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

On XX/XX/XXXX of 2022 A representative from American Express XXXXadvanced collection mitigation unit collection called to discuss my account. I explained I lost my business, my father passed away, my identity had been stolen, and did not have the income to make full payments. She empathized whit me and offered an option to keep my account in good standing, relieving the interest, and removing late charges. We agreed on a monthly payment of {$160.00} for both accounts, and in turn, my account would not be reported as delinquent. She proceeded to set my bank account number up for the autopsautopay and charged me the initial fee to activate the relief account. 

American Express has failed to update the information to the credit bureaus and instead has reported my account as delinquent, they continue to charge interest and late fees. They are taking XXXX per month for each card instead of the agreed-upon XXXX for both accounts. I have spoken to several representatives, and supervisors and they refuse to refund my money and refuse to honor the initial agreement. This month they took the money I had for groceries and sent me into an overdraft. I was only expecting a XXXX dollar charge and instead, they took that money 2 times again
Product: Debt collection

In XXXX I filed for bankruptcy, XXXX XXXX was included in the bankruptcy. Bankruptcy was dismissed in XXXX. In XXXX Portfolio recovery bought the debt. They have been reporting incorrect information on my credit file. They are stating that on one of my files the account is listed as open, on another account the are reporting it as 120 days past due. I have disputed this information since XX/XX/XXXX. Called and talked to Portfolio Recovery yesterday ( XX/XX/XXXX ) they still will not fix this issue. Isn't is true that Collection agency 's cant report a files payment history?
Product: Student loan

On this current account I have inaccurate information that can not be verified and I have a question documentation to verify this information. On this account I have unverified late payments during this time the account was in forbearance and there should not be any late payments. I have called to request a forbearance to avoid any form of late payment due to the fact I was continuing education with this particular loan service. According to several agents the individual who took the information did not update the information or did not process the information and result causing derogatory late payments on the account. I have requested the original contract of this account on three different occasions and have yet to receive anything. And if there is indeed late payments I am requesting the original signed contract with my original signature agreeing to these practices. If none of this information can not be provided I request that the unverified late payments to be updated to positive & current.
Product: Credit card or prepaid card

This account was opened to purchase XXXX XXXX. We have made our monthly payment every month. In XX/XX/XXXX, we received at letter stating that we owe quite a substantial amount in late fees. We call the company to be told that we missed a payment back in XX/XX/XXXX. I looked at my bank records and said no, we made the payment. The Credit Card Services stated that I was making my payments to early, so they were being applied to the principal not as a payment. I said I have never heard of anything so crazy and why did you wait until XX/XX/XXXX for something you thought was wrong back in XX/XX/XXXX? No explanation, just wanted us to pay the full amount of late charges. We have made a payment every month, everyone agrees that money was received from us every month. On XX/XX/XXXX we spoke with an American speaking representative that told us that we are caught up in a, " MISS POSTED PAYMENTS CYCLE ''. Meaning that we are billed out on the XXXX of every month, so we can only pay on our bill after the XXXX of the month because our payment is due on the XXXX of the month. I have been paying the bill consistently between the the XXXX to the XXXX of the month and they are adding late fees and additional fees for non payment every month, even though we are paying the monthly payment! The representative stated that she was filing a complaint with the company, but it will take up to 30 days to get a response due to the high volume of complaints regarding this credit card company! The credit card company has reported us as a late payment risk that shows up on my credit report now! 
We understand that we are not the first people this credit card company has done this to, we want the excessive charges dropped and removed and our credit restored with explanation and remove the late payment history. from my credit report to be made whole.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. XXXXXXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX. These are not my accounts.
Product: Mortgage

Pentagon Federal Credit Union ( PenFed ) is attempting to collect a debt that was previously included in a Bankruptcy, paid according to the plan and discharged. They filed a lien my on my property and never released the lien which is preventing me from refinancing my home. PenFed told me that I owe them money and that the loan was a 'charge-off. ' They will not release the loan until I pay them. 

The bankruptcy was case XXXX discharged on XX/XX/XXXX. In XXXX of XXXX I took a loan from PenFed in the amount of {$60000.00} as a home line of equity. The court order the strip of the second lien and the claim allowed ( per the included Trustees final report included in this letter ) was {$55000.00}. It was paid and discharged. I have applied for a home refinance of my current mortgage. The title company told me that PenFed did not file a Certificate of Completion with the county to get this loan/lean released off of my property so that I can refinance. I contacted PenFed on XX/XX/XXXX and spoke to a XXXX, a XXXX XXXX, and was told that the loan was a charge off and that I owed a debt and needed to pay it. I informed them that the loan had been included and discharged by the Court. I sent them the discharge notification, the order to strip the second loan, the discharge notification and even the trustees final report and account! PenFed is not removing the lien until it collects the discharged debt. PenFed also told me that I currently owe them money for a vehicle loan ( I eventually got the title and the vehicle has been sold years ago ). PenFed is labeling the discharged debts as charge-offs. I previously had to file a complaint with the CFPB to get this resolved. If PenFed does not remove the lean on my home, I can not refinance my home. I will lose my locked in interest rate ( 3.34 % ). The refinance would save me approximately {$800.00} per month. 

