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

After 23 years of membership, AMEX changed the terms of my membership WITHOUT notice to me. I was a Platinum card owner and had no preset limit and had the extended payment option on my account. I made a {$2500.00} payment last billing cycle with the written understanding from AMEX that my account had the embedded extended payment option. Recently, I received notice from AMEX that my entire balance was due and AMEX charged me a {$38.00} late fee. AMEX also charged me {$450.00} to renew my card. I called AMEX on XX/XX/XXXX and told them to cancel my membership immediately as of XX/XX/XXXXand provide me with my balance. I made 2 payments last nite. One for {$3000.00} and the next for over {$6900.00}. I asked AMEX reps if the balance included the renewal fee. AMEX confirmed that the balance given to me did NOT include the {$450.00} membership renewal fee. This morning, I checked my accounts online and AMEX defauded me into believing that they did not charge me a renewal fee. I now have a CREDIT balance of {$780.00}. When I asked AMEX on XX/XX/XXXX, why they lied about removing the {$450.00} renewal fee. They told me to file a dispute online. I want my {$780.00} refunded to via wire transfer immediately. AMEX should not get free use of my money when they clearly defrauded me by lying about my account balance and renewal fee.
Product: Credit reporting or other personal consumer reports

I requested that XXXX XXXX XXXX XXXX acct # XXXX XX/XX/XXXX be removed from my credit report. Two issues with this account 1 ) This account belonged to my late XXXX XXXX XXXX XXXX XXXX ) this account was included in bankruptcy and the bankruptcy was given a hardship XXXX XX/XX/XXXX due to his passing away. The account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


In accordance with the Fair Credit Reporting act CITICARDS CBNA 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

An attempt to open an American Express credit card using my information was made on XX/XX/22. I received an alert from XXXX XXXX and I contacted American Express. I reported this was fraudulent and was told this would be removed in 30 days. As of today XX/XX/22 the inquiry is still on my XXXX  credit report.
Product: Debt collection

In 2016, a former apartment community, XXXXXXXX XXXX  XXXX XXXX ( XXXX, CA ), tried to charge me for repairs & cleaning after I moved out, without providing me an itemized receipt of these charges. This apartment had burns on the carpets and stains before I moved in and I don't even smoke! They took my entire deposit of {$1100.00} ( 600+500 pet deposit ) PLUS billed me for an additional {$1200.00}. I did not get a " pre-move out inspection '' because I know that I took care of that apartment while I lived there for 2 1/2 years. I attempted to obtain an itemized receipt from the leasing office approx 20 days later and the leasing agent told me they had sent me to collections already and had no receipts to provide me. This debt was sold to IQ DATA INTERNATIONAL INC, who has since increased my balance to {$1700.00}! Charging over {$500.00} in interest on a non-interest bearing account. I never received written notification of this debt, as I moved. I did forward my address as well and have seen this negatively affecting my credit score month after month but never received any proof of the charges. They called me while I was at work, I gave then my current address but told them I needed proof of these charges, and then asked how they can legally charge me interest on this account. XXXXXXXX XXXX XXXXXXXX XXXX ( CA ) is no longer in existence and the apartment complex is now owned by XXXX XXXX XXXX. Today, I called XXXX XXXX to attempt a copy of any receipts they might have. I was told they don't have records prior to late 2016, I gave them my name and they found nothing. There is no proof that I even lived at this apartment complex according to their current records. I should not have to pay for fraudulent charges with no proof they exist, and continue to have this affect my credit report.
Product: Debt collection

Starting in XXXX, I started receiving calls from a company called World Wide XXXX. They state to me they have tried to serve me legal papers, I verify the address and then they get rude and tell me they dont have to reserve me. I have even checked with the sheriff, no warrant. I keep telling them not to call, they tell me they have every right to call. They are rude, they get beligerent and tell me they know their legal rights. 
Now they are contacting family memeber, and my job. They have called my work three times today, finally my coworker told them I 'm not here anylonger and the lady told him that 's untrue. She was pressing him for personal info on me. He ask her not to call and she said she had every right to continue. 
I called back the number XXXX, Case XXXX spoke to XXXX, told her I was recording her, she told me I had no right. She transferred me to a XXXX XXXX that said he was a legal officer, who called me a deadbeat that he had my credit file and that I was a professional con artist. I ask him to mail me whatever file he had and he said it was my responsibility to call the company to collect the data. I told him not to contact me at work, home or by relative. He told me I 'll meet you in court and hung up, only to call me right back. They will only provide a name, World WIde XXXX and the XXXX #. They will not provide the address for me to call. Please help, this is interfering with my job and I 'm a single mom of XXXX with XXXX income. 
I 've ready my rights on the FTC consumer info site and each thing I 've listed above they are in violation.
Product: Checking or savings account

I have disputed multiple transactions with 3 different banks like Citibank, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX about money being stolen from my account to make various large purchases, people withdrawing money from my account at banks and even taking vacations using my debit cards. I have tried to plead with the banks to fix the issue, but instead of refunding my money, they all say it is my fault and they will not refund my money and I have lost over {$120000.00} in the last 8 months and I don't know what else to do.
Product: Vehicle loan or lease

