23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ATTN : American Express XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CC/ CFPB Dear Sir/Madam, I am writing to express my deep concern regarding the recent actions taken by American Express concerning my credit card account. As a consumer, I believe that my rights under the federal Equal Credit Opportunity Act have been violated.After my credit card application was approved and I had already made purchases totaling {$6900.00}, I was surprised to find that my account was frozen and that I was being asked to provide income verification. While I understand the importance of financial responsibility and transparency, I believe that freezing my account after approval and requiring me to disclose sensitive financial information such as my bank account balance goes against the principles outlined in the Equal Credit Opportunity Act.I am offended by the implication that my ability to manage credit is contingent upon disclosing personal financial details beyond what is necessary for the application process. Requiring me to call my bank and verify my account 's ending balance is not only an invasion of privacy but also a violation of my federally protected consumer rights.I kindly request that American Express rectify this situation promptly. Failure to do so may compel me to escalate this matter to the Consumer Financial Protection Bureau and the Securities and Exchange Commission. I trust that American Express will take the necessary steps to resolve this issue and uphold its commitment to fair and equitable treatment of all its customers.Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. Lastly I would like to advise that I have sent a notarized copy of this letter to the above address as I am also requesting a response to this notice in writing. 



AS OF TODAY XX/XX/24 MY ACCOUNT HAS BEEN CANCELED DUE TO THE RETALIATION OF ME FAILING TO DISCLOSE MY ENDING AND BEGINNING ACCOUNT BALANCE I AM AWARE OF THIS BEING A COMPLETE VIOLATION OF MY PRIVACY RIGHTS AND THE EQUAL CREDIT OPPORTUNITY ACT
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable
stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Product: Checking or savings account

I have had a checking account with 5/3 Bank for 5 or more years. In XX/XX/2020 my local branch was closed and there is no longer a branch close to my home or business so I opened a new account with XXXX XXXX and transferred all of my money except about {$50.00} out of my 5/3 account. On XX/XX/XXXX I sent a secure message through the 5/3 website requesting that the account be closed and remaining funds be mailed to my address of record. 

I also called the toll free customer service number but was never able to speak with a representative after being on hold for over 30 minutes. 

Since then, the account has still not been closed and it is accumulating service fees on a daily basis. I have tried calling several times and have been unable to reach anyone. Finally on XX/XX/XXXX I was able to speak with a live representative at a call center, but he told me I would have to go to a local branch to close the account for security reasons. 

I am unable to visit a local branch because the branch where I conducted business has been closed permanently. Also, all branches are currently closed and only offer drive through service. I have tried multiple times to call the XXXX NC branch to speak with a banker and no one ever answers the phone. I have left multiple voice messages and no one has ever called me back. I tried calling them again today and there is no longer an option to leave a message. 

As of today my account balance is - {$310.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on its platform, leaving my account vulnerable and unprotected. Furthermore, its dispute resolution process was unfair and deceptive, as it did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

These actions have caused significant inconvenience and financial loss, and I would like to find the appropriate redress + for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

You didnt conduct a investigation so escalate this issue to the HIGHEST DEPARTMENT... You are a Federal Government Agency. You keep saying this information accurate... I provided you with proof of the inaccuracies in past cfpb complaint with evidence. How in the XXXX is this information INACCURATE? The XXXX Date Opened XX/XX/2018, XXXX XXXX XXXX XX/XX/2018. The Account Status on XXXX says Closed, XXXX XXXX XXXX says PAID... Which One is it? Lets Talk more on your violations, Payment Status on XXXX XXXX XXXX says Current. Payment Status On XXXX states Late 150 Days... This is straight up XXXX XXXX .... Lets do you XXXX job by correcting or delete... I will speak to my State Attorney General about your violations you are committing under federal LAW by FCRA ACT. You are furnishing this inaccurate information... PLEASE LOOK INTO THOSE ATTACHEMENTS WITH PROOF OF EVIDENCE OF MY CREDIT REPORT. LETS FIX THIS BEFORE I ESCALATE THIS ISSUE... READ THE ATTACHMENTS AND INVESTIGATE CARFULLY...
Product: Debt collection

