23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I've had my AMEX card opened for ~10-15 years ago. ~1.5 years ago, I opened a new checking account and tried to switch autopay, since that time I am unable to get autopay configured. I've escalated to support several times and they just keep saying they've " escalated '' the ticket with no resolution for almost a year. I've had to call in every other month, to their credit everytime I forgot to manually submit my monthly payment, they have reversed the late fee and interest charge. I typically get an email/push notification when the late fee hits my account and I immediately pay the bill the same day. 

The other issue is that I've asked for them to contact me with routine status updates around this issue, and everytime they fully agree to contacting me ; however, they never do. I've gotten to no email, voicemail, etc regarding this issue. I don't believe I was even given the " IT Ticket number '' with some other department that they always transfer me to. Back in XXXX, I even emailed AMEX IT support a screenshot of what I was seeing. This was after several months of back and forth and someone finally escalating me to I have to attempt to login every month and pay my bill unlock every other credit card I have. The other irony is that I have two ( 2 ) credit cards with AMEX, the other one had no issue with setting up autopay with the new bank account or any other bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has clearly violated my hippa rights! 
The criminal penalties for HIPAA violations can be severe. The minimum fine for willful violations of HIPAA Rules is {$50000.00}. The maximum criminal penalty for a HIPAA violation by an individual is {$250000.00}. 

HERE ARE THE HIPAA Violations Impermissible disclosure of protected health information, or PHI.

Unauthorized access of PHI.

Inappropriate disposal of PHI. 
Failure to conduct risk analyses when appropriate. 
Failure to correctly manage risks to the confidentiality, integrity, and availability of patients ' PHI. 

XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With a balance of XXXX XXXX Has violated my right 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: Prepaid card

This card was purchased from my XXXX XXXX on XX/XX/XXXX around XXXX in XXXX XXXX FL XXXX I received the gift card on XXXX and have been trying to use it since XXXX. Ive tried multiple stores in person and online which all say they take AMEX cards including gift cards. I had given up and called the help number ( XX/XX/year> @ XXXX ) XXXX ( XXXX ) XXXX. I had managed to speak with a representative who told me 3 times to try different ways to use the card and all of those ways i have previously looked up and have done already for months. After she understood this she put me on hold and then put me back in in which another representative man was telling her what to say. She told me they can not send a replacement ( in which i had asked for after she was no help ) and she said there is a hold on my account in which they can not send me a replacement. When i asked what this hold was on a gift card she could not explain. Instead, when I asked what the hold was 3 times she proceeded to say is there anything I can help you with after each time.
Product: Debt collection

Credit Systems Intl In, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Product: Money transfer, virtual currency, or money service

Capital 1 bank was supposed to send me a check for {$19000.00} capital 1 did not send me the check I heard that the check was cashed and I disputed it they were supposed to send me another check for {$19000.00} they've been closed my account they shut off all my checks so that way might check bounce so now I'm in XXXX XXXX for bouncing checks and this is capital ones ear they lie to me they deceived me they sent back {$1200.00} that was in XXXX account that I did not ask them to send back and they listed it as a withdraw capital 1 is a faulty bank and they have calls me nothing but problems I would like to super damages or I want my money
Product: Credit reporting, credit repair services, or other personal consumer reports

They repeatedly keep the same INACCURATE DISPUTE COMMENTS on my student loan. I NEVER DISPUTED IT OTHER THAN TO ASK THOSE DUMMIES TO PUT THAT IT'S IN FOREBEARANCE UNTIL 2026!!!!!!!!!!!!! Yet I got a notice from my credit monitoring company that they're STILL INSISTING I DISPUTED AN ACCOUNT THAT'S ACCURATE, WHEN IT JUST NEEDED TO STATE IT WAS IN FOREBEARANCE!!!! I'm sick of this problem and it's time to take more serious action to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a loan back in XX/XX/XXXX never been late Also I have proof where it says that my account was paid in full and also receipts never late XX/XX/XXXX guarante loan report my account with late payment Which already my account was close my credit score drops XXXX points My loan amount XXXX $ Was open XX/XX/XXXX  My 3 credit bureau need to be update soon is posible Im in process to get a house
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX : # XXXX has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( 2 ) And pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' I demand my late payment ( s ) be updated to paid on time according to these U.S. laws.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of outdated addresses from my credit report and the update of my current address. The addresses listed on my report are no longer valid and may affect the accuracy of my credit file. 


My Current Address is : XXXX XXXX XXXX XXXX XXXX NC XXXX I kindly ask that you promptly remove the outdated addresses and update my credit report with the correct current address. Your assistance in resolving this matter is greatly appreciated.

