23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

American Express previously suspended my access to my BlueBird and Serve prepaid cards which was an automatic action their algorithm did.

They reactivated the cards following a CFPB complaint I just issued a week ago. 

However, they left the Add Money Via Debit/Credit Card feature disabled. 

When I was trying to get the accounts reactivated as a whole one of the reps sent me an email that would allow me to activate the debit card add feature by verifying my ownership of the card I was adding by sending a scan of both that debit card, and my drivers license.

The only issue was at the time my account logins were still deactivated due to the algorithm but that caused this all and I could not login with the link the rep sent as it required me to have a working Serve login.

So, I am requesting that American Express *FULLY* reactivate my Serve and Bluebird accounts ( as I requested in the previous CFPB complaint ) by reinstating the debit/credit card add money feature. 

I will attach a copy of the email the representative sent to my offering to fix this problem. 

All of your phone reps act as if they are totally unaware of this process and are advising me I am permanently banned from the service. ( the reason for that is never given and I have no earthly clue why that would be ). 

Serve card number : XXXX Bluebird card number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint on three credit bureaus reporting wrong information on my credit report. The companies responded that some information is accurate and took no actions on my credit report. I asked for a full investigation AND proof that the companies that are reporting negative items on my credit report by providing contracts signed by me with the companies that are reporting on my credit report. There was no proof provided, therefore I request that all the companies that are reporting negative items on my credit report that are in my original complaint be removed from my credit report. 

Companies Designed Receivable solution 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau. 
Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of XXXX my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 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. 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. Sincerely
Product: Debt collection

I have disputed this medical debt twice already w/ the previous collection agency ( XXXX XXXX XXXX  ) & they finally seized action w/ their illegal aggressive tactics just to sell the debt to their partners in crime. Again, this medical debt is fraud. 

( NOW ) PFS LLC & their buddies have all threatened me w/ destroying my credit I worked everyday to uplift, maintain & grow. They keep harassing me STILL calling me derogatory names & insist I pay them or theyll take countless of actions on me so I that I wont have no other choice but to pay. 

I dont understand how collections of this nature are still around. They make a living off fraudulently buying debts from low class corporations & illegally harassing us consumers into feeling helpless enough to pay them. 

To provide further information on the debt : My XXXX insurance that I was covered for & provided XXXX XXXX  ( XXXX XXXX ) has no knowledge or record from this hospital visit. 
XXXX XXXX ( XXXX XXXX, MI ) simply didnt send ANY medical bill/documentation to my insurance provider! 

I gave ( XXXX XXXX XXXX XXXX XXXX my XXXX insurance phone number that Im covered under w/ co-pay & the deductible during my visit.

If you look on the itemized bill that the previous collection agency ( XXXX XXXX XXXX ) provided on my previous claim through you ladies & gentlemen ( CFPB ) ; It is not my cell phone number. 

It is the phone number ( mothers ) that I had & STILL have with my XXXX medical Insurance that I GAVE them during my visit. I gave them my insurance ID number & everything. 

BUT they FRAUDULENTLY billed it under a tricare insurance I DID NOT provide them to collect profits from me. Ive never in my life had any medical insurance issues ever. Been serviced great by XXXX Insurance my entire life. Multiple visits throughout my life and EVEN in 2020 I had my XXXX insurance & cover me w/ no issues once so ever. 

Biggest regret of life is being transported to XXXX XXXX ( XXXX XXXX ) for medical attentioncomplete fraudsters. Now I have these collection agencies preying on me for the last 3 years. Enough is enough man.
Product: Checking or savings account

This is the continuing response- I should not be charged overdraft fees, US Bank says, due to these being " automatic withdrawals '' they must do so. See Below- Hi again XXXX XXXX I'm sorry we aren't able to refund additional fees unless they're from a bank error. 

As I mentioned before, to avoid overdraft fees, the balance must be brought positive the same day it falls negative. I found the account was negative from XX/XX/2022 until a direct deposit came in on XX/XX/2022. 

If you aren't wanting to open a Safe Debit account, I'd recommend setting up one of your other accounts as overdraft protection. In the future, if there were a time where a payment were to come out of your main checking and there was not sufficient funds, if you are wanting to link your other accounts as Overdraft Protection, we can automatically transfer the money to your checking account to cover the balance and make sure no fee is charged. 

