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

I filed a recent complaint against American Express so this is a continued, new complaint. American Express is NOT following the acts that were passed due to the Coronavirus pandemic to protect small businesses and consumers! In XXXX, American Express totally SHUT DOWN use of all my credit cards ( both consumer and business ) WITHOUT NOTIFYING ME! So I was stuck at the grocery store trying to check out/pay for my food and my American Express cards were all DECLINED! One of our business accounts is not revolving and an XXXX payment was due. However, I'd called Amex and spoke with a rep who said we could still use all of our cards but just needed to stay within the credit limits. I was lied to then because they were SHUT DOWN. I then called back in and they put me on their ridiculous " Payment Relief Program ''. At that time, they told me that it's unlikely anything will be different on my accounts - but it would benefit me because I'd have lower interest rates, lower payments, no annual fees, etc., and would still have use of my cards within the credit limits given the necessary payments ( per the program ) were being made. I made the payments as required and even paid a bit more. However, when I went to use my cards again, I was DECLINED/SHUT DOWN again! So I called Amex again ( BTW, it takes at least an hour to get a hold of anyone and routed to another country where English is NOT the first language and it's very difficult to understand the reps ). The rep then informed me that even though I'd made my payments, that my cards were declined because Amex had DECREASED MY CREDIT LIMITS WITHOUT NOTIFYING ME! No one told me that as a result of entering into the program that my credit limits would be decreased. I was aware it could be a possibility, but they again lied to me because I later found out it's a MANDATE TO DECREASE CREDIT LIMITS as a result of participating in the program. Amex actually admitted to their mistake here. I then requested to be exited from the program because it was hurting me more than anything! I then exited the program last week and send an email ( one of many ) to their CEO stating exactly what the rep told me and that my accounts were ALL CURRENT and there's was nothing further I needed to do. However, I was SHUT DOWN again last weekend at the grocery store trying to buy food for my family again with NO NOTIFICATION. I called in again and spent another hour of my time and the rep said they put a hold on my accounts because I'd exited the program! LIED TO AGAIN! When will American Express be held accountable for treating their customers this way and during a pandemic! WHEN will XXXX XXXX TAKE OWNERSHIP for what's happening to his customers during this pandemic? WHEN will they stop lying to us, let alone support us?! Thank you in advance for your attention to this matter. I expect your involvement with help others experiencing this nightmare as well!
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX  XXXX XXXX Trans Union is reporting the account type as open, while XXXX is reporting it as a collection account. Which one is it? Is it open, a collection account, is it charged off or is it not? Why are there so many incomplete fields? Did XXXX XXXX  not supply that information to you? 
Why is the date last active XX/XX/XXXX with Trans Union but XX/XX/XXXX with XXXX? 
Which one is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the XXXX account ( Account Number : XXXX ) on my credit report, which contains multiple inaccuracies and reflects poor reinvestigation practices by the credit reporting agency , violating several provisions of the Fair Credit Reporting Act ( FCRA ). 

Specific Inaccuracies and Violations : Repetitive Charge-Off Reporting : The account has been reported as charged off ( CO ) every month from XX/XX/XXXX through XX/XX/XXXX, effectively re-aging the charge-off status, which is not allowed under 15 U.S.C. 1681c ( a ) ( 4 ). This practice extends the negative impact of the charge-off on my credit report beyond the permissible seven-year period from the date of first delinquency. 

Incorrect Balance Updates : Despite the account being charged off in XX/XX/XXXX, the balance was updated as recently as XX/XX/XXXX, suggesting ongoing changes to a static account, which contravenes 15 U.S.C. 1681c ( c ) ( 1 ). This update misleadingly indicates activity or re-aging of the debt.

Failure to Provide Reinvestigation Process : Upon my dispute, I requested details of the reinvestigation process as required by 15 U.S.C. 1681i ( a ) ( 6 ). The credit reporting agency failed to provide a comprehensive explanation or reinvestigation results, violating my rights under the FCRA. 
Due to these repeated violations and inaccuracies, I am requesting the immediate deletion of this account from my credit report. Additionally, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate these practices to ensure compliance with federal laws. 

Thank you for your attention to this matter.
Product: Debt collection

Unknown derogatory account has appeared on my credit report by Real Time Resolutions. I have not received any information in regards to validation of this debt. I contacted them and was told I would receive a letter in the mail within 30 days in regards to the claim. I have not received anything 2 years later.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX packages. Can not reach customer service. No working telephone number to reach out for assistance. I have one lost order and several held up orders while still being charged monthly for a service that I can not use. Reached out via email sent to at XXXX and was told that I needed to log in yo my account for assistance. I am clearly logged in my account to have placed orders and the chat feature is disabled. Several lost package requests have been submitted with no assistance.
Product: Debt collection

Company is not licensed to collect in my state ( Michigan ). I checked on the www.michigan.gov/XXXX website as well as called the state ( XXXX ) and I was informed that the company has no license to collect debt in the state of Michigan. The company took two payments out of my bank account once on XX/XX/XXXX and XX/XX/XXXX. They never validated the debt either. They also never gave me a confirmation of my payment. They claimed they would mail it to me but I never got it after asking it to be mailed twice.
Product: Student loan

I've been repaying for years and it's never ending. I end up oweing more and more, it affects my credit, I cant qualify for my first home or any loan. Its ruined my life completely.
Product: Debt collection

On XX/XX/23 or XX/XX/23, I called LRS following up on a letter I received regarding a medical debt sent to them for collect, asking for additional information on the debt owed. I also asked for information on the debt collection process for future reference should I actually owe the debt. 

