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

I called American Express Early XX/XX/2022 to cancel my American Express Credit Card. I was cancelling my card because I received an annual fee. As an exception American Express waived the fee and closed my account. Days later the fee was still on my account. Once again American Express stated the account was closed and they will waive the fee. Last week I received an e mail stating a min {$40.00} payment was due. American Express has locked me out of their online banking portal. i called them for a 3rd time. At this point they advised that I had a balance- of the annual fee. The representative ( Employee : XXXX ) stated they were not able to assist me, nor would they send me in writing the account was closed and the fee was waived. I had to wait for a call back. This caused major distress. The employee confirmed the in their system of record notes the account is closed, and the fee is waived. American Express was negligent and charged me an annual fee on an already closed account. This is very concerning, how may clients are they doing this too? This issue needs to be investigated. My account was closed. American Express 's system of record supports they waived the fee and closed my account in XX/XX/2022. XX/XX/2022 they charged a closed account an annual fee. They had no way to correct this.
Product: Credit card or prepaid card

I spoke to Capital One to attempt to make arrangements for lower payments during financial hardship, they have options but they stated they will still be reporting as delinquent regardless of what was done on that call unless I paid the entire past due balance in a lump sum
Product: Bank account or service

I opened up CapitalOne 360 Savings account in XXXX 2015 after seeing advertisement on-line. 
Bank promised {$500.00} bonus after keeping XXXX in the account for 90 days. I called them couple times to confirm the ad. Now, Bank is claiming that I am not eligible for bonus because I had savings account with ING bank 15 years ago. ING bank is now part of CapitalOne. I also was told that I have 30 days to transfer all the money to the account. Bank is saying that it is only 10 days. I believe CapitalOne is not playing fare and tricks customers with small prints and misleading information over the phone.
Product: Debt collection

I have over XXXX inquiries on my credit I did not apply for please remove items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having problem with Experian for some reason they will not update my report. Can you tell me why? I think is ridiculous that I have to file another complaint to get them to update my report. How hard it is to update like they are suppose to. I want this fix now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, ecperian and XXXX has some accounts on my credit that is not mine.
Product: Debt collection

On XX/XX/2023, Leviton Law Firm , Ltd., sent a letter trying to collect a debt I didn't owe. That letter gave me 10 days to respond, but the letter wasn't received by my office until XX/XX/2023, after the expiration of their unilateral deadline ( unfair act # XXXX ). 

I responded the day I received the letter, sending an explanation of why I don't owe the debt along with backup documentation. 

On XX/XX/2023, I received another letter from Leviton Law Firm , Ltd., which gave me five days to respond. That letter was dated XX/XX/2023, and it also arrived after the deadline ( unfair act # 2 ). 

On XX/XX/2023, I called XXXX XXXX at Leviton Law Firm, Ltd. 

Eventually, XXXX acknowledged my XX/XX/XXXX response but only after I mentioned it several times ( deception # 1 and unfair act # 3 ) and only after he raised his voice at me so loudly that I had to pause the conversation and decide whether I wanted to continue talking to him ( abusive conduct # 1 ). In pitched tones, he said, '' What? Do you think this is going away? This isn't going away. We've already started the process. You're already in the process. '' Initially, he called my XX/XX/XXXX email a " dispute, '' as if that made my email somethingless than a response ( unfair act # XXXX ). It was a response. The letter that I received on XX/XX/2023, started out with the comment " since we have not received a response from you .... '' That statement is untrue ( unfair act # 5 and deception # 2 ). 

XXXX didn't acknowledge the attachments to my response ( unfair act # 6 and deception # 3 ) until I asked point blank if he had looked at them. He then told me it didn't matter what I had to say because he had the records from XXXX  ( unfair act # XXXX and abusive conduct # 2 ).

