23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint against American Express for alleged wrongful debt collection procedures. I believe that American Express has engaged in unjust and and complex 9legal proceedings against me, including the issuance of garnishment orders, imposition of unexplained fees and charges, which have caused significant financial distress and violated my consumer rights. 
I will provide a summary of the issues i have encountered. 
1. Garnishment orders : American Express has initiated garnishment orders to collect on debt without reasonable attempts to negotiate a repayment plan. These garnishment orders have been issues without proper explanation and i was not afforded the opportunity to dispute the debt 's validity. 
2. Unexplained Fees and charges : American Express has imposed fees and charges on my account that lack transparency and clear justification. Despite repeated request for clarifications, i have not received a satisfactory explanation for these additional charges/costs. 
3. Complex Legal Proceedings : American Express has employed complex and confusing legal procedures in its debt collection efforts. These proceedings have made it difficult for me to understand my rights and options, further contributing to the stress and financial burden of this situation. 

I believe that American express 's actions are in violations of consumer protection laws and regulations, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ) and the Dodd- Frank Wall Street Reform and Consumer Protection Act.

I kindly request the Consumer Financial Protection Bureau to investigate this allegation and take appropriate actions to rectify these issues. Specifically, i am seeking : - A through investigations into American Express 's debt collection practices - Assistance in understanding and verifying the legitimacy of the garnishment orders issued against me - A clear breakdown of all fees and charges applied to my account - Enforcement of consumer protection laws and regulations to ensure fair and transparent debt collection practices. 
I am prepared to provide additional documentation and evidence to support my claims and facilitate your investigations. 
Also, i would like to mention about previous malpractice by Amex and complaint against it didn't stop them to do the malpractice. 

REFERECE Previous Complaint against Amex https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-american-express-to-pay-85-million-refund-to-consumers-harmed-by-illegal-credit-card-practices/ Please do not hesitate to contact me for any further information required. 

I appreciate your attention to this matter and your commitment to safeguarding consumer rights. I eagerly await your response and the resolution of these concerns and stop Amex to do malpractices mentioned above and previously complained. 

Thanks for your support and cooperation.
Product: Money transfer, virtual currency, or money service

Wells Fargo is charging what amounts to close to a 5 % fee on an international wire transfer that I sent today, XX/XX/XXXX. I sent XXXX XXXX  at a conversion rate of XXXX XXXX XXXX XXXX XXXX This represented XXXX  {$6700.00}. This transaction should have been XXXX  {$6400.00} for a difference of XXXX  {$240.00}. This should just be a flat international wire transfer fee. 
Additionally and potentially worse, they are quoting an availability date of XX/XX/XXXX. This is completely unacceptable and I feel that Wells Fargo is taking advantage of me. I have spent hours on the phone trying to work through they're automated options and I am frustrated with their useless phone system and customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Credit Report is reporting multiple fraudulent inquiries. 
XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

It started XX/XX/2022 bank of America I contacted them about the issue because the account was open under my maiden name and I didn't open the account they claim they were going to close account I still received mail about I have called several times and all they would do is put me on hold and would never come back to the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

XX/XX/18 opened account and checking account with usaa. Also applied for mortgage. Added tons of personal information from outside banks. 

XX/XX/18 tried to access account. Was told needed extra security. ( I have a fraud alert on my credit report ) called around XXXX EST. Spoke with someone. They said my account was locked. Said no other information except an alert saying will no longer do business with client she presumed it would maybe be from a fraud alert on my credit card. I just switched with my job my direct deposit which they told me would be approved for this pay check depositing Friday XX/XX/XXXX. 
Also- that the money in my checking account when opened would be mailed back via check within 30 days. After mentioning my DD she said that money would also be mailed back in 30 days. Crazy. Thats my rent. I just wanted to switch from XXXX to USAA she couldnt give me any more information or escalate my call.
Product: Debt collection

I have sent in documentation that this debt was paid and still have no answer nor will this company properly communicate with me. They hang up on me mid-sentence every time.
Product: Debt collection

I have read your response and as I stated in my complaint to Professional Debt Mediation in XXXX, Florida. Their phone number is XXXX. I was told one thing and now being told something completely different. I was told when I paid that {$400.00} I would not owe anything else. This debt is almost 4 years old. I am asking that Professional Debt Mediation remove this debt permanently from all credit reports. I am asking that you cancel the remaining amount of this debt, removing it from the credit reporting agencies, XXXX, XXXX, XXXX. This is the only thing listed as a collection on my reports and it's preventing me from getting me a place to live. I am homeless and no one will lease to me with this on my credit. I paid what I thought would be enough and at the time it was all I had but I paid it in good faith thinking this would be removed from my credit report. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my report from XX/XX/2021. I did not apply for credit or do any financial transactions that would have resulted in a hard inquiry in the month of XXXX. I called CapitalOne ( the inquiry is from CapitalOne ) and they said that there was no activity that should have resulted in a hard inquiry for me. I have no idea where this hard inquiry came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : OXXXX 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 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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate, XXXX XXXX XXXX  account number XXXX
Product: Credit reporting or other personal consumer reports

