23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX, I booked a hotel through American Express Travel, charged as `` AMEX XX/XX/XXXX '' for {$330.00}. I did approve that charge. Then, on XXXX, the same exact charge for {$330.00} for the same hotel ( billed as " AMEX XXXXXX/XX/XXXX ). I did not approve that charge and it seems to be a duplicate charge. I noticed this issue in XXXX and called American Express to sort out the issue. American Express referred me to American Express Travel. In each case, I have been shuffled around to various agents and supervisors, none of them sure why the charge has been duplicated. 

Because it is through American Express Travel, American Express classifies it as an internal charge. I can not dispute an internal charge with American Express. Hence the discussion with 20-30 agents, each directing me somewhere else. I have called four or five times in the past 6 months, often on the phone for hours. In a few cases, Ive been told that I would be personally called about the issue, and then hear nothing. One Global Complaint was created a few months ago, XXXX. In chatting with them later, Amex/Amex Travel has no record of the complaint. Today XXXX, a new complaint, XXXX was created! Amex says I have to talk to Amex Travel, and Amex Travel says I have to talk to Amex. Im not sure who to contact since I cant officially dispute the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX & XXXX Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX & XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX {$5500.00} XXXXXXXX XXXX XX/XX/XXXX According to F

CRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Fair Solution
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts on my credit report this morning, and I can't figure out why. I checked my credit report as usual, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the inaccurate accounts remained. I'm deeply concerned and request a thorough review of the documents I've sent so that I can stop worrying about this happening again.
Product: Bank account or service

My bank is Capital One in XXXX XXXX, LA. I payed a merchant with my debit card. They ran it through as a credit card, but accidentally rang up the wrong amount. They immediately realized this, voided the charge, and ran up the correct amount. This was on XXXX XXXX. It is now XXXX XXXX and the original incorrect charge still shows in my account as pending. Because of this, that money is locked up. I have called the merchant and they say their system show the charge as voided. I called the bank, and they originally told me it would take XXXX to 3 business days. When it did not clear by then, I called again and they told me XXXX to 5 business days. They have nearly {$500.00} of my money locked up. I would like access to it.
Product: Mortgage

We fell behind on our loan. We worked the Wells Fargo and got a modification. Was good and fell behind again. This time they would not do a modification. After months of back and forth they let us do a short sell. We had a offer and they took too long to approve it and said it was too low. They came back with a number that was too high no one would look at the house and they would not lower it enough to get any offers. So we ask to do a Deed in Lieu which has been taking 6 or 7 months to do. We were told what we had to do and we have done it and they are telling us that there is a lien on the house from when it was refinanced year ago and the paper work was not taken care of correctly and that it could take months or years to straighten out. The whole time this has been going we have been different story 's and they do not responded in a timely manner. Wells fargo does not know what they are doing with in thier own office. This department does not know what that one is doing and they all say something different.
Product: Mortgage

I have been trying to get out of my mortgage modification trial. For over a year and a half through first colony mortgage. I have done it three times with them all because of technicalities that I had to redo it. I finally completed it in XX/XX/year>. I had even talked to their underwriter about it being complete and they were finalizing the paper work to resume payments. In the month of XX/XX/year>, they transferred my loan to a different servicer, PHH, and when I talked to them about resuming my mortgage payments they said that my loan was in default. I had explained to them that I had finished my Mortgage modification and that I should be able to resume my normal mortgage payments, PHH said they didnt have any paperwork on thatband didnt see anything from XXXX XXXX XXXX regarding my mortgage modification. They did say they could see in their paperwork that I completed the payments through the trial modification but they did not receive any final paperwork from XXXX XXXX XXXX  about it being completed. 

So PHH said I need to either pay the default, balance and full or restart the trial modification application again. I have tried to contact PHH multiple times and only get a voicemail. I have only been able to talk to on the phone one time and did not get nearly the information that I needed. This has been a nightmare and all I have been trying to do is resume my mortgage payments for the last year and a half and, these services are coming up with every roadblock they can think of and not helping me whatsoever. I have not received any paper work or anything from PHH on this matter. I have also requested a way to make payments on my mortgage in the mean time so things don't fall behind further and I was told I am locked out of the system from making any payments towards my loan. 

This has been a nightmare of a situation.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX I made a cash app mobile check deposit from my employer for XXXX It was accepted that same day and promised available next business day. 

Then, when it didnt show up I called the check writer, the money left their account Tuesday. 

It is XX/XX/ the check still shows accepted but cash app hangs the phone up on me when I ask for when the funds will be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request for removal of items that are on my credit report that do not belong to me. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted with regard to the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/2020, I was contacted by Amsher collections regarding my XXXX account. I was offered a settlement or a payment plan option. I was told given my timely response with them, setting up a payment plan would prevent this debt from being added to my credit report. So, I set up the payment plan. Two payments of {$67.00} each processed through my bank on the dates I arranged. Suddenly, on XX/XX/20 I get a notification that this account was added to my credit report and did not include the original balance nor did it show the payments I already made on the account. Additionally, this was not what I was told would happen with my account. When I called Amsher about this, I was told something completely different. I also NEVER verified for the auto pay payment plan I set up to be canceled, but considering I called and complained about their practices they withdrew my payment plan anyway WITHOUT my verification.
Product: Bank account or service

XXXX had started a life insurance policy. The account XXXX short. the bank decided to charge overdraft charges and then hit the account with maintenance fee and another overdraft fee. I was told by XXXX, because she receive XXXX the bank should never have charged her the second fee. XXXX never asked for overdraft because she just had problems with XXXX XXXX XXXX. I know that the bank took it upon themselves to do this and why dint they take the money out of saving account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX IN XXXX of XXXX. I paid off this account for deletion off my credit report and was promised i would recieve a letter stating the account was paid and to be removed from my report however, today is XX/XX/XXXX and the accounts have remained on my report.
Product: Debt collection

I currently have a {$510.00} debt being collected from a company name Portfolio Recovery located in XXXX, VA. I sent a certified letter to Portfolio Recovery on XX/XX/2020 to validate the debt within 30 days in which they failed to do so as well as another on XX/XX/2020. I then sent another certified letter on XX/XX/2020 advising they failed to validate this debt of {$510.00}. 

I called the Portfolio Recovery on XX/XX/2020 around XXXX at XXXX in regards to the validation of debt and I spoke with XXXX XXXX and she stated they did received my letters however due to the 2nd letter sent on XX/XX/2020 she was unable to provide any debt validation. I asked her why are they still collecting on a debt that was not properly validated within the 30 days of the XX/XX/2020 and XX/XX/2020 she could not give me a direct answer. She stated I had to email her manager or supervisor XXXX XXXX. 

The FCRA requires Portfolio Recovery or any other debt collector to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Product: Mortgage

I requested a payoff on this loan. The payoff received shows a negative escrow balance, however this loan has escrow only to cover a fix-cost PMI insurance premium that has not changed in the life of the loan. The negative escrow balance is due to the bank deducting the PMI premium twice in 2023 as is shown in the loan activity. I have been trying for over 3 weeks to get this loan paid off, while still drawing more interest due to the lack of response from the bank to get this issue resolved. I have called twice and sent at least 3 messages and requests through their online dashboard. I need the escrow fixed immediately so I can get this loan paid off and not incur any additional interest charges since I wanted to pay this loan off nearly a month ago.
Product: Mortgage

Bank of America mortgage department sold my loan to a servicer call XXXX without notify me or acknowledge me. Since BOA took over my loan from countrywide, they discontinued my online bill pay services. Unless I open a BOA saving account otherwise they wo n't let me use online billing services. After awhile they sold my loan to XXXX.
Product: Debt collection

All I have is a phone number. The person stated their name was XXXX. They called from XXXX. But they didn't call me, they called my brother in California. I live in Texas. I've never used him or his phone number as a reference so they illegally obtained it. They stated I need to contact them or have my lawyer contact them to figure out how to proceed with the legal matters. They would not share information about the debt they were trying to collect.
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 USC 1681. 

I told Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. Also I filed identity theft and furnished a police report with my letters to each agency. XXXX is the ONLY bureau that is updated and correct and does NOT have any of these accounts listed above. How can one bureau hold the correct information but the other two have complete misinformation.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I have attached my updated XXXX and previous letters to Experian XXXX XXXX
Product: Debt collection

It 's been past 7 years and they are saying that I owe an old apartment debt. It is false and past time to remove it from my credit
Product: Debt collection

I purchased a water softener to be installed. When they installed the water softener they cut into the main entry water line of my home creating water damage and water pressure issues in the home.

I had to spend 3X the amount of the water softener to correct these issues with a third party company and repair the damage to my home.

