23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Dear CFPB Department, I am writing to formally lodge a complaint related to an incident of scam and potential identity theft involving my company, XXXX XXXX  XXXX XXXX XXXX XXXX, registered in the state of XXXX. Our business is located at XXXX XXXX XXXX  XXXX, XXXX, TX XXXX, under the ownership of XXXX XXXX XXXX XXXX. 

On XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided services to XXXX XXXX, situated at XXXX XXXX XXXX, XXXX, TX XXXX. The payment for these services, totaling {$2000.00}, was received via a check which was electronically deposited using the J.P. Morgan Chase Bank mobile app, without issue. Regrettably, I inadvertently left the physical check in one of our work vehicles and failed to destroy it. 

Subsequently, on XX/XX/year>, an unidentified individual deposited this check into a different account not affiliated with my company. According to information provided by Chase Bank, XXXX  XXXX XXXX processed this transaction. Upon discovery, XXXX XXXX promptly voided the check, leading to the withdrawal of funds from my company 's account and their return. However, both XXXX  XXXX XXXX and Chase Bank have declined to assume responsibility for the re-negotiation of a previously processed check, which was exclusively issued in the name of XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

Compounding the issue, XXXX XXXX ' owner mistakenly believes that I, or my company, attempted to defraud him. He finds it implausible that someone else could deposit the check he had already voided. This banking error has not only caused financial repercussions but has also tarnished the reputation and credibility of my business. 

I request your assistance in thoroughly investigating this matter, which I firmly believe reflects misconduct on the part of banking institutions. The failure to hold accountable those who unlawfully cashed the voided check is concerning and requires prompt resolution. I possess evidence supporting my claims and look forward to your response. 

Thank you for your attention to this issue. I trust that the details provided have conveyed the nature of my complaint clearly. 
The XXXX entities want me to resolve with the issuer of the check! when it is an exclusive mistake of theirs for negotiating a check twice and to a different recipient. 
Yours sincerely, [ XXXX XXXX ] [ owner XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Last XXXX I wanted to invest {$59000.00} in the eToro USA LLC platform, said company froze my account and my funds asking to verify my identity, which I already did, I did everything they asked me to do and still they have not unlocked my funds or my account, this problem started on XX/XX/2021 and I still haven't been able to solve it, I feel frustrated, I need urgent help, I need my money, gentlemen from eToro USA LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to federal law, I XXXX XXXX am the original creditor, I am a consumer 15 USC 1692 a ( 3 ), a natural person and a debt is defined as any obligation or alleged obligation of a consumer to pay 15 USC 1692 a ( 5 ), based on federal law, a loan is a consumer credit transaction and banks can not extend credit Bowne v Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20, CT 1024,176 US 682,44 LED 637. I continue to get harassed and have my reputation damaged by Commenity bank 's continuous reporting of the alleged debt on my experian credit report, which an exhibit. My social security number was used to extend credit to Commenity Bank in a private consumer credit transaction, security interest was signed over. Federal law says only a person can extend credit in order for you to be granted something you have to get it from somewhere. In order for a person to be a creditor, they have to be granted the right, but an original creditor does the granting. 15 USC 1692 g. You are accusing me of owing this alleged debt but according to this federal law, and based on the exhibits I have provided you owe me {$20000.00} in violations of federally protected consumer protection rights under the FDCPA. This is my final correspondence before litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan showing open XX/XX/XXXX with the Cash Store, which I did not open any loans with anyone in XXXX. When I contacted the cash store on XX/XX/XXXX XXXX there said they had no loans for me only a denial in XXXX and told me to contact their corporate. The corporate office said they did not see a loan for me and said to contact the collection agency listed on my report. When I contacted XXXX and XXXX they said they did not have a file for me and to contact Debt Management. I spoke with Debt management and told them what was going on and they said they would put in a dispute. Then on XX/XX/XXXX I received an email from XXXX XXXX XXXX, XXXX General Counsel For Prime Recovery, LL stating We had previously sent you communication wherein you had the opportunity to dispute the above referenced debt. As thirty ( 30 ) days has lapsed, the above reference debt is deemed valid. I have never received anything from this company or any other company regarding this debt of any type. So I then send this company and email stating I wanted validation of the debt and all information regarding this debt as it is not correct. I did not receive an email or any contact back from them so I called on XX/XX/XXXX and asked about the email and they said that was just their response for the XX/XX/XXXX dispute and that it is still under dispute. I have not heard anything else from any of those 4 companies or received any type of validation or information I requested from them. On XX/XX/XXXX XXXX claimed my dispute came back validated as my debt but would not clarify what information they received as proof that is was mine or provide me with any other validation or proof to me. If something is showing up on my report I have the right to know exactly what it is and to have legitimate proof of the information. Again I did not open any loans in XXXX with this company of any kind.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed some inaccurate late payments on my credit report. I have 1 credit agency stating I was never late and another credit agency stating I was 30 days late with a payment. I paid this account as agreed. I have a 2nd credit bureau stating I was 30 days past due. I have bureau stating last updated XX/XX/XXXX and the other 2 reporting XX/XX/XXXX. There are to many inaccuracies on this account. It is hurting me in buying property and getting good interest rates. Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

