23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report agencys keep upate my credit report with mis use information.and nothing updated in a timely matter .My credit score is going down badily ... I don't know what these companys doing and its a lot inquires on my credit .I don't understand how this credit agency get to get over like .XXXX, Equifax and XXXX.I need my fico score to be updated .Everytime I turn around my score low.I sent all my paper work to prove my stuff was accurate .Also I was fraud victum and someone stole my social security number, This is so important to get this straight.I m not getting treated fair because they ripping me off .I always dream to have a 700 to 800 credit score .Everytime they changimg my credit score and they keep allowing bad things to go on my credit .Also all three companies is being sued to get over on people.I want XXXX XXXX XXXX XXXX to good stands positive to be updated,,, ,XXXX XXXX company my credit saying I owe them. , ,, ,XXXX  off my credit XXXX not my accountXXXX ..student loan off XXXX off the school closed down,,,
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have filed a previous complaint with XXXX, XXXX, and Experian with no response. Can you please assist me in fixing the error. 

These are the facts : I sent letters to the credit bureaus multiple times inquiring about the removal of these unauthorized inquires Items were submitted on XXXX and various other dates. After pulling my report today I am seeing these items are still here. Can you please assist in getting the credit bureaus to respond and assist with taking care of these matters per the Fair credit reporting act.
Product: Checking or savings account

My account was always hit with overdraft fees due to insufficient funds
Product: Credit card

Dear CFPB, I am writing to formally express my dissatisfaction with the handling of my recent concerns regarding my American Express Platinum Card. I believe the practices involved in this matter are unfair, deceptive, and not reflective of the high standards I associate with American Express.

1. Unclear Card Fee : I was charged a card fee that was not transparently disclosed to me. As a Platinum Cardholder, I expect full transparency regarding all associated costs. The lack of clarity surrounding this fee has left me feeling misled and undervalued as a customer ; nor were the restrictions of card feee refunds made clear to me upon r
enewal.

2. Forced Downgrade : When I attempted to cancel my Platinum Card, I was informed that I could not receive a refund for the unused portion of my membership fee. Instead, I was forced to downgrade to another product as the only available option. This left me feeling pressured and trapped in a financial product I did not wish to keep.

3. Denial of Pro-Rata Refund : Despite my efforts to cancel the card outright, I was denied a pro-rata refund for the unused portion of my membership fee. It is unreasonable to charge for a service I no longer wish to use, especially when the decision to downgrade was not made voluntarily but as a result of restrictive policies.

4. Difficult Cancellation Process : The cancellation process itself was unnecessarily complex and felt designed to discourage customers from exercising their right to cancel. This added to my frustration and tarnished my perception of American Expresss commitment to customer satisfaction. Long-winded method to another team, asking multiple questions and not completing the request. 

During this process, I spoke to a representative named XXXX through the American Express chat service. While XXXX attempted to assist me, the outcome of our conversation did not address my concerns adequately and left me feeling further dissatisfied. 

Given these issues, I am requesting the following actions to resolve this matter : 1. A refund of the card fee in question.

2. A pro-rata refund for the unused portion of my Platinum Card membership fee.

3. A review of your cancellation and downgrade policies to ensure a fair and transparent process for all customers.

The inability to cancel outright without financial loss, coupled with the forced downgrade, feels coercive and contrary to ethical business practices. I trust that American Express values its customers and their concerns and will take prompt action to resolve this matter.

I expect to hear back from you within seven business days with a resolution. Please contact me at [ your contact information ] if additional details are required. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to correct this problem with XXXX for some time now. This account was in my bankruptcy, and is named under both XXXX XXXX as the original Creditor and you Quantum collections. I ca n't see why it ca n't be straightened out by them, so im sending you the evidence. If you ca n't help me, I am requesting proof of this account under the fair credit reporting act which I 'm intitled to. This incident occurred when I had my first XXXX and I got it on my Bankruptcy. Not to mention the account is past the statute of limitations to be an open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a credit freeze/block/pin for XXXX, Experian, XXXX  and XXXX XXXX.
Product: Debt collection

