23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against American Express National Bank ( hereinafter referred to as " American Express '' or " the Bank '' ) regarding their continuous and deliberate breach of our arbitration agreement over the past ten months. Despite our clear contractual agreement to resolve disputes through arbitration, American Express has failed to participate in or pay for the arbitration process, thereby violating the terms we mutually accepted. 

The arbitration agreement in question is detailed in our contract and it explicitly mandates that any disputes or claims between the parties should be resolved through arbitration as the exclusive method of dispute resolution. The agreement also specifies that American Express is responsible for covering the costs associated with the arbitration process. I paid my share of the filing fee and complied with my duties under the arbitration agreement. 

However, since XXXX of 2023 when I initiated the arbitration process to address a dispute, American Express has consistently neglected its obligations. To outline the chronology of events : In XXXX of 2023, I formally initiated the arbitration process via JAMS in accordance with our agreement. 
Despite multiple reminders and requests for American Express to participate, they have neither engaged in the arbitration proceedings nor fulfilled their financial obligations for the process. 
This situation has persisted for the past ten months, during which time American Express has failed to cooperate or make any effort to resolve the dispute through arbitration. 
This breach of our arbitration agreement by American Express is not only in direct violation of our contractual arrangement but also undermines the principle of fair and efficient dispute resolution. I have made every attempt to engage with American Express and seek a resolution through the agreed-upon arbitration process, but their persistent non-compliance has left me with no other recourse but to seek your intervention. 

I kindly request that the regulatory body investigate this matter thoroughly and take appropriate action to compel American Express to comply with our arbitration agreement. Additionally, I seek your assistance in ensuring that American Express reimburses me for any expenses incurred as a result of their non-compliance with the arbitration process. 

I understand the importance of regulatory bodies in ensuring that financial institutions adhere to their contractual obligations and the laws that govern their conduct. I trust that your intervention will help resolve this matter promptly and fairly. 

Please let me know the steps I should take to assist in your investigation and provide any additional information required to facilitate a resolution. 

Thank you for your attention to this matter, and I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

To whome it may concern ive requested documentation from Experian on a account and public record, the public record isnt mine and the account with XXXX XXXX Experian says Im late Ive called the bank XXXX XXXX the manager of the loan department says no you arent lat nor have I ever been late experian is also showing the account was closed and transferred in XXXX of 2023 this account was paid in full on XXXX the other XXXX bureaus have all the correct information Experian does not comply with the FCRA LAWS by law they need to have and show documentation of there investigations and findings and supply them when asked by the consumer! The public record isnt mine Ive reached out to XXXX XXXX the dont have nor show a bankruptcy on file or that Ive ever filed experian still refusing to remove it XXXX and XXXX also has no public records on me as they shouldnt i need this to be fixed resolved and removed from my credit file asap It has cost me lots of money and problems. My next step will be intent to sue on every violation on my experian report Also According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please have them remove the public record and update the XXXX XXXX account immediately the XXXX account in question has a starting balance XXXX thank you for your time
Product: Debt collection

Portfolio Recovery Associates , LLC sent me a debt collection letter on the following date with the following price on it. 
XX/XX/year> {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY ALSO USED MY ID TO OPEN AN APARTMENT LEASE IN MY NAME. THEY ALSO OPENED UP A CABLE SERVICE ACCOUNT IN MY NAME AS WELL. I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, TRANSUNION, AND XXXX XXXX  & # XXXX 's. ON XX/XX/2021 I MAILED XXXX, TRANSUNION, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/OR FAILED OR REFUSED TO BLOCK USUSAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VILOATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICE FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Product: Payday loan, title loan, or personal loan

