23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have an American Express credit card before, during I travel out of the U.S., someone stole my credit card information and use my credit card in U.S. After I found the fraud transactions, I reported to American Express . However, they just blocked my account and finally sold to a debt collector. This has great impact in my credit report. I called them so that we can resolve the problem, but they just asked me to call the debt collector. When I called the debt collector and told them the situation, they ask me to call American Express. Then I called American Express again and wanted to negotiate with them, but they refused, and they keep asking me to call the debt collector. When I try to call the debt collector again, they never pick up my phone. Again, I call American Express, they still keep asking me to call debt collector. 
The reasons I need to complain as follows : First, someone hacked in American Express 's system and steal my information is their fault, they failed to maintain a security system to protect their customers. 
Second, after I reported fraud transactions to them, they fail to handle this problem, instead, they just blocked my account. 
Third, American Express locked my account and sold it to the debt collector without contact me. ( they did not contact me, they even did not send me an email ) Fourth, I called them to resolve the problem, but they refused to negotiate with me. They keep asking me to call the debt collector. When I told them I can not reach the debt collector, they refused to solve my problem.
Product: Credit reporting or other personal consumer reports

Recently I XXXX XXXX did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( 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.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 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 : XXXX XXXX XXXX XXXX # XXXX Balance {$5800.00} Date opened XX/XX/XXXX XXXX XXXX # XXXX Balance {$0.00} Charge off {$3400.00} Date opened XXXX XXXX XXXX XXXX # XXXX. 
Balance {$3900.00} Date opened XX/XX/XXXX XXXX? XXXX # XXXX. 
Balance {$0.00} Charge off {$3400.00} Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX Balance {$69.00} Date opened XX/XX/XXXX Equifax XXXX XXXX XXXX Balance {$5800.00} Date opened XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Validation of Debt and Cease and Desist Notice Account Number : # XXXX To Whom It May Concern, I am writing to formally request validation of the debt referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a detailed validation of the alleged debt. Please be advised that statements alone are not sufficient evidence of a debt, as established by the case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

Accordingly, I am requesting that you provide the following documentation : A detailed accounting of the alleged debt, including the original creditors name, the amount of the original debt, and a complete transaction history. 
Any and all relevant agreements, contracts, or documents bearing my signature that would indicate my obligation to pay this debt. 
Furthermore, I am issuing a cease and desist notice. This includes the following instructions : Cease and Desist All Communication : Do not contact me further in any manner, including but not limited to, phone calls, letters, emails, or text messages.

Cease and Desist from Reporting to Consumer Agencies : This notice also includes a demand for removal of this account from all consumer credit reports. 
Please be advised that any continued communication, including reporting this account to consumer agencies, will be considered a violation of this cease and desist order. 

Litigation Costs : Should it become necessary to pursue litigation due to your failure to comply with this request, the following are estimated costs associated with such action : Filing Fees : {$350.00} Service of Process : {$100.00} Legal Representation : {$200.00} per hour ( estimated 10 hours ) = {$2000.00} Court Costs : {$150.00} Miscellaneous Costs ( e.g., document preparation, travel ) : {$100.00} Total Estimated Costs : {$2700.00} Please consider this letter as a formal notice of my intent to seek redress through legal means if necessary. I expect your prompt action to cease all further communication and to remove the account from my consumer reports. 

I appreciate your immediate attention to this matter. Please send written confirmation of your receipt of this letter and your compliance with my requests.
Product: Checking or savings account

OnXX/XX/2021, Chase bank has restricted access to my money in the business account a week after opening the account. No reasons have been given, no official communication have been sent, no customer service attended my calls, the branch employees were not able to assist, my several complaints have been ignored. I would like to regain access to my money in the account. The bank behavior towards me is not acceptable, the banks should not have the right to accept opening account then restrict it without providing reasons. My account is now been restricted for more than 45 days and cant find a way to understand why or to be able to speak to anyone.
Product: Debt collection