I had medical insurance at present time 2014 by the State they made an error that I did'nt have medical coverage when I did. The State sent me a letter showing error and that medical bills will be covered I submitted the proof to the debt collector and they are still trying to hold me liable for the debt.
Product: Credit reporting or other personal consumer reports

Hello I have multiple unauthorized hard inquiries I placed fraud alerts on my credit and contacted each credit bureau and they stated they do not have my information or I never submitted a application or had a account with them but when I try to contact the 3 major credit bureaus ( TransUnion, XXXX, and XXXX ) they state they can not dispute without deletion from the reporting agencies. My credit was compromised between XXXX current of fraudulent/unauthorized activity, here is the current list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

JPMCB CARD Chase Card Services XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Last XXXX of XXXX XXXX The following account was charged off XX/XX/year>. Since then the account has been updated as charged off every month. This is an update in payment history. Charged off accounts should not include active payment history. Under the Fair Credit Reporting Act, creditors are required to report accurate information. If there have been payments or changes to the account status, creditors should update this information accordingly. As I understand, under IRS regulations, creditors are required to report canceled debts of {$600.00} or more using Form 1099-C. 

I am demanding deletion of the following account. 
JPMCB CARD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze Experian and XXXX in XXXX of XXXX. I was able to freeze XXXX only after filing a complaint with CFPB and did that some time later in XXXX of XXXX. 

All three reporting bureaus made it extremely difficult to freeze credit reporting other than by creating an online account. These are too great a security risk for me to do this. I was eventually able to do this by phone for each agency. Each promised to send a pin for verification in order for me to unfreeze reporting. Only XXXX did this. 

I was able to temporarily suspend the freeze on my XXXX account by using the confirmation code sent to my cell phone in XXXX, XXXX. 

I called Experian at XXXX at XXXX pm XXXX XXXX XXXX today, XX/XX/XXXX. I was not able to unfreeze my Experian record by using the confirmation number Experian had provided to my cell phone in XXXX, XXXX. Experian never sent a pin number to my email account as promised in XXXX, XXXX, or by regular mail. The automated process demanded this number to unfreeze my credit record. I asked for a representative. The automated voice said I was not allowed to at that time ( before XXXX pm XXXX XXXX XXXX ). It gave no other other information and ended the call when I kept repeating " representative ''. 

I can not open a new bank account at this time because that bank uses Experian. Experian is attempting to force consumers into opening an online account. As the recent history of severe, uncontrollable data breeches for credit reporting agencies, as well as other centralized services such as state agencies, shows, the risk is almost never worth the convenience. 

Experian should not be able to force me to open an online account in order to temporarily suspend the freeze I placed on my file there. The only other option they offered was to send, via the now extremely unreliable ( thanks, XXXX! ) U.S. mail, all the sensitive information anyone receiving that mail in error would need to permanently ruin my credit history. Experian should have sent the pin via email as promised during the freeze process. The company should send that now, or allow me, as XXXX did, to use the confirmation code sent me when I froze that account. 

Thank you for looking into this.
Product: Credit card

I disputed the missed/late payments on the accounts with Comenity Capital Bank ( listed below ) because I've never been late or missed a payment. All they said was that these accounts were confirmed as accurate. They provided no proof and didn't update anything. 

XXXX Charge account with account # XXXX XXXX Charge account with account # XXXX XXXX Charge account with account # XXXX XXXX  Charge account with account # XXXX
Product: Credit card or prepaid card

