23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX XXXX, I have received American Express Card number ended with XXXX I have used it XXXX time in XXXX XXXX on XXXX XXXX  for {$6.00}. 
the Annual fee was high {$150.00}. 
On XX/XX/XXXX, while I was traveling, I called the international Customer service line ( XXXX XXXX XXXX ) and asked the lady on the line that due to a high annual fee is it possible to cancel the card and refund the {$80.00} payment I made at that time She said yes and you should get a refund of {$80.00}. I was happy at that time, and I have asked her to send me E mail Confirmation. 
and she did Below is a copy of the confirmation. 
___________________________________________________________-___ XXXX XXXX This message is to confirm that American Express has processed your recent request to cancel the following Card account ( XXXX ). 
XXXX XXXX ending in XXXX If you have other Card accounts registered for Manage Your Card Account online they will still be available online at americanexpress.com. 
_____________________________________________________________________ then after XXXX week I called. Customer Support XXXX XXXX XXXX XXXX requesting the fee refund. 
the lady on the line told me that refund. should be send if you cancelled within 30 days. 
then I asked to reactivate the card and I will pay the fees since I have been misinformed, they refuse to reactivate the card or pay the refund. 
not only that I have received a late charge and interest, I have spent a lot of time chatting and calling by phone with support with no resolution I have opened a complain case # XXXX I have asked for E mail confirmation for the case but they refused to do so. 
Now I'm still receiving statements for late charges and interests for a service i did not use only once. for a mistake that the support did, I'm XXXX  year 's senior citizen and I am very frustrated by this way American Express handled my case.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 XXXX AND XXXX 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. 

XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to authorized this inquiry XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to authorized this inquiry XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to authorized this inquiry XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 15. Mistaken Identity /does not belong to me XXXX Account Number : XXXX Please remove this form my Credit report 16 Mistaken Identity /does not belong to me XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this form my Credit report 17. Mistaken Identity /does not belong to me XXXX XXXXXXXX Account Number : XXXX Please remove this form my Credit report 18 Mistaken Identity /does not belong to me XXXX XXXX Account Number : XXXX Please remove this form my Credit report 19. Mistaken Identity /does not belong to me XXXX XXXX  Account Number : XXXX Please remove this form my Credit report 20 Mistaken Identity /does not belong to me XXXX XXXX XXXX Account Number : XXXX Please remove this form my Credit report
Product: Credit card

Someone hacked the credit card I have with this institution. When I made the claim, it took more than 90 days to investigate. And now I am under investigation on my credit report because during the period in which the fraud was being investigated, the institution reported that I did not make the corresponding payments. When I didn't have to do them for research. In addition, they did not pay the interest that the fraud generated.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Name : XXXX Account name : XXXX XXXX XXXX Account Name : XXXX
Product: Credit reporting or other personal consumer reports

I have recently discovered that my social security number has been compromised, and I am taking immediate action to resolve the issue and prevent any fraudulent accounts from being created in my name. I have placed a notice on my credit report, instructing not to open any accounts without first contacting my personal number to verify my identity. I did not authorize them to perform hard inquiries on my credit report. GLOBAL LENDING SERVICES on XX/XX/202XXXX XXXX
Product: Credit reporting

On XXXX, I initiated a dispute with Experian via Certified Mail with Signature Confirmation, concerning several items that are being reported inaccurately as a result of Identity Theft. Experian is aware of this issue as I had a fraud alert that was placed on my account by the XXXX credit bureaus a few months ago after I discovered that my identity had been comprimised. I sent over a police report with details of the incident leading to the identity theft, which led to an extended fraud alert being added to all of my credit bureau reports. I have since had the alerts removed voluntarily since I have signed up for credit monitoring and am now actively monitoring my reports. XX/XX/XXXX, Experian sent me a generic form letter that did not address my request for an reinvestigation into the inaccurate accounts being reported or the manner in which they were verified, or any other information that I am entitled to under the FCRA laws.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a non-disclosure, opt-out letter to XXXX XXXX XXXXXXXX XXXX . Despite this, the company persists in violating my rights under the Fair Credit Reporting Act by disclosing my nonpublic personal information to nonaffiliated third parties. This ongoing violation is having detrimental effects on various aspects of my livelihood.
Product: Debt collection