Trident asset Management says I owe them a balance of XXXX . However, I did not make this agreement with them. My identity was theft due to XXXX breach.
Product: Mortgage

An initial assumption package was submitted by new buyers to the assumption department of United Wholesale mortgage via email on XX/XX/. I'm currently the owner with my partner and we feel we are being spoken to and no progression has been made. 

after the initial contact and confirmation that the package was received on XX/XX/XXXX  there has been no additional communication from UWM in regards to the next steps in the process. There have been no request for income documentation or anything for that matter. it has been 70 days with no further action seems very excessive. 

when i call in the response is always the same. it has been received and it can time to review. I sent in a email for the department to escalate on Thursday, XX/XX/XXXX and when i called in the next day i was told i would take 72hrs for a response from a manager. I called yesterday and the representative stated a manager was on a call and she would call me back that day, never called me. I called back today and said i wanted a manager and she said they are busy. i advised i never got a call back yesterday and i wasn't getting off the call until i get some answers and a manager and she said i can't wait on the ling and hung up. This is ridiculous and horrible to go through.
Product: Credit reporting or other personal consumer reports

How is it possible that Experian yet again at XXXX notified me that they closed this complaint WHICH IS NOT POSSIBLE BECAUSE THEY DID NOTHING THEY FIX NOTHING
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I entered a search for a XXXX XXXX XXXX model # on XXXX XXXX and a website listed as XX/XX/XXXXappeared listing the Home theater I was searching for. The site showed a number of different departments and in the electronics department they showed the home theater I was looking for for sale for XXXX. I purchased it through PayPal and the funds were transferred from my debit account to XXXX. which shows on my PayPal account. Eventually I was told it had shipped ( presumably from XXXX ) to XXXX.California with a USPS tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. It was delivered to the XXXX store where I receive all of my mail on XX/XX/2020. I was expecting a large box with the home theater system. What I received with that tracking number was a small envelope containing a cheap yellow whistle. Needless to say I was very distressed. As soon as I got home I went to the matastore website and was told it was a non-existing website. I immediately contacted Paypal and reported that the company was fraudulent and that they sent a cheap whistle and not the home theater I ordered. Since there was no way to phone PayPal and opened a case to get a refund for not receiving what I ordered. PayPal responed by telling me they would attempt to contact the seller at XXXX. 
On Sunday XX/XX/2020 PayPal sent me an email stating that my case had been denied because the seller responded stating the tracking number proved my order had been delivered. I have tried several times to contact PayPal regarding this to get them to look at what I paid for and ordered and what I received. Their response was that the case ( # XXXX ) was closed. 
I nearly always use PayPal for online purchase because they promise to always provide a refund if I do no receive what I paid for. I am very upset that no one from PayPal has followed through on this and checked this fraudulent website that ripped me off.
Product: Bank account or service

were locked out our online banking account w/o notification. KeyBank has a new webpage and did n't advise its customers. We did not receive any notification and thought the site as a phising scam site. So we did n't logged in and tried to log in again and were locked out. We tired to call and waiting twice once 25 minutes and then 20 minutes no customer service available. XXXX saturday XXXX. Called local branch and manager-XXXX ny was unaware of new webpage and also locked out of her account. We are concerned and alarmed about our money and This has caused XXXX not knowing whats going on? KeyBank has failed to advise customers of changes and customer service is unavailable to rectify my issue. KeyBank arrogance snubbing their nose at regulators and its customers is concerning and alarming.
Product: Credit reporting or other personal consumer reports

This company TD BankXXXX has been reporting to the credit bureaus false and inaccurate information repeatively for over XXXX XXXX XXXX years violating my comsumer rights and causing me to get denied on Auto, Credit Cards and Homes damaging my credit which I have disputed for years that continue to tell the bureause its verified and accurate. 
Account info Account name TD BANK XXXX Account number XXXX I am requesting a cease and desist also remove negative until u show proof of all documents being reported correctly to the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

In 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, 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 furnish 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.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to address a serious issue regarding a collection account on my credit report, which has been causing me significant distress and financial harm. The collection account in question is from XXXX XXXX XXXX XXXX, and despite my numerous attempts to resolve this matter, I have been met with repeated disregard and negligence on the part of your organization. 

I have diligently followed the proper channels by contacting XXXX XXXX XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB ) and Better Business Bureau ( BBB ) with proof of my attempts to resolve this issue. However, my efforts have been consistently ignored, and I have not received any written notification from them regarding the validity of this debt before it was placed on my credit report. 

It is alarming that Experian has failed to provide any evidence of a written notification being sent to me, as required by consumer protection laws. While both XXXX and XXXX have acknowledged the lack of verification for this collection account and have removed it from my credit report, Experian continues to insist that the information is accurate without providing any substantiating evidence. 

I have repeatedly requested proof of verification from Experian, only to be met with silence and further delays. This blatant violation of my consumer rights and the persistence in reporting inaccurate information is unacceptable and is hindering my efforts to rectify my credit profile. 

Furthermore, I must emphasize that I am a victim of identity theft, and the unwarranted presence of this collection account on my credit report is impeding my ability to restore my identity and financial stability. Experian 's refusal to cooperate and rectify this situation is exacerbating the harm caused by this wrongful reporting. 

I demand immediate action to rectify this matter, including the removal of the disputed collection account from my credit report and a thorough investigation into the mishandling of my consumer information. Failure to comply with these demands will leave me no choice but to pursue legal action against Experian for its blatant disregard of my consumer rights and its role in perpetuating the harm caused by identity theft. 

I urge you to take this matter seriously and act swiftly to address these concerns. I expect a prompt response detailing the steps you will take to resolve this issue satisfactorily.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing problem with Experian. I believe now after receiving my updated credit report that they are doing this on purpose and today I filed a complaint with the State Attorney Generals office and the FTC and am in discussions with an attorney about filing a lawsuit if this does not stop.
Experian is still reporting my XXXX XXXX Account as being late when in fact it was never late and they refuse to show proof that it was late. They are in violation of the law. I believe they are also violating the statute of limitations by reporting the account.
Secondly they have a written comment on two of my accounts stating that I have disputed them in the past which is a false statement and blatant lie on their behalf. They are stating that my XXXX XXXX XXXX Account in the comment section " Account information disputed by consumer ( meets requirements of the FCRA ). I have never missed a payment with this company so why would I dispute it? THEY NEED TO REMOVE THIS COMMENT IMMEDIATELY as it makes me look bad.
Then on my XXXX XXXX account Opened in XXXX of 2017 ( I have never been late on this payment as it is a new account so why would I dispute it? ) Yet they have a comment saying " Account previously in dispute '' this is a LIE and this comment needs t to be removed immediately.
It is very obvious that they are simply adding stuff to my credit report to get back at me for filing these complaints. It is also obvious that I must now file a complaint with the FTC, State Attorney Generals offices against the CFPB as you are not investigating Experian for breaking the laws. This has to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me 120 days late on the XXXX XXXX XXXX, partial account number XXXX. This account that a {$0.00} balance and {$0.00} past due. This incorrect reporting is hurting my credit score. It is impossible to be late on an account that has a {$0.00} balance {$0.00} past due.
Product: Debt collection

XXXX XXXX XXXX acct # XXXX and LVNV Funding acct # XXXX are reporting fraud accounts on my credit bureau. They both have been calling and threating to take my social security check by garnishment. I have told them over and over to sop call and I do not owe this debt or know what they are talking about. These are the only things on my credit file which I didn't do. I'm XXXX XXXX XXXX and about to turn XXXX this XXXX. I have had the same local auto insurance company for over 25 years and I have never had an credit card. This should be unlawful to allow someone to open an account without 100 percent verification. I never gave permission or identification for neither one of these accounts.
Product: Debt or credit management

We signed up for a Debt Relief program with Beyond Finance based in XXXX California. I spent quite a bit of time speaking with the account manager about the details of the account. We signed up in XXXX or early XXXX with a credit card balance of XXXX cards totaling {$21000.00}. They said they could reduce the amount by 40 % and that their fee to do this was 10 %. 
We are still getting calls from the creditors and being charged 31 % interest on these balances. Beyond finance has been collecting {$370.00} per month since the beginning to pay them. Only one card has been paid off in that time and now the company wants to charge XXXX {$490.00} fee for paying off that card with our money or 25 % of the balance. It makes no sense that anyone would agree to that. 
The difference in what we owed and could have paid the credit card company ourselves was almost the same. Meanwhile, our credit is ruined. 
This can not stand. Beyond finance is a scam company and should be stopped.
Product: Debt collection

XXXX has been calling my workplace. My workplace is a XXXX. Not only are these calls an embarrassing form of illegal harassment, but they are putting people XXXX in danger by clogging up the phone lines.
Product: Mortgage

We have HELOC with BMO Harris bank originally until it was transferred internally with XXXX XXXX XXXX. ( XXXX  ). We have tried to call them multiple times and arrange a payment schedule with them since our HELOC matured and affected due to our bancruptcy filing back in 2015. We got a lettter from XXXX and demanding to pay the full amount payment of XXXX. XXXX rep said they are no longer sending statement. We are willing to work with them and pay down our loan but we couldnt get any meaningful assistance form their rep or even discuss it in person. We are looking to refinance it but since they are reporting the past due account in credit reporting agency we are having to problem starting this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am un essential worker affected by XXXX XXXX pandemic I was very sick not able to work, speak and eat for several time, My wife contacted credit card banks on my name by phone on XXXX XXXX requesting help with payments assistance with my auto loans and credit card payments because XXXX XXXX pandemic effected me. Home mortgage and auto loans banks and credit cards creditors help me with this request and agree to put my accounts of a DEFERMENT plan FOR 3 MONTHS I was happy with this. BEFORE BEEN INFECTED WITH XXXX XXXX I NEVER WERE LATE ON MY PAYMENTS I HAVE 100 % ON TIME PAYMENTS RECORD. all my family XX/XX/XXXX with this XX/XX/XXXX our economical situation was very bad we only can be thinking in how to fill better to return at work nothing more. 
Later I found a very unexpected notice my credit cards. CHASE XXXX, XXXX XXXX XXXX AND XXXX THIS THREE BANKS reported late payments on my credit reports Missing payments on XXXX, XXXX and XXXX I mailed several dispute letter to credit report agencies XX/XX/XXXX, XX/XX/XXXX and to my creditor but they don't want to correct this wrong information they want me to prove them when I called to request help how can I prove it do I have to record every calls? AT THIS TIME I PAID ALL MY LATE PAYMENTS I AM NOT BEHIND I just want to update my account same status It was before differed payments plan I KNOW I am protected by CARES ACT I LOOSE A VERY GOOD JOB OPORTUNITY BECAUSE THIS WRONG MARKS ON MY CREDIT REPORTS I am looking for legal advice to move this to a court room if this banks don't correct this in 30 days. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$740.00} acct # XXXX XXXX acct # XXXXXXXX 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1100.00} acct # XXXX XXXX {$530.00} acct # XXXX, {$1100.00} acct # XXXX, {$3300.00} acct # XXXX, {$2300.00} acct # 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.

There is no third party that assisted the generation this letter.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report after receiving results from my last dispute and disagree with the results once again. Transunion returned the account as VERIFIED, but it still reports inaccurate information on my consumer report. Transunion failed to provide the names and business addresses of each individual with whom they VERIFIED the with, so that I may follow up. Transunion has violated the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. The inaccurate information on my consumer report includes Date Opened, Payment Status, Comments, & Date Last active. ( Please see attached document with proof of inaccuracies )