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

Made a payment to my American Express Card on XX/XX/XXXX. The payment was for the total balance reflected on my credit card account, which I checked and paid online that day, and the TOTAL BALANCE of the account was {$18000.00}. Which I paid all of it. I then went on to put new charges in the account, and those new charges amounted to {$5500.00}. Besides these charges, I was charged a annual fee of XXXX and interest charges in the amount of XXXX. 

I use a feature called pay over time. In this feature, all charges over 100 dollars would be eligible to be payed at a later time, accruing interest agreed upon in my contract. 

To my surprise, when the next bill came, my minimal balance was {$3700.00}, over 50 % of my total new charges. In all my previous statements, even carrying high balances, my minimal payments never went above 1500.00, and never more than 10 % of the amount due. 

The more alarming thing is that the amount for the new minimal payment is almost exact the amount of the 2 purchases made at the same store : XXXX  XXXX. I made two purchases on that store in the amount of {$3700.00}. I am a first time XXXX  buyer, and I exercised my constitutional right to purchase two XXXX  and ammunition. At no instance the purchase was flagged, or any communication took place between myself and AMEX on any changes for my purchasing power or eligibility changes for the paying over time feature. 

In questioning American Express, they could not answer my question regarding what happens when I pay my balance in full. They " explained '' to me that making purchases after I payed my balance in full made their system apply my payment to the new charges, generating more interest. I profusely protested this, but they said that this is how the system works. 

So please help me. When a consumer pays a bill in full, what does that mean? To me, once I paid the bill in full, new charges were just that : new charges. I made a payment, on time in XXXX of XXXX, almost half of the new charges, and American Express says that my account is delinquent because I did not pay the " new '' minimal amount due of {$3700.00}. Amex is reporting this to the credit score agencies, are charging me interest that is abusive and I also have late fees in my account even though I paid on time ( payment was done on XX/XX/XXXX, when it is not due until XX/XX/XXXX. I have all documented. Please help me. As you will see in the statement from XX/XX/XXXX attached here, they do not zero my balance once I paid on XX/XX/XXXX. They considered all the charges of the month, despite the fact that I paid the balance in full on XX/XX/XXXX. And everything after that is a new charge from an account that was brought to paid in full with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account in litigation due to deception and predatory lending practices. Company found at fault. 

Account is also identified as an installment loan which is factually incorrect. The true account type for this account is a credit sale agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable.
Product: Mortgage

I recently agreed with my mortgage loan servicing company to short sale my home. It was the only option giving to me at that time. I was giving a contact agent ( XXXX XXXX ) at Fay Servicing , LLC. I have not been able to contact him at all after he told me that the best way to contact him was by email. In our original conversation ( the only contact I had with him by email ), he told me that he submitted it to the XXXX XXXX Department. It has been several weeks and no contact by either him or the XXXX department. I was also told that if I had a realtor that the agent should contact him for further directions and the handling of the sale of the home. To date, we have heard nothing from XXXX XXXX. We need contact from him, as I feel we probably could have sold the home by now. I also believe this may be a stall tactic to foreclose on the home.
Product: Credit reporting or other personal consumer reports

William Rush and Associates account number XXXX XXXXXXXX balance {$2500.00} According to law 15 usc 1692c ( C ) CEASING COMMUNICATION If a consumer notifies a debt collector that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained & disputed called and sent letters explaining that the account for XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$13000.00} are not my accounts. I do not know what else to do but keep letting you all know. Please delete these accounts.
Product: Debt collection

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX ( XXXX XXXX ) Account Number : XXXX Date of Charge-Off : XX/XX/year> **The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included.

It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Credit Inquiries Dear XXXX XXXX XXXX, I hope this message finds you well. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am writing to request the removal of all negatives items, inquiries from my credit report. As a XXXX XXXX I am often faced with challenges related to my financial decisions, especially when applying for credit. Unfortunately, I did not initially understand how to effectively manage my credit, which resulted in multiple inquiries that have now negatively impacted my credit score. Having since educated myself on credit management, I have developed a better understanding of how to maintain and improve my credit standing. To move forward with renewed discipline and responsibility, I kindly ask for the removal of all inquiries from my credit report. This will allow me the opportunity to start fresh and make informed financial decisions. Thank you for considering my request. I appreciate your understanding and support as I work to improve my financial situation Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XX/XX/XXXX, XXXX XXXX  Credit Report - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have only 2 open credit card on my account a XXXX XXXX XXXX and XXXX XXXX  both operating under XXXX XXXX XXXX and XXXX XXXX. 