I do not know what he meant when he said I'm " already in process. '' But, it was clear to me he wasn't attempting to resolve this matter. He was using scare tactics ( unfair act # 8 ). 
This is especially true because I told him that I spoke with XXXX  ( on XX/XX/2023 ) to make sure that both the policy I knew about and the strange reissued policy that I didn't know about were canceled at the same time. He refused to discuss the point ( unfair act # 9 ) and told me, in raised voice again, that it can take XXXX  30 days to process a cancellation. This is irrelevant because that is a procedural issue, not a cancellation effective date issue ( deception # 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

All the major credit bureaus have continued to disrespect existing laws regarding my case. I have showed them multiple times of how they have been inaccurate in their reporting, and as such are violating the Fair Credit Reporting Act. 

The law regarding article 15 USC 1681i ( 5 ) of federal law, credit bureaus have to modify or delete accounts that are not reporting accurately. 

These credit bureaus have violated article 15 USC 1681b ( 1 ). They have had no written permission to report inaccuracies. 

As an American Citizen, Article 15 USC 1681 provides me with privacy rights and protections. 

According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The law is clear regarding in this regard and the credit bureaus have shown no respect for the laws of this land. 

Just as the little guys is held accountable for thier action, equally NO ONE IS ABOVE THE LAW. 

I am asking for help from CFPB to help straighten my case.
Product: Credit reporting or other personal consumer reports

Ive recently reviews my annual credit report to purchase property and discovered fraudulent accounts on my report. Per consumer law 15 U.S. code 1681 I would like all inaccurate information removed from my credit report as it is hindering me from establishing positive credit. Thank you.
Product: Debt collection

I have sent a debt verification several times and only received a statement I have asked for the original contract and payment history and never received it
Product: Credit reporting or other personal consumer reports

I have sent certified letter to Equifax, XXXX, and XXXX to have the following fraudulent accounts, resulting from identity theft, removed and blocked from my conumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the creditors and they all advised me to contact the credit reporting agencies to go through the fraud procedures.
Product: Mortgage

Chase lending is discriminating against me for being low income and elderly by not choosing to withhold crucial information for closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting an account they have yet to validate. I previously disputed the validity of the reporting by XXXX XXXX and requested documentation used to verify this account and received nothing from Equifax or the creditor. XXXX  and XXXX  were not able to verify the debt either so It was deleted about a year ago, yet I find it disturbing Equifax is still reporting false information. Equifax also has failed to update my reports and score in over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problems with inaccurate, unverified information reporting on my credit report, which is preventing me from obtaining credit and harming my character as a consumer, I have contacted XXXX, Equifax and XXXX  concerning this matter asking for proof that these accounts was properly verified and reporting accurate information and nothing has been sent or done to fix the problem.
Product: Credit card or prepaid card

A credit card was opened in my name with Chase bank, who I did not have an account with prior. This card is being used to purchase items online, and Im receiving emails about overdraft accounts from chase. 

I called Chase bank once o found out about this, and was hung up on. I went into a Chase bank, but was just told to call the same number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the same issue with all XXXX credit reporting agencies for the past XXXX XXXX dating back to XX/XX/2021 on an error that was not made by my own doing. There are late payments reporting XXXX of the XXXX student loan accounts I have. I have asked them to verify the information they had with XXXX XXXX verifiable proof XXXX and all I received were automated responses that were generated from the XXXX system they use to automatically verify an account which is a violation of the FCRA. By law the information that they are reporting " SHALL, '' meaning MUST by LAW, report XXXX XXXX accurately. Here are reasons as to why they are inaccurate : XXXX. ) They failed to include the transaction history within my credit report with each delinquent account on my credit report which violates XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) ( B ) " EXCLUSIONS FROM A CONSUMER REPORT '' XXXX. ) Dates of delinquency are reporting inaccurately across all XXXX agencies. If a furnisher is reporting information to each bureau, they all SHALL report the same. 
XXXX. ) Failure to notify me of delinquency within XXXX XXXX of delinquency which is a violation of XXXX XXXX XXXX XXXX XXXX XXXXXXXX I've asked the bureaus to provide complete and maximum possible accuracy of this issue and still received an automated response of them items being verified which means they are now intentionally reporting these inaccuracies on my credit reporting after being made aware of the errors.
Product: Credit reporting or other personal consumer reports

