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

On XX/XX/2023 I called American Express and talked with XXXX and XXXX. XXXX said I can not dispute the charges because " the attempt to cancel was made post the charge submission date. '' XXXX said that American Express mailed me the letter saying that one of my ongoing disputes was canceled on XX/XX/2023 to my business address. Then I told her that more than likely it was the date of the letter. 

Then XXXX said that it was emailed to me on XX/XX/2023. I asked her what email address, and she said she can not say my email address because of company policy. I have many email addresses, so the fact that American Express can not mail me a letter regarding a dispute is not good. 

XXXX read the resolution letter to me, which was from American Express Customer Service. 

She was unable to complete any of my disputes for various reasons. 

I don't know why American Express makes it so hard for me to make a dispute. 

I think they just don't want to lose money, even though I did not make these charges, or contacted the companies numerous times to cancel, yet they still charge my account.
Product: Debt collection

This company is violating my rights, they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made previous attempts with them directly to fix these issues. They are violating my rights and I am entitled for every violation listed {$1000.00} each, they would have to either pay me or delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a car from XXXX XXXX in XXXX. I was in an accident on Tuesday XX/XX/2019 and my car was totaled. I was 0 % at fault. XXXX was notified within a day of the accident and immediately closed my account. I personally contacted them to make them aware of the accident, too. XXXX was sure to let me know that I did not have any missed payments on the car. My insurance was handling the financial part of reimbursement to XXXX ( XXXX XXXX XXXX ).  I was working with multiple people, but one woman 's name was XXXX XXXX. Her contact was XXXX. The claim was completed immediately after the accident. When I went to purchase a new vehicle, I found out that my credit score had dropped significantly. I looked and saw a delinquency charge from XXXX just 2 and a half weeks after the accident. I was never notified of this charge by XXXX, either by mail or phone. I called my bank and asked them what the charge was from, and they said that XXXX submitted a delinquency charge against me on XX/XX/XXXX, only about 3 weeks after the accident. I do know that XXXX received their check from my insurance company on XX/XX/XXXX paying entirely for the totaled lease vehicle. XXXX was no help at all in this matter - and sent me on a wild goose chase which costed me hours of my time. I now can not finance or lease a new car due to this drop in credit resulting from a wrongful delinquency charge by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to CFPB:XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX , FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is a late payment, as reported by XXXX. 

This delinquent account record is inaccurate because in XX/XX/XXXX and XX/XX/XXXX fraudulent charges where made which followed to XX/XX/XXXX. They have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XX/XX/XXXX there were a lot of charges made on that month you charged me for. the money they said i owed for XX/XX/XXXX, I did not owe. They owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe october because they didnt know what I owed for XX/XX/XXXX. I had fraudulent charges in which they agreed to in their investigation. they are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what they are replying to has nothing to do with my dispute.. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

I have included copies of them agreeing to credit my account back for charges made in XX/XX/XXXX month ( in which theyve recorded i did not pay for charges that were not made by myself.

Please investigate this matter and correct the disputed item as soon as possible.

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

I was incarcerated on XX/XX/XXXX XXXX, and after that date until XXXX XXXX an unknown federal marshal got hold of my credit and debit cards while I was in federal prison and illegally used them. I found out ID Theft was done to me when fully released from federal prison on XX/XX/XXXX. I was called by debt collectors of my credit card accounts that had been used when in prison and started police case on XX/XX/XXXX. I started disputes with XXXX XXXX XXXX debt agency and XXXX cases were closed. However, on my credit report some accounts make me look delinquent because unknown XXXX XXXX had used my credit cards after I had gotten arrested making it look like if I had authorized him/her to do so. I contacted a consumer 's affair attorney who gave me your link to start a complaint while waiting for my police report.
Product: Credit reporting or other personal consumer reports

Several Dispute letters were sent to Experian and several compliants were filed with CFPB as well. 

I am writing to formally dispute inaccurate information that remains on my Experian credit report despite multiple dispute letters and complaints filed with the Consumer Financial Protection Bureau ( CFPB ). Experian has failed to comply with federal law by not properly investigating my disputes, not responding within the legally required timeframe, and reinserting information without proper notice. 

