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

American Express has failed to abide by legal rights of consumers for fraudulent charges in the following ways:

"unauthorized charges. Federal law limits your responsibility for unauthorized charges to $XXXX;" - They charged me $XXXX for a fraudulent unauthorized charge.

"charges for goods and services you didn't accept or that weren't delivered as agreed;" - I did not accept the services and the the merchant attempted to deliver services that were substantially not as described and agreed.  The merchant also made false claims which American Express accepted without any evidence, proof or documentation.

"If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money." American Express has claimed I owe the full amount but they have not provided any written explanation or any documents proving I owe the money despite multiple requests.  I do not owe the money, I refused the services.

"If the creditor's investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. You may ask for copies of relevant documents. "  No documentation has been provided despite multiple requests.  No reasonable explanation has provided regarding what I owe and why.  American Express has only repeated the false claims of the merchant stating that I was a "no show" rather than the truth that I refused the services.  There was no representative of the merchant on site that could attest to whether I showed up or not (I did).

"If you disagree with the results of the investigation, you may write to the creditor, but you must act within 10 days a
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect personal information on my credit report.. 
Incorrect name and address on my credit report... 

correct information on my credit report should be as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Re : XXXX XXXX XXXX XXXX, Company continues ( 6th attempt ) to refuse to share electronic documentation as requested re : Under the Americans with Disabilities Act ( ADA ) 42 U.S.C. 12101 et seq., individuals with disabilities have the right to receive communications in an accessible format, including electronic communication, as a reasonable accommodation.

Fair Collections & Outsourcing reports debt alleged to be mine. The company fails to provide a verification of debt letter as required upon request, nor furnished a signed contract and/or addendum related to any contracts I have signed. The company also fails to provide any contract which may have been assigned.
Product: Credit card or prepaid card

I pre viously had a American Express p referred cash credit card. Before I made a decision to cancelled my credit card, I called AE customer services several times regarding the reward dollars and the positive account balance. I got positive answers about I could get my reward dollars back and the account balance back. Then, Icancelled my card. Later, I did get my account balance back through check. However, I did not get my reward dollar at all.     I contacted customer service for several times again. This time, I got very different answers. They said that for reward dollars lower than {$25.00}, I could not redeem them at all. As my account has {$19.00}, there is no other way for me to redeem it.     I do n't feel very comfortable by this answer. First, this is not what I was told before. Secondly, it simply saying that I am going to lose my reward dollars which should also belongs to me as well.     I would appreciate a solution for it.
Product: Mortgage

I didn't realize Wells Fargo had gotten in trouble for their 're-entry program '. I documented all of this awhile back. They foreclosed on my home after numerous attempts of me trying to pay them. I can upload the document ; it is too much to type here. In short I was in their 're-entry ' program and no matter what documents I gave, they kept asking for new documents and new documents until the original set of documents became 'stale '. They kept this up, all the while refusing to accept payments in a purposeful effort to take my house. I hear they are STILL doing this to people as well. I also had a car loan with them before all of this. I had bought the car to do XXXX so I could maintain the income to pay the house. I was approved at first by XXXX but then through some mistake on their part I was not allowed to drive for XXXX. I begged WF to roll over the XXXX? I needed to buy the car outright into the XXXX XXXX? equity I had in the house. They not only refused but laughed at me. Repo 'd the car. Then later tried to take the house. Then after all was said and done they waited 10 years to 'write off ' the supposed loss on the car which very recently went on my credit, and cost me my government security clearance I needed for my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Multiple accounts were fraudulently created and utilized without my knowledge. I notified the credit bureaus hoping for an investigation into this but I was ignored. I am now escalating this matter for resolution which complies with the Fair Credit Reporting Act. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

After a thorough review of the " updated '' information that the company provided after my dispute requests, the company has been found to be in violation of my rights as a consumer. 

15 U.S.Code 1692, I have the right to privacy. I did not give written consent for this information to be publicly furnished on my consumer report.