PenFeds XXXX XXXX told me that only a XXXX XXXX could handle my case. No supervisor was available to speak with me. XXXX XXXX was the person who would not correct the prior attempts to collect discharged debt previously. PenFed will not allow me to speak to Mr. XXXX. His email is XXXX and the collections main phone number is XXXX lease assist in this matter as soon as possible. I have attached the following : 1 ) Trustee final report and account, 2 ) Discharge Notification, 3 ) order to strip second lien, 4 ) Deed of Trust recording the PenFed loan with the XXXX County Court, and 5 ) email to PenFed and XXXX XXXX of PenFed.
Product: Debt collection

I have been a victim of identity theft and I have accounts in collections that are bringing down my credit and not allowing me to qualify for credit cards or home/auto loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$23000.00}, {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account.
Product: Credit card

I redeemed cash back offers for two merchants XXXX  and XXXX with my Chase freedom rewards card. The dates spanning from XXXX XXXX, XXXX  to XX/XX/year>. I have not received my cash redemption yet. I have contacted Chase several times regarding the issue.
Product: Debt collection

I requested a copy of a contract from Equifax between be and the original creditor proving the debt reported belong to me. showing the original amount explaining the unpaid amount and for what. F C R A consumer reporting agency require notification I never receive notification are explanation. I requested the information a number or times all I ask is proof or the debt and the reason. are remover the incorrect information from my file as stated by law. information in question XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX   XXXX XXXX.
Product: Credit card or prepaid card

My AMAZON Visa Card with CHASE, account number XXXX was lost or stolen and incurred charges totaling to {$100000.00} statement with due date on XX/XX/2019 I've contacted the bank with phone number XXXX, spoke to customer service rep named XXXX and reported the fraud on XX/XX/2019, I also spoke to XXXX on XX/XX/2019 and explained the same thing.. I clearly stated that I personally have nothing to do with any of charges posted on that card. Today XX/XX/2019 I received letter stating that my claim was partially denied based on the matter that I personally " received benefit from transactions '' in amount totaling to {$36000.00}. They provided me with new number XXXX XXXX for additional assistance. 
I spoke to representative with the name of XXXX on XX/XX/XXXX  at XXXX XXXX and clearly stated that I have nothing to do with those transactions and requested to have those charges removed from that account.
Product: Money transfers

Once again, I attempted to do an online transfer of {$100.00} from my PNC checking account to my PNC smartcard and once again PNC has removed the funds from my checking account and has failed to put them on the smart card, forcing me to call in YET AGAIN, be placed on hold and transfered to various departments in order to get the funds either returned to my checking account or put on the smartcard. This time, an " escalating customer service rep '' said that they are aware that there is a glitch that sometimes does this, that it is their fault, that they have had numerous calls when it happens, but have no idea how to fix the glitch since it is inconsistent. PNC needs to have severe punitive penalties, from in effect, stealing from its customers and not addressing the issue unless customers are willing to be on hold for over an hour with each incident and get angry. PNC acts are clearly illegal and need to be fined heavily -- my guess is they will figure out the " glitch '' very quickly if they are forced to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1618. 

Equifax is govern by 15 USC 1618. And they violated my rights numerous of times. I demanded the accounts listed below be removed because According to 15 USC 1618 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts # XXXX # XXXX # XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , INC ) due to an adequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent or address fraud on their platform, leaving my account, vulnerable and unprotected Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused. Significant inconvenience. And financial loss. And I seek proper redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal Dispute of Credit Reporting Without Written Consent ( 15 U.S.C. 1681b ) Dear, Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am writing to formally dispute the furnishing and inclusion of ( XXXX XXXX XXXX OPENED XXXX ACCT # XXXX BALANCE {$860.00} ) in my credit file. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a consumer report under certain permissible purposes, which must include my explicit written consent in specific cases. 

After reviewing my records, I have determined that I did not provide written consent authorizing XXXX XXXX XXXX. or any other party to access or furnish my information to XXXX. Accordingly, the presence of this account or inquiry on my credit report constitutes a violation of my rights under federal law. 

Details of the Violation XXXX. Lack of Written Consent : According to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are required to obtain my explicit written consent before furnishing my credit report for certain purposes. I have no record of granting such consent to [ creditor/agency name ]. 
XXXX. Unpermitted Access or Reporting : Any party accessing or reporting my information without a valid permissible purpose is in violation of federal law. 