This company contacted me on XX/XX/2020 regarding a debt I've disclosed was opened without my permission. They stated they will show up to my personal home address to serve me and then stated that they are in jurisdiction to have police arrive with them. They claim they have the legal authority to do so when I questioned a debt collection agency representative showing up at my home. They said they are not a debt collection agency and don't have to follow as such. Told me I should study law and understand they are within their rights to call me names and threaten to show up to my home with police, because it's not illegal. I was called " ghetto '' by a XXXX XXXX and continued to be told they would contact me 100 times a day on a dialer since I wouldn't stop calling them trying to rectify the situation. They also said they would not document that I was requesting information on how to get this handled since account is not mine, and they stated they would document me as a refusal and show up to my home. I spoke with 3 different representatives. I unable to capture the first one 's name because he refused to provide me with company information upon request. Refused to send any written correspondence or confirm a good call back number so I could confirm was not scam. When found number to call, it went to ONE rep, XXXX XXXX, who continued to hang up on me every time I called and tell me they would only talk to a " irresponsible '' person like me when I hired an attorney. I explained I'm not hiring an attorney and that I wanted the calls to stop since they weren't wanting to talk to me, and XXXX XXXX stated they will call as many times as they liked. As well, no mini-miranda was stated at any point during any of the calls, not inbound recordings or when inbound to rep and not once during the outbound calls made to my cell phone after confirming they were speaking with me during the one phone call. I attempted many times to contact the company back and continued to get the same representative XXXX XXXX. A rep XXXX XXXX also told me he wouldn't talk to me but instead contact my supervisor and tell them what I'm responsible for, he said he was sure they would love to hear how I don't like to pay my bills. I advised that I do not want any contact to employer and I was immediately transferred to XXXX XXXX. They state that the calls are recorded but told me that I was lying about the statements made to me and refused to assist me any further. I am worried my information is being shared without any validation they are speaking to correct party or disclosing this was a debt. I apologize if this is all over the place as I am beyond frazzled and scared that this is going to escalate and I could lose my job over this due to calls.
Product: Credit card or prepaid card

I received letters on XX/XX/XXXX stating that there was usual activity on my personal and business accounts with FirstFinancial Bank. My personal credit card was approved for {$15000.00}. My business line of credit was {$30000.00} and business credit {$20000.00}. My business accounts were never used and the letter reported that it was unusual activity. I called the fraud department the XX/XX/XXXX and was informed that my accounts were frozen but they couldnt see why. I spoke with the branch manager and she was unable to see why as well. I spoke with a XXXX XXXX First Financial Bank saying that they were working on resolving the matter for the activity and none of the accounts were being closed and they wanted to keep me as a customer. Unbeknownst to be I received notification XX/XX/XXXX via my XXXX and XXXX that my personal credit card was closed and reports as a settlement on my credit. It also stated that the credit card account had been closed since XX/XX/XXXX. I opened this account in XX/XX/2023 Ive made on time payments over the minimum amount. To report to the credit bureaus that I agreed to a settlement is false, because I havent spoke to anyway. When opening my personal line of credit, personal credit card, business line of credit, and business credit I submitted all requested documents. I have never experienced a financial institution closing a credit card account with on time payments and reporting the balance as settled with notifying the customer. We were also informed that the company has frozen/closed over XXXX XXXX American accounts without notifying their customers
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency never had a permissible puXXXXpose Under 1681 b ( 2 ) to furnish anything on my consumer report. I never consented to this report in the first place. Under 15 USC 1681a ( 3 ), the consumer reporting agency assumed this role without permission, not only that, you did not have consent. You guys did not respect my right to privacy which is under 15 USC 1681a ( 4 ). The consumer reporting agency did not exercise their grave responsibility, they were unfair and partial. I am demanding this account be suppressed immediately from my consumer report : XXXX XXXX XXXX XXXX : Account Number : XXXX : Amount : {$35000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has furnished a consumer report about me without my consent. THEY BROKE THE LAW. 

