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

AMERICAN EXPRESS ( Bluebird prepaid card ) refuses financial transparency by refusing to provide PERIODIC FINANCIAL STATEMENTS - as required by federal law.

AMERICAN EXPRESS refused me all access to periodic financial statements ( i.e., via online access, email or mail ).

AMERICAN EXPRESS refused me an online account stating on their website " We don't like delivering bad news. However, we're unable to approve you for an Account at this time. We appreciate your interest in Bluebird. '' When I purchased the Bluebird prepaid card, it did not state anywhere on the external Bluebird packaging that one could be potentially " declined '' for account registration. Thereby, AMERICAN EXPRESS intentionally refused access to periodic financial statements and other services for which I paid.

AMERICAN EXPRESS FALSELY ADVERTISED THE FOLLOWING SERVICES ON THEIR BLUEBIRD PACKAGING TO BE INCLUDED WITH THE BLUEBIRD CARD : *Free Early Direct Deposit *Free Online Bill Pay *Free Family Accounts *Mobile Check Capture AMERICAN EXPRESS charged me a {$5.00} service fee for falsely advertised services and periodic financial statements AMERICAN EXPRESS has refused to provide me.
Product: Mortgage

Green Tree Financial somehow got XXXX Loan AFTER bankruptcy ( 2009 ) and has REFUSED TO REMOVE IT FROM MY CREDIT REPORT. The Credit Bureaus REFUSE to remove this information as well. I 've sent Certified Mail several times. The " non-payment '' history is impacting my credit negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of American and XXXX, XXXX, XXXX   credit bureaus. 
I purchased a XXXX XXXX financed by Bank of America in XX/XX/XXXX. The vehicle was a total lost on XX/XX/XXXX. BOA reported my credit as 30 days late for both XXXX / XX/XX/XXXX. I had a GAP Policy that covered this vehicle, which I was told when GAP pays it will be reported as paid in full. However, BOA is reporting it as a late payment for XXXX / XXXX. I dont think it should be on my report, after the had already received a check from GAP for this balance. Since then, BOA has financed another vehicle for me, but reporting this one as being 30 days late for XXXX / XXXX on my credit report. If I would have known, BOA was going to report this late fee on my account for a car that was totaled in XXXX. I NEVER would have financed anything Else with BOA. I have reported supporting documentation of confirmed payment. We are in the middle of a pandemic, the process with GAP may have been slower than usual due to the pandemic, but its unfair to make me suffer for this catastrophic. This is poor business in a ROCKY pandemic world. I have never had a late payment on my credit report and I am appalled at the action of BOA. This makes me sick to my stomach. I am asking BOA to remove the false statements made on my report. BOA received payment from XXXX in XXXX, but continue to try to collect payment from me. Please see attached documents. I will not stop until there is a fair decision made on this manner. Thank you XXXX XXXX.
Product: Checking or savings account

Interest rate was wrongly advertised. I should have gotten so much more in interest with my saving accounts.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian regarding the inaccurate, unauthorized, and damaging information reported on my consumer file. I received my consumer file report from Experian on XX/XX/XXXX ( Consumer File # XXXX ), and after thoroughly reviewing the information, I found that Experian has failed to ensure the maximum possible accuracy of my credit report, as required under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ). 

Despite my previous disputes and reinvestigation requests, Experian continues to report false and unauthorized information on my file, violating my consumer rights. Specifically : The reported accounts were added without my written authorization, violating 15 U.S.C. 1681b, which requires a permissible purpose for furnishing credit information. 
Experian has knowingly transferred, possessed, or used my consumer data without lawful authority, which is a violation of 18 U.S.C. 1028A. 
Experian failed to conduct a proper reinvestigation and merely parroted the information provided by furnishers without verifying its accuracy, violating FCRA 611 ( a ) ( 1 ) ( A ).

