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

To whom it may concern, I have been a long time American Express card holder, platinum card holder with average annual card purchases of {$280000.00}. Never missing a payment. I contacted American Express on XX/XX/XXXX requesting assistance, a payment arrangement that American Express offers for Covid19 related financial difficulties do to my bank accounts being hacked and all available funds embezzled. The American Express customer service agent after presenting my details stated that American Express has no program at this time to offer me. I repeatedly asked why as this made no sense to me. The more I questioned the agent the more she responded with short responses. I requested to speak with a supervisor. The agent finally agreed to transfer my call. The American Express agent whom I then spoke with was exceptional, she stated yes there is a program, which requires a down payment equaling XX/XX/XXXX of my balance then 11 equal payments and my account would remain in good standing and no derogatory reports to the credit bureaus. At that exact time I did not have the funds to make the initial payment to enroll in this hardship program. I asked what is the last day and was told XXXX. On XX/XX/XXXX. I received a letter from American Express that my account was closed due to foul language. In the same letter I was provide a phone number to call with any questions. I called this number to the corporate office numerous times per day only receiving recorded messages. I had left voice mails which took American Express 5 days to reply. During this time on XXXX I went to enroll in the hardship program notated on my account and was then informed since my account was closed on XXXX I NO longer can enroll nor speak with any American Express customer service representative and that I only can speak with the corporate office. To date XXXX I have received 3 calls and nothing has been done, my credit now is ruined by American Express. I was a great customer spending in excess of {>= $1,000,000} in past 4 years alone. American Express needs to be held accountable for their abusive actions. How can American Express be allowed to do this to anyone? 

Then to add to American Express unethical tactics my XXXX XXXX XXXX card was also cancelled.The 4 explanations offered NONE pertained to any true event.
Product: Credit reporting or other personal consumer reports

Having meticulously reviewed the Fair Credit Reporting Act ( 15 USC 1681, 602 ), I am both enlightened and resolute in my understanding of its mandate : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX, XXXX, and TransUnion, being consumer reporting agencies, are bound by this statutory duty, and I, as the Sovereign Consumer, command that my private information be protected, as upheld by 15 USC 6801, which declares, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The financial institutions that furnish information to these credit reporting agencies fall under this obligation by definition. Furthermore, 15 USC 1681 604 ( a ) ( 2 ) explicitly states : " No consumer reporting agency may furnish a consumer report except in accordance with the written instructions of the consumer to whom it relates. '' I hereby affirm that no such written instructions have been provided by me to XXXX, XXXX, or any furnisher of information, and any alleged consent, whether verbal, non-verbal, implied, or otherwise, is unequivocally revoked. 

Additionally, pursuant to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I have never been informed of this right by the furnishers of information. This failure constitutes a blatant violation of federal law.

Moreover, 15 USC 1681c ( a ) ( 5 ) mandates that no consumer reporting agency may include in its reports adverse information predating seven years, except for criminal convictions. Yet, these agencies continue to unlawfully report adverse items without my consent, flouting legal boundaries.

The furnishers of this information are further restrained by 15 USC 1681s-2 ( A ) ( 1 ) ( A ), which forbids the transmission of any information that is inaccurate or that they have reason to believe is inaccurate. Similarly, 15 USC 1681e commands all consumer reporting agencies to maintain procedures that prevent such violations. XXXX and XXXX have failed in this regard, disregarding the statutes that bind them. 

Finally, under 12 CFR 1016.7, I exercise my unalienable right to opt out of these reporting services at my discretion and at any time. As of this declaration, I am opting out. 

Let this serve as an authoritative decree : my rights as the XXXX XXXX shall not be infringed. All parties are hereby noticed of their violations and compelled to cease and desist from further unauthorized reporting or sharing of my information. 

Signed, By My Own Hand, XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXXccount XXXX Account Name : XXXX XXXX XXXX  XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.


15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

I received 5 calls, back to back, on XX/XX/18. This morning, on XX/XX/18, I already received 2. I receive at least 3 phone calls every day from this number, 7 days a week, to the point that I had to block it in my phone. This has been ongoing for at least thirty ( 30 ) days now. 

I am making payments to a Convergent account on a debt and I am doing so diligently, and this is the only account I have with them. As I am making payments, there is NO need to constantly keep calling me.
Product: Debt collection

The debt collections person called me and yelled at me telling me that I am a terrible person and that she did n't have to treat me politely and respectfully, because I owe money. She repeatedly harassed me telling me that she 's here to collect a debt from a person who is less than honest and not worthy of respect and that I should just shut up and pay the money. 