under XXXX  card/ XXXX they are reporting multiple late payments I asked about htis on numerous phone calls and they told me they can not provide any information over the phone and I should dispute it with the credit bureaus. Why are they doing this I am not homeless with my XXXX kids sleeping in my XXXX because I can not get approved for an apartment because of these reporting incorrectly with no explanation! I called to have the remove from my credit and they keep telling me to dispute it and I am constantly going back and forth and they advise they made notes to their system. 

The second surge card is also reporting a lateness and I contacted XXXX finance they told me that I was never late but yet they are reporting this information This is an unfair practice and these are predatory cards that are {$300.00} credit limits with a XXXX to XXXX $ annual fee. they were the only ones to approve me after i had credit issues and I really appreciate that - but reporting incorrectly is truly disgusting. 

Also in my conversation with the XXXX card I advise please can I pay off the card and have the entire account removed from my credit because I can not have my XXXX children sleeping in my moldy XXXX any longer they keep saying they do not have any information to provide about the lateness reporting. 


I need these incorrect reporting off my credit even if that means me paying these balance sin full and have them removed i will do anything please!
Product: Credit card or prepaid card

I called capital one to close my account because they kept marking me as fraudulent and making me jump through hoops to use my card. They refused to close my account and refused to let me apply my points. After multiple refusals to close my account and apply my rewards someone finally closed it without advising me that doing so would cancel my reward points I was attempting to apply. The situation that caused this is capital one put my account on fraud alert three times in a row for the same charge. The first two times I jumped through their hoops and they told me to go make the purchase after clearing it. I did so and they blocked me again, escalating thier demands to verify my identity. Why would they tell me to make a purchase just to block me!? Eventually the state the only way for me to clear the account is to send a copy of my ID to them. At this juncture I paid the card off, except the reward amount I was expecting to apply, and repeatedly tried to close my account. They refused to apply my rewards and close the account repeatedly and were intentionally difficult. My other credit card with them has been working the whole time. One of their reps said my social security could have been hacked so they cant use that. But on my bank account and other credit card they were allowing normal validation methods and didnt need my ID. Lastly I called to let them know I got their letter threatening to close my account for cursing at them for lying to me and being intentionally deceitful. The representative refused to transfer me to a supervisor. She indicated she wasnt validated and couldnt transfer me and then started giving out PII. She then told me I am placing you on timeout hold when I pointed this out. I dont know what kind of company thinks they can put their banking clients in time out because they dont want to get a supervisor. Not a company I ever want to give my money to. Absolutely garbage!
Product: Money transfer, virtual currency, or money service

I reported to my bank ( XXXX ) that my card was used without my authorization. Turned off the card but my bank couldnt help me until the next business day XX/XX/19 then they tell me they cant help me until the transactions were posted. They do their investigation and come to find out my card Information was used to western union to two random people in XXXX. I know its fraud because the phone number they used to verify it was me has been disconnected for years & they used an email address I have never created or used. If the IP addresses are compared well see who is telling the truth. The scammer used a passport to receive the money.
Product: Debt collection

On the month of XXXX, a collection agency IC systems started reporting an open credit of {$290.00} from XXXX XXXX XXXX. This company has come out of nowhere and damaged my report for a service I havent had in years. Also, back in 2015 I paid XXXX XXXX off in full. Its been almost 3 years since I had service with XXXX XXXX and when I did have service they were paid in FULL. I return all equipment back to them the year of XX/XX/2015. All of my debt has been settled with this company years ago. I have never had an account with IC systems ever and they are damaging my credit. Also, this company is false reporting things to XXXX. This account does not show on any other credit bureau but XXXX   because it is false. I called this company multiple times between XXXX and XXXX, and spoke with representatives but no one can tell me why this account appeared. Also, this company has never sent me a statement saying why I owe this amount of money. This is effecting me with potential job opportunities and my current job with the city. Its also making my credit score lower as well which it hard for me to finance a new home and other things. I never had a debt with this company, and dont know how it came about. If this agency continues to report negative inquires on my report, I will file a civil lawsuit on this company. I will be contacting a lawyer to help me with this issue if its not settled.
Product: Mortgage

