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

I filed a purchase protection claim with American Express : The date was XX/XX/2022. I traveled from my home in XXXX, Florida to XXXX, Florida to walk around, explore, and photograph an area called XXXX XXXX. I parked at the XXXX XXXX XXXX, walked to XXXX XXXX, and hung out there for a while. I walked around, used my camera to photograph the cool things in the area, and ate at a restaurant/bowling alley place there. 

After eating, I hung out at XXXX XXXX for a little longer, before deciding to walk around the XXXX  XXXX area for a little. After walking around, I found myself near a park with playgrounds and benches ( looking at the map, that park was XXXX XXXX XXXX XXXX ). 

I sat on one of the benches for a while, as I was a little tired from walking around. I was on my phone, and saw a man ( the father ) trying to take a photo of his family, approximately 15-20 meters away. Knowing how I would appreciate it if someone offered to take a photo of my own family while we were out and about, I offered to take a photo of all of them together. We chatted for a while before they departed, and once they left, I went back to the bench where I had been sitting. The camera bag was in my view while I was taking a photo and chatting with this family, however when I came back to the bench it was gone. I spent about another hour looking for my camera bag in the park area, asking people if they had seen it, checking everywhere for it, but to no avail. 

I didnt immediately file a police report, because I figured I had lost it. The next day, I filed the claim with American Express that I had lost my camera. 

After being on the phone with an American Express representative today, they mentioned that the claim had been denied, since by my description, the item had most likely been stolen, instead of me losing it. I asked if there was anything I could do, and they mentioned filing a police report and to add it to the claim. I filed a police report with XXXX Police Department, which you can now also find added to the claim. 

I believe that my purchase protection claim was wrongfully denied. After many hours of speaking with customer service representatives, filing police reports, and looking everywhere for my camera, my claim was denied, due to it being not reasonably safeguarded. 

I did everything in my own power to keep the camera reasonably safeguarded, yet it was still stolen from me - whats lost on me is that if any reasonably safeguarded item was stolen, then the thief was able to bypass the safeguards and steal the item. 

I realize that my original filing was under lost item, but as requested by an American Express representative, I filed a police report to claim the item was stolen, as that was what had happened. I was confident in American Express to help me in this matter- why else would I be willing to pay {$690.00} every year? Its very disappointing and quite frustrating, as Ive been an American Express customer since I turned XXXX XXXX XXXX, and have recommended the company to many friends and family due to their excellent customer service and benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 recods of convictions of crimes which antendates the report by more than 7 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 innacurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and PIONEER CREDIT COMPANY are all listed as the creditors of an account on my credit reports. Clearly, there are errors with this reporting due to the following reasons : A. All entries shows that an account was opened on XX/XX/2013, however ; these entries refer to different account numbers ( Account # XXXX ; XXXX, XXXX ) B. How can this one account have  DIFFERENT BALANCES? 

C. How can this one account have DIFFERENT DATE OF LAST PAYMENT?

D. How can this one account have DIFFERENT DATE OF ACCOUNT CLOSED? 

E. How can this one account have DIFFERENT PAYMENT HISTORY? 


I am asking for assistance from the CFPB because : # 1, I know for a fact that I DID NOT open multiple accounts on XX/XX/2013. 

# 2, I requested validation of these debts. I sent a certified letter to all three addresses listed on my reports. I have proof that all letters were received. I DID NOT get back any validations. The only correspondence that I received back was a letter stating that I applied for a loan on XX/XX/2013, but the account is now sold and I should direct all questions to the new owners for verifications. My issue and point are that the items on my credit report which are in questions have to do with XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and PIONEER CREDIT COMPANY and the fact that they are reporting incorrect information on me and fail to validate any information as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I have requested online from all XXXX  credit reporting agencies ( Equifax, XXXX, and XXXX ) to update my name and current address on my credit profile due to other addresses are not deliverable to me by the U.S. Post office, and they are not reportable as per the Fair Credit Reporting Act. After receiving my updated credit reports, nothing has changed. 