I didn't know that when I took out the loan that there were high interest rates! Getting emails about legal action!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received notification today, XX/XX/XXXX, from XXXX   that XXXX pulled my credit file ( FRAUDULENTLY ). This is the second time in the past 5 months this has happened. On XX/XX/XXXX XXXX FRAUDULENTLY allowed my credit to be pulled. I have attached a previous CFPB complaint with XXXX and a letter from XXXX verifying it was fraudulent. I have attached my complaint letter directly to XXXX telling them it was fraudulent as well, and to NOT extend credit in my name without verifying my identity. After this happened I filed with the FTC as a victim of identity theft ( see attached ). There is also Fraud Victim alerts placed on all my credit files with the 3 major credit bureaus stating to contact me at my phone number to verify my identity ( see attached ). XXXX did NOT do this and pulled my credit file with out my permission or consent again. These inquires are ILLEGAL. Remove the fraudulent inquiry from my file immediately or I will file suit. I already have a consumer protection attorney, who I will be contacting immediately regarding this issue, due to previous identity theft.
Product: Credit reporting or other personal consumer reports

Experian continues to violate federal law. They ignore all of my request and send me stall letters. This has ruined me and my families life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian notified me on XX/XX/2020 that there were changes to my credit balance and usage on my credit file. I then followed the link provided ( verified it was to Experian website ) and then tried by entering the URL myself. I logged in using my userid and password which were accepted but the site kept taking me to a page where I could request and free credit report but, to do so, asked me to log in to my account and then took me to the same log in page as before. It is recognizing my account and password as if I enter either invalidly, I receive an error. No other option is being provided for me to review the account, NOTE : my credit accounts with all agencies have a freeze applied. This may the be reason I can not  see my own account BUT there is no error message indicating a problem, just circular logic that keeps asking me to log in from a page for a free credit report which ten takes me back to the same page. 

I tried contacting Experian via the provided number XXXX where I am presented with an automated menu that provides no way to talk to an actual person. I have tried all the menu options and there are none that addresses the problem of not being able to see the reason for sending me an email about account changes and then asking me to log in to my account to review them Any attempt to go around the automated menu results in a hangup.
Product: Mortgage

X/X/2017    my mortgage payment was increased by  XXXX   . I  contacted " loan care '' in regards to this situation. They informed me my escrow account was some how negative, with no explaination of how why or where the escrow money went, but that i am responsible for correcting the issue. Ive had this mortgage for going on 4 years, have all escrow statements and have never once had an issue until this company took over my loan. The most unknowledgeable people ive ever spoken to the lady tried telling me my account has been in the red since closing ....? I explained to the lady i have no control over the payment after it leaves my account that they need to figure it out on their end.. I contacted an attorney in the matter of this case and he knew who i was dealing with before even telling him. Im going to start a re finance this coming friday and also looking to pursue a lawsuit against the company. Ive read several similar reviews identical to mine and have attempted to reach out in contact with these people in similar situations in attempt to gather lengthy and worthy testimony should it make it to court. As far as im concerned this company is a fraud/scam and should no longer be able to operate as a business. Unbelievable!
Product: Debt collection

I feel my consumer rights have been violate by First Heritage Credit. I recently received my XXXX report. To my surprise on section 8 i had a small claims judgement. I had no knowledge of. I called the clerk 's offices and asked about this judgement. The lady stated i was served on XXXX XXXX. I told her no one had served me anything. The lady stated they can tape it to the door. I told her no one left anything taped to my door. She looked to see where it was left. But she couldn't find where it was left. Only a note stating i was hostile and uncooperative. She told me the judgement was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cents. I told her i never received anything about this judgement. She stated because i didn't show up for court. The courts side with First Heritage Credit. She told me i can write the courts. On XXXX XXXX i received an alert from XXXX XXXX letting me know First Heritage ran my credit. I called CFPB to file a complaint on them. The agent i spoke with told me to call First Heritage. To see why they ran my credit. I called First Heritage and spoke with XXXX. She stated as long as i owe them, they can run my credit anytime. XXXX stated i was served on XXXX XXXX. I told her i was never served and that was a different date from the courts. XXXX stated the could be the wrong date. She placed me on hold. Then the manager XXXX took over the call. He stated the same thing about running my credit. I asked when i supposed to been served. He said XXXX XXXX. XXXX stated the balance was over XXXX XXXX dollars and some dollars. How would you like to pay this. I told him my ex-husband the one whos been paying this. He stated spouses do it all the time. I asked him for a printout of the payment history. The one they gave me i gave it to my divorce attorney. It had on it the husband made payment or made a payment arrangement. He said no get it from your attorney. I called the corporate office at XXXX. I was transferred to the audit compliance department. I spoke with a XXXX told her what happen. She stated the same thing about running the credit. XXXX in the audit compliance department stated my balance was XXXX XXXX dollars but that could be wrong. The account was charge off XXXX XXXX. This company is reporting inconsistent. This account was update on my credit report XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX USDOE/XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Product: Debt collection