This account has been re-aged and somehow added back on my account. After sending my dispute in the mail now I tried to request for a compliance check on transunion website but it would not submit my information. They are reporting addresses that i have before requested to be removed. They are reporting inaccurate information. i am submitting my letter with this complaint in regards to the addresses that i am demanding for removal as well as a collections account by XXXX and a couple of employers and phone numbers listed.
Product: Payday loan, title loan, or personal loan

This company called me about a loan debt I did not get the money was supposed sent to an account ending inXXXX. I would like to report indenty fraud the loan was said to be XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Prepaid credit card, can not owe money I funded myself. This was suppose to help my credit score but it hurt it more. The account was closed and no longer utilized FCRA 15 U.S.C. 1681 Section 602 : I have the right to accuracy and fairness of credit reporting
Product: Credit reporting or other personal consumer reports

Please read my complaint thoroughly. I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my XXXX XXXX being low with all these wrong information.
Product: Debt collection

Continued attempts to collect debt that is not owed. I have never done business with this company and I have no idea who this company is. The right of subrogation does not exist for a stranger to this transaction. 73 AmJur 2nd, Section 90.AD Astra is a 3rd party collector and is not on the original creditor contract that was mailed to me recently. I have not received any documentation from AD Astra stating that they purchased this debt either. Once again, I did n't receive written notification prior to this collection being placed on my credit as the address that you all have on file is one that I have never lived at. By law, I have to be notified of my right to dispute this debt. If this account is not removed, I will be reporting this to the BBB once again along with the documentation showing that I do n't have a contract with AD Astra.
Product: Checking or savings account

Early warnig reports was over XXXX {$2000.00} when i actually out! With loans, from 21diff. Member numbers. XXXX XXXX, had a few acc. XXXX XXXX HAD a few accounts, XXXX XXXX, but BoA was th re common denominator in alot of the situations. And quite afew more small different banks. Looked like alot of monry launtering going on. I told XXXX she gave them 3 different birthdates on the 3 arrest while i filed charges for the aggrivated assault charges.. and she used the same lawyer i had XXXX XXXX which was conflict of interest. And i wasnt even called about the case. And XXXX helped put me out with my birthcertifiate, ssn ( card ), and an original. XXXX. I was never given access to the mailbox and her and the postal wrker was on first name basis.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to mandate the removal of any incorrect accounts from my credit report. Could you please verify this by checking the documents? Some of the listed accounts inaccurately report amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is NOT updated to reflect my credit standing... PERIOD! 


Complaint Department - Credit Score Accuracy EXPERIAN XXXX XXXX XXXX XXXX TX XXXX I am writing to dispute the Credit Score Data on my credit report is inaccurate, and NOT updated correctly as the FCRA detail and the State of Washington Consumer Credit Reporting Acts also details. According to FCRA under Title 15 Commerce and Trade, Section 1681, None of my information is being updated as True, Accurate, or with prompt relevance. Your Agency is in direct violation of the FCRA and the WACCRA.

SUBCHAPTER IIICREDIT REPORTING AGENCIES 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. ) Your Agency has failed to update my Credit Score appropriately and within a reasonable amount of time. Therefore, I am tendering this letter as a FORMAL NOTICE to correct that discrepancy and ERROR within your system. I will be tendering this information to the FTC and other Federal Organization to review your practices and correct this inaccuracy.

Enclosed are copies of other creditor Score Monitoring Sites, that quite plainly show a more accurate picture of my credit score and worthiness. Why your Bureau is so lack luster on updating information remains a mystery and is an FCRA failure on your part.

Please reinvestigate this CREDIT SCORE Reporting issue and your INACCURACIES PROMPTLY and correct this information in accordance to the FCRA Federal Rules. I WILL expect a favorable response from your Agency regarding this issue. Tender a Formal letter in response to the address listed above.
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 16811 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not fumish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit card

After I paid off my capital one credit card two days later they charged me with {$88.00} and when I called them for the closing of this account they refused until I pay the amount of {$88.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A company with the name XXXX XXXX XXXX XXXX , XXXX got a BUSINESS credit card from XXXX in XXXX, for which I signed a personal guarantee. 

