23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
XXXX. 15 U.S code 1692e False or misleading representations. FDCPA Section 807 Violation Misleading False Reporting. 15 U.S code 1692f-Unfair practices XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. 15 U.S. Code 1650 Preveninting unfair and deceptive private educational lending practices elimination conflicts of interest XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX XXXX
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 XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX XXXX MO XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX  XXXX Balance : {$590.00} XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I was referred to the American Express Platinum card by my son in law, who speaks so highly of American Express. I applied for the card and was approved. I learned later on the same day that the card carries an annual fee of {$550.00}. Upon receiving my Platinum card 2 days later, I called American Express to have my card converted to an American Express Green Card ( which has a promotional offer of {$0.00} 1st year annual fee and then {$95.00} thereafter each year ). I was told that I am not eligible for any promotional offers on the Green Card since I am downgrading the account. I explained that I am new to American Express, my Platinum account was opened lass than 3 days ago, I hadn't used my account yet, and felt it was unfair. I was told the the all of my promotional offers on the Platinum account will be null and void ( which I agree with since I was downgrading to a Green Card ) ; but I was also told that all promotions on the Green Card will be unavailable. The promotion for the Green Card is : 1 : ANNUAL FEE : The American Express Green Card will have a {$0.00}  introductory annual fee for the first year of Card Membership. Also, if you add an Additional Card to your account at the time of application, you will not be charged an annual fee during the first year of the Card account for such Additional Card and any other Additional Cards up to 5 in total. After the first year, the annual fee for the Basic Card will be {$95.00} and the annual fee for the Additional Cards will be {$30.00} for up to 5 Additional Cards. If you add an Additional Card to your account following your Basic Card application, you will be charged an annual fee of {$30.00} for up to 5 Additional Cards. The annual fee for the sixth or more Additional Cards is {$30.00} for each Card. 

2 : In addition, at the time of approval for my Platinum Card, there was an offer for the Green Card that allowed me to obtain XXXX Membership Reward Points if I spent {$500.00} within the first 90 days. 

I reviewed the Terms and Conditions online : XXXX : XXXX # offer-terms There is nothing in the terms and conditions which states if I downgrade my card, before using the card, I will not be allowed to take advantage of promotional offers on other products I might choose to downgrade to. I am being forced to lose all promotional offers or continue with an account that has an annual fee of {$550.00}. I should have the freedom of choice without sacrificing promotional offers advertised to the rest of the world.
Product: Mortgage

I apply'ed for a mortgage refinance. I was approved. But nothing was changed on my interest rate and life of the loan. Bank of American.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my fifth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had originally established a repayment plan which consisted on XXXX mo repayment plan, when I had XXXX payments left on the repayment I was in an auto accident which caused me to not be able to make the last XXXX paymen ts of the repayment plan. ARS national services did not contact me in any form till several months later by mail to enable me to fulfill the plan., The amount left was approximately {$170.00}, but now ARS is stating a balance of {$1700.00} approximately. When I spoke with a representative on the phone she stated they had called me several times but did not leave a voicemail, that the company would not leave voicemails.
Product: Credit card

Re : Dispute Regarding Annual Fee on Citi / AAdvantage Executive World XXXX Mastercard Account I recently disputed an automatic charge of the annual fee on my Citi / AAdvantage Executive World XXXX Mastercard. It came to my attention that this fee was applied to my account and communicated to an email address that is no longer in my possession or use, leading to an unawareness of said charge until recently contacted by phone. 

Upon receiving a phone call from a CitiBank representative over two months after the fee was charged, I was informed for the first time of the balance on my credit card due to this annual fee. It was my belief that my card had been cancelled, and therefore, I was not expecting any new charges to be applied. During this conversation, I requested the fee be waived and the account be closed, only to be informed that the grace period for disputing this fee had lapsed, rendering me responsible for the charge. 

I argue that this situation merits special consideration for the following reasons : 1. Lack of Accessible Notification : The notification of the charge was sent to an outdated email address, despite my expectations that any critical communication would be sent through a medium that ensures my prompt receipt and acknowledgment. 
2. Good Faith Misunderstanding : I was under the impression that my account had been cancelled, a misunderstanding that contributed to my lack of vigilance regarding charges to this account. 
3. Delayed Communication from CitiBank : The delay in CitiBank 's effort to contact me via alternative means ( i.e., by phone ) directly impacted my ability to dispute the charge within the provided grace period. 