Requested Action I demand the following actions to rectify this issue : XXXX. Immediate Investigation : Initiate an investigation into this matter, as required under 15 U.S.C. 1681i. 
XXXX. Removal of Inaccurate or Unauthorized Information : Remove any accounts, inquiries, or information in my credit report that can not be verified as furnished with my explicit written consent. 
XXXX. Notification to XXXX  Parties : Notify all third parties who have received my credit report in the past XXXX months of any corrections or removals made to my file. 

I have enclosed copies of the following documents to support my dispute : FTC Report Proof of Identification Under the FCRA, you are required to investigate and respond to my dispute within XXXX  days. I expect to receive confirmation of your receipt of this dispute and updates on your investigations progress. 

If the disputed information is not removed, I request a detailed explanation of the investigation process and evidence supporting its continued inclusion on my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

In a shell. Upgrade received a refund from XXXX formally known as XXXX. {$22.00} refund issued on XX/XX/XXXX on card ending in XXXX with XXXX  XXXX and {$22.00} refund issued on XX/XX/XXXX on card ending in XXXX with XXXX XXXX. Both refunds are being refused to be sent to me, even though, account had been closed as of XX/XX/XXXX ( more than a year ago ) and charged off as of ( same date ). As far as I know Upgrade took a Tax Break for the amount charged off equal to {$970.00} ( Negative amount ). This amount not also had been charged off and accounted for, but it also, had been discharged in bankruptcy case number XXXX Attorneys Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The " Automatic stay '' gives consumers the power to sue any company that accept payments when the stay is in place. Based on the date of this refunds, funds should've been sent to me. Please correct your error and refund the funds. I had called 5 times for the same issue, account will show every communication attempt I've made asking for the devolution of this funds held by the Bank.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to a local bar. Ordered food and drinks. The bill came to XXXX. I handed them my credit card. When I signed the slip to return to the bar. I wrote in to add a {$5.00} tip. The next day the owner called me and said the bartender accidentally made the tip {$120000.00}. They said they would contact their merchant and stop the transaction. My account limit is only {$8500.00}. I figured it would get declined if they didnt get it stopped. The bar called me the next day claiming it was fixed. Three days later it posted and was approved. I saw it using my credit card app. So I called the company and disputed it. Obviously. The next day XX/XX/XXXX. The credit card company and the bar both returned the {$120000.00}. So now my credit card showed negative. I contacted my credit card company again to fix the problem. It took till XX/XX/XXXX for them to rebill me. However they processed it twice. So it was two {$120000.00} chargers on my account. Showing again for the second time that I owed {$120000.00}. I called my credit card company back again. They saw the issue and said they were fixing it. I should see it in 3-5 days. It wasnt fixed. So I called again. I talked to their manager. She said she fixed it. I was on hold for over 30 minutes. I was told I should keep checking my transactions to see it was corrected. Again ... after another week it was not. XX/XX/XXXX it still has not been fixed after calling many many times. I now received and email from credit karma. Because of such a high balance and over my limit on a credit card. My score went from a XXXX to a XXXX. Right while I am in the process of buying a home. I called the credit card company on the XXXX of XXXX. To talk to the highest superior in the building. After over an hour. They reassured me that it was fixed and I should see it in 3-5 days .... they would not send me proof in paper or email of it. They also said they sent a dispute to the credit bureau. But that will take 30-90 days before they even look at it. All I did was buy dinner. And this company has been ruining my life with not getting anything done. My credit card is locked bc it claims I owe {$120000.00}. And now my credit is ruined and I lost the house I tried to buy. This needs fixed and no one is willing to do anything about it.
Product: Money transfer, virtual currency, or money service

Hi, Im talking about the Venmo app. First off about two or three years ago they suspended my old account ( email XXXX ) with $ XXXX dollars in it with no explanation at all and said to check my email to Un-Suspend my account but I never received that email to this day! So my other account that I was forced to make I had to sign out of to check my old one, once I tried to log back in to my current account it wouldnt let me ( same glitched happened on my suspended account when I tried ) and I looked it up and it seems to be issue thats been happening for at least 2 MONTHS! And nobody seems to have solution not Venmo or people online. This is app is how I received my money recently since its one of the few debit cards I own I NEED my Account/money back!
Product: Debt collection

Company called saying that I owe them for an alleged XXXX bill. The woman on the phone threatened that this would go into collections and that they 'd garnish my checks. 

I do not know Diversified Consultants, I have never agreed to do business with them, and they are not mentioned on any contract I have signed with anyone. 

I demand that they cease communication and threats with me, and that they remove any traces of their company that are on any of my credit reports. I demand FULL VALIDATION of this alleged debt, including the original contract for the alleged debt signed by me with their company mentioned on contract showing that they have some interest to protect, proof of assignment or ownership and a full chain of assignment, full accounting of the alleged debt, and proof that it is inside the statute of limitations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1618 XXXX Account # 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 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 and any other adverse information, other than records of convictions of crimes which antedates the report 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 inaccurate.