15 U.S. Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 

I, the natural person/consumer never gave experian written consent to furnish a consumer report about me.
Product: Debt collection

During a routine check of my credit reports in XXXX, XXXX, I discovered a collection account posted that I had no knowledge of, nor contact regarding. I called Consumer Adjustment Company, spoke to XXXX XXXX, who informed me it is an account from XXXX belonging to XXXX XXXX XXXX for {$350.00}. I asked for any information to verify or validate the debt, and questioned that I had never been notified through mail, e-mail, phone, nor any other means. My understanding is that they are required to notify me within a reasonable time to allow me to dispute prior to posting the collection to my credit reports. They have sent me nothing, nor have they contacted me, nor have they removed the item from my credit reports. Upon my investigation, I discovered that this was a part of an XXXX data breach that victimized auto-pay customers and their personal and bank data. XXXX XXXX XXXX  was one account involved, was remedied, settled, and closed. Why a collection agency would attempt to revive an account that is time-barred by the statute of limitations, let alone that it was closed years ago in remedy of the data breach. Also, that the collection company would not attempt to contact me prior to placing the account on my credit report violates my rights under FDCPA.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. US DEPT ED 2. US DEPT ED
Product: Money transfer, virtual currency, or money service

Paypal refused to send Paypal debit Mastercard ending in XXXX, & now requires extensive verification to login, leading to conclusion of data mishandling. 
This is why I attempted to close account which Paypal refuses, insisting on completion of non-existent pending transaction. Paypal insists I transfer direct deposit to account, & potential inactivity fees as I was given a digital card.
Product: Money transfer, virtual currency, or money service

Ok i have a xoom account and i transfer money to myself from prepaid card to prepaid card and i use them because you could use it over differ states etc so this morning i transfer XXXX into my acount and they have a 30 min policy if you cancel within 30 mins they will send money straight back you dont have to wait the three to five days so i tranfer nothing happened with 10 or 15 mins so i cancel my transaction and call them to refund my money they tell me i have to wait five days because they got a hold on my money and thats my rent money because my rent man be out of town alot so that why i transfers card to card because he can just take his payment off and not miss with my other cash any other time xoom would take only 5 or 6 mins it there i would like to receive my money so me and my kids want be out side
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. BANK OF AMERICA XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Debt collection

Me and my brother owed a apartment complex we stayed at. Right now it's hindering us from getting a place to stay. My mom called and payed off his remaining balance and asked can she get a letter saying that it's been payed off. The lady tells her " Oh we can't send you that until the other account is payed off because they are linked '' How are they linked? They accounts have 2 different account numbers. And his account is paid in full yet they haven't removed it from his credit. It's been over a month. I chatted online with a rep and was told I owe XXXX. Then she begins to tell me my balance is due in her office no later than XX/XX/18 or collection efforts will still continue. Then she changed the date to XX/XX/2018. I told her so she expects me to pay XXXX in 3 days. Then she says if it is in her office by XX/XX/2018. Then my mom called the other after a payment was taken out for my account. They proceed to tell her the payment was posted to my brothers account. She asked how in the world was it posted to my brothers account when his is paid off? The told her it would be fixed and his account will be marked as paid off. Then they told her my account balance was XXXX. But in the chat I was told XXXX ( which I have the chat saved for that purpose ) .The original creditor XXXX XXXX XXXX XXXX was just bought so shouldn't the debt be cancelled?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Subject : Request for Deletion of Derogatory Information Under Metro 2 Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the Metro 2 Reporting Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the five points of compliance set forth by Metro 2. 

The following items are being disputed : 1. XXXX Date Opened/Closed Date/Date Reported 2. XXXX Date Opened/Closed date/Date Reported In accordance with the five points of compliance under the Metro 2 Reporting Format, I would like to highlight the following concerns : 1. Accuracy : The reported derogatory information contains inaccuracies and erroneous details that misrepresent my credit history. 