If you are wanting to link your other accounts as overdraft protection pleas follow these steps once signed in. 
* Select your checking account and choose " Overdraft Options '' from the menu on the left * Select " Overdraft Protection '' * From the drop down, select your checking account and set up your overdraft protection as desired and submit Respectfully, XXXX XXXX

U.S. Bank Email Operations Department
Product: Mortgage

My mother, XXXX XXXX XXXX, and I, XXXX XXXX were forced into foreclosure in XXXX XXXX on XXXX XXXX XXXX XXXX XXXX MD XXXX. The house is very old, but my XXXX, XXXX XXXX, who has a XXXX lived in the home until XX/XX/XXXX. My mother, XXXX, is his Authorized Representative. The house is very old, but we had to move him into Senior Housing facility because the house was becoming inhabitable and he is not able to fix the house on his own. 

We called in XXXX XXXX to submit missing payments and Wells Fargo would not accept. After starting the foreclosure process, we sought and obtained free legal help from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX. We consulted with our assigned attorney regularly and submitted all required paperwork to Wells Fargo. We also informed that we needed the home for our XXXX, XXXX XXXX, who is XXXX, given that we take care of all of his needs and requested that Wells Fargo present us with options to get out of the foreclosure process. 

While all of this is happening, their lawyers harassed us with paperwork and notices of foreclosure sales and property deed changes. We have 3 binders of Wells Fargo foreclosure paperwork to provide CFPB with supporting evidence. 

After many consultations we submitted the appropriate paperwork to receive a MEDIATION. As lawyers continued to send threatening paperwork that we weren't eligible for mediation, we notified all parties that we submitted the correct paperwork. We finally got ahold of XXXX XXXX and were informed that an employee lost the paperwork, found it on the phone, and sent it to the Wells Fargo and their lawyers. At the time our loan specialist was XXXX XXXX - XXXX and XXXX XXXX XXXX. 

They finally received the mediation paperwork ( we have record of submitting it ) they gave us a date of XX/XX/XXXX. It was a remote mediation with our attorney. This mediation is RECORDED. Please find a way to review it for confirmation of statements. Wells Fargo reviewed our financial profiles and stated that because we had decent credit scores and income we could move forward with getting the house out of foreclosure. We then ended the call, said great and moved forward. 

Months later Wells Fargo said that XXXX and I could not buy the house, did not accept our offer, and ignored every email from their further. We were then forced to foreclose on the home and accepted a buyer that redacted the sale on XX/XX/XXXX. 

We need help and we have supporting evidence ( mailed letters, receipts, taxes, bills, administration hearings, title changes, etc ). Please help us if you can. 

Mortgage Loan # XXXX
Product: Debt collection

Greetings. A representative by the name of XXXX continues to call me from BMW Financial Services which is XXXX XXXXXXXX. He continually harasses me! I've asked him to stop. He called again today and I said to him " Please stop calling me! I don't owe you people anything! I've asked you to stop calling and it is illegal for you to keep calling me. I will be contacting the Consumer Finance Bureau to file a complaint ''. He stated " I'm going to keep until the dead is collected and I don't care anything about the Consumer Finance Bureau ''. I advised him that I will be filing a formal complaint and he said " I'm still going to continue to call ''. His name is XXXX and he has called me 23 times so far to date in each call is getting more and more aggressive and in a threatening tone. 
This amount they're stating I owe is from an end of lease vehicle, in which all balances were paid, and I purchased another lease on the SAME DAY I turned in this lease, as there was NO BALANCE OWED or due. I have documentation stating XXXX BALANCE. They have stated that they sent me the wrong letter which is the PDF form stating there is a XXXX BALANCE on the account. Additionally, this account was charged off XXXX of 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a compliant against Credit Bureau Transunion, on XX/XX/XXXX I  disputed a Fraudulent account on XXXX/ XXXX my credit report ... thru Transunion & XXXX , Transunion sent results back as verified and belonging to me, however XXXX deleted the account. I also sent a debt validation letter to XXXX/ XXXX and receive a letter stating they will be no longer collect on this account, Transunion has not as of XX/XX/XXXX removed/deleted this from my credit report. XXXX/XXXX account # XXXX ...
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to XXXX XXXXXXXX XXXX that has been ignored.
Product: Debt collection

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 Advanced collection account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00}
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am still unable to open a bank account anywhere or receive my {>= $1,000,000} transfer due to payments not being applied and damaged and continuing to do damage to my report despite -UCC 3-603 and Bank has ignored payments and I have certified proof that deposit have been made and debt has been settled many times over so ongoing issue not a duplicate but still violating 15 USC 1662b and 15 USC 1666 How many times have I said no late payment are allowed to be reported on any report ever! How about public law 73-10 Ucc 3-603 . Correct wrong information intentionally being reported willingly as collections dept is aware of and have revised payment but they havent posted payment keeping me from going anywhere else so only thing I care about is Credit report and the inaccurate information. NO LATE PAYMENT ARE PERMITTED ON CREDIT REPORT AND IF NOT FIXED ACROSS ALL DATA FURNISHING AND ALL AGENCY KNOW. OR UK NOWN AS I HAVE ASKED MANY TIMES BUT INJURY AND INACCURACY HAS NOT BEEN PROPERLY ADDRESSED. What starts where taken to make sure all information is corrected because you failed to in force and permit injury on ongoing basis yet still late payment not corrected payment not being applied showing intent and agency does whatever they want. See usps certified mail to prove payment made two times and no credit given does UCC 3-603 not apply to me or public law 73-10
Product: Credit reporting or other personal consumer reports