After 20min of asking her to please be polite and treat me with respect she told me that she was n't interested in treating me right and had the right to treat me like I am beneath her. She would n't refer me to a supervisor until I repeatedly asked her again and again and after she finally referred me over she muttered several expletives as she hung up.
Product: Debt collection

I have never owned this credit card it was a case of identity theft. I reported it and disputed before with the credit card company who deleted it off my credit report being that it was a case of identity theft. The company thats reporting now I have no knowledge of them never was contacted by them at all. I never gave them permission to post to my credit report about debt I dont owe. They never produce a contract that I owed them this debt or anything. They are a debt collector who bought this debt but theres is no signed contract of wet signature from from me to them. 15 U.S.C 1681 section 602.A states I have the right to privacy. They have no right to post to my credit file with my knowledge or even to access it without my consent.
Product: Checking or savings account

I was working in Illinois and someone was getting money from my account in XXXX Alabama they overdraft my account I complained twice and nothing was done about it and I was hit with numerous late fees and then they closed my account
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, Either credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires on my credit report I would like to be removed. There has been hard Inquiries made in violation of federal law. Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report can not be containing information solely as to transactions or experiences between the consumer and the person making the report. As a consumer and pursuant to 15 USC 1681 ( a ) ( 4 ), you are to respect my right to privacy and Experian, XXXX and XXXX has violated my right by allowing these transactions to happen.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the unavailability of my credit score from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. 

Please see and review the attached file for what I am complaining about. Initiate immediate actions for this. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XX/XX/XXXXXXXX XXXX  with over 100k miles on it, in XX/XX/XXXX for {$8000.00} from XXXX. The vehicle was repossesed in XX/XX/XXXX. It is being reported by collection agency as account opened in XX/XX/XXXX with a $ XXXX   account balance. I have been disputing the correctness of this reporting with XXXX  and XXXX with no luck. I am being denied credit because of this. I just want it removed from all credit agencies.
Product: Credit card

Company promised twice via two phone representatives on XX/XX/year> via recorded phone calls to remove a 30 day late payment due to numerous flaws in their business practices. Their annual fee system is flawed and punitive, taking advantage of people and causing irreparable harm. They have yet to abide by their promise.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 OneMain reported a charge off to me and my husbands XXXX credit bureau. 
The amount is {$970.00}. 
This loan has been in a XXXX XXXX bankruptcy since last year. 
According to XXXX and my trustee, the loan for OneMain was completely paid off on XX/XX/2024. 
The department I need to speak to is only open m-f XXXX. I work these hours and have very limited time to continuously trying to get a hold of someone at One Main. 
I want this charge off to be removed from our credit bureau, I filed a dispute with XXXX on XX/XX/2024.
Product: Credit card or prepaid card

I cancelled a prepaid trip with a travel agency. The prepayment was made via my CITI VISA COSTCO credit card and the travel agency processed the refund back to my VISA caerd on XX/XX/2020. That produced a credit balance on my card of over {$10000.00}. VISA applied part of the refund against my current but not yet due balance and reflected the remaining amount as a 'credit balance ' of {$9900.00}. I asked VISA on XX/XX/2020 to refund that credit balance to me via a transfer to my money market account. I was told it would take 3-5 business days to process the transfer after it was approved. Today is the fifth business day since I made the transfer request and CITIBANK 's customer service team tells me that the transfer request, a refund, has not been approved yet and there is no time line as to when that approval will occur. Only after that approval does occur, will the 3-5 business day timeline commence. Hence, CITIBANK could retain my funds for an indeterminate period before I can receive a refund of money which I had previously remitted to them when I paid the balances that I had previously charged with the travel agency. In essence, CITIBANK is getting an interest fee loan from me by delaying a refund of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is on my report from all 3 bureaus, XXXX, Equifax and XXXX and possibly XXXX XXXX ... .... Permission for the said bankruptcy was not authorized by the courts to place on my personal credit reports. Asked them to remove it and they response was " VERIFIED ''
Product: Credit card or prepaid card

I have had a Citibank MasterCard for years. Just recently I received a master card renewal. But a week or so later I also received from Citibank a new Citi American Express card. I never requested an American Express card. This feels very much like when XXXX XXXX issued me a credit card years ago without me ever requesting it. Ive heard that canceling a credit card can add a ding to my credit report. Im not sure if that will be the case if I cancel this AMEX card that I never requested.
Product: Credit reporting or other personal consumer reports

I have mailed a dispute to Equifax, USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XX/XX/2024 at XXXXXXXX XXXX. in XXXX, GA XXXX I have attached mailing attachments below along with the actual letter mailed to Equifax, along with tracking and signature when delivered. I have been disputing account ( s ) with Equifax.