XX/XX/XXXX, I sent a certified letters to each credit reporting agencies ( Equifax, XXXX, and XXXX ) along with my Driver 's License, SSN, and a current bill with my current address to indicate the correct address. Again, receiving another update, my credit reports had no changes. 

XX/XX/XXXX, I repeated my steps to each credit reporting agencies ( Equifax, XXXX, and XXXX ) along with a copy of my DL, SSN, and current bill that reflects my new address. Again, upon receiving my update credit report, my old addresses are still appearing on my credit reports. 

XXXX, XXXX, 2024, I spoke to a rep from Equifax, who stated the information was updated but doesn't know why its not on the credit report. The rep asked me to wait another 30 days for an update. XXXX and XXXX, stated they could not update via phone. I am looking for resolution for CFPB as they can potentially harm me from receiving government and personal documents.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I did a zero interest balance transfer with my Wells Fargo XXXX that had a zero balance at the time of the transfer. 
XX/XX/XXXX I had a fraudulent charge on my card interest began to accrue once it was discovered WF credited my account the full amount plus interest. 

Around the XX/XX/XXXX I noticed they were still charging me interest on the fraudulent charge. On XX/XX/XXXX they reversed the interest charges and was promised that it was resolved and it would not happen again. I was also told that they would monitor the account to assure it didn't happen again. 

XX/XX/XXXX interest was charged again. 
XX/XX/XXXX I called to report it and was told that someone within WF had check the account and did nothing to correct it. They are now opening yet another case file to investigate this. 

Since WF has a history of this XXXX, I thought you should be aware and could look into this possible affecting other people as well.
Product: Debt collection

XXXX XXXX IS CURRENTLY SHOWING ON MY EQUIFAX CREDIT REPORT THE ACCOUNT WAS OPENED FRAUDULENTLY PLEASE REMOVE FROM MY CREDIT REPORT.
Product: Credit reporting 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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MORTGAGE XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within XXXX  days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am filing a formal complaint under 15 USC 1681 and the Fair Credit Reporting Act regarding violations of my rights by consumer reporting agencies. As a natural person with federally protected consumer rights to privacy and confidentiality under 15 USC 1681, I demand the immediate deletion of the following accounts on my credit report, as I did not give permission for them to be furnished : XXXX  XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX According to 15 U.S.C. 1681 section 602 A, I have the right to privacy. Additionally, section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions, and section 1681c ( a ) ( 5 ) prohibits any consumer report containing certain adverse items of information, including those antedating the report by more than seven years.

Furthermore, under 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. The consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), as I have noticed multiple billing errors that have not been properly reflected on my statements. I demand to see hard proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. The items listed below should all be updated as agreed on my consumer report : XXXX XXXX XXXX # XXXX XXXX XXXX Auto Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX XXXX Act. # XXXX If these accounts are not updated immediately, I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. Additionally, I did not authorize the following companies to access or pull my credit report, and these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they were made for a permissible purpose. Therefore, I request that these inquiries be removed immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

AimLoan ( https : //aimloan.com ) says they don't accept self-employed individuals because they MAY HAVE used PPP or Mortgage Forbearance program or other aids. They haven't even checked my documents to see if I am capable of paying off the loan without their help or if I am taking any money from PPP or taking Mortgage Forbearance help etc. They haven't even checked if I missed any payments or even where do I stand in my mortgage or financial position. 

They ARE accepting W2 candidates even though they have been taking financial benefits such as PUA and/or state unemployment benefits!! Now this is distinctively case of discrimination. In Country of Opportunity and small business owners are discriminated!!

On one hand Mr President and government is talking about protecting economy by lowering rates and help common man reduce financial burden by refinancing, BUT, on the other hand lenders are disqualifying applications WITHOUT even taking a look at there application BUT just at a category " self-employed ''. 

This needs to be stopped. All homeowners, regardless of their source of income, should be considered equal. Otherwise this will be a first stone to the grave of housing crisis knocking our door! 

I asked to speak to The President Mr XXXX to voice my opinion and to ask if it's legal and ethical to do in given times. His representative reached out to rehearse the same policy. United States residents who are homeowner paying mortgages without failing and having average to better score should be protected and such lenders should be punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN GETTING CALLS FROM DEBT COLLECTORS AND COULDN'T UNDERSTAND WHY! I SO HAPPENED TO PULL MY CREDIT REPORT AND I NOTICED ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT THAT WERE NOT MINE AND ARE UNAUTHORIZED AND FRAUDULENTLY REPORTING ON MY CREDIT REPORT. I AM HIGHLY UPSET ABOUT THIS MATTER, A POLICE REPORT IN XXXX HAS BEEN FILED AND ADDITIONALLY A COMPLAINT WITH THE FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off. 

XXXX XXXX XXXX  account number XXXX is reporting incorrectly. I request that this inaccurate item be immediately investigated. The account must be removed to show my true credit report. Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED CALLING THE CREDITORS BUT HAD NO LUCK WITH GETTING MY ISSUES FIXED. SOMEONE TRIED GETTING SOME CREDIT CARDS IN MY NAME WITHOUT MY PERMISSION CAUSING HARD INQUIRIES TO OCCUR ON MY CREDIT REPORT. STATE FARM BANK-UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX XXXX CARD-UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX XXXX XXXX XXXX- UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint with Navy Federal Credit Union regarding multiple overdraft fees that I have incurred.Despite having sufficient funds when transactions were authorized, I was charged fees due too lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation to my account transactions!
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit report often as I am in the process of home ownership. 
I recently realized that I have a credit inquiry for the company listed below that I have no knowledge of and have gotten no where trying to dispute it. 
I did not approve of this and after some research, I've noticed that I am not the only person who's had this problem with the same creditor. 
I would like this to be removed from my report ASAP please. 

Institution Information XXXX National Credit Cards/XXXX XXXX  , FL XXXX ( XXXX ) XXXX
Product: Mortgage

US Bank raised the monthly payment and the mortgage without explanation. They did finally give a reason almost 2 years later after numerous error complaints. 

US Bank did not apply payments the day of or the day after submitting payments, including cash, to a local branch. US Bank charged late fees on these delayed payments.

Also, US Bank funneled money into a suspense account without my knowledge where those funds were designated to go toward the principle. US Bank does not pay interest on suspense accounts even though requested.

US Bank began refusing payments before foreclosure. Also, monthly payments were made far more than enough to bring the loan current, between 4 and 9 times monthly payment amount.

US Bank denied a loan modification 3 times without giving a reason even when requested.
Product: Student loan

To whom this may concern : Thank you for taking the time to read this email. Im writing because I noticed that my most recent credit report contains 60-day late payments reported by FedLoan Servicing from 2014. These incorrect notes are being listed on all ( 9 ) loans that I have with them.

- The payments should not have been reported as I was under a forbearance period.

- Those forbearance was needed due to an XXXX XXXX XXXX   that required multiple months to recover ( I was unable to care for myself without assistance during the recovery ) - I was told by FedLoans that there would be no negative credit reporting and the forbearance would protect me from any negative action.

I've reached out to FedLoans to make them aware of the mistake, but I did not receive help in resolving the matter. As you may imagine, the impacts of this late payment has had a negative impact to my credit report. I have had excellent repayment history for all of my debt obligations, this is not an appropriate reflection of how I handle my responsibilities. Please help me resolve this matter. 

Thank you
Product: Credit reporting or other personal consumer reports

I requested NCA to provide proper documentation supporting the incorrect information reported to the bureaus. I ordered a cease and desist and they continue to report to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016.
Product: Credit reporting or other personal consumer reports

CarMax Finance has " closed '' and " written off '' {$11000.00} and has not sent me form 1099-C as of XX/XX/year>. I am asking for my 1099-C or that this debt will be totally removed from my credit report with all three bureaus. This is considered fraud, I will report this to the IRS and file a lawsuit. I have sent this company a certified letter with no response.