The company has willingly and knowingly violated my rights as a consumer pursuant to 15 U.S.Code 1681 ( i ) ( a ) ( 6 ) ( 3 ) ( b ).

It states a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5th day a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

I've sent your company multiple letters to validate this alleged debt. Asking for the company to provide some kind of proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Also, I requested that the company provide the name, address, and telephone number of each credit grantor or other subscriber. In lieu of the disputed information, the company willfully failed to conduct a reasonable investigation dispute and your exhausted assumption is not a valid reason under the Fair Credit Reporting Act. The company has not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have the company sent me completeness and or accuracy of information contained in my consumer file. I received a notification via experian.com that the company that reported the information has certified to your company that the information is accurate. If this is true, where is the information Ive requested that I am lawfully obligated to have?.
Product: Student loan

I fell behind on my Navient school loans and have made several calls/attempts to try to get on an affordable repayment plan. I have been told based on my family size and income that i can afford ( x ) dollars and it just is n't feasible. I have asked on several different occasions to work in another type of repayment plan and have been told that due to my income and family size this is what a piece of paper that the person on the other end is looking at is what i am able to afford. That is not the case at all. I would like some guidance as they have been submitting to the credit bureau my shortcoming of payments and its is personally affecting my credit score and opportunities for future purchases.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Experian : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of inquiry : XXXX  XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

SunTrust decided to put a " hold '' on our account without any warning and, what's worse, no explanation. I had to go to three different branches before I was even told to contact a third party company called XX/XX/XXXX to find out why SunTrust had taken all of our money and refused to release it. I was treated like a criminal, laughed at, and hung up on by XXXX at the XXXX, FL branch, who I opened my account with. After waiting for more than 2 weeks for an explanation that would only be delivered by US mail by XX/XX/XXXX I was informed that an old account that was supposed to be closed had an auto payment go through without my knowledge ... and that this was why I had been unable to pay any of my bills or feed or diaper my XXXX and XXXX year old children. What's worse is that I have resolved the " issue '' and SunTrust STILL refuses to release my money to me. I called XXXX again today to tell him that the issue was resolved and that XX/XX/XXXXhad recieved the resolution from my former bank ... He treated me like dirt and informed me that " I would get a check eventually '' before he hung up on me AGAIN. This company is not just a bad business, they are morally and ethically corrupt and could care less about the impact that they have on people who live paycheck to paycheck. I have been to several branches and called their corporate customer service number just to be told, " we don't have any information, we'll have to send an email to our back office and wait for a reply. '' All this happened on my birthday, XX/XX/XXXX. Today is XX/XX/XXXX and despite all the time and effort I have personally put into resolving the non-issue, I have yet to get ANY correspondence from SunTrust ... much less access to my money.
Product: Debt collection

Around XX/XX/XXXX/XX/XX/2016 BBVA Compass Bank said I owed them around {$19000.00} for a signed promissory note. I asked them multiple times to send me a copy of the signed promissory note and that keep sending me a unsigned copy of a note.

Their is not a signed note because Compass and myself never signed one. See attachment of what they kept sending me. Since then, they wrote off the note as a charge off, turned it over to XXXX XXXX XXXX, and reported on my credit reports that I defaulted on their alleged note. I asked them and continue to ask to show me the signed note, which their is not one. How can someone default on a note that was never agreed to and signed by the 2 parties. Any help would be appreciated.

Thank you.

XXXX XXXX   XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have signed up for a service through  XXXX  that basically is pay day in advance service. My bank does not update my current bank account t balance in a timely manner. As of right now, even though the  XXXX  dollars owed to  XXXX  have already been debited, Activehours do n't get timely updates about me getting paid and my current balance ... which is hendering me and my services.
Product: Checking or savings account