The address is as follows... 

CBSA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX www.cbsasolutions.com. 
Reference # XXXX My problems are numerous and are as follows. I was hospitalized XXXX  in XXXX months and the bills are CRAZY. I go to their website and everytime I go there it says their servers are down. I've finally gotten most of these bills payed off but admittedly have gotten behind. On top of that I was recently hit with credit card fraud and my account will be short XXXX XXXX on this coming XXXX. I can begin paying them little by little. 

Just tell them to resend the bill and I can pay it. 

SLOWLY. 

I still owe about XXXX XXXX  for medicine. 

Also, this is not a dispute. I actually owe the money but haven't been able to pay just yet.
Product: Student loan

Problems started from the very beginning with trellis. They gave me the option to consolidate and add a ton of interest or threatened to mess up my credit and keep me in default and take my money from my work. They even locked me out of my account so I couldnt pay. They didnt let me in until I threatened to get a lawyer. I was not about being forced into adding $ XXXX to my loans so they took the money from my checks. They will not let you pick how its applied so they put the money towards the low I retest loans first leaving the high interest. I have finally gotten to below {$1400.00} and they stopped cashing the checks and threatened to give my money back. Because they Have been charging illegal interest against covid rules and still taking my money. I wrote them and called them. Then emailed what they told me to. I emailed them to keep the money and apply the illegal interest towards the loan. Instead they have now sent me a refund and put all my balances back to $ XXXX on the higher interest loans. I know they did this so they can do collection and interest again. These people should be shut down.
Product: Credit card or prepaid card

Alliant Visa advertises a warranty extension feature. On XX/XX/XXXX, I submitted a claim for a broken vacuum, and was assigned a claim number, XXXX. Alliant apparently outsources this coverage to " XXXX XXXX XXXX, '' who sat on my claim for almost a month, despite their status page showing all documents had been received. 

When I called today, XX/XX/XXXX, I spoke with " XXXX '' employee # XXXX at XXXX XXXX XXXX they informed me they were waiting for and require a repair estimate. This vacuum, like many modern products, are not designed to be repaired and no companies exist to offer. 

XXXX told me that the only way they would even consider honoring the warranty benefit was if I either provided statement from a repair technician, or if I paid to ship the unit to XXXX XXXX XXXX, in the hopes that maybe they would decide that the unit was covered under the plan. They refused to even accept a phone video of the item. 

Only after today 's call, did I receive a demand to mail the item to them, at my expense. Mailing them the broken device is not a stated requirement of the benefit in Visa 's marketing materials. 

I believe this is a fraudulent series of tactics designed to make it exceedingly difficult or impossible for consumers to benefit from the advertised card features, and the federal government should do what's in its power to stop credit card companies like Alliant from this misconduct.
Product: Credit card

Dear CFPB, I am writing to formally complain American Express regarding the unwarranted changes to the credit limits on my business credit card accounts, culminating in the unjust closure of these accounts. The details of my complaint are as follows : XXXX. Background : I have been a loyal customer of American Express for over seven years, holding several business credit card accounts in good standing. Throughout my tenure as a customer, I have consistently paid my balances on time and managed my accounts responsibly. 

XXXX. Series of Non-Warranted Credit Limit Changes : Over the past few years, American Express has repeatedly and inexplicably altered the credit limits on my business credit cards without proper explanation or notification, causing significant disruptions to my business operations. Despite contacting customer service multiple times, I was not provided with a satisfactory reason for these abrupt changes. 