I am attaching my ID and Utility Bill to verify my current address as well as my social security card to verify my identity. Thanks!
Product: Debt collection

A few months ago my parents received phone calls on their personal cell homes and home landline from Wells Fargo Dealer Services. Voicemails were left at the time asking them to be called back. My dad returned the call think it was regarding a student loan he had cosigned on with me through Wells Fargo and when he found out it was about a car loan he told them they should contact me and not him as he did n't have anything to do with this and was n't authorized to talk about that account. They then placed calls to my mom 's cell and left a message and my parents landline. I called them back and asked why they were calling those phone numbers when I had never given them those phone numbers, nor authorized them to call those numbers and leave voicemails. They said they had no idea how those calls went out because they did n't have the numbers anywhere on file and should n't be calling those numbers. I told them I was extremely frusterated by this because it caused my parents unnecessary stress and concern. I asked where they acquired the numbers since they did n't have them on file and the associate kept saying he did n't know and they were n't listed anywhere on my file. He said he would make a note that they did n't call those numbers again. I asked that if they wanted to talk about money I owe they call me only and/or mail me something telling me to contact them. Today ( X/X/17 ) my dad recieved a call from XXXX ( XXXX ) XXXX and when he answered they asked for me and he said they had the wrong number and he hung up. They called him at XXXX. A few seconds later the number called my cell. I was n't able to answer as I am at the hospital. <P/>I am upset that Wells Fargo continues to harass my parents in an attempt to reach me when I have asked them not to. Also, that they continue to call phone numbers that they claim to have no knowledge of having or using.
Product: Credit reporting or other personal consumer reports

I've had a creditkarma account for over 10 years. Friday, XX/XX/year>, they decided they wanted to verify my phone number. Because of their flawed system, it does not let me verify my phone number because it's attached to someone else 's account who is most likely deceased. They do not have a customer service phone number or direct email. You can only use a chat service that gets into contact with unqualified " people. ". Their attempt at a solution is to use mitek systems live verification system. This system uses a phone 's camera to take video of the person and then a picture of your ID. This system is useless and unable to verify my Florida driver 's license. I tried the system on different types of phones and on different networks. All are denied. How can companies like this exist that hold our personal information hostage, with no repercussion?? My creditkarma account is linked to email " XXXX '' and my current phone number is XXXX. My old disconnected number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I implore you to take action and remove these fraudulent accounts from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I transferred XXXX Litecoins into my account which shows up as a transfer in but afterwards I was unable to sell or transfer out any and It does n't show up in my balance either. It seems they have frozen these coins and have not responded as to why or what I need to do to get them released.
Product: Mortgage

It started in XX/XX/2018, I scheduled a payment online through the company 's online portal. I verified in my bank it was scheduled to come out. A month went by and went online to pay again and i scheduled my payment. There was no information made available to.me that my payment in XXXX did not go through. In XXXX I attempted to pay online and was notified I could not. So I called caliber and was told I was in pre foreclosure to my shock. I still had not recieved a phone call, email, or physical mail saying I missed any payments. When I asked how much I was behind I informed them I did not have the full amount but could pay half. The employee on the phone directed me not submit half and to wait until I had the full amount. Once I collected the full amount I had my wife go to the bank to wire transfer the money she called caliber and was told it's to late you are in foreclosure. And again was directed not to submit payment. I called as soon as I could and was notified by a new employee both employees I had spoke with before were wrong and I could have submitted payment and stopped the process. I asked if sense that information result in the foreclosure process starting they could stop it and allow me to pay they said no. I was told to ask for a re reinstatement amount, which had jumped XXXX dollars in 2 weeks. I no longer had that amount to pay. I found away to get the money called and was told that figure is old there is a new amount and it had jumped another XXXX dollars in 2 days. I couldn't keep up asked for help and was denied and told I had to pay in full and that's the only thing they would accept. I am now facing a foreclosure because they wont work with me or anyone and I have spoken with attorney 's and at this point they say they dont believe they could help me in time. After only 3 missed payments I was Sent into foreclosure.
Product: Debt collection

I paid XXXX  over {$4000.00} for XXXX XXXX of service that I did not receive I was told that they would help me because I am valued customer instead they robbed me and then closed my account so that they won't have to provide me with a statement of all the paid bills during the XXXX XXXX  period.
Product: Vehicle loan or lease

I had a loan with Truist for a vehicle. The vehicle was totaled on XX/XX/2023. On XX/XX/2023, the insurance ( XXXX ) cleared a payment to Truist for $ XXXX for paying off most of the loan. XX/XX/XXXX was also my monthly payment due date. Due to this payment from XXXX, my monthly payment requirement should have been settled, so I did not pay the XXXX XXXX monthly payment for XXXX ( Nothing on my login showed that this did not count as a payment ). I received a late fee notice dated XX/XX/XXXX in the mail for non-payment. I called Truist immediately upon receiving the notice. They told me the insurance payment of over {$30000.00} did not count as a payment, and I still owed my XXXX payment. They did take off the late fee, but I had to make a payment while on the phone. 