Given these points, I believe my request to CitiBank to reverse these charges is not unreasonable. It is my belief that had the communication regarding this charge been conducted through a currently active channel, I would have been able to take timely action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX responded to Experian that the data information is accurate and it's not. I paid and settlers this account in XXXX of 2021, and XXXX is reporting a balance of {$2000.00}. I was advised by XXXX XXXX that if I settled this account it would be deleted and reported to XXXX as paid. I contacted XXXX XX/XX/XXXX 2021they said it also showed a {$0.00} balance on there account but yet they reported today that the information was correct. I am closing on my home and I need this account updated immediately because this information is inaccurately showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report through XXXX XXXX on XX/XX/XXXX, I noticed a fraudulent student loan account had been opened, with a balance of {$1600.00}, and a current balance of {$180.00}. This action dropped my credit score XXXX points! I did not generate this action and did not authorize this activity. This account is a result of identity theft. I filed a local police report with the XXXX Police Dept. I have filed a dispute with TransUnion, XXXX XXXX XXXX  and filed a theft/fraud report with the US Dept . of Education where the fraudulent loan was made and with the FTC Identity Theft group. 

Resulting responses by XXXX XXXX and the three credit reporting agencies were that the loan was verified as accurate, based on my social security number. This was the very thing I was disputing ; the someone used my SS # fraudulently! 

Further investigation by the U.S. Department of Education 's office of Federal Student Aid revealed the fraudulent activity was not a student loan, but a Pell Grant and was issued through, first by XXXX XXXX, and later transferred to XXXX XXXX XXXX. 
Their office has confirmed a Free Application for Federal Student Aid ( FAFSA ) for the XXXX award years was applied for in my name, which required the school to award a maximum eligibility in aid funds. 
{$6300.00} in Federal Pell Grant Program funds were awarded to the account for the XXXX XXXX award year, however, only {$1600.00} was disbursed due to an enrollment change from full time to less than 3/4 time, which reduced the Pell Grant eligibility, therefore, {$180.00} of the Pell Grant was a reported as an overpayment. The reported overpayment of {$180.00} is still outstanding. If I allege I am the victim of identity theft and did not attend this school, or complete a FAFSA application, I needed to contact the school directly for assistance. 
I notified fraudulent loan claims with XXXX XXXX XXXX, the Chancellor and Vice Chancellor of the XXXX XXXX XXXX XXXX XXXX, the office of the Federal Dept. of Education Ombudsman and the Department of Education Debt Management & Collections. Each entity kept sending me to a previous entity. I am getting the runaround. It seems simple. If someone would check the registrar 's or attendance office and produce the photo ID card and signature card of this account, it will be clear that this Pell Grant was obtained fraudulently in my name.
Product: Mortgage

On XX/XX/XXXX ( incorrect date on letter but see fax receipt confirmation ) I sent a fax to Rushmore requesting my PMI to be canceled based on my house appreciation. Rushmore replied explaining that my loan to value had not reached 80 %. 
On XX/XX/XXXX I sent another fax to Rushmore explaining the value of my house now is {$230000.00} and by balance is {$160000.00} putting my loan to value a little over 70 %. Rushmore replied with the exact same answer explaining that my loan to value had not reached 80 %. 
On XX/XX/XXXX I sent another fax to Rushmore explaining explaining the value of my house now is {$230000.00} and by balance is {$160000.00} putting my loan to value a little over 70 % and asking the steps I needed to take to have my PMI canceled. Rushmore replied with the exact same answer explaining that my loan to value had not reached 80 %. 
on XX/XX/XXXX I sent another fax to Rushmore explaining explaining the value of my house now is {$230000.00} and by balance is {$160000.00} putting my loan to value a little over 70 % and stating that I expected them to present me with options or steps to take to have my PMI canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter requesting an investigation of inaccurate accounts showing on my credit report. It has been almost 4 months and I still haven't received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported unauthorized inquiries in my credit report across the three Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 states There is a need to insure that a consumer reporting agency has a responsibility to report with fairness, impartiality, and respect for the consumers right to privacy. Equifax, XXXX, and XXXX are consumer reporting agencies as I am the consumer. I have the right to make sure my private non-public information is not shared per 15 USC 6801 which states It is the policy of the Congress that each Financial institution has a favorable and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of their customers nonpublic personal information as the furnishers of that said information to credit agencies. 15 USC 6802 states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless I, XXXX XXXX, the consumer, is given an explanation of how I can exercise that nondisclosure option. I was never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681a 1 states " 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. 15 USC 1681 sections 604A section 2 states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instruction from the consumer to whom the information relates to. Financial institution -XXXX XXXX XXXX XXXX XXXX XXXX this account is reporting the same account twice and must be removed -XXXX XXXX XXXXXXXX + As Derogatory and the consumer reporting agencies listed above do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to these credit reporting agencies listed above whether it was verbal, non-verbal. Written. Implied or otherwise is permanently revoked. With this being said I am opting out of your reporting services as it is my right to per XXXX XXXX XXXX A consumer may exercise the right to opt out at any time.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

