23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been a Platinum Amex customer for 27 years and always felt that Amex protected me as a consumer. But now I know my belief was wrong. 

American Express and the dispute center in XXXX generally illustrate that customer service is in decline. There is difficulty communicating with the sections operating out of XXXX. This division of AMEX has decided the dispute in the merchants favor despite the independent documentation I have sent them. The other issue is that they keep changing the reasons for their dispute resolutions. 


The first was that I never canceled the service and product with the merchant ( we provided the written notice twice ) The second was they thought I canceled the dispute. ( this was because the representative in XXXX believed that the XXXX XXXX letter was from American Express. ) We paid half of the amount due on a XXXX XXXX card, sent them the same independent information, and they closed the dispute in our favor immediately ) Later, the third reason was that we would not allow the merchant to complete the installation and that the merchant did not promise to install custom-measured doors. ( We have provided proof of that as well. ) Lastly, I was told that the merchant was also an American Express customer and that they wanted to be fair. Since 1997, I have always expected a level of protection from purchases made using my card. This dispute should have been decided in our favor. 

The XX/XX/XXXX Amex letter and response are ambiguous and do not represent my interests as a consumer. As they stated in their letter, I have been an Amex customer since 1997 and have always paid the full monthly balance on my card statements. The AMEX response to my complaint is buried in over 191 pages of redundant documentation of payments and statements. 

AMEX has severe customer service and dispute communication issues. They have farmed out their support staff to XXXX and other countries to save money. 

AMEX admitted to such communication issues on XX/XX/XXXX. 

Our American Express Executive office received a complaint. We listened to the available call recordings referenced in your correspondence and found that we did not handle the call on XXXX XXXX, professionally and we also found that on XXXX XXXX we did not process a call back request correctly. We apologize for your experience. We made sure to provide feedback to the appropriate leaders. 

Notification to their leaders does not justify their poor decision on my dispute. {$15000.00} is a lot of money to be charged for a product and service that was not received. The result is extreme difficulty in communication on any service the card might offer. Consumers need to know if an American Express card is used ; they can expect shoddy, unintelligent customer service. American Express no longer lives up to its motto to " Don't Leave Home Without It. Instead, a new logo, XXXX XXXX XXXX for let the buyer beware. If you purchase a good or service using their card, no matter what the evidence is, you are on your own.
Product: Debt collection

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

MONEYGRAM REFUSES TO ACKNOWLEDGE OUR CLAIMS THAT WE WERE VICTIMS OF A FRAUDSTERS TRIO WHERE IMPOSTERS POST ADS ON XXXX AND BAITS AND HOOKS VUCTIMS ARE THEN SENT TO XXXX   MONEY SERVICES AND DIRECT TO AGENT TO WIRE TRANSTER MONIES TO SCMMERS. 

XXXX XXXX XXXX XXXX VICTIM OF SAID TRIO XXXX XXXX XXXX XXXX VICTIM OF SAID TRIO.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Previous Address ( es ) : 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

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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

I am writing to request an update to my personal information on my credit report.
Product: Debt collection

XXXX Credit reporting Agencie is reporting false and inaccurate information on my credit report I have reached out to them about this matter this medical debt collection that is appearing on my credit is inaccurate reporting. Wakefield and Associates in the amount XXXX. I Have reached out to this Agency many times with 3 and 4 disputes that are not been properly Investigated the dispute is coming back as updated and accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have uploading documents on line on the website and unsuccessful also website is giving a Stange Error the account that is being reported on my account is a Violation of HIPPA and a complaint Has also been Filed and also a complaint has been filed with the Attorney General in that matter I think this Reporting Agency has some fraudulent activity going on that needs to be investigated by Higher authorities because they are dealing with a large amount of accounts and data to be this negligent with accounts. If this Account is not removed from my consumer report within 30 days a Law suite will be filed against the two parties Wakefield and Associates and XXXX
Product: Debt collection

