23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a credit card issued by American Express. I subscribed to an online streaming service based on a monthly fee using my American Express card. The service was subject to a Free Trial period. I cancelled the service within the Free Trial period. The merchant cancelled the service but charged me for a full year of the service. So, I don't have access to use the service but was still charged for the full year. I opened a dispute with American Express and provided documentation supporting my dispute. The merchant also provided a response to the dispute. American Express found in favor of the merchant ( XXXX XXXX XXXX ) and sent me a letter containing the merchants response and asked for additional information from me to re-open the dispute. 
The problems : 1. I already included the information they requested when I opened the dispute, but I did provide the information again along with more detail.

2. I read the response from the merchant and it was filled with discrepancies and fraudulent. It is easy to see this if you read through the response in detail.

American Express reset the dispute in their system to status of Unsubmitted and it would have been deleted from their system in XXXX hours had I not caught. I contacted American Express by phone and asked them to explain why they reset the dispute and they could not give me a reason. I then asked if they received my documentation and they said yes. So I asked to discuss some specifics of the documentation and they could not. It then became obvious to me that the lost and never read the documentation I provided and I dont believe they read the response from the merchant either. If they had, they would have seen the same fraudulent discrepancies that I did. The merchant is based in a foreign country and has numerous complaints on the BBB for doing what they did to me. 

I do not believe that American Express is fulfilling their fiduciary responsibility to protect their customers against fraud and theft. At least not in my case. I will attach more information to this complaint.
Product: Credit reporting or other personal consumer reports

LexisNexis Dispute Department, I am writing to formally dispute the bankruptcy reporting associated with my name and identifications. I t has come to my attention that LexisNexis is reporting this bankruptcy, which I believe to be inaccurately attributed to me. Under the Fair Credit Reporting Act, ( FCRA ), I am requesting that you verify whether this bankruptcy is correctly matched to my personal information. As you are aware, the FCRA requires that all the information reported by the consumer reporting agencies be accurate and verifiable. If you can not prove documentation proving that this bankruptcy is accurately matched to me, it is your obligation under the law to immediately delete this information from my file. Inaccurate or unverifiable information must be removed within 30 days of my dispute, per FCRA guidelines. Failure to correct or verify this information constitutes defamation of character and identity theft. If you fail to act, your willful non-compliance will cause me no choice but to pursue legal action. Please update me with the results of the investigation and immediate deletion. I would also request you contact the credit bureaus ( XXXX, XXXX, XXXX, XXXX ) and have the entry deleted from their records as well immediately.
Product: Debt collection

this company which has already received multiple harassment complaints XXXX XXXX has contacted my ex wife whom I have n't had communication with since 1990!!!!!!!!!!!! my ex brother in law frequently and daily whom I have n't seen in 9 years!!!!!!!!!!!!!!!!!! and leaving threatening messages regarding legal action!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Report, I identified discrepancies regarding late payments reported on accounts where I have consistently maintained on-time payments. I rely on Consumer Reporting Agencies to ensure the accuracy of my financial history, as it reflects my commitment to responsibly managing my obligations.

The accounts in question are as follows : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account XXXX XXXX  Account Number : XXXX I respectfully request a detailed investigation into these discrepancies. If there is evidence to substantiate the reported lateness, such as account statements, I kindly ask that it be provided. However, if no such evidence exists, I demand these accounts be updated immediately to accurately reflect my consistent, on-time payment history. I've reached out to the Creditors and the Bureaus to have these payments updated and removed but nothing has changed.
Product: Credit card

I am now receiving this letter in the mail that my account is closed. This whole situation has been stressful and really shows how lack-there-of this company is in regards to it's card holders. If you see my attachments to this complaint, I followed the request of the card company and sent in my proof of bank statement in the mail to the address provided from their previous letter requesting this document of proof. I have attached the tracking and receipt, I had to pay over {$10.00} to send this in the first place and now because they give a very short time for response and mailing time that is not realistic, my account is being closed? I have never missed any payments on this card before and this is how I am to be treated? I believe I am being discriminated against and I don't know why.
Product: Credit reporting or other personal consumer reports

I've asked Equifax to do an reinvestigation on the false information on my credit report fix it and send me a copy according to FCRA. they said they did a investigation, indicating they never investigated pryor to my asking which is a Consumer law violation. I have not received a copy until today.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX XXXX reports my FICO score is XXXX. XXXX  then pulled the information from XXXX XXXX and Equifax. XXXX XXXX report at my FICO score as XXXX and the number had not been updated since XX/XX/XXXX. Equifax report of my credit score is XXXX and that information also had not been updated as of XX/XX/XXXX. Last week I went ahead and got a free copy of my credit score from XXXX XXXX and my score dropped to XXXX. There is NO reason for my score to drop to XXXX because weve had on time payments for almost 2 years. The problem is were trying to refinance our mortgage and this is Greatly hindering us. We had a really bad financial crisis from XXXX to XXXX. Weve had to settle debts and have worked hard to get a scores back up. XXXX  is the only agency that has raised our score considerably. Based on the information that XXXX  got from XXXX XXXX and Equifax those two score should be considerably higher too. XXXX XXXX is not and has not been updating our score accordingly. Therefore we have not been given credit for our on time payments which is keeping us from being able to refinance our home and lower our payment so that we can expedite paying off the rest of our debt. I feel that XXXX XXXX, whatever their model, is designed to keep people from progressing. The system is very flawed and it keeps people in a state of being poor. They can never progress or get better because companies like XXXX XXXX wont allow them to! So I would like an investigation done into XXXX XXXX & Equifax as to why our scores are so incredibly different than XXXX  when weve worked really hard to get our score back up, and we continue working hard to settle and pay our debts so we can be in a better place. There should be a lot more oversight on these credit bureaus. I filed a dispute with XXXX XXXX I never got a notification saying the dispute was settled in suddenly my score went from XXXX to XXXX. But that was after I told them that our mortgage servicer had deleted all of the missed payments. Until then no matter what we did our score never budged and that is a great cause for concern. Also I would very much appreciate it if you could send me some thing, some sort of law that specifically says that the credit bureaus are REQUIRED to report my bankruptcy for up to 10 years. The Fair Credit Reporting Act says that they May. I would like to get that removed in XXXX of this year. So I need some thing that says that they are REQUIRED by law to report. Because as far as my research has shown there is nothing that says if they are REQUIRED by law, it simply says that they May. Please provide the source, or cite the source thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently mailed dispute forms to both XXXX and Experian about the incorrect status of my student loans. My loans appeared to be charged off or in default but they are supposed to be in forbearance, due to an ongoing class action lawsuit. I also included the proper documentation to prove this information. Instead of updating my credit score to reflect the wrongful reporting, both XXXX and Experian dropped my credit score further more. XXXX dropped my score 70 points while Experian dropped my score 13 points. XXXX updated my credit report and deleted the faulty reporting.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. he also violated the Privacy act of XXXX  and higher education act which governs student loan privacy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Bank ) XXXX XXXX, 2024 XXXX XXXX XXXX Bank ) XXXX XXXX, 2024 These inquiries are fraudulent I do not own any chase nor XXXX XXXX XXXX  besides authorized users in which I didnt not apply please delete immediately My information may have been impacted by the XXXX XXXX XXXX XXXX XXXX and may have got into the hands of the wrong person 15 U.S. Code 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 ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) 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 Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Checking or savings account

On XX/XX/2024 I received a check from the department of treasury. I got injured from work and this is my first check that I got from the department of labor. I went on the same day XX/XX/2024 to deposit to my checking account at the ATM. The next day I tried logging into my account to see if the funds were available and it wouldnt let me log into my account. I called BMO Harris Bank customer service number and they told me I needed to talk to their fraud team. I proceeded to speak to the fraud team and they told me they froze my account and I cant take any funds out until their investigation is over. They said they have to verify the check if its real and it could take up to XXXX business days. Remind you this is a check from the department of treasury. I confirm the check was real but their answer was I understand, but this is our policy even when I told him theyre breaking Regulations CC rules. I havent been able to take money out this entire time since my account is frozen. As of XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX I ( XXXX XXXX XXXX ) attended University XXXX XXXX. I graduated with an XXXX XXXX and continued my education there, in efforts of achieving a Bachelors in XXXX. 

I currently have a few debts owed to the XXXX XXXX XXXX organization that has been sent to creditors. I have had trouble paying the amount of {$85000.00} ; this has impacted my credit report. 

I recently hire some legal aid to assist me with disputing to XXXX, Equifax and XXXX and other creditor about removal so that those loans don't impact my credit score. I have been told by my personal Legal Agent that over 7 years would enhance my odds of having them removed so they don't impact my credit score. It has also been suggested that I contact your organization about this issue and having the XXXX XXXX removed from my credit score so I may continue working to improve my score. 

I am discussing arrangements now to repay the loans with the creditor these loans have been sent to. 

The legal aid service pursuing this claim is call XXXX XXXX - they have sent some notices and recently escalated this issue since it has been seven years and although we have reach out to national creditor services like XXXX, Equifax and XXXX they have yet to respond in our favor
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the errors and false misleading information fro individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items
Product: Debt collection

I recently sent a letter to Department of Revenue regarding me not receiving my state taxes. I submitted documentation stating I do not own any monies to Department of Revenue. Then all of sudden get this letter from a PennCredit regarding vehicle taxes never register my car for a different state.. I think this is a fraud please help I have supporting document ... 
XXXX XXXX XXXX XXXX, PA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered some unauthorized inquiries on my credit report this morning, and I have no idea why theyre there. When I checked my report as I usually do, these discrepancies suddenly appeared. I even refreshed my browser to ensure it wasn't a technical glitch, but the inquiries remained. Im extremely frustrated with this, and I need my documents reviewed properly to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

am writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. 

Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : NEGATIVE 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 card or prepaid card

I opened a MasterCard with XXXX brand.  I’ve had this credit card since XX/XX/2019. They gave me a credit line of $XXXX.  I’ve been making payments timely and using the credit card.  Just this month, I found out, after I made a payment of XXXX XXXX XXXX on a minimum payment of XXXX XXXX XXXX XXXX XXXX, they lowered my credit line from $XXXX  to $XXXX, without my knowledge.  When I called to speak with their credit team, the customer service rep stated that I was not allowed to speak to anyone.  I wanted to know why.  The customer service rep stated it was because of my XXXX score.  My XXXX score is now being effected because they lowered my credit line, yet I’m still making high dollar payments.  You can see that I’ve been making 3 times the minimum payment, yet XXXX credit card lowered my credit line which is now causing my credit score too stay low as well.  I’m concerned that now that I’ve stopped using the credit card, they will close my account and force me to pay up front or destroy my credit that I’ve been working to increase. I’m filing this report to make them accountable.  If they didn’t want me to spend the money, why did they allow me access to $XXXX???  I’m extremely worried that they will come after me by ruining my credit and expecting me to pay upfront all at once.
Product: Credit card or prepaid card

The auto payment system of Bank of America credit card is misleading to customers. The auto payment system has 4 options : Pay Amount Due - Pay Minimum Amount Due - Pay Account Balance - Pay fixed amount. 
I selected Pay Amount Due option to pay total amount due monthly. For my surprise, I discovered after months that the auto payment system was paying the Minimum Amount due not the total amount due. An interest charges of {$340.00} has been accumulated for 8 months. There was always enough balance in my checking account to cover my credit card due amount. When I called the BOA customer service, they informed me that there is no difference between pay amount due and pay minimum amount due options and both of them will pay the minimum amount due!! 
When I asked them to refund the interest charges, they didn't approve it. 
Unlike in my other account at XXXX XXXX XXXX, the auto pay system has 3 options only ; Minimum Payment - Statement Balance - Fixed Amount. They don't have the misleading due amount option. 
When I XXXX the internet with " bank of america amount due confusion '' phrase, I discovered that It was not only me who got confused by this misleading option. Actually, there are many complaints against BOA on websites like XXXX, XXXX and others regarding the misleading amount due option. Some of the complaints claim that BOA is intentionally confusing customers to profit from interest charges. In addition, there is a lawsuit XXXX v. Bank of America, N.A filed on XXXX XXXX in NJ for exactly the same reason.
Product: Credit card or prepaid card

XXXX 2016 I made purchase with a XXXX down on original purchase of XXXX. Apparently this qualified for deferred interest. I had to return item from this original deferred to a balance of XXXX. In the midst of there statements which are incorrectly billed. The deferred was incorrectly displayed as they made changes and changes to the deferred program I believe to confuse or misguide whatever was going to pay the deferred amount. Well I paid the deferred amount and they apparently say that I have not and decided to bill be XXXX in interest for a deferred I paid already. Starting with XXXX dollars which is deducted from XXXX. The statements show incorrect deferred amount which lead to believe. That credits were not applied correctly so they can come back charge XXXX $ I do n't owe. I have clear record of paying well over minimum and there should be no deferred amount owed. This big lots credit card has Incorrect and mistaken information computed. I spoke with them and apparently they do not look at there own statements to see how wrong the wordi g and information provided is not transparent and unbeliebeable how this practice is allowed to date. They have been contacting via email about offers and new card that have not yet seen I refuse to do business with company who practices deceptive billing practices so that no matter what the consumer does in bringing down down balance in good faith is just not enough. They know I know that it was wrong and they are trying to please me with offers I do n't need or want from them. The original purchase was for XXXX and I retired item in the amount of XXXX leaving a balance of XXXX. Where is the clarity. The receipts clearly show the return but added a separate purchase to the deferred. This is where it 's wrong after backed out of the deferred plans over and over again. I was hard to figure out how my payments were being distributed. Clearly after making XXXX $ in payments that the deferred was covered.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you