Citi bank credit card keeps calling for a XXXX and u have told them they have ththe wrong phone number. HAve been calling since XXXX XXXX. I auto rejected them but enough is enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a letter was mailed to me stating that I was denied for credit due to a low credit score from some company by the name of SageStream llc XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I do not know who these people are nor did I give their company permission to get my information and come up with some crazy score. These people need to be stopped!!! I do not feel my information is being represented correctly by these people nor do I think they should have my information. I do not want this company acting on my behalf.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 states a consumer reporting agency can not furnish a account without my written instructions u.s.c 168 ( c ) a 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information another adverse item of information other than records of convictions of crimes which antedate the report by more than 7 years 15 u.s.c 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has responsible cause to by liens that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I used my credit card as defined under 15 USC 1602 ( a ) ( L ) to extend myself credit through the company called, '' PenFed Credit Union '' and I was denied. I received an adverse action letter from their company attempting to explain why I was denied. This was clearly an act of discrimination pursuant to 15 USC 1691 ( a ) ( 3 ). I in good faith exercised my right to extend credit as a consumer, and as a creditor I was denied for no specific reason. PenFed Credit Union also violated 15 USC 1602 ( a ) ( p ), by using my credit card with no apparent authority, and I the cardholder and consumer received no benefit. Furthermore, they are civilly and criminally liable under ( 1 ) 15 USC 1611 ( 2 ) 15 USC 1640 ( 3 ) 15 USC 1691 ( e )
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number.i am a victim of identity theft/data breach.i contacted the federal trade commission and filed an ftc report number:XXXX which is attached.please block remove all negative accounts listed below from my credit report and send me an updated copy of the credit report.i have submitted numerous dispute letters and you have taken advantage of my federally protected rights under15u.s.c1681c2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance $ XXXXon transunion and eXXXX XXXX XXXX XXXX XXXX XXXX  acount # XXXX balance {$1400.00} on transunion XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX balance {$26000.00} on transunion and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX acount XXXX XXXX balance {$6500.00} on XXXX and XXXX please block delete the aforementioned accounts within XXXX business days of receiving this complaint in accordance to 15 usc 1681c-2 the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days.failure to respond satisfactory will result in a small claims action against your agency.i will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each per 15 usc 1692k : 1.defamation of character. 2.neglegent enhancement of idenity fraud. 3.violation of the fair credit reporting act 4.violation under 15 usc code 1681o-civil liability for negligent non compliance. 5.violation under 15usc 1681n ( b ) civil liability for willful non compliance.i am enclosing a credit report from today that has all of the inaccurate inconsistent incomplete information being reported highlighted.it is the data furnishers responsibility to report 100percent accurate information of delete from my file because it is severely hurting me from obtaining a new home and a car.i am fighting XXXX XXXX XXXX and need to be able to go to the doctor, and pick up my kids from school.i demand a proper investigation.when ever a consumer report containing any negative information being reported with out my written consent is considered identity theft and I never authorized any of these accounts to be opened or reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have my federal loans in borrow defense since XX/XX/XXXX. the sallie mae/navient ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXX which goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested verification information for a collection account wuth XXXX XXXX XXXX. I have waitied more than 30 days. I have not received any verification information per my rights under the FCRA. Below is the information that is reporting with Experian and Experian, along with XXXX XXXX XXXX has refused to verify within the 30 day time period. Below is the information that is reporting. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Experian XXXX Account # : - XXXX - Account Type : - COLLECTION - Account Type - Detail : - Collection - Bureau Code : - Joint Account - Account Status : - XXXX - Monthly Payment : - - - Date Opened : - XX/XX/XXXX - Balance : - {$2100.00} - No. of Months ( terms ) : - 1 Month - High Credit : - {$2100.00} - Credit Limit : - - - Past Due : - - - Payment Status : - Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX internal collection department - Last Reported : - XX/XX/XXXX - Comments : Completed investigation of FCRA dispute consumer disagrees Date Last Active : - XX/XX/XXXX - Date of Last Payment : - --
Product: Credit reporting or other personal consumer reports