XXXX. Account Closures : Most recently, American Express took the drastic step of closing my business credit card accounts. This action was taken without prior warning or justification. The closure of these accounts has severely impacted my business, affecting cash flow and damaging my credit score. I believe this action to be both unjust and discriminatory. 

XXXX. Impact on My Business : The arbitrary changes to my credit limits and the subsequent account closures have caused undue stress and financial strain on my business. I have faced difficulties in managing day-to-day expenses and have had to scramble to find alternative financing options to keep my business afloat. 

XXXX. Attempts to Resolve the Issue : I have made several attempts to resolve this issue directly with American Express. Despite my efforts, including multiple phone calls and written correspondence, I have not received a satisfactory resolution. The customer service representatives have been unhelpful and unwilling to provide a clear explanation or rectify the situation. 

In light of the above, I am requesting the CFPB to investigate American Expresss practices regarding credit limit changes and account closures. I believe their actions to be unfair and detrimental to small business owners like myself. I seek the following resolutions : - A detailed explanation from American Express regarding the reasons for the changes to my credit limits and the closure of my accounts. 
- Reinstatement of my business credit card accounts with appropriate credit limits. 
- Assurance that such arbitrary actions will not occur in the future. 

I have attached copies of relevant documents, including correspondence with American Express and account statements, for your reference. I hope the CFPB will take immediate action to address this issue and help protect small business owners from unfair practices by financial institutions. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX
Product: Debt collection

XXXX XXXX XXXX has been emailing me as a 3rd party, demanding that I pay XXXX for a account that was verified as a fraudulent account and removed. The Original Creditor which is as Capital One, N.A. was also removed.
Product: Credit card or prepaid card

Hello, Earlier this year I applied for & received a Sam 's Club credit card from Synchrony Bank. I was supposed to get a {$45.00} credit & I was only given a {$30.00} credit. After speaking with Sam 's and Synchrony the issue still isn't resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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.
Product: Student loan

I have been working for a XXXX XXXX XXXX for 30 years which qualifies for my loans to be forgiven. To-date my loans have not been completely forgiven and other individuals that work in the XXXX XXXX XXXX XXXX and have never paid any amount towards their loan have been given complete loan forgiveness. I inquired why my loans have not been completely forgiven and I have made payments towards paying my loans. I was advised to reach out to see how your organization can assist with getting my loans forgiven completely since I qualify under the PSLF program for 30 plus years. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I requested a validation of debt. They failed to give me the information, so they just close the account, but didnt remove it off. They said that they couldnt remove the collection off my credit, but they closed it. The original creditor is XXXX XXXX XXXX. The debt price was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my account inaccurately as if I am required to make payments and citing payments made in the past versus the statement that they should be making according to the law which is " Paying as Agreed '' I am deferred due to the fact that I am currently attending University and their error is negatively affecting my credit rating and job opportunities as I am close to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Erroneous, damaging information was not removed from my credit file. Experian, XXXX, XXXX  did not verify information within the prescribed 30 days. Have not removed erroneous accounts from credit file.
Product: Vehicle loan or lease

Hello, we have an issue with GM Financial refusing to acknowledge an excess mileage waiver in their GM Lease Agreement - dated XX/XX/XXXX. We have been trying to resolve this matter since we returned the leased vehicle in XXXX. At that time we purchased a new GM vehicle. The GM dealership submitted the lease agreement as well as the excess mileage waiver at the time we returned the leased vehicle to the GM dealership. Then on three separate subsequent occassions, we explained to the GM financial representative that we had a contractually binding excess waiver agreement and sent a copy of the excess mileage agreement to them. The calls and bills would stop for a little while and then the calls would begin again. Please see attached e-mail explanation that was sent to GM Financial explaining everything again. Since we are disputing the charge and providing proof of the legally binding waiver, the bills have stopped but the GM Financial harrassing phone calls on a daily basis have not stopped. Again, the leased vehicle was returned along with the contract/waiver in XXXX. GM Financial representatives call our home telephone number daily. GM Financial represenatives call my cell phone daily and they are calling my place of employment on a regular basis. I can provide a record of phone calls that come in almost daily. GM Financial has yet to acknowledge the excess waiver contract. I guess they think that if they harrass us with daily phone calls since XXXX, that we will just pay the {$400.00} to have them go away. That is not going to happen because we do not owe money on excess mileage. It's hard to believe but the almost daily harrassment is over an illegitimate {$400.00} bill. GM Financial added lates fees and interest to the fictitious charge to bring it to XXXX. Ridiculous- isn't it? There is a legally binding excess waiver agreement. There is no {$400.00} balance due.
Product: Credit card or prepaid card

