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXX/XX/year> Paramount Recovery Systems, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Subject : Debt Validation Request Pursuant to the FDCPA Dear Paramount Recovery Systems, I am writing to formally request validation of the debt that your company is attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive full verification of this alleged debt before I take any further action. 
Please provide the following documentation to validate this debt : XXXX. Proof of Assignment A copy of the original agreement that legally transfers this debt to your agency. 
XXXX. Original Creditor Information The name and contact details of the original creditor, including account details. 
XXXX. Complete Payment History A full breakdown of how the amount was calculated, including principal, interest, fees, and any additional charges. 
XXXX. Legal Right to Collect Documentation proving your legal authorization to collect this debt on behalf of the original creditor. 
XXXX. Signature Verification A copy of any agreement with my signature that proves I am legally obligated to pay. 
XXXX. Statute of Limitations Documentation proving the debt is within the legal timeframe for collection. 
If you are unable to provide all the requested validation within 30 days, you must immediately cease collection efforts and remove this account from my credit reports as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Additionally, any further reporting of an unverified debt to the credit bureaus is a direct violation of the FCRA and FDCPA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 
Please consider this a formal dispute of the validity of this debt. I expect a response in writing within the legally required timeframe. Paramount Recovery Systems account number- XXXX. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$530.00} To whom it XXXX concern : I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ( section XXXX ). 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and /or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 
I look forward to hearing from you about this specific matter via mail. Please send written communication to the address listed below. 
Sincerely, __________________ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX cc : XXXX XXXX XXXX  XXXX XXXX note that XXXX XXXX XXXX XXXX Code 2-190 require all debt collectors to send specific written documentation verifying the debt. These include : o Proofofmyagreementtopaytheoriginalcreditor ; o Acopyofthefinalaccountstatementissuedbytheoriginalcreditor ; o Abreakdownofthetotalamountdue, showingprincipal, interestandothercharges ; and o Forallothercharges, thedateofandbasisforeachcharge. 

Federal Trade Commission Consumer Response Center NYC Department of Consumer and Worker Protection
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts to rectify this matter, the fraudulent items remain on my credit report, adversely affecting my creditworthiness and financial standing. 

The continued presence of these fraudulent items on my credit report has caused significant hardship, including denial of credit opportunities and undue financial burden. I am deeply frustrated by the lack of progress and the failure of the credit reporting agencies to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). 

I urge that you to intervene on my behalf and ensure that the credit reporting agencies promptly remove these fraudulent items from my credit report. Additionally, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' negligence in addressing this issue. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

First off let me say I am grateful that XXXX of my loans have been forgiven under the updated PSLF guidance due to the pandemic. With that said I did not get a chance to consolidate my loans before Fedloan reviewed my account for forgiveness. On XX/XX/2022 before I consolidated my loans and submitted my employment verification my account was reviewed and loans were identified and forgiven. Due to this happening before I was able to consolidate I now can not utilize that payment count across all my loans. I reached out to Fedloan asking what I can do to revise this and they noted there was nothing I could do since the action was already taken. If I consolidated my loans before they forgave the XXXX loans that had XXXX payments, that payment count would have been applied to the new consolidate loan and all my loans would have been forgiven. Is there any options available to reconcile this? I know others who are in the same situation as I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

information inaccurate on credit report. FTC violation. Must be removed does not belong to me. 

XXXX XX/XX/XXXX {$2800.00} XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXX XXXX XX/XX/XXXX {$99.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding both the company and Experian 's latest response to complaint # XXXX, XXXX XXXX responded that it purchased the loan [ in question ] in XX/XX/2004, although it did not become the mortgagee. It appears, then, that the credit bureaus ended their investigations on a false premise about XXXX XXXX XXXX current role. What law [ under Georgia laws ] gives the initial mortgage lender the right to : 1 ) dishonor and ignore my request for it to discontinue reporting monthly billing amounts [ regarding the old/outdated loan ] ; 2 ) continue to report the false loan information on the flood certificates ; and, 3 ) refuse to correct false information about the current status of the loan? Based on my understanding, each credit bureau should have provided a resolution that is compliant with all relevant laws, including Georgia laws, that are specific to the situation currently at hand.
Product: Credit card or prepaid card

Hello, I live in XXXX and i need your help asap. 
Somebody has hacked my identity and is paying with my identity many things and also bank fraud My bank can not tell me know who is doing this. 
So i am researching my self and i see that they work with Google Pay and also with XXXXXXXX XXXX and XXXX XXXXXXXX I earlier purchased a game called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i bought this game on my XXXX but there it doesnt work any more so i was checking my google phone and now i see that they purchase with fake telephonenumbers games and also debitcard. 