The account ( s ) below are reporting inaccurately according to the XXXX XXXX Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CHILD SUPPORT XXXX VA XXXX In accordance with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).
Product: Debt collection

I have sent several disputes to the collection agency and to the credit bureau regarding an account IC Systems is reporting on my credit reports. I have asked them to send a copy of a signed agreement and account history as proof that the account belongs to me. They have responded with a settlement letter and a payment invoice created by their company. They continue to report the debt without legal validation of the debt in violation of the Federal Debt Collections Practices Act and the Fair Credit Reporting Act which requires that all information reported be accurate, complete and verifiable.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX - XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted GM Financial and arranged an extension of my XXXX payment. They agreed and collected the interest plus a fee and moved the payment to the end of the loan. They then reported the payment as 30 days past due and have not fixed it despite 2 disputes through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the lack of response from Transunion, XXXX, and XXXX, the three major credit reporting agencies, to my disputes. As per my records, I sent a second letter to all three companies on XX/XX/2023, but it has been well over 30 days, and I have not received any response from any of them. 

This failure to acknowledge my disputes within the specified timeframe is a clear violation of my rights under 15 USC 1681 ( a ) ( 1 ) ( A ), which states that Transunion, XXXX, and XXXX are obligated to respond to consumer disputes within 30 days. It is deeply concerning that none of these companies have taken the necessary steps to address my concerns and provide a timely resolution. 

To provide further evidence, I have included the tracking numbers from my certified mail for each respective company : - XXXX XXXX XXXXXXXX - Transunion Consumer Solutions : XXXX - XXXX XXXX XXXX XXXX : XXXX I request that the Consumer Financial Protection Bureau intervene and take appropriate action against Transunion, XXXX, and XXXX for their failure to comply with federal regulations. I trust that your agency will investigate this matter thoroughly and ensure that my rights as a consumer are protected. 

I appreciate your attention to this complaint and look forward to a prompt resolution.
Product: Checking or savings account

I have been with Capital One since I was XXXX XXXX XXXX and have had minimal issues until now. On XX/XX/2022 I received a text message from the Fraud department asking if I attempted to make a purchase in which I replied no. My card was charged 3 times for a total of {$110.00}. I went to a gas station the day before this incident and must have dropped my card without realizing it. I called to dispute the payments at which some point the customer service rep asked me if I had my debit card with me. I assumed I had the card without checking to see if I actually had it and told the representative that I did have it. Because of this they have denied my claim and stated that I authorized the payments since it was chip enabled. They credited my account for the full {$110.00} but will remove the money from my account since the claim was denied. Ive been with capital one for over 11 years and have only disputed a payment less than a handful of times. I have tried to appeal their denial but they are not willing to solve this problem. I dont understand how Capital Ones XXXX department notified me of these purchases but denied my claim. I am beyond frustrated and upset.
Product: Credit reporting or other personal consumer reports

Equifax has been reporting and sharing invalid personal information, addresses, telephone numbers, employers as well as accounts and inquiries that are unknown or no longer open! My personal information has been shared to other telephone numbers and I have no idea how the numbers were even found.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unlawful billing practices under XXXX XXXX 's periodic statement generation policy. Per XXXX XXXX response on XXXX XX/XX/2021 to CFPB complaints { XXXX, XXXX and XXXX }, XXXX policy was to provide a minimum of twenty 20 days between statement generation date and statement due-date. Bill generation consistently under requirement of twenty-one ( 21 ) days as outlined in 12 CFR 1062.2 ( a ) ( 4 ). I have received disparate treatment under XXXX XXXX XXXX and have suffered harm under XXXX unlawful acts and practices.
Product: Debt collection

In Alaska nonjudicial foreclosure sales require strict adherence to legal procedures, including ensuring that the legal descriptions of the properties are accurate. If the legal description of a property is incorrect, the foreclosure sale can not proceed as it may lead to potential legal disputes and challenges from interested parties. 

It is important for lenders and foreclosure trustees to carefully review and verify all legal descriptions of the properties before initiating a nonjudicial foreclosure sale in Alaska. Any errors or discrepancies in the legal descriptions should be promptly addressed and corrected to avoid any delays or complications in the foreclosure process. 

In case of incorrect legal descriptions, lenders may need to seek legal advice and assistance to rectify the issue and ensure that the foreclosure sale can proceed in compliance with Alaska 's foreclosure laws. It is crucial to follow the proper legal procedures and requirements to avoid any potential legal challenges or complications during the foreclosure process.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX To Whom It May Concern I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$8500.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$260.00} Please block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

Good morning, I am reaching out in regards to this provision that applies to those with auto loans where payments were not applied correctly and might have resulted in higher interest or late fees, as well as wrongful repossessions. It also applies to those that paid for GAP coverage ( covering the full loan after accidents or theft ) when Wells Fargo didnt refund money in some cases, as in when the loan was paid ahead of time. 

Thank you. 

XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I went to civil court for a furniture payment for damaged furniture that I was not able to pay for. It was dismissed immediately and it is still being reported as collections. Calvary Portfolio I Spv never even showed up in court! The continue to report negatively it needs to be reported as zero and reported honestly. It is fraud and I need help please.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.Please REMOVE all of the fraudulent information listed below from my credit profile, pursuant to section 605 ( b ) of the Fair Credit Reporting Act.