I notice unauthorized hard inquiries on my credit report that I would like removed. According to the FCRA SECTION XXXX that unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey My Name Is XXXX XXXX XXXX I have sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. I also have attached my credit report According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. Also They stated my account was verified but how is that possible if they did not do proper investigation according to the law. Also every piece of information on this account is not reporting 100 % Accurate. According to FRCA 15 USC 1681 Everything has to be 100 % accurate. I Have the credit report attached showing the inaccuracies. I marked red X by everything thats wrong also its reporting this account below Account- XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2017, an unknown hard inquiry pull was made on my credit report. To my knowledge I did not authorize this pull to be made. In requesting I 'm asking to see valid validation of my approval consent and signature stating I authoriz this hard inquiry.
Product: Credit card

I paid for a gym membership in XX/XX/2016 with Citibank CC. 
Payment was received by merchant and access granted to me. 
During XX/XX/XXXX access to facility was denied for no known reason. 
I filed a dispute and money was returned to me. I also contacted the merchant who said access was denied in error. We agreed to make a new contract in XXXX 2016. 
During XXXX 2016 Citicards REVERSED the item and recharged me. I have emailed and called numerous times to get it removed permanently but to no resolution!
Product: Debt or credit management

All of the Credit agencies system was hacked and my information was breached due to 15 USC 1681 Im filing a complaint because my credit has been effected by this.
Product: Debt collection

claiming that they a company called American Credit Resolutions and that they are going to arrest me if i do n't pay. 
I made the mistake of giving them my information. 
The original creditor : XXXX gave them {$200.00} i do n't think there legitXXXX XXXX XXXXAmerican Credit ResolutionsXXXX XXXX, Georgia XXXX is the new number
Product: Debt collection

I was advised on Thursday XX/XX/2019 via my XXXX XXXX alert that NRA Group XXXX PA had reported and opened a Collections Account in XXXX and XXXX  for a delinquent Medical bill owed to ( XXXX ) XXXX XXXX Hospital for the amount of {$230.00}. Actual amount was for {$220.00} which had been paid in full on XXXX XXXX. 

IN FACT THERE WAS NO ( XXXX ) XXXX DOLLARS owed or pending when XXXX XXXX reported this the Credit Reporting Agencys IN XX/XX/2019. 

This has caused a negative impact on my otherwise ( VERY GOOD ) Credit Rating for years of 100 % on time Payment Reporting to XXXX, and XXXX. 

There was no formal prior USPS letter, verbal communication, or contact whatsoever, or any attempt made by the NRA GROUP to me to advise me of their attempts to collect what turn out to be a paid off invoice or they would have been provided the documentation showing the {$220.00} had been paid to XXXX ( XXXX XXXX on XX/XX/2019.
Product: Checking or savings account

Okay here 's my complaint my original Wells Fargo account check it and service was open last year at that time you guys charge me fees non-sufficient fun fees and etc and I had not bought anything or use the account and then the money I did deposit that disappeared and then account ended up being close and when I tried to deposit more money that's how I became the knowledge that the account will close so I said well I'm open this account back up and I sent documents and everything proven who I was several times and you still denied me but you gave me no reason for your denial you gave me no reason why you close my account
Product: Debt collection

FINAL NOTICE This Letter Serves as my formal demand for the immediate DELETION of Inaccurate and Unverified information REPORTED on my credit consumer reports. Despite the REPEATED DISPUTES, you have Fail to Perform a Proper Validation Of this account as REQUIRED by the FCRA your continued Failure constitutes Willful Non Compliance, FRAUDULENT Misrepresentation and a violation of my rights under Federal law.

Reporting Inaccurate Information 623 ( a ) ( l ) Failure to Delete Inaccuracies 611 ( a ) ( 5 ) Willful Non Compliance 616 Fraudulent Misrepresentation 623 ( a ) ( l ) ( B ) Failure to Provide VERIFICATION 609 ( a ) ( l ) See Attached document Of Non Compliance to do business In the State of Georgia
Product: Debt collection

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels Im not following all the steps. I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Experian for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. Identitytheft.gov is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally am losing my mind because I have no other recourse XXXX XXXX XXXX XXXX XXXX XXXX XXXX