Between XX/XX/23 and XX/XX/23, I received multiple calls from LRS attempting to collect the debt even after verbally requesting more information on the alleged debt on previous calls. 

XX/XX/23 - I contacted LRS in writing that my clinic had no record of me owing any debts previously, currently, or sending any debts to collections. Also included " If you believe that I am still responsible for this debt, please send me any documentation you have that proves that I owe it. Until then, please cease all communication with me and note on your records that I dispute any responsibility for this debt. If you are reporting this information to a credit bureau or have already reported it, report that I am disputing this debt. '' Between XX/XX/23 and XX/XX/23, I received daily calls ( sometimes multiple a day ) from LRS attempting to collect the debt even after communicating I was disputing the debt and requesting proof of the debt owed. 

XX/XX/23 - following a call from LRS that I answered, I contacted LRS in writing and reiterated that I disputed the debt and to report that to any credit bureaus to which they may be reporting the information. 

XX/XX/23 - I received an itemized bill, which included appointment dates, doctors, and the appointments purportedly owed for these appointments. 

XX/XX/23 - I asked in writing how to pay the amount and if there was an option to do so online. 

XX/XX/23 - After not hearing back from the company, I followed up in writing asking for the same information from my XX/XX/23 communication. 

XX/XX/23 - I followed up in writing for the second time asking for the same information from my XX/XX/23 and XX/XX/23 written communications. 

XX/XX/23 - I followed up in writing for a XXXX time in a XXXX attempt to pay the debt I purportedly owe ( I still do not believe I owe the debt, but I would simply like it off of my credit report at this point ).
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Mortgage

XX/XX/XXXX I noted a change in my mortgage payment with Ditech with an increase of approximately $ XXXX/month. I called and was told my taxes had increased by XXXX % and therefore I was behind on escrow. The taxes had not been increased, but rather were incorrectly added to my account in their tax department. Their tax department agreed there was an error and they would rerun the escrow report and change the payment amount. I contacted the Ditech again after there was no correction two weeks later. I have called every 10-14 days since to have this corrected. Each time I am told a department did n't do their particular job and they will forward an email to have the correction made. I was told on half a dozen occasions that a new escrow report would be done and they would correct the account. No report has been run and no changes have been made. I called again today and was told again, went to wrong department and check back in 3 days. They would not give me any further phone numbers to talk to someone in a Managerial position to resolve my problem. I continue to pay the inflated monthly payment to avoid any credit reporting issues. I feel that I must refinance my mortgage with another lender to get away from this company. I 'm not sure what else to do.
Product: Credit reporting or other personal consumer reports

I have the following inquiries that I didn't consent to nor benefit from on my consumer report. XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX. This has caused me, and my family destress and emotional damages and should be removed immediately according to15 usc 1681b permissible purpose.

I have a right to privacy ( PRIVACY ACT OF 1974 ) In accordance with the principles outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 section 602a, it is emphasized that consumer reporting agencies, such as XXXX and XXXX, must execute their responsibilities with fairness, impartiality, and a profound regard for the privacy rights of consumers. As the individual in question, I assert my right to ensure the non-disclosure of my private information, a right substantiated by 15 USC 6801, which underscores the congressional policy obligating financial institutions to uphold customer privacy and safeguard nonpublic personal information. The entity providing information to credit agencies, colloquially known as the 'Furnisher of information to credit agencies, ' falls within the definition of a financial institution under the aforementioned title. According to 15 USC 1681 section 604a ( 2 ), a consumer reporting agency is permitted to furnish a consumer report solely in accordance with the explicit written instructions of the respective consumer. In this case, neither the financial institution nor the consumer reporting agencies, XXXX and XXXX, possess my consent, whether it be verbal, non-verbal, written, implied, or otherwise, to furnish such information. All forms of consent are hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) asserts that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been provided with an explanation of how to exercise the nondisclosure option. To my knowledge, the 'Furnisher of information to credit agencies ' failed to inform me of this right, rendering any such disclosure unlawful. It is essential to note that 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without proper authorization, specifically any adverse information exceeding a seven-year antedate. The inclusion of such adverse information on the account in question is a clear violation of this provision. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A mandates that any person furnishing information to a consumer reporting agency must ensure the accuracy of the information provided. XXXX and XXXX, by reporting inaccurate and unauthorized information, are in direct violation of this statutory requirement. In light of the aforementioned legal provisions and violations, I demand immediate corrective action to rectify the inaccuracies and cease any unauthorized reporting by XXXX, XXXX, and the 'Furnisher of information to credit agencies. 