The account has been on my credit report for close to 9 years now. I do understand by law that this account can only stay on my credit report for 7 years only please remove from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a lady by the name if XXXX who helped with a relative credit report and person after i was directed to the fraud deprtment and placed on hold for several minutes, I then stated my name was incorrect and that i have submitted 3 times my current legal name and it has yet to be changed. I was then told very rudly to allow up to 14 days and had i checked recently to see if it had been updated. and i stated ive been married since XXXX and i am looking at this moment on Experian website and in fact it has not been updated. The woman again got rude and proceeded to then ask did i want a current copy of my credit report dated XX/XX/XXXX mailed to me, so that i may see what name is listed. i said yes and in fact i stated ive been trying since XXXX to get my name changed and either the system is down, you send me disputed reports without changing the information and today im told the current report shows the name i gave her over the phone, yet, i am looking at the experian website and it shows different. I then asked to speak to a supervisor because what is on their website o line when ilog in is not what she is stating to me via the phone ... At that time, she hung up on me and you have to call 5 different numbers to even get a live person and then to tell me im wrong and hang up.
Product: Credit reporting or other personal consumer reports

To provide some context about my complaint and dispute, during the years 2006 to the present, I have been seeking assistance to resolve this matter accordingly due to the following ; XXXX. Misrepresentation by School Advisors : During my time at XXXX  XXXX XXXX, XXXX received guidance from the school 's financial aid office that was misleading and inaccurate about receiving the Federal Student Assistance XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that certain steps or actions related to my loan repayment and forgiveness programs were either not necessary or would be handled on my behalf. Based on this advice, I proceeded without fully understanding the long-term consequences or required actions to stay compliant with repayment and forgiveness guidelines. 
XXXX. Errors by XXXX XXXX XXXX : I experienced repeated errors from my previous loan service provider XXXX. These errors included incorrect reporting of my repayment status, failure to provide accurate loan documentation, garnishing my wages, and a lack of communication regarding changes to my loan status. These actions contributed to my inability to manage my loan effectively and caused significant confusion regarding repayment obligations. 
XXXX. Lack of Proof and Documentation : I have requested specific documentation on numerous occasions, including details about the loans terms, repayment status, and eligibility for loan forgiveness, but have received either insufficient or no documentation at all. The lack of clarity and missing paperwork has left me without the necessary resources to properly track and manage my loan repayment. 
Given these circumstances, I believe I qualify for a loan discharge under the grounds of borrower defense to repayment. I have no diploma access and no transcript access due to the closure of the school. The combination of misleading advice, loan servicing errors, and inadequate documentation has caused undue hardship and left me unable to manage my loan properly. In addition, I do ask that you have the disputed account and remarks removed from my credit report profile.
Product: Debt collection

Prior to me looking on XXXX XXXX XXXX XXXX to look up something under records search on XX/XX/XXXX that was my first time having acknowledge on my own of seeing the lawsuit file against me by Suncoast Credit Union that was file on XX/XX/XXXX. 
1 ) Failure to identify debt through contact mail, phone, for missing documentation/information in regard to personal information loan paperwork & I havent been served the summons & court is in several days I believe some time next week or several days after & I dont have no funds to hire a low income lawyer to represent me because I have never been sue by an auto debt lawyer & collection agency & the Suncoast Credit Union & also I want to know did Suncoast Credit Union fully paid off XXXX XXXX XXXX of the vehicle I traded in XXXX XXXX XXXX XXXX for XXXX XXXX XXXX where the seller of XXXX of XXXX XXXX XXXX my income where I wasnt aware until afterwards & now Im being sued unknowingly thru them certified
Product: Debt collection

Hard inquiries were made, Ive included the attachment. 

Ace Cash, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX , TX XXXX XXXX XX/XX/XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry on my  XXXX  credit report from Clarity Service on on  XXXX / XXXX /2016 that was unauthorized. I contacted the company yesterday and they provided me no relief as to their permissible purpose for retrieving my report and causing my credit scores to drop.
Product: Payday loan, title loan, or personal loan

I paid the late fee and regular payment for XXXX XXXX on XXXX XXXX, XXXX. I paid the entire amount outstanding for the month. The company reported me as being late because of their mistake of miscalculating the amount owed by {$0.00}. Yes, I wrote XXXX cents. This was not even my error, and over XXXX cents, they reported my payment more than 30 days late when it was n't.
Product: Debt collection