these hard inquiries are fraudulent and doesnt belong to me and need removed XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXXXXXX - XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXXXX/XX/XXXX- XXXX XX/XX/XXXX- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Early this year there was a mix-up with my mailing address that is still affecting my credit score. After making payments for what I assumed was interest to avoid capitalization, my correspondence from Navient began inexplicably being sent to an address that was over a decade old, and I received neither emails nor phone calls that notified me of the change. Again, I had been receiving correspondence and even made payments from my current address at which I 've been since I purchased it in XXXX. It was only until seeing a major dip in my credit score that I was even aware there was a problem. After speaking to one of Navient 's representatives to see why they 'd reported me as delinquent, XXXX, and later a manager, XXXX, we were able to get the situation cleared up. They acknowledged that correspondence had been sent to several old addresses and were unable to determine precisely why. They claimed that they had tried to contact me but I can attest to the fact that I received no contact. My current address and phone number were confirmed and my account was made current and placed into deferment until my next payment which was due XXXX/XXXX/XXXX. Unfortunately, my credit score is still showing me as having delinquent payments, even though I didnt receive any bills, correspondence, or contact of any kind from Navient after the payment made in XXXX XXXX ( again, made under the impression that it was another interest payment to prevent it from being capitalized since I had n't received anything that indicated that my loan had moved from a deferment to a repayment status ). 

Ive filed a dispute with the credit agency ( XXXX ) already and did the same with Navient. I asked Navient to send me a written confirmation that my bills were being sent to the wrong address so the credit agency could complete their investigation and repair my credit score. Failing that, I asked that they provide an updated report that reflects the fact that my account was current, no payment was due until XXXX/XXXX/XXXX, and I was therefore not a delinquent borrower. I provided all this information to Navient in the form of a letter, along with a copy of my credit report. Also included was a copy of a billing statement dated XXXX/XXXX/XXXX which reflected no past due balance and no payment due until XXXX/XXXX/XXXX. 

Navient has refused to remove the delinquency or provide the information I requested so I can try to get the matter resolved through XXXX. Because my Federal loans count as 13 separate accounts, this has had a MAJOR impact on my credit score. My payment history for this and all other lenders is otherwise flawless and it is n't fair that a mistake made by Navient can have so much impact on an otherwise perfect history.
Product: Debt collection

XX/XX/2022 I receive a letter < debt collection, from ON LINE INFORMATION SERVICES XXXX XXXX XXXX XXXX NC XXXX PHONE # XXXX XXXX XXXX Stating that I owe {$160.00} for the company XXXX XXXX XXXX XXXXXXXX XX/XX/2022 I called the company and they stated that it is regarding an account for someone with my name in Texas and that i need to do this report along with a policy report in order to prevent for this to be on my credit repost thus I am doing it. Please help, I have never lived in Texas and I do not know what is in regards. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.. I am writing this due to non-compliance with the ( Equifax, ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

Alliance One is the collection agency used by the City of XXXX XXXX to collect past due accounts. They billed us for a previous-year tax issue which was resolved. XXXX agrees, and has sent us emails confirming the closure of the issue. Yet, Alliance One continues to robocall us twice a week. Each time I call them, I ask them to contact their client, and they refuse to do so. I also tell them to stop calling here, and that demand has been roundly ignored. XXXX XXXX also refuses to contact Alliance One, insisting that I request a statement or invoice to forward back to the city as proof that the account is still being pursued ( which they wo n't do ). Neither entity seems particularly motivated to end this. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were placed on my credit report without my authorization : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent information to the XXXX major credit bureaus requesting they verify my accounts as quite a bit of information is inaccurate. below is the letter that was sent including each account I requested verification for. I do not have the complete account numbers included. This information has been verified as accurate yet it is still inaccurate. 