My American Express Membership Rewards transfer is still temporarily suspended even though I have met all spending requirements on all credit and charge cards, old and new and paid all my balances. I believe that all spending are qualified and there was no return. I called the customer service, but the transfer they helped me with also failed since American Express stated that they are still reviewing my purchases. In their reply to my last complaint I submitted on XX/XX/XXXX, they claimed that my newly approved American Express Everyday Preferred card on XX/XX/XXXX was the cause of the delay of the review process. But I have met all qualifying spending criteria on this card and have paid all due balance without any delay or any return. I requested American Express to provide me with information that I can help them to understand my spending and the estimated review end date in my last complaint, but they failed to provide me with such information I requested in their response, which prevented me from helping them with more information. Today is XX/XX/XXXX -- it has been more than two months, but my online transfer page is still empty and calling customer service still does not work. This delay has already seriously affected my travel schedules and have brought so much frustration during this holiday season. I have been a loyal American Express customer. But since their response without helpful information to my complaints, I have switched to use other card providers more than American Express cards during this shopping season, and the miles and points got posted and used without any trouble with those other cards. If this frustration continues, I will reconsider if American Express cards suit my credit card needs in the future.
Product: Credit reporting, credit repair services, 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 US DEPT ED XXXX Balance : {$4200.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX, and I'm including it again. BANK OF AMERICA XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Mortgage

We have been trying to get Citi Mortgage to work with us on some type of modification on our loan, we had a hardship and followed the correct procedures and worked with a consomer credit counsolor to get a solution to keep our home, It has been in my family over 65 years and I do not want to lose it. Citi Mortgage has played along like they are trying to help us but never actually do, they kept switching my contract person, I think I had a total of XXXX different people at XXXX time, I sent a Qualified Written request letter request some informaiton on our loan, they sent some info but not the main information that I wanted. 
We have went to court, In court I stated the only way that they are a debt collector and call us and state theya re trying to collect on the loan is if they bought our loan when it was in default. And that is exactly what they did, but when I ask for our assingment records they will not send me the documentation on it. 
everytime I have talked to them they state XXXX XXXX owns our loan. 
I am currently seeking the help of a local lawyer and will appeal our case, there are several things they did wrong. The Judge did not seem impressed with the laws that I had stated that were put in place to protect the home owners and her attitude was, I will let them win and they will still work with you to keep your house. Which I do n't think they will do, so I need to act quickly to the court and make them understand these laws and rules are put in place for a reason and if judges just dismiss them and do not abide by them what good are they? 
Any help you can give us whould be greatly appreciated. 

XXXX XXXX
Product: Mortgage

After mortgage company incorrectly reported to XXXX XXXX that I was " living in a disaster zone '' due to flooding in another area of the state in XX/XX/XXXX, my credit score was lowered by XXXX points, despite the untruth of this ( another complaint to be filed ) Then thry sent me Annual Escrow Account Disclosure Statement dated XX/XX/XXXX which did not included payments already made and informed me I would need to pay additional {$54.00} monthly for XXXX  months to cover proposed XXXX escrow shortage of {$280.00}. {$54.00} XXXX months equals {$650.00} which is greater than the so-called shortage amount. I wrote to them on XX/XX/XXXX asking for clarification. I paid my XXXX mortgage XXXX  days early as I have done for the length of the mortgage ( since XX/XX/XXXX ). They sent me a letter dated XX/XX/XXXX stating they received my inquiry and would respond on or before XX/XX/XXXX. I am still waiting for that letter. Instead, I got a phone call on XX/XX/XXXX and was told my mortgage payment was not credited because it did not include the {$54.00} which they demanded. I was told that they sent me a letter dated XX/XX/XXXX which I still have not received. Instead I got a Notice of Late Charge and the request to pay the mortgage of plus additional escrow amount. I already paid the mortgage on XXXX XXXX. They are now talking about foreclosure,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inclusion of certain personal information in my credit report maintained by your company. Specifically, I would like to request that the following information be removed from my credit report : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information in their credit reports. As you are aware, the FCRA is a federal law that regulates the collection, dissemination, and use of consumer credit information. Section 611 of the FCRA gives consumers the right to dispute inaccurate information in their credit reports and to have such information corrected or deleted. 
In addition to the FCRA, there are several state laws and statutes that protect the privacy of consumers ' personal information. Given the sensitive nature of personal information, it is important that credit bureaus take all necessary measures to protect consumers ' privacy. 
Therefore, I request that you remove the above-listed information from my credit report and confirm in writing that you have done so. Please also provide me with a free copy of my updated credit report. I appreciate your prompt attention to this matter.
Product: Checking or savings account

Having a problem trying to link my banking account to the XXXX.
Product: Credit reporting or other personal consumer reports

The LAW has clearly established that financial institutions are not permitted to sell or disclose my nonpublic information without my written instruction, consent, or permissible purpose, and that I must have the opportunity to OPT OUT. I was not given this opportunity, and this is a violation of the FCRA, GLBA, and FDCPA. 