i received a letter stating they closed my account because of repeated late payments but there were no late payments and i paid off this entire account last year. i paid them over {$2700.00} and was never late, just for them to close my account.
Product: Debt collection

A phone call was placed to L J Ross and Associates IN. on XX/XX/XXXX regarding a letter i received stating i had an outstanding debt with XXXX   XXXX, they stated they could not tell me what the debot was for and i need to call the Bank. I then called the bank and they explained they do not have the records of my debt due to the age of the debt and i would have to order them from the collection agency if i am distributing. I thna call the agency back and spoke With XXXX  whos assigned to the file, I explained I am disputing the debt and officially requested the transcripts showing the valifty of the debt. at that time the pursuit of the debt should have stopped until i received the documents requested, XX/XX/XXXX i received a notification from my credit monitoring app stating they had reported my debt to the XXXX   prior to my receiving the documents which is a violation of the  FDCPA, I spoke with XXXX  XX/XX/XXXX and explained i have not received the docs, she explained they "sent them out at the end of last month" which was two days ago, this has since lowered my credit score 17 points prior to me receiving the documents, I have both conversations recorded
Product: Debt collection

I received a phone call from the company on XX/XX/XXXX. The caller left a voice mail message with a case number XXXX and a number to call back. When I returned the call the agent said that they had sent out a letter and were prepared to file suit and place a lien against my home. When I asked about the debt, they stated that it was for a credit card that I had in XX/XX/XXXX. The person then hung up the phone when I stated that the debt was to old to be collected.
Product: Checking or savings account

On XX/XX/XXXX I noticed a charge from XXXX XXXX in the amount of {$250.00} and called Chase to report the charges. While I wait on hold, I notice other charges from the same company totaling {$600.00} on XXXX and then again on XXXX totaling {$600.00}. Once I got someone on the line with chase they asked me to look at the account to see any other non-authorized charges and I found a lot. Dating all the way back XX/XX/31 for XXXX for {$36.00}. Chase is Claiming a 60 Day Rule as company policy and Credit back all the small charges. But refuse to credit the charges listed above because it was outside the 60day start from the first Fraud. I have Contacted XXXX and they are waiting on Chase to start a claim with them to date Chase has done nothing.
Product: Mortgage

Regarding complaint # XXXX : 1 ) Wells Fargo removed my ability to make my last online payment. I tried 5 times! 

When I'm prompted to make the last online payment i get a message that says : " you do not have at least 2 eligible accounts to transfer money '' After paying my mortgage for decades, WF removes my ability to make the last payment?

why?

2 ) regarding WF 's interim response that they can not get a hold of me, that's baloney! 
Ms XXXX XXXX called me 3 times to bully me about making extra payments and I disagreed with her
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian received the complaint I submitted using the CFPB complaint process. I attached all the required documents need it for the complaint, including : IDT reports, Proof of Identification and Proof of residency. I received an email today from Experian asking for thos documents already submitted. This is a work avoidance issue that need to be fix rigth away or I will take legal actions. I'll will attach the same document in this complaint. Alsi, I'm attaching the original complaint and the email received from Experian.
Product: Credit reporting or other personal consumer reports

I closed the accounts milestone and density card in XXXX. They are still reporting negative on credit brues section 605b. I did not approve of sharing this information with a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to work on resolving this issue as quickly as I can. 
I sent in a identity Theft packet to report this matter it has been over 30 day and the issue still remains I ask that this item be removed from my credit profile this item is not mine and has truly effect my credit report and is preventing me from getting credit.