The company could not afford to pay the card any longer so I would have to pay the dues. 
I send a letter asking regarding this matter on XX/XX/XXXX to XXXX and got a respond XX/XX/XXXX!! About six to seven weeks later!! That is an error on the side of XXXX!! 

Obviously i stopped paying the dues at that time since I did not know if I would be liable or not. 

In XXXX, XXXX went to the credit bureaus and reported, one sided, that this account ending in XXXX was past due and now closed. This without any contact with me. My credit score dropped 150 points!! My payment record history is excellent. 

This case went on, after many phone calls and letters to the executive office of XXXX in Ohio to no avail in XX/XX/XXXX. Till today, XX/XX/XXXX case is not resolved. 

My request to XXXX is simple : Write a goodwill adjustment letter, send it to the credit bureau and i will not only pay the overdue portion, i will pay the card off in full in one shot {$24000.00}. The money is in my bank account at another bank so i have no problem to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 2 debts being reported to all 3 credit bureaus from XXXX XXXX. I have disputed these charges. There are 3 accounts and I only had one account with XXXX XXXX, which was paid on time and paid off in full. The other 2 says charge-off, delinquent. I have disputed these charges. This was fraud/identity theft. I contacted XXXX XXXX about this and they refuse to show me where I signed for these other 2 loans. It keeps being on my credit report as being accurate. The amount showing is {$750.00} past due as if XX/XX/2020. I contacted World Finance again and spoke to XXXX on XX/XX/2020 and she informed me that if I pay {$200.00} that XXXX XXXX would remove this debt from credit, although this is not my debt, so I sent XXXX XXXX a check for {$200.00}. I informed the credit bureaus of this and sent the credit bureaus the letter, and the cleared check for {$200.00} that I sent XXXX XXXX. It still remains on my credit report.
Product: Credit card or prepaid card

I received a pre-approved card offer from PNC Bank in the mail without a way to opt-out anywhere on the mailing. PNC Bank insisted that it was on the mailer, then said that a 3rd party was responsible for the mailer,  then said it must have been a misprint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ( collection ) account? has been reported to Experian as well as other CB 's as being delinquent {$270.00} as recently as XX/XX/XXXX for a debt incurred from affiliated hospitalists in XXXX the only issues that I have with this is XXXX ) I was not in XXXX XXXX Az at that time and 2 ) should I have incurred ANY medical bills ANYWHERE in this country, They would have been covered by MEDICARE as I was on Medicare as of XX/XX/XXXX. I have called the collection agency trying to get this straightened out and they do NOT even have my name in their collection files. Which leaves EXPERIAN stating that they VERIFIED info. Please explain to me how this is done then? I know credit quite well and EXPERIAN as well as XXXX XXXX are Lying to everyone about my credit.
Product: Checking or savings account

I opened an account with truist Bank online with there {$400.00} opening deal. Everything went fine signing up, deposit {$50.00} and got confirmation and was able to use the app for couple days before they locked it. I called the number on app and some deep accent foreign dude couldn't help me at all and told me call fraud department, I then called them to get report from them XXXX XXXX XXXX. I see what went wrong got a letter stating they close my account and they send me a check of my funds after 10 business days, that I accidentally trashed from anger but it never recieved. I called again again foreign accent that hard to understand but kept getting run around no help, call XXXX XXXX XXXX and they tell me it the bank that needs to give Me my funds. My last call was 2 days ago, a lady picked this time again can't help and says my account looks still open but I need to call this number XXXX which isn't even banking it was talking about purchasing equipment when I picked customer service. My account still locked, closed for what that letter says and they won't give me my {$50.00} back, I just want to be done with this.
Product: Debt collection

During the time I resided at my previous apartment ( XXXX XXXX ) I set up my account with XXXX XXXX and after my lease ended the apartment complex attempted to collect a balance of {$280.00} for electricity serivces