Also i can not close the pay account!! 
Could you please registrate this because its almost a fraud about XXXX XXXX XXXX on bank savings. The police in XXXX is alerted but they need more information to catch them Google Pay id : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This number ( tel ) in the account is not mine = XXXX also in bankaccount pay numbers they changed numbers from my telephone number ( its hacked telephone ) into bankaccounts and payment accounts The number mentioned above is not mine My number is XXXX Can you please help me asap, because it is a big fraude and a need you help My emailadres XXXX another emailadres XXXX Thank you very much. 

Best regards. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Contacted XXXX/moneylion about paying off full balance on my account. Made a call to them Monday XX/XX/XXXX. At that time I made a debit card payment of my full balance amount. Was told by XXXX that the payment would go through in three hours. I called today Friday XXXX because I had not received any email correspondence. Was told by XXXX that the payment was not processed due to their system was down. They were notified about their system being down on Wednesday the XXXX. I should have gotten a courtesy email or call, but didnt. Now Im forced to pay extra four days worth of interest on an issue that was not my problem in the first place.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for their failure to adequately investigate my credit disputes as required by the Fair Credit Reporting Act ( FCRA ) .Despite my follow-ups, XXXX has not adequately addressed these issues. This failure has had a significant negative impact on my credit score and financial opportunities.I appreciate the CFPB 's assistance in resolving this matter and ensuring that XXXX adheres to the legal obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a Certified Debt validation letter to Experian, XXXX, and XXXX  requesting the stated companies provide me with validation of debt for the five accounts listed on my credit report as negative/closed. These accounts are listed incorrectly on my credit report. I have yet to receive any proof of verification of the debts saying that I am obligated to pay them. I have sent in a total of three letters dated, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I have proof of the letters sent and reciepts for the certified mail. These five accounts are seriously impacting my credit score and is keeping me from obtaining new credit.
Product: Mortgage

I received a permanent loan modification through the National Mortgage Settlement from Bank of America on XXXX XXXX, XXXX. I paid three trial payments and then executed the permanent modification documents in XXXX XXXX. In XXXX XXXX, Bank of America subtracted the principal forgiveness as promised. I received a XXXX for {>= $1,000,000} for the year XXXX. I filed my taxes and claimed this loss. But the following month of XXXX XXXX, the servicer, Bank of America put the whole XXXX back on the loan. My mortgage statements still show old payments and old loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputed with Equifax an item on my credit report. Equifax claimed an investigation had been done and the item stayed on my report. About 8 months later I spoke with the finance director at the dealership who was involved in the transaction and he verified I was not a signer on the auto and that it shouldn't be on my credit report. He has contacts at XXXX financial and asked them about the issue. Their process is for the person to dispute the item and they will respond it is inaccurate. I told them I had disputed it 8 months earlier and they verified they had never received a dispute inquiry from Equifax! Equifax is not investigating disputes!! 