OnXX/XX/XXXX I pulled my credit report and noticed that Ocwen has not closed my mortgage loan even though they received {$130000.00} that paid off the loan completely. I notified them through email on that same day (XX/XX/XXXX ) and they responded on the same day that they received my email. A couple days later I received a letter from them that stated " credit reporting for each month is made by the third ( 3rd ) week of the following month. The loan will be reported accordingly forXX/XX/XXXX in the third ( 3rd ) week ofXX/XX/XXXX ''. Well the third ( 3rd ) week inXX/XX/XXXX has come and gone, and Ocwen has failed to report timely and correct information as they had stated in writing. Please see attached copy for Ocwens response. 
With Ocwen failing to provide true and correct information to the credit bureaus they continue to harm my family financially.
Product: Payday loan, title loan, or personal loan

This company calls me multiple times daily, once even interrupting me at work.
Product: Credit reporting or other personal consumer reports

XXXX. Inaccurate and Unverifiable Information The credit reporting agencies have reported inaccurate and unverifiable information on my credit report, including late payments and negative accounts. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit agencies be 100 % accurate and verifiable ( 15 U.S. Code 1681e ( b ) ). I demand the removal of all inaccurate and unverifiable information and request {$1000.00} per violation as damages for the harm caused by these errors. 

XXXX. Reporting of Child Support Payments The inclusion of child support payments on my credit report is a violation of my privacy rights under the Privacy Act of 1974 and the FCRA. Child support payments are not to be reported on credit reports as they do not constitute a permissible purpose under the FCRA ( 15 U.S. Code 1681b ). I request the immediate removal of all references to child support from my credit report. 

XXXX. Defamation of Character The reporting of inaccurate late payments and negative accounts, as well as the inclusion of child support, has caused significant harm to my reputation and financial standing. As a result of these errors, I have been denied credit and faced increased costs. This constitutes defamation of character, and I am seeking damages of {$1000.00} per violation, as provided under the FCRA ( 15 U.S. Code 1681n ). 

XXXX. Data Breach Concerns I am also concerned about potential data breaches that may have compromised my personal information, including my Social Security number. Specifically, I am aware of the XXXX XXXX XXXX and other recent breaches that may have exposed my personal information to unauthorized parties. I request that the CFPB investigate whether these breaches have contributed to the inaccurate reporting on my credit report and take appropriate action to protect my personal data. 


Charge-Offs as XXXX : XXXX IRS guidelines XXXX a charge-off is considered forgiven debt and is treated as income. As such, it should not be reported as a negative item on a credit report. The IRS requires that forgiven debt, such as charge-offs, be reported on a XXXX form as income, which is subject to taxation. 



XXXXXX/XX/XXXX account - Charge off XXXXXX/XX/XXXXCharge off XX/XX/XXXX - late payment XX/XX/XXXX- Charge off XX/XX/XXXXXXXX - Charge off
Product: Mortgage

The mortage company is saying that she start paying on XX/XX/XXXX. They merge with suntrust in which was the original owner of the mortage. She started paying this mortage since XXXX and the payment keeps going up. We would like to know what happen to the rest of the years, that calculated since XXXX.
Product: Credit card

This dispute is against AMEX for their unfair and deceptive business practices. I have been a cold-holder for more than 20 years with AMEX.

I have spent more than two and a half years trying to cancel my AMEX business card. I have paid late fees and been overly accommodating. With hours of my own time trying to get a cancelled card removed with no transactions hitting, I continued to be hit with late fees ( I have an open card with AMEX that I pay monthly but the cancelled card should NEVER have any posted transactions or interest. This is the last straw. In addition to paying late fees, AMEX sent me a statement that had an interest payment for {$5.00} due XX/XX/XXXX. This is an interest payment for a card that has been cancelled ( since XX/XX/XXXX ). 
This is financial harm and could negatively impact my credit score. I have attempted multiple times ( please verify this information with AMEX ) over the phone and now I have no resource except to submit to the Consumer Bureau.

Also noted, when I tried to dispute this today, I get a message that their online dispute is not available at this time ( screen shot below ). 
Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX File Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how its affecting my ability to work etc. 

Sincerely,