During XX/XX/XXXX, I requested a modification of my mortgage loan. XXXX XXXX XXXX sent me notification, XX/XX/XXXX that I was approved for a trial modification and instead of making regular monthly payments to pay the exact amount of my trial period plan payments of {$1600.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, the letter informed me that they would continue to report to credit reporting agencies the status of my loan as well as my entry into a Trial Period Plan, in accordance with the requirements of the Fair Credit Reporting Act andf the XXXX XXXX XXXX XXXX. In addition, my loan will be reported as paying under a partial or modified payment plan during the trial period. 

The letter further informed me that my existing loan terms will remain in effect and unchanged during the Trial Period Plan and I will continue to receive monthly statements that will show the payment amount based on my existing home loan agreement. However, please pay only the new Trial Period Plan payment amount instead of your regular payment amount until I hear from them about a permanent home loan modification. 

On, XX/XX/XXXX I received the approval letter for the modification. This letter informed me that I had successfully completed my trial modification and they are pleased to let me know that I've been approved for a permanent loan modification. The condition to receive a permanent loan modification was to make the trial payments on time, by the XXXX of that particular month in which I did. 

XXXX XXXX XXXXXXXX, instead of notifying the credit reporting agencies of my modification status and Trial Period Plan, they reported late payments from XXXX which is inaccurate and a direct violation and a willful failure to comply with the Fair Credit Reporting Act. They failed to notify the credit reporting agencies of my loan modification status and that I was on a Trial Period Plan. Additionally, they reported late payments when payments were sent XXXX, XXXX and XXXX. 

In XXXX, I requested a detailed payment history to include XXXX payments. XXXX XXXX XXXX failed to send XXXX of XXXX, but sent XXXX from XXXX.
Product: Credit reporting or other personal consumer reports

XXXX hard inquiries from Capital One : XX/XX/2023 XX/XX/XXXX XXXX The following hard inquiries reflect on both my XXXX and XXXX credit report which is in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b. 
I have not initiated any transactions with such company, nor do I have an account with them for review or collection purposes. Therefore, there is no valid reason for them to access my credit report.
Product: Money transfer, virtual currency, or money service

This company processed a refund to my debit card and it was not processed, due to me having it locked. Its been MONTHS of them saying they have put a high priority and I should hear from them in XXXX business days to update me of the status of my refund check being mailed to me. They constantly give me the run around and fake empathy, but have not given me my refund.
Product: Debt collection

Heres your revised dispute letter : Subject : Dispute of Unauthorized Account on Credit Report To Whom It May Concern, I am writing to formally dispute an unauthorized account that appears on my credit report. My name is XXXX XXXX, and the account in question was created with Apple Card GS Bank on XX/XX/year>, with an outstanding balance of {$2300.00}. 

I did not create this account. My personal information was compromised in a data breach, and I believe this account was fraudulently opened using my stolen information. 

Here are the details of the account for reference : Creditor Name : Apple Card GS Bank Account Number : XXXX Date Opened : XX/XX/year>XXXX  Disputed Amount : {$2300.00} I request that the CFPB investigate this matter thoroughly and facilitate the removal of this account from my credit report. Please inform me of the next steps in the investigation process. I am committed to providing any additional information needed to resolve this matter. 

Thank you for your prompt attention to this dispute. 

Sincerely, XXXX XXXX