Specifically, I am disputing the inaccuracies related to XXXX XXXX, Account # XXXX as detailed in my prior dispute letters and attached supporting documentation. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : FCRA Violations Committed by Experian : 1. Failure to Reinvestigate Within 30 Days ( 15 U.S.C. 1681i ( a ) ( 1 ) ) 2. Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) 3. Failure to Follow Reinsertion Protocols ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) 4. Failure to Provide Evidence of a Reasonable Investigation I have repeatedly requested supporting documentation verifying the accuracy of the disputed information. Experian has failed to provide any substantive proof of verification, which does not meet the requirements set forth under the FCRA.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( XXXX ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedDEPT OF EDUCATION/OS XXXX  and DEPT OF EDUCATION/OS XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am officially asking you to review your data on file for me! As per the Fair Credit Reporting Act ( FCRA ) section 611 and Metro 2 compliance standards, I challenge all inaccuracies of reporting. My profile shall be accurate, authentic, complete and with timely verification by you of each piece within my credit report so that we can document how well they are being kept up-to date.The information in my credit report and below is not accurate. It was never proven to be factual or compliant with reporting laws by any means, so I'm going through the process of correcting this oversight permanently! The time has come for consumers to take back their right of access. I am demanding that factually accurate, verified and compliant data be documented on my credit report so it can accurately reflect me as a person with good standing in society! I also require the permanent removal of any inaccuracies immediately! I am deeply concerned about accuracy, so please take care when checking your work.The way you present your information about me is important. I demand that all inquiries within my credit profile have a permissible purpose and be accurately sourced, so we can stay on top of any potential issues before they become problematic to my future. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Product: Debt collection

I received calls numerous times by this and other phone numbers asking to pay a debt from pharmacy. 
When I try to get more information as to what exactly I was charged for, where is the receipt, etc. they just close the line. They call my friends phone numbers too.
Product: Mortgage

We contracted with XXXX XXXXXXXX XXXX in XXXX XXXXXXXX, SC for a construction loan that coverts to a permanent loan at the finish of construction. The person in charge of the loan arbitrarily withheld funds causing me to write a check for over XXXX during construction. Questioned why we did not receive statement but never received a reply. Paid off a loan as a prepayment but it never was paid until XXXX XXXX  later due to harassment on my part to get it taken care of. In XXXX we received on a call on a Monday stating that the bank needed $ XXXX dollars on that Friday as there was a " Glitch '' on their system and so they had not sent out any statements ( Which I have as of yet to receive ). Today, after asking yet again for a statement they say that they need {$3400.00} because they were mailing to the wrong address. 
Working with this bank has been a nightmare! I still don't have the first statement and have been milked dry by this institution. This is the third house that I have built so I am not unfamiliar with the process. I have tried to contact the head of the mortgage division in XXXX SC with no return calls. I would suggest that their license to lend be revoked if there is such a thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 Hard Inquiries on my credit report not authorized by me. Believed they were caused by identity theft. 

1 by Citi XXXXCitibank XXXX date = XXXX 2 by XXXX XXXX XXXX XXXX dates XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage, there were XXXX accounts attached to XXXX from the beginning.then I refinance it, but only XXXX mortgage was refinanced.i had stop the auto pay, as the requested.then I was reported to the credit bureau as a late payment in 2017, XXXX, XXXX. First, the mortgage company never told me that there erred only doing XXXX. Found out after all was done. Then the second account was left on its own. The second account reported.me to the credit bureau because of the late payment. I been battling this for years.i had auto pay, through out the rides I had a mortgage.never was I late. The send mortgage, did not care.i even paid it off.i was single back and forth with both companies.i work hard, and paid my bills, I have never been late, this was an issue of them!! Why would I be late? I had auto pay.they cancell it, cause they said it should be done. You will see in my docs. The date, time, of mortgages, and credit reports, which shows the time line.furthermore, I had fraudulent credit cards being applied on my behalf.thats the reason I had those reports.in it, shows all payments, the both mortgages, and my auto pays. It's incredible what they have done ro me.but now I'm tired of no one helping, and so., I'm doing this compalint.
Product: Checking or savings account

I was alerted from my credit bureau that someone had opened an account with Chase under my social security number. I have attempted to fix this issue by calling the number provided and I am unable to get through to anybody and I can not resolve it online myself. I am currently dealing with identity theft and have been for several years and I am having so many issues trying to fix this. I have been unable to get help from anybody and I have reported it to every agency or whatever that I am supposed to and no one has gotten back to me to help me. I'm at a loss. I don't know what to do anymore. This is destroyed my life.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a letter from my credit card company, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, stating that my credit limit had been reduced to {$2500.00}. The reason stated was possibly the " number of recent inquiries as reported by an agency '' " bureau reports past or present delinquency '' and " number of revolving accts as reported by the agency. '' I made an immediate phone call to XXXX and reminded the representative that I make all my payments in advance and always much more than the minimum. I own no other cards. I was instructed by XXXX to contact a credit bureau known as Transunion. A representative from Transunion stated " charges pending '' on at least two accts -- XXXX XXXX and XXXX XXXX. I do not have any association with those companies, much less a card. The only credit card I have is a XXXX XXXX  that I have always been in good standing with. I believe some Identity fraud has taken place. My credit report has been damaged because of fraudulent association with companies I have no association with. Thanks for your help.
Product: Credit card or prepaid card