I received a notice from Transworld Systems Inc on XXXX stating that I owed a collection debt from the XXXX XXXX XXXX. I knew nothing about this outstanding violation so I verbally disputed it on XXXXI asked TSI for proof of the debt, I have had an active XXXX XXXX account for many years so I should not have received any toll violations. I did not get a response. As a side bar, I moved on XX/XX/XXXX and all of my mail was not forwarded until XX/XX/XXXX. ( I have proof ... the actual XXXX envelopes with the forwarded date ) In this forwarded mail I received the toll violation notices from the XXXX. I then tried to dispute these fees with the XXXX in XXXX but at this point they were in collection so I was told to contact TSI again. I reached out to TSI on XXXX and spoke to XXXX XXXX. She said that there was no new information regarding my dispute from 4 months ago. This is unacceptable. I paid the actual toll amount to her on the phone of {$8.00}. This collection company can not validate this debt. They are threatening to infere in the renewal of my car 's registration. I asked to speak with her supervisor and was forwarded to a voice mail for XXXX. I should not be required to pay a {$100.00} fee to this collection agency for 3 reasons - I disputed this fee immediately upon receipt of their notice and it's 4 months later and the have not responsed -I had and have an active XXXX XXXX account -I did not receive the XXXX notices in a timely matter due to my move and my mail not being forwarded by the USPS Please assist me in this matter.
Product: Credit card

My account with Aspire credit was opened through a purchase of a XXXXXXXX XXXX. I paid the balance in full about XXXX mths after I opened the account. I requested the account be closed when I paid it off. That was over XXXX years ago. At that time, I have been charged service fees multiple times, called over 6 times telling me I want the account closed & that it carries no balance except the service fees for an account that is closed. I am tired of being charged for something Im not using. They seem incapable of closing the account. I had autopay originally set up and they keep charging my account for these service feees.
Product: Mortgage

Realtime Resolutions is reporting a Duplicate Loan From XXXX XXXX XXXX. I have contacted and filed a complaint against XXXX XXXX XXXX for the same loan. My records indicate that my last payment was over 7 years however they are still reporting this account.
Product: Debt collection

I continue to be contacted about an 11 year old Wells Fargo debt that was settled six years ago in collections. 

I've had at least three new collections agencies call me and threaten legal action in the last year. They say they have mailed me a summons, they say someone has come to my house with a summons and I ignored them. They say I will be taken to court and my wages garnished. Now a new one is calling. They call and disturb my mother 's house. The new # is XXXX They start yelling on the phone and talking over you when you try to explain that it's taken care of. They tell you it's too late. You tell them to take your number off their list, they continue to call and bother my mother. They are even calling my sister who has an old phone # I haven't used in almost 10 years. 

It seems there is no way to stop this never ending cycle and it's all Wells Fargo 's fault, since they were hacked it's all started happening.
Product: Mortgage

I received two different escrow statements. The first one stating that they paid my property taxes in XXXX. Then I decided to close my escrow account because I am able to do that. Then they sent me a final statement in XXXX with the property tax payment removed. Then I received my tax bill stating it has been paid by my bank/mortgage company . I double checked with my mortgage company and they stated they hadn't paid it. I asked why and they couldn't give me a reason why. I was on the phone with them for over an hour. They either falsified documents or don't know what they are doing.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I noticed a material decrease in my credit score ( XXXX to XXXX ) for no apparent reason ( i.e., no missed payments, no applications for credit ). Upon interrogation of my credit report provided by Experian, I saw a notation on my XXXX credit card stating that the account was in dispute. I then called XXXX who confirmed this was not the case, but rather, my account was open and in good standing. I then called Experian and lodged a dispute asking to have this corrected. I was notified the dispute was resolved later that day, however, that was not the case. My credit report with Experian now notes that the account was closed at the consumer 's request- this is not correct. 

On XX/XX/2021, I called Experian and explained the issue. The representative stated that the new information ( i.e., that my account was closed ) was provided by XXXX to Experian and in no way could be an Experian issue - I respectfully disagree. The representative could not confirm at what time XXXX allegedly provided such information. At that time, I lodged a further dispute in respect of the matter. I interrogated the matter with XXXX shortly thereafter who confirmed again that my account was open and in good standing. 

Given the financial industry 's reliance on consumer credit scores, I have been placed in a materially worse position through no fault of my own. Accordingly, I am seeking that this situation be remedied such that my account status is correctly shown and my credit score be accurately reflected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : 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  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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.