My phone was hacked and stolen from me on or around XX/XX/2022. The thief got into my phone which contained my ATM pin in the notes of it. He was able to send {$1400.00} dollars to himself as he hacked in to my pnc+XXXX with my account info that was already saved in my phone. I started a dispute which was denied and not found in my favor. As I have now recovered my phone and changed my pnc log in info, I called again to explain to a representative that this isnt fair, I was hacked. The representative told me I had to verbally give my pin to someone. Well that it is not the case as it was saved in my phone that was hacked and stolen from me, I advised the representative of that. She said she would add it to my account notes as I asked them to please re-dispute this for me. I also asked to speak to a manager. I was transferred to her voicemail, left a voicemail, and never had a call returned to me. Im so upset and the loss of money affected me being able to pay rent.
Product: Debt collection

I am not liable for this debt with XXXX XXXX AND XXXX XXXX and I do not have a contract with CMRE FINANCE plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$160.00}
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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX Request for Removal of Fraudulent Accounts Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Last XXXX digit card XXXX Account XXXX, XX/XX/XXXX Account ClosedXX/XX/XXXXXX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ] and XXXX XXXX XXXX Account Number : XXXX. 
I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 
Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 
Please remove immediately Thank you for your time and prompt attention to this matter. 

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

I am disputing about 5 credit accounts that I found out I had on Experian. I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. I do have 2 credit cards now that I opened and I am paying for. I know about those. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contacted me re : creditor XXXX XXXXXXXX XXXX for the amount of XXXX. They also have my address wrong, somehow this statement ended up with my parents address on it. Don't know what is going on. They sent this letter XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a negative account on my credit report from Paypal synchrony bank. I explained to them that this is not my account. I had identity theft and I asked for something with a physical signature showing that I opened this account. Despite them not being able to provide the proof, having the wrong name and address they still refuse to remove this from my credit file and I have submitted this to all three credit reporting agencies with no improvement. Per fair credit reporting regulations, they are required to report accurate information And they are not but still will not remove this from my credit file. Then they keep changing the status on the act and it keeps affecting my credit score.
Product: Debt collection

I received a notice from Penn Credit Corporation stating that, " The City of XXXX has retained Penn Credit to collect outstanding delinquent parking citations. Previous notices from the City have gone unpaid and remain delinquent. <P/>... <P/>ID NUMBER : XXXX CITATION # : XXXX '' I have no outstanding parking violations. I have received no previous notices. There is no license plate or vin # on the collections notice. Their website is difficult to navigate, & do not have time to wait on hold to speak to someone regarding their mistake. <P/>I am continually getting notices like this that are typically a matter of incorrect data entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Illinois fraudulently filed for unemployment insurance on my behalf. That was reported. Out of caution I have placed credit freezes with XXXX and XXXX Experian did not allow me to file a freeze online and asked me to send in a physical request by mail along with highly sensitive personally identifying information. It seems they are making me jump through hoops to file a freeze to discourage the freeze, and it is working. I will not file a freeze with them by mail due to the potential risk of extremely sending sensitive information by mail including photocopied ID cards. And so, influenced by the behavior of their system, I will not file a freeze with them at all despite the risks to my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed unauthorized and unverified accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Being charged for account lease by XXXX, For furniture that I had purchased and paid for in full same day and prior to original lease witch should have and was supposed to be canceled by store merchant manager due to not being properly trained and having little knowledge in regards to his ( job/position ). Witch led to multiple errors, false information, and countless times schedule to pick up merchandise ordered that I paid for and never received due to being very unprofessional and unorganized.
Product: Credit reporting or other personal consumer reports

I saw inaccurate accounts from my credit report this XXXX so please check the documents I've sent.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


CLOSED : Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Money transfer, virtual currency, or money service

I wired {$2000.00} to Coinbase onXX/XX/XXXX from XXXX, the money is gone from my bank account, but its not showing in my Coinbase account. I submitted a ticket from Coinbase website on XX/XX/XXXX, so far still havent got any actual update from Coinbase except XXXX reply said they already returned money.

Im wondering what exactly happened to the money I wired. Its unbelievable theres a company in US can do this to their customer! Just take money from people!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Saw two accounts and two inquirires that are not mine they do not belong to me and I have not signed or authorized these accounts or used them for that matter I need help removing these from my credit report they are not mine!!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry