23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I ASKED AMERICAN EXPRESS ( AE ) FOR A PLACE TO GIVE INFORMATION ON INVALID EXPENSES ON MY CREDIT CARD. THEY GAVE ME AN INVALID WEB ADDRESS. WHEN I ASKED THE SECOND TIME, THEY GAVE ME ANOTHER INVALID WEB ADDRESS. THE THIRD TIME I REQUESTED THE INFORMATION, I WAS UNABLE TO USE MY LOGON TO GET INTO THE PLACE TO GIVE THE INFORMATION. THIS HAPPENED AGAIN. I WANT TO GET MY BACKGROUND IN THIS COMPLAINT. I HAVE A XXXX XXXX FROM XXXX XXXX XXXX XXXXXXXX AND BECAME A XXXX XXXX AND WORKED ON THE CLASSIFIED XXXX XXXX XXXX. THE REPLY FROM AE CAUSED ME TO NOT TRUST THEM. I STILL DO NOT HAVE A VALID ADDRESS TO GIVE AE THE INFORMATION ON THE INVALID EXPENSES ON MY CREDIT CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Headquarters. 

XXXX XXXX has been abusing the Fair Credit Reporting Act and running circles around myself and the CFPB complain system. 

I XXXX XXXX am the victim of Identity Theft with documents dating back years. 

XXXX XXXX is reporting a Fraudulent in my name. 

I have disputed this multiples times with XXXX XXXX. Three times through the CFPB. 

Each time XXXX XXXX 's staff said they would later reach out to myself for more information. 

Each time was a lie to wait out the complaint against them.

They then proceeded to resend another collections letter never having asked for the evidence I was told they would ask for three different times.

Their only statement has been that two payments were made to the  card from a XXXX XXXX  Account. However, as I have informed them every time that account was already confirmed as fraudulent from XXXX. However, regardless of this evidence that completely invalidates their " proof '' that the account is valid they merely lie, stall, and ignore the Fair Credit Reporting Act which they are committing multiple violations of. In addition, the CFPB has been allowing this to continue as I have
read multiple similar complaints online. The CFPB is failing to investigate and fight against this abuse towards the American people. Therefore, I demand this matter be escalated to the teams in charge of taking legal action when a corporation is knowingly and blatantly violating the FCRA and abusing consumers. Have the appropriate department contact myself with any questions. Further  neglect from the CFPB concerning XXXX XXXX 'XXXX abuse may result in us filing a case against the CFPB.
Product: Credit card or prepaid card

I had an Barclays Credit Card account that I used to withdraw cash. Once the statement came in I called in the customer service and asked them for the balance to pay it, I made a full payment and changed my address. After 4 months they reached me and told me that my account was past due. Upon finding out that the account was past due I made a full payment and paid it off completely. A few months later I applied for another card with Barclays and both the newly opened account and the old one were closed. I downplayed it and after a few years I applied again not knowing it is the same company-Barclays. I got denied credit and received a letter stating that I had unsatisfactory previous relationship with the. I called Barclays and explained what had happened in the past, she went over the notes and confirmed that I was right. She therefore corrected the negative reading off of my credit bureau report and reopened the account that they had closed back in 2014. A few days later after I received the old reinstated card I received another letter that they were closing my account again. I called in to get an explanation and they ignored me by saying that I had unsatisfactory relationship with them and that no further action or explanation would follow. I have the new reinstated credit card that they sent but my report still shows that I had late payments. No matter how many times I tried to call and explain they would find all types of excuses including wrong date of birth and wrong mother maiden name to not talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an account with XXXX XXXX Bank and was declined. They use a consumer reporting agency called XXXX who informed me via letter that my consumer score was XXXX. After requesting a credit report all I am able to see is which financial institutions have requested to see my credit information. This report does not show anything indicating how the got a score of XXXX. 

My credit score at XXXX and XXXX are both above 800. 


After calling both XXXX XXXX and XXXX they are not able to provide me any information on how they got to this score or what negative information may be affecting it.

My concern now is that there may be some information that is impacting my credit and I may not be aware of it. 

Can you please inform me of how I can proceed with this to correct it? 

Thank you XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Fl. XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$5300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

My husband has a XXXX ( k ) with BOK Financial and passed away in XXXX of 2021. I am attempting to rollover the XXXX ( k ) into an IRA in my name as I need this money to live on. 

On XX/XX/2021 I submitted a Surviving Spouse/Beneficiary Application for Death Benefits along with a death certificate. I was subsequently informed that my grantor trust, of which I am the sole trustee, was named as the primary beneficiary on the account. This is a revocable trust that reports under my social security number. I sent a copy of the trust to BOK Financial and received a letter dated XX/XX/XXXX ( attached ) that denied my request to rollover the XXXX ( k ) as the trust was listed as the beneficiary. I consulted with my estate attorney and contacted BOK Financial on XX/XX/2021 and posed the below questions as advised by my attorney. Please keep in mind that I am the sole trustee of the trust that is listed as primary beneficiary on the XXXX ( k ) : " Do you have a spousal waiver form on file allowing the trust to be the primary beneficiary? If not, under XXXX, the trust can not be the primary beneficiary over me, his wife, in Arizona which is a community property state. ( this was not answered ) Am I individually listed as the contingent beneficiary? If this is the case I would like to begin the process to have the trust, which is effectively me, disclaim its position making me the primary beneficiary ( this was not answered ) The IRS has issued numerous private letter rulings where they allow a spouse to withdraw assets from the trust. Where can I have my attorney forward one of these letters requesting that you allow me to control the XXXX ( k ) and effectuate a rollover, sometimes thought of as an indirect spousal rollover? ( this was not answered ) I was told by the representative that I spoke with that they have met their obligation and will not provide me with any answers. The tax consequences of distributing the XXXX ( k ) as oppose to rolling it over will be devastating to my retirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off auto loan appearing in my credit reports. I submitted dispute with XXXX  and pending response. 
My complaint is with Equifax 's online dispute process. I have attempted to submit dispute but their system continuously claims no internet connection. I have used mobile and wifi connections and in both instances I get a " no connection '' error response. I have attempted dispute in different dates and locations and response is the same.
Product: Money transfer, virtual currency, or money service

Hi, I have been using PayPal service for almost 2 years but suddenly my account was permanently limited saying that I have violated their policy which is not clear to me because they refuse to give any specific violation imposed on my account. The money I received is purely from an online business ... and I am not selling physical products, I only sell XXXX  products which is delivered via email. 

My customers use to pay or buy using PayPal since it is convenient using their service, in other words, me and my clients use it as a payment method and I have responded my clients in a timely manner whenever they ask for a refund because they don't like the service. 

Now my business is slowly losing sales and it is a huge loss for me as a business owner and that is the main reason why I file a complaint in your firm, since I have heard that you have solved a lot of problems like this and many clients are happy for your service because they are able to restore their account from being permanently limited and continue to do business. 

I hope you can help me with this problem. Thank you.
Product: Checking or savings account

I am having a issue with the Branch Manager ( XXXX ) that sent my account to the Fraud Department and closed my account without any explanation. I was questioned about my XXXX XXXX Loan for that was approved and funding by the SBA. I was only able to access a small portion of my loan funds and then my account was froze for no reason. My account # XXXX. I feel they are being XXXX and biased. I have never been treating like a criminal like this ever before in my life. My loan was approved and the funds were sent to the account without any issues. So how is it Chase can steall my money that I have to pay back on this SBA Loan.
Product: Debt collection

There is an item I disputed and received nothing on. There is no way I owe this company this amount.
Product: Mortgage

We applied with Interfirst to refinance our ( XXXX XXXX ) mortgage in early XXXX of this year. 

We provided all requested documentation & were approved & had an appraisal in XXXX ( we paid {$830.00} ). 

In the 3rd week of XXXX was told by our loan officer XXXX XXXX we would be contacted to set up a closing appointment. That never occurred & instead additional documents were requested which were promptly provided & this is still going on as of last week. Most of the time there's no placeholder to upload the additional request so then i have to email XXXX XXXX so she can create one so thats more emailing & delay. 