I signed a contract for XXXX year loan and the company does not extend loans further than XXXX years. I have surpassed that XXXX years and upon inquiring Im being told someone refinanced the account but it doesnt show who.
Product: Credit reporting, credit repair services, or other personal consumer reports

I satisfied a judgement with the court for an item listed on my credit report. The judgement for XXXX XXXX XXXX was paid in full on XX/XX/19 in the amount of {$2200.00} I received the Notice to Justice Court of Judgement Satisfied and submitted that document with my dispute to Equifax to request the status be corrected or updated. 
Equifax stated they electronically submitted a request for information from XXXX XXXX and received a reply on XX/XX/19 that the information listed on my report was accurate and still owed. 
I spoke with a XXXX XXXX XXXX in the collections department at XXXX XXXX who stated to me that the company does NOT answer disputes from credit reporting agencies and explained that disputing the balance would be the easiest way to have the item removed due to the fact that they dont answer disputes. 
I spoke with a supervisor @ Equifax by the name of XXXX @ XXXX ( CST ) on XX/XX/19 and she explained to me that even with court documentation confirming the judgement has been satisfied, that it will remain on my credit report with the balance still showing as owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was disputed at the time as inaccurate. Removed in XXXX of 2019. Loan # XXXX Lender being XXXX XXXX. Account is in fact accurate and correct. This was a mistake by myself. The consumer XXXX XXXX XXXX XXXX. XXXX is now continuing to report this information as current, Equifax continues to suppress and block this correct information.
Product: Vehicle loan or lease

Car was reposted and sold at auction XX/XX/2022 Westlake reported increase on loan payment to my credit report
Product: Credit reporting or other personal consumer reports

I have found inaccuracies that should be immediately investigated. There are inaccurate late payment markings that show on my credit report I am requesting to be updated to reflect my accurate payment history. I need these accounts to be corrected ASAP. Thank you. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Notice has been sent to by FCO ( Fair Collections & outsourcing ) saying charge of {$620.00} To " The XXXXXXXX XXXX XXXX XXXXXXXX XXXX '' I have made application to apartment but I have never moved-in or signed any lease for the apartment, The apartment complex has charged XXXX $ as move out or cancellation fee, After making application, i did not like the apartments, i never moved-in, I don't understand these charges on my account, I have called apartment company and collection agency and explained, that i did not authorize those charges, I don't understand those charges, Over the phone collection agency mentioned if i don't pay, they will report to credit agency, I have disputed on collection agency, today at XX/XX/2022, Collection agency mentioned that, they have to reported to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 hard inquiries which I dont recognize & hence needs to be removed immediately
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

"
Product: Mortgage

I have owned my home since XXXX and currently in a repayment plan through a bankruptcy with agreed amounts of mortgage payments to my lender each month. During my Bankruptcy Ocwen was my lender for several years and just recently was transferred to PHH mortgage services and I have always made the payments without missing any with statements coming to me reflecting the payments. Today the attorney representing me, XXXX XXXX advised me that PHH Mortgage has filed a default with the bankruptcy court claiming I am 19 months behind in payments and requested the stay lifted to protecting me from foreclosure or in lieu demanding a XXXX XXXX plus past due amount be cured all before a XX/XX/XXXX hearing in which I was never served for and had no awareness had not my attorney called me today alerting me of this. Unfortunately I had similar problem with Ocwen not  properly applying payments and when they did they placed payments in a suspense account and I believe this is where things went wrong.
Product: Credit reporting or other personal consumer reports

Affirm is knowingly reporting this inaccurate account after notifying them many times this year of this inaccurate reporting. They are damaging my credit score and causing me hardship due to me being denied for housing because of this error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account with XXXX XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX XXXX on my credit reports from XXXX, XXXX, and Equifax. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that this account is not mine. 

Details of the Dispute : Account Type : Revolving ( Credit Card ) Date Opened : XX/XX/XXXX Balance : {$84.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete ( 15 U.S.C. 1681i ). The FCRA requires credit reporting agencies to conduct a reasonable investigation into disputed information ( 15 U.S.C. 1681s-2 ). 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of false information related to a debt ( 15 U.S.C. 1692e ). Since this account does not belong to me, it is a violation of the FDCPA to report it on my credit file.

Furthermore, according to the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), I have the right to report instances of identity theft. If this account was opened fraudulently, it is essential that it is removed from my credit report. 

Requested Actions I kindly request that you investigate this matter thoroughly and provide documentation proving that this account belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FCRA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

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

I received an inquiry on XX/XX/2021 stating that there has been an inquiry for a mortgage. I just refinanced my home last month & don't recognize this inquiry for anything. I tried to call XXXX XXXX, XXXX  on Credco, nothing!!!
Product: Checking or savings account

Citi Bank locked my wife 's 4 accounts and my 1 account on ~ XX/XX/. 
On XX/XX/XXXX, my wife contacted Citi Bank and was transferred to several departments, ultimately Fraud, and worked with the representative to clear the fraud concerns. 
XXXX XXXX, Citi Bank and my wife all concluded to reinstate the accounts. My wife in short had to transfer XXXX to place on a new car XXXXdown payment ) as we awaited XXXX to send checks for totaled vehicle. 
Then my wife deposited the first XXXX of XXXX back into Citi Bank savings and the account was flagged. 
This was all discussed and cleared for reinstatement on XX/XX/. 
The ( Back Office ) for Citi Bank still closed the accounts, locking our " XXXX from us, not allowing us to have the funds for 30-60 days. 
Citi Bank also neglected to share with us the reasoning for the closing of accounts as they only said fraud. Stating you will get a letter in the mail. 
This does not help us as they have `90 % of our liquid savings and there is no reasoning for fraud as documented with several Citi Bank representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with rep XXXX and he did confirm that Transunion had received the letter I got from XXXX showing that there was not a XXXX XXXXXXXX Bankruptcy listed. I asked rep does Transunion verify bankruptcies through XXXX and he did confirm that they did. I was advised once they got letter showing proof that it would be updated and removed from credit report but has not. Transunion is now saying they verified the bankruptcy with XXXX that it was accurate which is incorrect information. I called XXXX and spoke with a representative that advised me that Transunion is not getting their information from XXXX. Under the Fair Credit Reporting Act Tranunion is reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

Name Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have kept all documents sent to the company along with certified mail receipts. I will use this in courts as proof.
Product: Student loan

I just received notice from Navient that my student Loan payment for almost the last 20 years was too high, and as such my amortization was off schedule and would payoff years ahead of schedule. Next month the payment will reduce by more than 1/3 from {$330.00} to {$210.00}. Obviously that reduction is welcome news, for which I am most grateful. My complaint is that for almost 20 years Navient has inappropriately and in breach of the payment terms ( not matching the amortization schedule ) been enriched by a payment which was greater than what it was entitled to, AND meanwhile I have carried higher interest balances which I would have happily used that money to reduce balances ( which I will now do ) had I been given the option. 

I ask that Navient return to me the time value of money at the rates that I have been paying for all of these years. I carried an XXXX balance above 20 % for a long time, I had a second mortgage which I refinanced more than once with a rate above 10 %, I have taken cash advances countless times at high fee. 

All of this to say, just reducing my monthly payment does not right the wrong that has existed for almost 20 years. That wrong should be righted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit_report. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  and there are also like four accounts on XXXX  that dont even have a name. The account numbers ore XXXX, XXXX and XXXX.
Product: Vehicle loan or lease

My auto loan was sold to a collection company, which the company is garnishing {$140.00} every two weeks from my pay check. The garnishment started back in XXXX XXXX. Also the original creditor which is, Credit Acceptance Corporation is reporting late payments to all 3 credit bureaus even though they sold my account to a to a collection company, and its hurting my credit score. According with the fair credit reporting act all 3 creditors has violated my rights under ( 15 USC 1681 section 604a section 2 ) .It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I had a low income & repairing my credit. I was looking for a used XXXX not to exceed XXXX sales price. 

I went to a dealership in Oklahoma, put cash down XXXX. At an interest of 21 % XXXX monthly payment for 72 months the loan. Ive purchased two vehicles at the price of XXXX before and done so successfully. Ive done extensive research into how to purchase a vehicle to best build my credit according to what my credit was, my plan was to refinance in a year. Ive fallen behind on payments due to XXXX I cant seam to get caught up. I set arrangements but continue to get harassed to repo my XXXX although there are notes regarding the plan to get caught up. Ive applied for small loans, payday loans and am denied, anything to get caught up so I dont loose my car as I am a single mom I need it to work. On top on that since XX/XX/2022 the car had not been running. Ive replaced alternators, batteries, grounding cables, etc. It is now misfiring and I can not put anymore money in it at the time so Ive been just paying XXXX to get back and forth to work and its extremely expensive. 

I was studying consumer law to see what I can do to help my credit and came across a lawsuit against the auto finance company I have my car through. The investors have sued this company and won. There is now a consumer call action lawsuit and the complaints worried me so I retried my initial agreement and After reviewing it saw there were about XXXX added other charges to the initial price I was not explained at purchasing. I also saw the finance charge is {$10000.00} with an finance amount of {$12000.00}. The total payments would cost XXXX and the total same price was now listed as {$24000.00}. Term is 72 months at XXXX. 

This vehicle year after doing research has extensive engine issues and XXXX is fighting against putting a recall on this year but are being brought to court due to the extensive issues resulting from the way the engine was built in this model. I say this because I cant afford to continue fixing a car that has hundreds of complaints of customers with the same issues that only worsen. Only to find that I cant refinance it, get a loan to get payments caught up, and am being charged {$24000.00} for a loan that the purchase information page of my agreement ( which is the only part my sales men explained ) reflects a total balance due of {$12000.00}. The interest is confusing. Im not sure what to do Ive never seen an issue like this to know how to look for it initially. I was hoping to build my credit but am now afraid of bankruptcy.