The failure to remove these inaccurate accounts is an act of willful noncompliance, as affirmed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), where the courts ruled that credit bureaus must conduct independent investigations beyond merely relying on furnishers. 
DEMAND FOR IMMEDIATE CORRECTIVE ACTION I request that the CFPB intervene and ensure that Experian : Immediately deletes all inaccurate, unauthorized, and unverifiable information from my consumer file. 
Provides full details on their verification methods, including the procedures used to verify these disputed accounts. 
Ensures compliance with federal consumer protection laws and ceases further unlawful reporting practices. 
Experians negligence and failure to comply with federal laws have caused financial harm and undue distress. If this matter is not resolved promptly, I am prepared to escalate my complaint to the appropriate regulatory and legal channels. 

I appreciate the CFPBs attention to this matter and request swift action to enforce my rights under the FCRA. Please provide a response detailing the actions taken to resolve this issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

CFPB + XXXX, In a recent check of my mail I see there is a collection account from XXXX saying I owe a debt that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed XXXX of bill showing last default date XXXX that the debt is valid and collectible and within the statute of limitations for this state XXXX that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address Your mailed letter This letter
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, I called Bank of America to report unknown charges. My debit card number had been stolen and used it 25 times at gas stations within a 9 day period for a total of {$700.00}. 

While I was on the phone with them, more charges were coming in. There were charges in XXXX which were legit and showed that I was in XXXX at the time of all of these charges. They gave me a temporary credit in the amount of {$680.00}. 

On XXXX/XXXX/XXXX, without any explanation, they denied my claim and reversed all of the temporary credits. The letter they sent simply stated that they had reviewed my case and found that these were not fraudulent charges. That was it. 

I have called almost daily since XXXX/XXXX/XXXX ( the date I received the letter ), trying to get an explaination and documentation as to their findings. I have repeatidly asked for my money back. I have spoken with a manager in their Delaware location named XXXX. While on the phone with XXXX, she makes you feel as if she is on your side and understands and agrees with you. She states that she will contact the claims adjuster (? ) and that she will call me back with information. She has NEVER called me back even once. 

Here we are a month later and I have no further information from them and I 'm still out {$700.00}. And at this present moment, I 'm waiting for XXXX to call, which I already know will never happen.
Product: Debt collection

Shown below are messages sent to the debt collector XXXX XXXX XXXX (XXXX XXXX XXXX XXXX/XXXX XXXX XXXX; XXXX, XXXX XXXX; XXXX). This issue is the following: I am a landlord and the debt is for on of the units I own. I have never lived at the location of the dept. Each of my tenants receive their utility bills directly to them. The utility payment is not included in the rent. The utility company should attempt to collect the debt from the tenant  at the location of the debt.
 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX. XXXX XXXX.XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax XXXX XXXX
XXXX XXXX XXXX XXXX

From: XXXX XXXX XXXX 
Sent: Wednesday, XXXX XXXX 2017 XXXX XXXX
To: #XXXX
Cc: XXXX XXXX XXXX
Subject: Re: Dispute 

I received a letter for Convergent dated XX/XX/2017. Please consider this my response to the consumer information guidance on the reverse side of your letter.

I dispute the total validity of this debt. 
Request to receive verification of the debt and or obtain a copy of a judgement ( I asked for this information in my message below).
Receive a copy of such judgement.

As a solution to this issues I recommend the following: have the Creditor determine the party who used their service(s) and pursue collection of debt from them. For my protection, I am forwarding a copy of this message to the Consumer Protection agency. 

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX.XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax XXXX XXXX
XXXX XXXX XXXX XXXX.

From: XXXX XXXX XXXX 
Sent: Wednesday, XXXX XXXX, 2017 XXXX XXXX
To: #XXXX
Cc: XXXX XXXX XXXX
Subject: Dispute 

I received a call from Convergent XXXXX17. I informed the caller that I have no debt due to Consumers Energy to my knowledge. I have never resided at the residence in questioned where the debt is assigned. I asked for documentation. I was told it would be sent. I have not received it. 

In response to the information you need to investigate the dispute.
Identify the specific information that is being disputed. I don't have an outstanding obligation.
Explain the basis for the dispute. I don't have a basis. I did not raise the issue.
Include all supporting documentation to substantiate the basis of the dispute. I have no supporting information. 

Please contact me if necessary. I will be as responsive as possible to resolve the dispute. Have a good day. 