2. Integrity : The information provided does not maintain the integrity and completeness required by the Metro 2 guidelines, leading to an unfair representation of my creditworthiness. 

3. Completeness : The derogatory information fails to provide complete and comprehensive details necessary for accurate credit reporting, creating a misleading perception of my credit profile. 

4. Timeliness : The reported derogatory information includes outdated or untimely data that should no longer be reflected on my credit report, as it does not align with the required timeliness of Metro 2 reporting. 

5. Consistency : The reported derogatory information lacks consistency across different credit reporting agencies, further raising concerns regarding its accuracy and reliability. 

To facilitate a thorough investigation, I am providing detailed explanations for each disputed item, along with supporting documentation. It is imperative that you adhere to the Metro 2 Reporting Format in examining each disputed item and ensuring compliance with the five points of compliance. 

As per the Metro 2 guidelines, I kindly request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Additionally, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made.

I understand the importance of upholding the principles of accurate and compliant credit reporting. Failure to address this matter in accordance with the Metro 2 Reporting Format may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws.

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the Metro 2 Reporting Format, ensuring fair and accurate credit reporting. Please keep me informed throughout the investigation process. 

I appreciate your prompt resolution of this dispute. 

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

Home Point Financial mortgage company falsely reported late mortgage payments. Payment due on XX/XX/XXXX, My Bank records show that Home Point cashed my check on XX/XX/XXXX, then on XX/XX/XXXX reported to XXXX XXXX that my payment was more than 30 days late.
Product: Credit reporting or other personal consumer reports

I am writing to escalate my dispute of the late payments/charged-off account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Despite multiple previous disputes, this account continues to appear on my credit report as " verified. '' However, I have reason to believe that the information being reported is either inaccurate, incomplete, or unverifiable, and I demand a more thorough investigation as per my rights under the Fair Credit Reporting Act ( FCRA ). 

Dispute History : I disputed the accuracy of this charged-off account, but it was verified without substantial verification or any supporting documentation. I have since filed additional disputes all of which have resulted in the same verification outcome without addressing the inaccuracies I have raised. 

Specific Issues : Failure to Provide Adequate Verification : The FCRA requires that all disputed information be thoroughly investigated and verified. I demand proof that the creditor has provided full and complete documentation to support the charge-off status. Simply verifying this information electronically without validating it with original records is insufficient and violates the FCRA. 

Inaccurate Reporting of Payment History/Balance/Delinquency Date : The information reported regarding the payment history, balance, or delinquency date does not match my records. If these details can not be confirmed by the creditor with supporting evidence, they must be corrected or removed from my credit report. 

Potential FCRA Violation : If the credit bureau or creditor can not provide accurate and complete documentation to verify this charge-off, you are required by law to remove it from my credit report. Continuing to report this inaccurate or unverifiable information may be a violation of my rights under the FCRA.

Action Requested : In light of the ongoing inaccuracies and incomplete verifications, I am formally requesting the following actions be taken immediately : A full re-investigation of this charged-off account, including the provision of concrete, written evidence from the creditor, such as original account documents that prove the accuracy of the reported information. 
Removal of this charged-off account if the investigation reveals that the information is unverifiable, incomplete, or incorrect. 
A detailed written explanation of how this information was verified, including the specific steps taken to investigate my dispute and the documents relied upon for verification. 
Further Action : If this issue is not resolved, I may consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursue legal action for violations of my rights under the FCRA and FDCPA. I trust you will handle this matter promptly and in compliance with federal law. 

Enclosed are copies of relevant documents supporting my dispute, including a copy of my credit report with the disputed account highlighted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX collections for XXXX XXXX is a fraudulent account on my credit reports that gas been disputed and a identity theft report filed. Along with a police report submitted to credit reporting bureaus. Please assist in removing this account. Transunion closing dispute without reinvestigation and removing fraudulent account.