I received a copy of my credit report with the intention of improving my credit and noticed a few accounts that I wanted a little more explanation on. I am not sure my report is XXXX percent accurate. From my understanding, according to the Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am not confident is accurately portrayed on my report. Some of the items being reported are from companies I have not conducted business with and have never heard of which is concerning and is another reason for this letter. 

After becoming familiar with 15 U.S.C. Sec. 1681i ( a ) I understand that if you cant provide proof, these accounts must be deleted from my report. I want these accounts deleted if they are not XXXX percent correct. It is also my undertanding that you have XXXX days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or incorrectly listed on them. I'd like to know who else has access to my file and upon completion of the entire investigation please send the results and the updated credit report to the address listed in this letter. Thank you for your time and help in this matter. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX  XXXX XXXX Validate Account XXXX XXXX Validate Account according to my rights under the fair credit reporting act, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Island finance wont remove late payments that were due to covid-19.
Product: Checking or savings account

Ive been banking with Chime bank for a few years now, randomly one day in XXXX they decided to close my account. They emailed me stating I didnt follow company policy so they would be closing my account XX/XX/year>. When I tried to transfer all my money into a new account I created with another bank, it kept saying error so I called chime and they closed my account 3 days earlier so I could not access my money. It is now XX/XX/year> and I still have no updates on my closing check. I call them at least twice a week and they always state someone will email me and I never get a email. Ive had over {$4000.00} in my account with chime at the time they closed it. Money that was going to be used for back rent and utilities. Since then Ive had to move out my apartment because I could not pay rent and got kicked out. I need help!!
Product: Credit card

I was contacted by phone by a company ( which I initially believed to be Capital One calling ) claiming to lower the interest rate on my Capital One card. During the process I was asked to agree to a fee which they explained would take the place of my existing interest charges on the account, however when they were unable to negotiate with Capital One and I realized they were not actually my credit card service I requested to cancel my transaction. The man on the phone became very hostile and threatened me with collections on the amount k had agreed to pay before. I asked to speak to a manager and demanded that everything be cancelled because I was no longer interested. I was then told that the previous man I had been speaking too would process my request to cancel and during this process he asked questions that I was uncomfortable answering and when I asked why he needed it he said it was so he could complete the cancelation request. I was then told that I was denied a cancellation but had been approved for a card through XXXX at 0 % interest. I became enraged and told them I did not want a XXXX XXXX and had not been told earlier in the interaction that they would be applying me for another credit card. I was told again that I had no choice and could not cancel the transaction. They then called XXXX and instructed me to tell them I wanted a balance transfer. At this point, believing I had no choice and would be charged anyways I did what they asked and ended the transaction. I did not provide them with my bank routing number as they requested and they said they would call back. Immediately upon ending the phone call I contacted XXXX and told them what happened and they transferred me to the Fraud department who assisted me in cancelling the card and balance transfer. Over the next few days I was called consistantly by a blocked number but did not answer the calls. I then received a message on XXXX that on Friday my bank account would be charged approx {$800.00} for their services and was given a phone number to call the manager back. I called back and spoke to the manager who told me that I had no choice but to pay even though I had cancelled the cards and received no benefit. When I told him that I had tried cancelling at the time because I had not been told previously about having to get a XXXX XXXX and did n't want to continue if that was the process. He basically told me it was n't their fault I did n't understand the process and I had no choice because I had made a verbal contract. He said then that my mandatory payment would be sent to a collection agency and would negatively impact my credit score. I have placed fraud alerts on my accounts but do not want to be negatively affected. I believe I was misled into agreeing to pay for a service when they did not dislose the entire process to me initially. I had even been told verbatum that my credit card number would not chance which I why I did not expect a different credit card account to be created. In addition to this I learned after that legitimate companies will not contact you regarding interest reductions like this and I was involved in a scam.