These are the specific violations that have occurred and the laws that make these actions unlawful with a penalty and remedy if pursued in court : 1. XXXX XXXX XXXX illegally shared transactions and experiences on my consumer reports. This is a direct violation of 15 USC 1681a ( 2 ) ( I ), which states that reporting information solely as to transactions or experiences between the consumer and the person making the report should not be reported. 

2. XXXX XXXX XXXX disclosed nonpublic personal information to a non-affiliated third party without providing me with the required notice under 15 USC 6802 ( b ) ( 1 ). 

With knowing the law, I DEMAND that the transactions and experiences of the XXXX XXXX XXXX account must be removed from all my consumer reports. I have registered a fee schedule with the court clerk in my jurisdiction. If this matter is not resolved within 7 days, I will take legal action, including but not limited to reporting this activity to all government entities and regulating agencies. I will seek out the IRS, SEC, FTC, FBI, FinCEN, OCC, FCC, CFPB, all applicable governors of the corresponding states, all applicable District Attorneys of corresponding states, all applicable Attorney Generals of corresponding states, and the Department of Justice to create and impose litigation and arbitration amongst all parties involved. Then I will seek legal representation ( with whom I already have an attorney on retainer ) to purse remedy based on my registered fee schedule and the unlawful acts that have occurred. My fee schedule includes the credit reporting agencies must pay me {$1000.00} per day for each day that they continue to report this false and fraudulent information. Also, after 15 days the credit reporting agencies must pay me an additional {$20000.00} in attorney fees. Additionally, XXXX XXXX XXXX must pay me {$2500.00} per day for each day that they continue to violate the FDCPA and engage in unfair and deceptive practices. 

I thank all parties involved for taking swift actions in resolving my matter at hand and obeying the law as I am demanding this First XXXX account being removed IMMEDIATELY.
Product: Checking or savings account

I was staying at a place called XXXX XXXX XXXX located in XXXX Fl. XXXX XXXX XXXX is a property of XXXX XXXX. I was making payment online through their website for the rental I was renting. I made several Payments monthly from XX/XX/2022 through XX/XX/2022. I was using my debit cards from 2 different Bank of America accounts depending on which account the funds were available in. On XXXX or XXXX the day was our last day in the RV park as the unit was being rented out after that. I had gathered everything and had expected to see a final bill and what was owed after a walk through of the unit was completed. Nothing was received, instead a payment was taken directly from the account with no communication. The woman had called my parents but not my number directly. I disputed with Bank of America as they advised they would research and get back to me with in 30 days. I advised that I had not input my cc number on file to be saved, did not authorize the final payment and everytime I made a payment through the online system I always entered all CC info EVERYTIME as it was never saved! I disputed the charge as Bank of America advised it was legit. well of course but that was not Right of the RV park to take a payment that was not authorized nor was it right that no communication was directly with myself. 2 business in the wrong. And as it appears why and how would my information be available that they were able to process a payment? Is there software saving info with out knowledge and consent by the customer? Are they recieving full CC details on statements? How safe and secure was my information! In addition the woman ( XXXX XXXX ) the assistant Office Manager was or possibly still is also a Mortgage Specialist II for Bank of America. That would be abuse of powers and if she had connections still she was able to pull all bank details including my Debit Card info and able to see what was available. VERY SHADY! My information was not authorized no consent was given and I truly believe that there are laws and violations that have occured and yes the debt was owed but never verified and confirmed and the payment was taken with no authorization and finalization consent. I believe that my information data has been breeched and i would bet that I am not the only one. Someone has/had access to see my full banking information! Date XX/XX/2022 {$1400.00}