I also filled an identity theft report. See attached
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I requested a personal loan of XXXX for some unexpected bills. The agent didn't clearly explain to me the interest rate or what amount I'll be paying back. To my understanding I was told I'll be paying back a small amount on top of the loan I'm borrowing. Due to the amount of time for processing she stated I have three minutes to complete the application in order to receive the funds by the time deadline. The agent then had me to rush to complete my signature and stated I can read the agreement on my own time. I have paid a portion of the loan I borrowed and will now go into the interest rate of the loan payment which is more then what I expected {$5000.00} of XXXX I borrowed.
Product: Checking or savings account

Deposited a check for XXXX on XX/XX/XXXX and was told funds were not available for XXXX days. I accepted that as fair. Then they decided they would hold funds for an additional 8 days stating they would verify the signatures. The bank the check was drawn on gave Wells Fargo the XXXX on XX/XX/XXXX, but Wells Fargo is still not releasing the funds to us until XX/XX/XXXX. Is is fraud. They are keeping my money and using my funds. They also are charging me multiple nsf fees since my account has gone overdrawn.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/year> Experian information Solutions , Inc . 
Dispute Department To whom it may concern, I am writing To formally dispute, an accurate information on my credit report. This dispute is submitted under the fair credit reporting act ( FCRA ), 15 U. S. C. 1681i, Which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by Consumer Financial Protection Bureau ( CFPB ) have brought two light significant concerns regarding experience, failure to conduct proper investigations. Specifically in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Experian is required to conduct a thorough and reasonable rev investigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 


I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Provide me with all documentations used to verify the accuracy of the disputed information. 

XXXX. Or delete any information that can not be verified or inaccurate, as mandated by the law. 

Given the recent CFPB findings, I expect experience to handle this dispute with an upmost seriousness and compliance with legal standard. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes to my credit file. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

according to the fair credit reporting act 15 usc 1681 section 602a states " there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. also fcra 605b says for the purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking, alco 15 usc 1666b-timing of payments says a creditor may not treat a payment on a credit card account under an open end 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 XXXX  days before the payment due date which I inform the credit reporting agencies I never received. also 15 usc 1637 requires disclosures by creditor before opening any account under an open end consumer credit plan, the conditions under which a finance charge may be imposed including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge. investigation failed to properly correct these erroneous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I pulled my credit report and noticed that Central States is reporting and trying to collect on several accounts which they state were opened on various dates, to-wit : XX/XX/XXXX for {$670.00} ; XX/XX/XXXX for {$500.00} ; XX/XX/XXXX, for {$480.00} ;XX/XX/XXXX, for {$610.00} ;XX/XX/XXXX for {$370.00} ; XX/XX/XXXX, for {$250.00} ; XX/XX/XXXXfor {$250.00} ; XX/XX/XXXX, for {$82.00} ;XX/XX/XXXX for {$82.00} ;XX/XX/XXXX, for {$87.00} XX/XX/XXXX for {$670.00} ; and,XX/XX/XXXX, for {$1300.00}.

Please note that I have never entered into a contract with Central States. In addition, pursuant to Kansas Statutes, more specifically, Statute Number : 60-512, the statute of limitations of 3 years has passed on collections of this type of account.

On XX/XX/XXXX, I wrote to Central States indicating that I disputed the alleged accounts and that the Statue of Limitation had run. They received my letters on XX/XX/XXXX, at XXXX XXXX. Today,XX/XX/XXXX, I pulled my credit report, and they are still reporting and trying to collect on the alleged accounts.
Product: Debt collection

In XX/XX/2020 I called CCS and agreed to pay the balance due of {$120.00} if they agreed to remove the item from my credit report. I was told that since the account was over 2 years and if I paid in full I qualified to have it removed from my credit report. I was told if I didnt pay the full amount then it would only be updated as paid on my report. I spoke to several different people on around XXXX XXXX and was told it would be removed since I paid the bill online in full. I have been trying for months to get this removed because that was what was promised to me. This company lied and misrepresented what would happen if I paid them in full. 

CCS COLLECTIONS XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX
Product: Checking or savings account

Upon requesting an XX/XX/XXXX REPORT, I encountered some ghost bank transfers that I am currently unaware of through myXX/XX/XXXXXXXX bank ending in XXXX and Wells Fargos account ending in XXXX. Ive tried to review some past account statements that are currently frozen through my online account with no access available. The ghost transfers date back through the years of XXXX. I am not fully aware if the transfers date back further but I would like to have these fully investigated with as much information back as possible. Statements to these transactions are frozen through the banking site.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$5900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX : {$1000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1100.00}, XXXXXXXX XXXX XXXX XXXXBalance : {$24000.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$500.00}, XXXX XX/XX/XXXX