I received a bill for a Visa Signature Credit Card taken out from the Bank of America. It had a credit line of {$20000.00}. I disputed it with XXXX but they claimed it was legitimate. Yesterday I received a bill in the mail from Bank of America. I called the Fraud Department today disputing this card. The woman said that the Bank is aware of a credit card fraud ring. Bank of America has cancelled the card & noted it. I have notified all XXXX credit report companies to put a freeze on my credit report. This has been going on for at least XXXX  years with my identity being used to open various accounts. I am trying everything I can to stop this constant fraud. 
XXXXXXXX XXXX has also notified me of suspicious activity apparently with an XXXX Account or credit card. I can not get into the XXXX Account because I don't have the account information.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX and on this date XXXXXXXX I have become a victim of identity theft. The following information I have listed Is not in accordance to my credit report. I ask that the following information below get DELETED off of my report rapidly since it is not mine. I have also listed a copy of my Federal Trade Commision Report, CFPB, and XXXX XXXX XXXX regarding the theft of my identity for your convenience. According to 15 USC 1681 - governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) .these companies have violated my rights as a consumer and have gone against the policy by sharing my NPI to collectors without sending an opt out letter in accordance to 16 CFR 313.1 thus, this being INACCURATE INFORMATION. Therefore I ask to Please DELETE the items from my report as soon as possible! Thank you.
Product: Checking or savings account

Bank of America is charging me without my consent to various entities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had made all these payments with my balances that to date I had in my different accounts that I have with said entity The XXXX XXXX entity tells me that these payments were already made and on XX/XX/XXXX they disconnected my telephone lines and they tell me that I have balances for XXXX Bank of America tells me that I have balances with them XXXX I don't know what is happening with my accounts and my money that I had on the different dates that all these transactions were made this happened on the dates from XX/XX/2023 to XX/XX/2023 where the entities reported that they had problems with the balances of the majority of clients where we received messages that they are obtaining information without authorization from said entities there were news in various media where they said that the accounts Balances went up and down from Bank of America and they sent me that I was in negative balances when at no time did I have negative balances with them nor have I ever obtained them with the entity.
Product: Credit card

I found a hard inquiries on my credit. These are XXXX, XXXX, Discover Bank, XXXX. I have a concerned that somebody stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken care of this balance in full. This is showing up derogatory on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to lease a vehicle at my local XXXX dealership. I specifically told them that I wanted to run my credit with XXXX XXXX and no one else. A month or so later I find that XXXX XXXX shows as an inquiry that I did n't authorize. I spoke with XXXX, no answer. I spoke with XXXX XXXXXXXX XXXX XXXX and was told to submit a letter. I got a respond from XXXX XXXX stating that I did authorize, but I was n't provided the original application or proof of authorization.
Product: Checking or savings account

On XX/XX/XXXX, We ( My son and I ) open a XXXX account at our local Bank of America at XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX with XXXX XXXX , on longer works at the local Bank of America XXXX For the first year or so, the student account was not charged a {$12.00} Maintenance Fee as it was stated in the document giving to us ( Students under age XXXX are eligible for a waiver of this fee while enrolled in high school, or a college, university, or vocational program ). I recently noticed XX/XX/XXXX that my son 's account balance was lower than expected. I went to the local bank and was told of the {$12.00} maintenance fee began charging as of XX/XX/XXXX. I was not aware the bank started taking {$12.00} a month on this account after a 16 months of opening an student account. 

On XX/XX/XXXX, I was not able to log in to my son 's account with his credentials which was a red flag. When I asked the bank why I my son 's credentials did not work to log into his account they said because he was not 14 years of age. I assured them that this was a student account and my son 's credentials worked in the past. Later that day, I found out the account type was now a Advantage Plus Banking account ( which is not a student account and could be charged {$12.00} maintenance fee. ). They bank tried to change the account back to a Advantage Safe Balance Banking account. After XXXX verification attempts the account could not be changed back to the initial account that we were told was open in the first place. 

Today XX/XX/XXXX, Is my son 's XXXX birthday and I am requesting the XXXX ( XXXX ) maintenance fee charges of ( {$12.00} a month ) be put back into my son 's XXXX account.