We have never been informed of any deficiency - just additional requests which we provide - but we never get to close. 

In XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXXwe have received notification letters from XXXX XXXX that they have responded to inquiries for pay off. 

I asked XXXX if we are going to close before the end of XXXX & there reply was they needed a transcript of our tax return ( already uploaded the pdf a long time ago ). 
On Tuesday XX/XX/XXXX i emailed XXXX to withdraw our application because it is over 140 days since we applied. 

Last night XX/XX/XXXX i was filing bills etc & what I thought was a routine renewal of our XXXX XXXX Homeowner 's insurance was actually a DECLARATION : It indicates Interfirst WITHOUT OUR KNOWLEDGE OR PRIOR NOTIFICATION ASSIGNED ITSELF AS THE MORTGAGEE AS OF XX/XX/XXXX & WE STILL HAVE NOT HAD A CLOSING OR SET A CLOSING DATE. I understand this date should be or be pretty close to the closing date. 

I will upload a pdf of the XXXX XXXX document in Step 3.
Product: Mortgage

ORIGINAL COMPLAINT : We took a construction loan ( XXXX XXXX. XXXX ) from Sandy Spring Bank to construct my home on a lot. Owing to circumstances beyond our control ( delay from county, easement relocation ) the construction was delayed. The bank extended the loan accordingly and now they are charging a total of {$5400.00} as a fee for extending the loan. In their contract it was not mentioned that if the loan is extended owing to construction delay then a fee would be charged. Bank is citing section XXXX ( Construction and Completion of Improvements. ) of the contract to justify the fee but this section is for improvements or modification and not about construction delay. Section XXXX ( XXXX XXXX, XXXX. and Cost Overrun ) covers the Construction Delay and no such fee is mentioned in this section. 

REPLY FROM BANK : In its reply, the Sandy Spring Bank does not refer to section XXXX which exclusively deals with the delays in construction. 

According to section XXXX : XXXX. XXXX XXXX, XXXX. and Cost Overrun. Borrower shall notify lender of any cessation, stoppage or delay in the construction of the improvements. Except for delays and cessations caused by factors that are beyond the control of the borrower, the borrower shall not permit cessation of work of construction for a period in excel of fifteen ( 15 ) days without the prior written consent of the lender. Borrower shall not permit construction to fall behind schedule to the extent that the improvements can not be reasonably expected to be completed on or before the completion date. Borrower shall promptly notify lender of any even which may cause construction to be delayed or to become behind schedule and any cost overrun which will or may cause the total cost of construction to exceed the estimate.

This section does not mention any fee that can be imposed if the construction is delayed owing to the circumstance 's beyond the control of the borrower.

Section 4.02 indeed state that : If the completion date is extended by written notice, the borrower hereby authorizes and directs the lender to charge and assess the lender 's usual and customary extension fee for granting such extension and deduct such extension fee from the next draw due to the borrower and/or to add such extension fee to the principal balance of the loan. 

However, the reason of written notice is not mentioned in this section. In one way, it gives the bank freedom to impose any fee just by sending a written notice of any kind without going into the cause of the delay.

In view of above, I will appreciate if CFBP look into the matter to protect the borrowers from such lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, {$14000.00} XXXX XXXX XXXXXXXX : XX/XX/XXXX, {$500.00} XXXX XXXX : XX/XX/XXXX, {$1400.00} XXXX XXXX XXXXXX/XX/XXXX, {$400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2100.00} In accordance with the fair credit reporting act XXXX these account has violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U, S.C 1681 Soction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 us 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt. 15 us 1692b ( 2 ) not state that such consumer owes any debt.
Product: Credit card or prepaid card

I purchased flight ticket with American Express travel in XXXX. My flights were canceled in XXXX and I was entitled to full refund of {$3400.00}. However, after 5 months I have not been able to get a refund. 

Through out the process I called in XXXX, XXXX, XXXX, XXXX and I was told to wait for 30-45 days. However, on XX/XX/XXXX I was still not able to get a refund. The airline company confirmed refunds have been processed. However, American Express travel still told me they were waiting for airline company after five months. 