The company who sold me the water softener refuses to reimburse me for the expenses and sent the erroneous debt to collections.

I have also notified the collection company with photos, documentation, and invoices via certified mail over five months ago and they claim they have not received anything despite it showing as delivered. 

I want the debt removed immediately or reimbursed for the damage.
Product: Payday loan, title loan, or personal loan

I have received emails from a company called XXXX XXXX XXXX   and XXXX XXXX regarding my approval for payday loans that I did not apply for. I've also received text messages that I've stated to stop as well. I also have XXXX XXXX to help monitor the situation. 

Email Addresses : XXXX, XXXX XXXX
Product: Credit card or prepaid card

Hello, I filed a complaint about this on XX/XX/2020 COMPLAINT ID XXXX This issue has not been resolved. On XX/XX/XXXX I purchased a fridge from Lowes. I opened a credit card on that same day and paid {$700.00} dollars on the credit card at the Lowes store in XXXX, New York. I was paying down the fright monthly until I decided to cancel the purchase of the fridge. The total amount I paid towards the fridge was {$1500.00}. I put in a request to have the money that I paid down returned to me but Lowes only sent me a check of {$770.00}. That is not the full amount of what I am owed. I have called Lowes customer service repeatedly and have not gotten a response. I also called Synchrony Banks customer service. I went into the store and spoke with to the Operations Manager for Lowes in XXXX, New York. Her name is XXXX XXXX. XXXX promised me that the situation would be resolved in week. I attached the chain of emails showing we were in contact and she stopped responding to me. I was then put in contact with Miss XXXX. He said she would get back to me and has not updated me about the issues to this date. The last time we spoke was on XXXX/XXXX/2020. I have called several times and have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to my Previous complain file XX/XX/2022. Its been More than 30 days since i filed a complaint disputing the following accounts XXXX XXXX XXXX account number : XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX XXXX XXXX  account number : XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX account number : XXXX XXXX account number : XXXX According to Fair credit Reporting Act 15 U.S. Code 1681i section ( 1 ) ( A ) states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

further more i wasn't notified within 5 business days that my dispute was being investigated. According to Fair credit Reporting Act 15 U.S. Code 1681i section ( 2 ) ( A ) states thatThe consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I now Demand for the above accounts to be removed from my credit report as fast as possible
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Your Phone Number ] [ Your Email ] XX/XX/XXXX GM Financial XXXX XXXX XXXX XXXX XXXX XXXX  RE : Account Number : XXXX To Whom It May Concern : I am writing regarding the above-referenced account that has been written off as a bad debt. According to my XXXX credit report dated XX/XX/XXXX, this account is listed as " Charged off as bad debt '' with a balance of {$15000.00}. The report indicates the account was closed and the balance was updated on XX/XX/XXXX, with the comment " Transferred to recovery, '' signifying that your institution has discharged this debt and deemed it uncol

lectible. Under Internal Revenue Service ( IRS ) regulations, specifically 26 CFR 1.6050P-1, financial institutions are required to issue Form 1099-C, " Cancellation of Debt, '' when a debt of {$600.00} or more is canceled or forgiven. This form must be provided to both the debtor and the IRS by XX/XX/XXXX of the year following the calendar year in which the debt was discharged.

To date, I have not received a Form 1099-C for this discharged debt. Since this information is necessary for me to properly prepare my tax returns and comply with IRS requirements, I am formally requesting that you : 1. Provide me with a copy of the Form 1099-C that should have been issued for this account, or 2. Issue a Form 1099-C if one has not yet been prepared, documenting the canceled debt amount and the date of cancellation Additionally, I am requesting that you update my credit report accordingly. Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, once a debt has been discharged and a 1099-C has been issued, the account should be reported as " paid '' or " settled '' rather than as an ongoing collection or charge-off. The current reporting is inaccurate and harmful to my credit profile, as it suggests an ongoing obligation that has legally been satisfied through the discharge.

Please send the requested 1099-C documentation to my address listed above and confirm in writing that you have taken steps to correct the credit reporting within 30 days of receipt of this letter. If you believe that a Form 1099-C is not required in this situation, please provide a written explanation detailing the specific reasons and the relevant exemption under IRS regulations XXXX 

I appreciate your prompt attention to this matter. Proper documentation of this canceled debt and accurate credit reporting are important for both my tax compliance and your institution 's regulatory compliance obligations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX Credit Bureau