My loan is now paid off due to gap and dealer package refunds, but I am writing this to insure Truist honors payments to an account, no matter who they come from, as they in no way specify these 'insurance payments ' do not count. 

I also want to ensure I get the proper refund for overpayment to my account and get back any interest that may have been improperly accrued.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Transunion reported a loss of XXXX points. 

My score dropped from XXXX to XXXX. 

My credit report shows an XXXX XXXX loan as closed on XX/XX/2022. 

The report also shows XXXX XXXX account balance decreasing by {$300.00} from {$300.00} to {$0.00}. 
I have contacted XXXX XXXX to find out what they reported. Their reply was " account was satisfactory paid ''. 
I have contacted Transunion also no explanation. They just take points when they see closed and encourage consumers to leave credit cards open and continue to use them. 
They do not make any difference from when a loan is paid off.
Product: Debt collection

An SMS sender identifying themselves as " Medical Business Bureau, a debt collector '' continues to send unsolicited SMS messages, betraying the nature of an alleged debt to third parties, and after having received a written cessation order. 

Sender first sent an SMS from ( XXXX ) XXXX, on Wednesday, XX/XX/2020, XXXXCDT reading : > This message is from Medical Business Bureau , a debt collector. Please call us at ( XXXX ) XXXX. If you wish to not receive text messages from us in the future please respond STOP. 

I replied promptly with " STOP '' as instructed in the message, which generated an acknowledgement : > You have successfully been unsubscribed. You will not receive any more messages from this number. Reply START to resubscribe. 

Subsequently, I, received multiple messages from ( XXXX ) XXXX, and ( XXXX ) XXXX with the same contents as the original message in violation of FDCPA, FTC, and FCC. Sender negligently made no attempt at hiding the message from third parties, betraying privacy guaranteed by the FDCPA.
Product: Money transfer, virtual currency, or money service

I was a victim of a scam/ fraud situation, where I was notified in order to receive money promised to me from a " buyer '' I had to upgrade my Wells Fargo XXXX account to a business account. The person that got in touch with me was impersonating a XXXX agent. That XXXX agent sent me multiple emails stating that I needed to send them {$350.00} in order to get that money. I sent multiple request to get this issue resolved and Wells Fargo has not been able to cooperate with me at all. This is a case of fraud and scam and I find it ridiculous that they are not able to help me out at all. Why would I authorize a payment if I knew I was being a victim of a scam or fraud. This is insane that I have to send all these complaints. I just want this issue resolved and my money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started my dispute process on XX/XX/XXXX. It is now XX/XX/XXXX and I have no response from the bureaus. I am requesting this inaccurate information that the bureaus were unable to verify be removed from my credit report. By law it has been well over 60 days and I have no response which constitutes removal being that bureaus did not verify my. information. I have attached my letters that were sent to the bureau, a copy of an utility and my license to prove my identity. According to FCRA, if the bureau has not verified this inaccuracy as valid within 30 days then it must be removed immediately. They have had well over 60 days to yield a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA Called everyday for 2 weeks hanging up and not speaking. I called them back to stop the calls. They said it will not stop until a debt ( I don't own ) is paid.
Product: Money transfer, virtual currency, or money service

A girl told me via XXXX messenger that she would sell me tickets for {$70.00}. I sent {$70.00} to her requested PayPal account and then she never sent tickets. I have full proof from XXXX messages as well as the receipts from PayPal.
Product: Money transfer, virtual currency, or money service

Wells Fargo cancelled the international wire transfer and froze my account, and I lost thXXXX XXXX XXXX XXXX 

I wired {$10000.00} on XX/XX/year> ( From Wells Fargo account to my account in XXXX ) I wired {$5000.00} on XX/XX/year> ( From Wells Fargo account to my account in XXXX ) I wired {$40000.00} on XX/XX/year> ( From Wells Fargo account to my account in XXXX ) I requested a wire for the last amount {$98000.00} on XX/XX/year> ( From Wells Fargo account to my account in XXXX ) XXXX XXXX close XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX