23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a complaint regarding a credit card application denial by American Express that I believe may involve discriminatory practices and a lack of equal consideration. 

On XX/XX/year>, I applied for the Blue Cash Everyday card from American Express. My application was denied, and I received an adverse action letter citing my XXXX score ( XXXX ) as the primary reason for the denial. 

I believe this denial may be discriminatory for the following reasons : 1. Religious Discrimination : As a XXXX, I operate with the belief of conducting business honorably and in good faith. I believe this religious principle may have been used against me in the credit decision process.

2. Lack of Equal Consideration : The adverse action letter does not provide sufficient information about how my application was evaluated beyond the XXXX score. I believe my entire financial profile and my commitment to honorable dealings were not given proper consideration. 

3. Potential Violation of the Equal Credit Opportunity Act ( ECOA ) : The ECOA prohibits discrimination in credit transactions based on religion, among other factors. I believe my application may not have been evaluated fairly and in compliance with this act.

4. Misleading Advertising : The credit card was advertised with certain terms, but the denial seems to contradict the implied accessibility of the product based on those advertised terms.

5. Lack of Transparency : The adverse action letter does not provide a clear explanation of how my religious beliefs and principles of honorable dealings were factored into the decision-making process. 

I request a thorough investigation into American Express 's credit application evaluation process to ensure compliance with anti-discrimination laws, particularly regarding religious beliefs and practices. 

Additionally, I ask for a review of American Express 's advertising practices to ensure they are not misleading consumers about the accessibility of their credit products. 

I appreciate your attention to this matter and look forward to your response.
Product: Credit reporting or other personal consumer reports

Fnb sent me late payment notification in XX/XX/year> when in fact I was expecting them to refund me for negative balance. 
They refused to update negative balance as required by FCRA to reflect balance as of XX/XX/year>. They refunded me in XXXX so there was no balance due in XXXX like they claim.
Product: Credit reporting or other personal consumer reports

I have DISPUTED The XXXX XXXX XXXX Closed Credit Card Account # XXXX, on my Equifax Credit Report, numerous times ; but, Equifax is still reporting this ERRONEOUS LATE PAYMENT for XX/XX/2020 in PAYMENT HISTORY -- SEE ATTACHED. I have submitted the Account 's Creditor [ XXXX XXXX XXXX XXXX  ] evidence to Equifax, which TOTALLY proves this XX/XX/2020 Late Payment is ERRONEOUSSEE ATTACHED. Why provide SUPPORTING EVIDENCE if Equifax WILL NOT REVIEW it to support my dispute? This evidence proves that the ERRONEOUS LATE PAYMENT is being reported by Equifax, and not being reported by the Account 's Creditor [ XXXX XXXX XXXX XXXX XXXX ; therefore, the reported XX/XX/2020 ERRONEOUS LATE PAYMENT is ILLEGAL. I am strongly considering a LAWSUIT against Equifax because this ILLEGALLY reported ERRONEOUS LATE PAYMENT is adversely affecting my Equifax Credit Score.
Product: Money transfer, virtual currency, or money service

Concerns regarding Zelle 's handling of transactions and disputes in light of recent cfpb lawsuit. I've used Zelle many times and reached out to them directly with my problems but my claims were never adequately handled. The cfpb findings shows that Zelle never handled he situations I had concerns about.
Product: Debt collection

On XX/XX/2021 I filed a FTC complaint and the account was not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  and XXXX  are all reporting incorrect balance on my auto loan with XXXX. In addition to making all regular payments on time. I've made multiple PRINCIPAL payments to expedite paying down the loan. Each credit reporting agency is reporting a loan balance of {$12000.00}. XXXX is reporting a loan balance of {$11000.00}. This has happened for two consecutive months. Failure to report my account accurately is against the Fair Credit Reporting Act Laws. I have bank statements as evidence and statements of facts.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent inquiries on my credit report despite proper notification and submission of required documentation. On [ XX/XX/XXXX ] and [ XX/XX/XXXX ], Complaint # XXXX, and XXXX. I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, and government-issued ID. Despite this, Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources, method, or evidence of verification, violating 611 's requirement for reasonable reinvestigation and transparency. I am attaching the results from my last dispute, which fail to show proof of the method of verification as required under the FCRA. Their actions contravene established precedent, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which affirm consumers ' rights to accurate reporting and proper investigation of disputes. Furthermore, Experian 's conduct is inconsistent with the CFPBs XXXX bulletin, which underscores the necessity of compliance with statutory obligations and consumer protection principles. This pattern of negligence and non-compliance demonstrates Experian 's disregard for its legal responsibilities. I demand that Experian immediately provide the method of verification used in their investigation and remove the fraudulent inquiries from my credit report within four days of receipt of this complaint.
Product: Debt collection

I received a letter from Sunrise Credit Services , INC debt collector on XX/XX/2024 trying to collect a debt that saying I owe to XXXX XXXX XXXX XXXX for the amount {$1800.00}. I don't have any knowledge of this service of att mobility this account was fraudulent open in my name and, stop all calls, emails and text message that's being made by Sunrise Credit Services debt collector.. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, I went in to get an auto loan. The dealership ran my credit and long story short, I left with a newly purchased vehicle. A while later when my credit report updated, I expected only to see one hard credit inquiry, but instead I saw a total of 5 hard credit inquiries added to my report for the same thing. Based on some advice from realtors and colleagues, I should be protected from multiple hard credit inquiries for the same type of inquiry on the same day. 

The inquiries are as follows : XXXX XXXX, NC XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, TX XXXX  XXXX XXXX, MN XXXX XXXX, TX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a computer glitch that was TransUnions problem- not mine- caused my inquires to be deleted. Transunion later on added them all back to my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have called numerous times ( 5 times a week ) since XXXX XXXX 2017 to get the hard inquires off my credit that were added back on. These inquires add a hardship and my right were violated by Transunion. Please help stop Transunion victimizing me
Product: Debt collection

The company has called me several times and has also sent emails with explicit details about a debt being owed to XXXX. Before I called them back, I checked my personal credit report and see no accounts or accounts in past due status with XXXX. Due to this, I am highly suspect of the company that is contacting me. When I called them, I told them I was not aware of any purchases with XXXX  for {$490.00} and that it must be fraud. I asked them to initiate their fraud process and they refused since as part of " verification '' i would not provide them personal contact information. 

I then pointed out that when calling, they are required to make sure its me they are talking to in order to avoid violating privacy laws. Yet they sent an email to to an email address they are not sure is me, that has my name and calls out that I owe a {$490.00} debt. How is it that they have to confirm its me on the phone, but can send a debt notification email to anyone?
Product: Debt collection

CBE GROUP just popped up in my credit. I have no knowledge of this debt. Never received documentation about this debt to properly dispute alleged debt. I dispute this debt. Please send over any ALL ORIGINAL WET SIGNATURE DOCUMENTATION for this alleged hospital debt. PLEASE ALSO SEND YOUR CONTRACT FOR ORIGINAL CREDITOR STATING THAT I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Consumer Loan

My wife and I received a two year, same as cash loan from Mariner Finance to purchase a new television from the XXXX XXXX XXXX. We were told that Mariner Finance was going green and all information about the account could be managed from their website, not giving us, the consumer, a chance to opt out of receiving a paper statement. 

After signing up for an online account I noticed the only information on my account was my previous payment and my next payment due. I had no way to see my account balance, payment history, payoff date, etc. I called Mariner Finance to ask where to find that information. I was told that they do not provide that information on their website and the only way to find this information is to call them directly.
Product: Vehicle loan or lease

I recently purchased a tesla and did a third-party loan through XXXX. The funds were sent by check from XXXX to Wells Fargo without all appropriate XXXX account information. XXXX uses Wells Fargo as their bank. The check was cashed by Wells Fargo and deposited into the general Wells Fargo auto loans account and not the correct XXXX loans account. XXXX has not received payment and all efforts to work with Wells Fargo and XXXX to correct the issue have failed. Efforts to have XXXX help retrieve funds have been unsuccessful stating that since the check was cashed by Wells Fargo there is nothing XXXX can do. Wells Fargo will not return the funds to XXXX.
Product: Checking or savings account

Capital One put a hold on my account for no reason. I called several times, and they refused to help and said that I need to go to a branch to get the issue resolved without telling me what the issue was. I told them to go ahead and close my account and send my funds to my address then. They refused to close it and insisted that I go to a branch. I told them there is no Capital One branch in my city. They said there is XXXX in XXXX XXXX. I told them that my current schedule does not allow me to go there and that it would take over an hour of drive-time. I insisted that they close my account and send me the funds in the mail. They still refused. I called them again today and spoke with someone named XXXX. XXXX said that my account was closed back in XXXX. I was surprised to hear this and asked her why I have not received a personal check in the amount of {$XXXX} then. She couldn't answer that then said the account was not closed. I said, " You just told me it was! The only thing you guys sent back in XXXX was the bank statement with the account balance showing {$XXXX} '' She then said things along the lines of " I didn't say the account was closed. You didn't hear me correctly '' -- straight up LYING and trying to gaslight me!!! I then asked to speak to a XXXX. I was transferred to someone who claimed to be named XXXX ( also claimed to be based in Virginia, XXXX ). He was also of no help and put me on hold several times then said he was going to transfer me to someone else. Someone who claimed to be named XXXX answered the phone. When I asked XXXX where in the XXXX she is located, she got an attitude and said, " I am not giving you that. '' I told her I am trying to confirm I am speaking to someone in the XXXX, not out of the country and that I also needed this information because I was going to include it in my complaint to CFPB if the issue is not resolved today. She, too, put me on hold only to come back and tell me my account is NOT closed and that she can NOT close it. All I want is my {$XXXX} and for my account to be closed!!! I want NOTHING to do with Capital One. In fact, when I see the words Capital One, I get tense and angry! I called numerous times and spent HOURS, trying to get MY account closed and MY funds mailed to me!!! It appears they are trying to exhaust me into just letting this go! At this point, I would NOT let it go even if there was only XXXX cent in my account! Capital One, close my account and give my {$XXXX}!!!
Product: Student loan

i have had my loan go into default a few years back and i have corrected it, but i am getting harassing never ending calls and emails about my loan will be going into default if not paid and i do n't even remember attending this school for the dates it says the loans were dispursed, i want some help and some relief from this, now i see navient is being sued and im getting more upset. 

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

I filed a dispute with all 3 credit bureaus they failed re remove the accounts affected by identity theft within 4 days per FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer ALL REQUIRED PAPERWORK SENT CERTIFIED MAIL USPS
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that has been placed on my credit report on XX/XX/2020 by Synchrony bank from SYNCB. I disputed this inquiry with the credit bureau XXXX asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$15.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$75.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX 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 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: Debt collection

A gentleman from a unknown phone number called me on XXXX/XXXX/XXXX at XXXX pm. The gentleman identified himself as XXXX XXXX, a investigative officer from XXXX XXXX in XXXX, Kentucky. He told me I had criminal charges pending against me and that I needed to call a XXXX phone number and give them a account number he gave me for further information. I told him that it was against the law to impersonate a officer for a debt collector. He said this was not that. I called the number and it was a collection agency who claimed I had a payday loan debt. The company could not give me a date of the loan or the address of the company that the loan was supposed to be owed to.They threatened to take me to court if I did n't give them current info or acknowledge the debt. I told them I had never received any information regarding this debt and that I needed something in writing they refused to provide it. They claimed this debt was prior to XX/XX/XXXX but, that the claim was filed then. The name of the company is Broadway Account Services.
Product: Credit card

I reported suspicious activity on my credit card in XXXX to chase bank also informing them that my card was missing. The suspicious activity was reported prior to the transaction clearing. Chase will not credit my account for the fraudulent charges to my account of {$8700.00} My Chase bill shows the following XXXX/XXXX/2016 Debit Card Transaction IMAGEXXXX XXXX XXXX XXXX XXXX X XXXX ( EXCHG RTE ) + XXXX ( EXCHG RTE {$8700.00} First of all XXXX x XXXX = XXXX not XXXX Chase is now trying to use my confusion about the matter ( which mathematically makes no sense ) to say that I 'm somehow at fault, or changing my story because I originally though it to be an overcharge. 
Chase will not contact the merchant for proof of this transaction, even though there have been multiple fraudulent transactions reported from this merchant. I do not feel it is safe to use a debit card if this type of fraudulent activity is not protected.
Product: Checking or savings account

XX/XX/22 Online payment XXXX to XXXX XXXX XXXX {$490.00} XX/XX/22 Online payment XXXX to XXXX XXXX XXXX {$70.00} XX/XX/22 Online payment XXXX to XXXX XXXX XXXX {$200.00} Paid the XXXX XXXX XXXX via XXXX online bill pay. The business claims they did not receive the payment and they provided proof that their bank account, also XXXX, does not include a deposit for the payments above. 

We opened an investigation with XXXX requested proof the funds where deposited and they stated, " We found the transactions was processed according to the information you provided or was authorized. '' They failed to provide proof the funds were deposited and gave us two different answers stating the payment ( s ) were made electronically then physical checks were mailed. They refuse to give us a copy of the endorsed physical check ( s ) or a tracking number for electronic payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection for the amount of {$700.00} under the name XXXX XXXX that I won a judgment against and was closed. But now that same debt is showing up on my credit report under a new name as XXXX XXXX. This debt I already won a judgement against and had removed from my credit report and now this same debt is showing up as a new account name. This is illegal
Product: Credit reporting

Equifax continues to report XXXX Bank as an Open Account, thereby distorting my credit utilization. This account was charged off in 2010 and is due to drop off permanently soon. My actual and current credit utilization averages XXXX therefore my credit score should be higher.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNATHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt collection is Jefferson Capital. They are attempting to collect a debt originally opened by XXXX. This account was opened fraudulently. I have reached out to Jefferson capital with a debt verification letter and a phone call asking then to demonstrate that I incurred this debt. They have given me no documentation regarding the debt or the original account. I have thus asked them to remove this debt from credit reports and they have not complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This hard credit inquiry is On my credit report without my permission I request that you remove this hard inquiry off my credit report under USC 1681, and USC 1681S2 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
Product: Checking or savings account

On XX/XX/XXXX, I deposited a live check, my paycheck, through Mobile Deposit. The next day, I realized that the funds did not post to my account. I called Chase Bank to remove the hold placed on my paycheck, and was told the payment processor was closed that day, and that Chase would not be able to release the funds. I was advised to call back the next week. 

I called Chase Bank again on the XXXX, and was told the same thing. I reached out to my HR team to escalate the issue. Today, I was provided a number to the payment processors treasury team ( XXXX XXXX XXXX ). 
I called Chase Bank three times today, XX/XX/XXXX. I provided Chase Bank the direct number to the treasury team whom could verify the validity of the check, but was told that it was not a verified number to call. When asked to explain the verification process ( ie, how is a phone number verified ), the agent declined to explain, saying that withholding this information was policy. 

Because of the hold placed on my paycheck, it is causing my account to overdraft, and is incurring overdraft fees as a result. The payment processor has confirmed with my HR team that the check has cleared, meaning Chase Bank has my money. Even though Chase Bank has the funds of my paycheck ( ie my present balance is positive ), they are STILL charging me overdraft fees. This behavior is predatory. Why am I being charged overdraft fees, when my present balance is positive? Chase Bank is incentivized to claim any provided number is not verified in order to continue to rack up overdraft fee revenue while the deposit is placed on hold. Ive worked in the banking industry for years ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and this is the first time Ive been a victim of such predatory practices.