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX. XXXX XXXX
Home XXXX XXXX
Cell XXXX XXXX 
Fax XXXX XXXX
XXXX XXXX XXXX XXXX.
Product: Mortgage

I paid my mortgage twice on accident so when I called they told me they would be able to refund my money back. I talked to them XX/XX/XXXX and today is XX/XX/XXXX. I called the second time and they said they mailed my refund. When I called the third time they told me they dont do refunds and couldnt see the check cut out for me. But upon investigation they saw that the payment I made was already taken out from my account. I have not received my money back. And my mortgage is about to be due again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX Account # XXXX has violated my rights. 

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
Product: Money transfer, virtual currency, or money service

Urgent XX/XX/2024 I requested Venmo inc. to unfreeze my account in order to utilize my funds. They asked for ID verification to proceed with this process however they have a reputation to undermine users and keep the funds associated to their accounts. I need the money that is rightfully mine : {$630.00}. I need this money now as an emergency as I must pay rent. The only reason I believe venmo froze my account is due to disputes and refunds with the company XXXX who failed to deliver my packages.i payed using XXXX pay which used my Venmo debit card as a purchase means which also means where I receive refunds. Attached you will see some of these refunds that went directly back into my Venmo balance. I need this escalated in order to pay for rent and survive. My associated venmo email address is XXXX. I need this case to be pushed urgently and resolved as soon as possible. I believe venmo infringed on my rights doing this as a forewarning before automatically locking my account would've sufficed. There are various people claiming that venmo takes these funds and this can't possiblely be my case. I have provided the necessary documentation and need this expedited. I do not wish to retaliate legally against Venmo. Inc so I hope this matter is resolved
Product: Credit reporting

XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes from multiple fraudulent credit inquiries. I contacted TransUnion after to dispute the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identify theft. Pursuant to 15 USC 1681b ( a ) ( 2 ) States that a customer consumer reporting agency may not furnish a consumer report only in accordance with written instructions from customer. I, the customer, never gave Equifax any written consent to report anything on my consumer report. No Consent is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX XXXX  and received funding XX/XX/2009 for {$6300.00} & {$4600.00} through XXXX, XX/XX/2009 for {$3700.00} & {$2400.00} through Department of Education/XXXX and XX/XX/2009 for {$690.00} & {$1300.00} Department of Education/XXXX   these classes I can not receive credit for because the school was closed. I paid for school that lost accreditation and had other legal issues that halted my education. I cant get or transfer any of the credits earned. I have requested consolidation of these loans so that the correct amounts are included and the forgiveness is applied for the years mentioned and the amounts included above.
Product: Mortgage

Flagstar mortgage did an escrow analysis on XXXX and then told me we are short two years of taxes. It appears in XX/XX/XXXX they used XXXX taxes to estimate but failed to do the same last yr. In XXXX they are claiming the bill wasn't available in XX/XX/XXXX so they went ahead and used an extremely low amt from XXXX taxes as an estimate. This is ridiculous that they can use an old estimate and now my payment has almost jumped 2x.
Product: Student loan

I refinanced both my Mohela and XXXX XXXX loans through XXXX. Mohela has failed to properly credit my payment to XXXX balance. I have called and spoken with people in person. I have faxed proof that XXXX has submitted payment in full on XX/XX/year> and they still have not applied the payment correctly. The loan servicer is not working to clear this matter up. XXXX at their customer service line provided me with the excuse that they have changed their mailing address for payments even though the address used is currently online on their website. I do not want to continue to accrue interest on these with Mohela therefore I have been advised to contact you.
Product: Mortgage

I have fallen behind on my mortgage payments. Recently, I submitted a loss mitigation application for assistance. When I called in today to follow-up on it, the representative at Carrington Mortgage told me that they didn't have time to process my application.
Product: Credit reporting or other personal consumer reports

I have not applied or authorized XXXX XXXX to pull a credit inquiry on my credit, on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

The account XXXX on my credit is reporting inaccurately and is causing injury to my financial and creditworthiness. I have disputed this item with the Equifax and they continue to report the debt. There is no Original Creditor listed, there is no contact information for the creditor, there is no way to verify this debt. I have disputed this debt on multiple occasions and it still reports inaccurate and missing critical information for me to properly contest it. There is no last date verified however it's showing last reported XX/XX/2024, who reported it? The FRCA demands fair and accurate reporting and this is far from that. I have attached XXXX of my most recent credit reports to show you the inaccurate reporting that continues although I have disputed this account multiple times.
Product: Credit reporting or other personal consumer reports

My account with CXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as 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 to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To : XXXX Experian XXXX Subject : Credit Dispute Due to Identity Theft My name is XXXX XXXX, and I am writing to formally dispute several fraudulent accounts and inquiries listed on my credit report. I have recently become aware that I am a victim of identity theft. Upon reviewing my credit report, I noticed multiple unauthorized accounts, inquiries, and debts that I have no knowledge of, as I have never Utilized my credit. 

The following items are fraudulent and should be removed from my credit report immediately : Auto Loan : XXXX XXXX XXXX Outstanding balance : {$4800.00} Credit Cards : XXXXXX/XX/XXXX : {$750.00} XX/XX/XXXXXXXX : {$470.00} XX/XX/XXXX: {$700.00} Hard Inquiries : XX/XX/XXXXXX/XX/XXXX As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that all of these fraudulent accounts and inquiries be removed from my credit report. I have never authorized any of these accounts or inquiries, and they are the result of identity theft. 

Please investigate these claims and provide written confirmation that these items have been removed from my credit report. I appreciate your prompt attention to this matter to help restore the accuracy of my credit file. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting

All XXXX credit bureaus, XXXX, XXXX, and TransUnion are reporting a state tax lien for me, dated 2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.
Product: Debt collection

I am filing this complaint against Aldous and Associates regarding their collection efforts for a debt with XXXX XXXX, which I do not owe. The reported debt is {$180.00}, but I have never had an account or any form of association with XXXX XXXX. Despite repeated requests to cease all collection efforts and to stop contacting me, Aldous and Associates continues to harass me daily via phone calls and emails. 

Details of the Issue : Aldous and Associates claims I owe {$180.00} to XXXX XXXX. I have never signed up for or held an account with XXXX XXXX. Aldous and Associates has reported this alleged debt to my credit profile, causing harm to my credit score. I have contacted Aldous and Associates on seven separate occasions to inform them that this debt is not valid and to request that they cease all collection efforts. Despite my requests, Aldous and Associates continues to call and email me daily, causing unnecessary stress and frustration. 

Resolution Sought : I request that Aldous and Associates immediately remove any reports of this debt from my credit profile. I request that Aldous and Associates cease all collection efforts related to this alleged debt. I request that Aldous and Associates refrain from further contact with me regarding this matter. I seek confirmation in writing that this matter has been resolved and that no further actions will be taken against me. 

Supporting Evidence : I have records of the calls and emails from Aldous and Associates. I can provide proof of my lack of association with XXXX XXXX  if required. I can provide details of my prior communications with Aldous and Associates where I requested that they cease contact. 

Impact on Me : The erroneous report on my credit profile has negatively affected my creditworthiness. The daily calls and emails are causing undue stress and harassment. 

Request for CFPB Action : I respectfully request that the CFPB investigate Aldous and Associates ' actions and take appropriate measures to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit card or prepaid card

XX/XX/2022 Auto pay through their mobile app I replaced the auto-pay feature w/new checking account info and it appeared no problem, went through. As an end-user I received nothing as so much an error notice or that I needed to contact them. Now 2 days later I am getting notices and late fees indicating my account is past due. Had to login again and do a manual payment, even when I login the app my payment info looks good w/the new account info. If they were unable to process my payment or I missed a cut-off time then it should have loaded in the mobile app as such so reasonable measures could have been taken. I would have called them on the spot had I been notified the new account draft info will not be processed. 

XX/XX/2022 speaking w/an agent trying to resolve ; seemed ok until I was put on hold for awhile only to be suddenly disconnected. Nobody has called me back. Now I have a {$29.00} check fee and credit report damage control to undertake.