I was arrested XX/XX/XXXX in XXXX, Oklahoma. During dispute, lost possession of wallet and personal belongings. Was released XX/XX/XXXX. Inside wallet was American Express Serve Prepaid Debit Card containing earned income from old employer, which I set up for direct deposit, using the card provided by tax agency for tax filing. Perpetrator used card to empty out until XXXX in XXXX XXXX while I was jail. Upon release, and realizing card was empty, immediately filed dispute with American Express Account Protection Services. American Express takes 10 days to review dispute, and denied. One of the first questions asked on form is " Did you ever give anybody consent to use this card? ", which I never did. Perpetrator was able to use card as credit without providing a PIN at POS 's. American Express said reason for denial of request would have to completed via mail request and that a response would be sent, which they never did. Filed a police report upon second dispute request, under the impression that it would not be necessary because I was clearly in jail during transactions ' occurrence, denied for 'authorized transactions '. XXXX Police Department recommended to sue in small claims, which I did, and was granted a default judgement of {$1500.00} against the criminal. Perpetrator lives life of promiscuity, refuses to work, and has XXXX assets to enforce/garnish wages. Sought help on two occasions from XXXX XXXX of Oklahoma to no avail. I reverse social engineered perpetrator using XXXX XXXX to get her to admit she stole my card and owed me money on several occasions. I also have messages of myself and perpetrator on XXXX talking of my repayments, I reverse social engineered perpetrator on social media to gather information about her whereabouts to getting her served, and to use her for conjugal purposes. However, I did not ever give her consent to use my card, she stole it was I was in jail. It is American Express 's ill judgment that has caused me much financial crisis ', XXXX and XXXX. I was homeless at the time of my release, and still struggle financially to the present. I Sought help of Oklahoma Attorney General Consumer Protection Unit to no avail. American Express did not respond to O.A.G. Consumer Protection Unit. American Express Account Protection Services permanently closed my account, said at one to file disputes with each individual retailer, and that transactions were authorized because I 'benefited from transactions '. Paperwork was provided at first dispute showing that I was in the XXXXXXXX XXXX  during thefts, and I never gave perpetrator any consent to steal my earned income, at any time. I have ample paperwork of all incidents to corroborate this statement. American Express at one implied that I committed fraud because of the nature of my relationship with past victims, but I suspect embezzlement, discrimination, and abuse of authority.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Dispute Information Center Dear Experian I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX  XXXX - account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Credit card

I applied for and received a Citi Simplicity credit card for the sole purpose of taking advantage of a balance transfer. On XX/XX/XXXX I transferred the sum of {$8000.00} to the card with an offer of no interest until XX/XX/XXXX ( XX/XX/XXXX Statement Attached showing both the transfer and the interest agreement ). Since that time I have made regular payments each month in the amount of {$400.00}. I have included XXXX, XXXX, XX/XX/XXXX statements showing my payments of {$400.00} each month with no interest being charged on the balance transfer. There is no other balance for purchases and I typically do not use this card for purchases. On XX/XX/XXXX, I used the card to pay my daughter 's XXXX XXXX as shown by the XX/XX/XXXX statement. In 11 days, I paid the amount in full as also shown by the same statement. Because I paid this purchase in full, there should be no interest charged. However, Citibank charged me interest of {$36.00}. The only balance on the card is for the remaining balance on the balance transfer, that should have no interest charged to that balance until XX/XX/XXXX. Additionally, Citibank has continued to charge me as shown by XXXX, XXXX and XX/XX/XXXX Statements ( attached ). After contacting Citibank, and escalating to a manager, she agreed with me that interest should not be charged. However, she said she had to escalate to a different department and they would send me a letter. I was on the phone for about an hour with all departments. I have attached the letter dated XX/XX/XXXX which only explains to me how CitiBank charges interest. It does not address my specific complaint nor give me any relief.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I have attached a copy of my ID and SSC card to validate and verify my identity. 

I am writing to submit a formal complaint against XXXX, Experian, and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) in connection with inaccurate information on my credit reports. I believe these inaccuracies are negatively affecting my creditworthiness and financial standing. 

The inaccurate information pertains to the following account : Account : XXXX I have submitted dispute letters to all three credit reporting agencies, detailing the inaccuracies and requesting correction. However, to date, I have not received a satisfactory resolution. I am seeking the intervention of the Consumer Financial Protection Bureau to address these violations. 

I believe the credit reporting agencies have violated the FCRA by reporting inaccurate information and failing to conduct a reasonable investigation. This has caused significant harm to my credit standing, affecting my ability to secure favorable terms on credit and loans. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX, Experian, and XXXX comply with the FCRA. I am also requesting that you provide me with updates on the progress of your investigation. 

Enclosed with this letter are copies of the dispute letters sent to XXXX, Experian, and XXXX, along with any supporting documentation. I appreciate your prompt attention to this matter and thank you for your assistance.