I then wrote Equifax a letter letting them know they did not dispute the item with XXXX and asking them to dispute the item or remove it. I wrote this letter in XX/XX/XXXX and they received it XX/XX/XXXX. ( Letter and proof of receipt by Equifax attached ) As of today Equifax has still not responded to my inquiry. 
I really need help with this matter. The item on my credit report is clearly not my debt and is damaging my credit. 
I appreciate your time Thank You XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been scammed in an attempt to protect my mother 's trust. 
My brother was the trustee for my mother 's account. He died suddenly, and I became the trustee. A few weeks after he died, I received a couple of calls from men who identified themselves as agents from my bank ( XXXX XXXX ) asking me to authorize a few large large sums of withdrawal requests from MY checking account. I realized they were from my mother 's account, NOT mine. I was advised that I needed to protect her account since these were scams, so I was told to transfer her monies temporarily to a different account, a SAFE bank account with The Bank of America. Since it was a large trust, meant to take care of my mother, I agreed to get her money out of XXXX XXXX and have it transferred to Bank of America. They gave me the account name and number to which the monies were to be transferred. The following were the dates and transfer amounts. 
Sent on XX/XX/2022 : {$7200.00} done on my phone Sent on XX/XX/2022 : {$48000.00} done on my phone Sent on XX/XX/2022 : {$68000.00} done in person at my bank Sent on XX/XX/2022 : {$42000.00} done on my phone Sent on XX/XX/2022 : {$96000.00} done in person at my bank Sent on XX/XX/2022 {$95000.00} done in person at my bank Sent on XX/XX/2022 {$61000.00} done in person at my bank Also transferred {$70000.00} from two annuities ( by phone ) to the SAME ACCOUNT WHICH THE SCAMMERS SET UP FOR ME IN A NEW BANK OF AMERICA ACCOUNT. I HAVE THE BANK OF AMERICA ACCOUNT NUMBER. 
When I realized this WAS a scam, the following agencies were contacted. 
XXXX XXXX Bank of America The Attorney General of Virginia Federal Trade Commission FBI - IC3 Form Social Security Administration XXXX Fraud Alert 3 lawyers who told me I would probably never see this money. They didn't want the case. 
The result : The SCAMMERS set up the account at the Bank of America, told me the account number and name. I DID NOT, but was led to believe that this was a SAFE account and I could preserve the money she needed to live on at the Bank of America, until XXXX XXXX was cleared of any wrong doing. My whole family is now separated, one from another, feuding over how I " LOST '' their mother 's money. Much heartbreak!
Product: Debt collection

I contacted both XXXX and Midland Funding concerning an account that is listed on my credit report by Midland Funding. XXXX was unable to provide an explanation of the exuberant charges that Midland Funding was attempting to collect. Midland has not provided an explanation of the charges either. I have contacted them by fax, phone and mail. This account undoubtly includes cramming charges not authorized by me and that I do not owe. XXXX 's practice of cramming is well outlined in a complaint filed by the FTC where XXXX has agreed to reimburse negatively affected customers for these erroneous charges. 

Not only has Midland Funding continued to try to collect these unowed amounts but they also have reported this to the credit bureaus and verified the reporting of the same when I attempted to dispute the charges with the credit bureau. 

To date although requested Midland Funding has provided no valid proof that I owe this debt and can not provide the same because I do not owe this debt due to the cramming charges.
Product: Checking or savings account

ON XX/XX/2019 I RECEIVED A ELECTRONIC LETTER TELLING ME THAT THEY WILL CLOSED MY ACCOUNT ON XX/XX/2019 I CALLED BECAUSE I BELIEVED WAS A ERROR BECAUSE THEY NOT HAVE ANY REASON TO DO THAT. 
THE REASON THEY SAID THAT I USE MY ACCOUNT FOR BUSINESS, ADVISE THE CUSTOMER SERVICE TO REVIEW MY ACCOUNT BECAUSE I JUST USE THAT ACCOUNT FOR PERSONAL USE ONLY AND NOTHING ELSE THAT PAY MY BILLS AND DEPOSIT MY PAYROLL CHECK, THEY SAID THAT WAS THE REASON IN NOTES IN THEIR SYSTEM. I OWN TO THEN A LOT OF MONEY THIS IS NOT EVEN MAKE SENSE.
Product: Credit reporting 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 items : XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX : # XXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNATHARIZED INQUIRY TO MY CONSUMER REPORT DAMAND FOR XXXX SETTLEMENT I recently pulled my credit report and seen two unauthorized inquires on my report. The unauthorized inquires are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ) I have never authorized any transactions with CREDCO As well as I do not have an account as defined under 15 USC 16939 ( a ) with CREDCO for reviewing of any sort. 
CREDCO is liable to me in the amount of XXXX for actual damages. I am willing to settle the matter without liability if you comply to my terms. 1 ) Cease and Desist obtaining my private information from the credit reporting agencies without my written consent 2 ) Pay me XXXX and deliver it to the above or address within 10 days of receipt of this demand or 3 ) Increase my credit line in the amount of XXXX. 
Please be advised that I am prepared to litigate pursuant to 42 USC 1983 if you do not comply with this demand.