A student loan was taken out in my name without my permission. I found out when I received a bill in the mail in 2019 I went up to the school show my ID did my signature signing did an affidavit and reported it. I sent them everything they asked for and still having the runaround. With these people going on fire years is sad. I did a police report and all and they keep sending me the same paper to fill out to send back to them. Im not about to keep doing that they have all the information and now they asked me for my Social Security number. Dont feel safe give them my Social Security number. They never had it in the first place so they not gon na have it now.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX XXXX XXXX : Account number : XXXX. 
XXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card or prepaid card

Comenity 's online systems have been down for somewhere around two weeks. This means there is no reliable way to make online payments on their credit cards. People trying to make payments via the phone system and other methods are reporting on XXXX the money not being credited or coming out of their checking account multiple times. And yet, with all of this going on ... while they are not providing access to a reliable payment method... they are making collections calls to people who have missed making their payment! This is absolutely outrageous and can not possibly be legal. And the phone rep acted like they were doing me a favor by waiving the late fee... what about the days of interest I'm racking up by not being able to pay off my balance?
Product: Credit reporting or other personal consumer reports

It has came to my knowledge that my personal information was exposed in a data breach with Equifax. I have pulled up my credit report I have identified things on it that I don't recongnize. I have also contacted the credit card company regarding the debt they never sent me anything validating the debt at all. I called the credit card company they said that the debt doesn't belong to them anymore. I want this to be properly investigated.
Product: Debt collection

My information has been breached over 8 times in the last 6 years. I have debt reporting that the credit bureaus have failed to remove, has not provided any proof. I've only received corresponding letters with negative dispute results, responding the debt has been validated as verifiable. I have yet been provided any contracts within a timely matter resulting 60+ days at a tie. I've been disputing for years and now it has became a complete burden to my livelyhood.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/year> Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reappearing on my account for some years now. I have made several attempts to resolve this issue and this issue still has not been resolved. I have also contacted each credit bureau and this issue still has not been resolved. 

Under the credit reporting laws this is to be removed from my credit report. I have sent 609 Letters a total of 6 times. 

This is a old resolved and closed account, If the collection agency does not have a reason to report this to the credit bureaus it should be removed. If they do see that it is an accurate credit reporting, I have been asking for all supporting documents be sent to XXXX. 

Lendmark Financial Account # : XXXX Date Opened : XXXX Account Status : Closed 1st Letter : XXXX 2nd Attempt via dispute online : XX/XX/XXXX 3rd Letter Follow Up : XX/XX/XXXX Final Attempt : Called all Bureaus and Company and I received no help with resolving this issue.
Product: Credit reporting or other personal consumer reports

Title 15 of the United States Code ( 15 USC ) section 1681 outlines the right to rescind under the Fair Credit Reporting Act ( FCRA ). This provision allows consumers to dispute inaccurate or incomplete information on their credit reports and request corrections or removal of such information. The right to rescind ensures that individuals have a means to protect their credit information and financial reputation. 

I have uploaded information about this creditor XXXX it was removed before and was put back on my credit profile by law that is illegal for them to do that.
Product: Mortgage

I did the XXXX program. I was suppose to get XXXX to XXXX dollars for not missing a payment. Once I made my next to last payment. Wells Fargo sold my account and kept my XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries were never authorized on my Equifax report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

The basis for my dispute is Capital One '' XXXX was required to notify me prior to XXXX, or no later than XXXX days after The basis for my dispute is " Capital One '' Capital Onewas required to notify me prior to XXXX, or no later than XXXX days after furnishing the negative information to credit bureau reports, in writing ... under such section 623,  subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation you complied with this requirement, which is a violation of the FCRA & FDCPA. 

Also, Capital One failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC , and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve Capital One is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under TDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Prepaid card

am writing to express my extreme dissatisfaction with the handling of my dispute regarding unauthorized charges on my account. Around the end of XXXX my wallet and phone were stolen, and as a consequence, unauthorized charges were made on my provider 's card account.I promptly reported the theft to both law enforcement and your company on XX/XX/2023. Despite providing all necessary documentation, including a copy of the police report and any other requested information, the issue remains unresolved.I have attempted to resolve this matter through your customer service department multiple times, but regrettably, the issue persists. 
The unauthorized charges continue to affect my financial stability, causing undue stress and inconvenience.I am requesting a thorough investigation into this matter and an immediate resolution to remove the unauthorized charges from my account. 
Additionally, I kindly request a detailed update on the progress of your investigation and a timeframe for its resolution.If this matter is not rectified promptly, I will have no choice but to seek further assistance from relevant consumer protection agencies or legal counsel. 
I urge your immediate attention to this matter and request a resolution of a full refund at the earliest convenience. 
Please contact me at XXXX to discuss this issue further. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Noticed there were several hard inquiries I did not authorize on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dear Equifax, On XX/XX/XXXX XXXX I submitted a request for investigation under FCRA 611 ( a ) to Equifax regarding the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In response , I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Equifax has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. 

Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Equifax delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that Equifax provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. 
I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Equifax. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013  ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Equifax will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX
Product: Prepaid card

I purchased XXXX XXXX XXXX card ( issed by incomm, XXXX ) for XXXX with {$500.00} each. They just freeze my money for no reason ( the rep told me that it is a random check ), and ask me to provide additional information to unfreeze my money.
Product: Debt collection

I am reaching out to address a concerning matter regarding my credit file. I've noticed a collection entry from your agency that has raised my concern, as I was not previously notified about this collection. Moreover, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I am entitled to request validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate actions to resolve this issue.