I was also told deceptive information throughout the process. In XXXX, I was first told I was entitled to full refund yet without any confirmation email. In XXXX, I was told some agent did something wrong and I was not entitled to refund. I asked to be escalated to a supervisor and they explained to me the previous agent was wrong and I was entitled to a refund with email confirmations. In XXXX and XXXX I called twice to confirm everything was going well and got email response. 

On XX/XX/XXXX, XX/XX/XXXX, I called again since XXXX announced they have given back all refund. I dealt with in total of 1 agent and 3 supervisors who told me completely different things. The first agent first told me someone had taken my refund out of queue ( even with my constant confirmation during the process ). Since it did not make sense, I asked to told to a supervisor. The supervisor on  XX/XX/XXXX told me I will be refunded in 5-7 days and an email will be sent. Yet I did not receive confirmation email. Thus, I decided to call on XX/XX/XXXX, the first supervisor send me an email saying it will be refunded in 30-45 days and up to the airline company, which is totally inconsistent with what the other supervisor has said. I called again and the third supervisor told me they are still waiting for airline which was contradicting to the other supervisors. 

The time frame they have promised have been long passed. I was also misled with inconsistent information.
Product: Credit card or prepaid card

I've had several charges on my cash app card of which are unauthorized. I have disputed with cash app and been denied. I recently had my banking info that was associated with cash app compromised which I believe is where these charges stemmed from. I know they are currently under investigation for not properly investigating fraud claims. I feel like at this point they are actively aiding in my funds being taken fraudulently.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been the victim of identity theft, which has resulted in fraudulent accounts being opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that all fraudulent information be blocked and deleted from my credit report immediately. 
The specific fraudulent accounts that need to be removed from my credit report are as follows : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}
Product: Money transfer, virtual currency, or money service

I mistaken added money on my XXXX play wallet and I can't use it because I'm not currently in U.S, what am I gon na do now to get my money back on my MasterCard account or equivalent?
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2024, I received another email from XXXX stating that I applied for a loan. I did not and have not ever applied for a loan through prosper.com. I have no inquiries on my credit report since I have never applied for a loan or any financial instrument from prosper.com, ever. They responded to my XX/XX/2024 complaint stating I applied for a loan from them but I did not and did not XX/XX/2024 but received another email stating that I have. Please escalate this issue or give me any information I can use to stop prosperXXXX from sending me emails stating I have applied for loans from them but I have not. This is an issue that a company can falsely accuse you of apply for a loan without having any information to support their claim of accessing my credit profile. This is a predatory practice that should be investigated and they should be held liable for their fraudulent actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote a letter to Experian to pursue my rights to request information on the method Experian used to obtain their verification, as well as the details of said verification.According to the law, it is my right to receive proof of the verification and if that proof is missing, to have the inaccurate entry deleted. Since you failed to furnish the information you used to validate the information used with XXXX XXXX XXXX XXXX on my credit report. This is my notice to sue under section 616 of the FCRA due to non compliance on your company part. The following items are unverifiable which is why you haven't submitted the information used to validate this information. 

Legal actions that can be taken : Defamation, financial injury US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. Extent of damages incurred by the wronged party as deemed by the courts. 
Defamation, willful injuryFCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX XXXX Case 115 F.3d 220 XX/XX/XXXX, Filed ( D.C. No. XXXX ) .Extent of damages incurred by the wronged party, as deemed by the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Regarding Credit Report Dispute Dear Sir/Madam, I am writing to file a formal complaint against all 3 credit bureaus for their handling of a dispute related to a charge-off on my credit report. I initially disputed this charge-off with Credit Bureau in XX/XX/2023, requesting verification of the debt. Despite my request, Credit Bureau has verified the charge-off without providing me with the method of verification or any proof of the debt. Here are the details of the disputed item : Account name : XXXX XXXX XXXX XXXX Account XXXX :XXXX  XXXX Acct XXXX XXXX.. XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX I believe that the Bureaus actions are in violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to provide consumers with accurate information about their disputes. I kindly request the CFPB to investigate this matter and ensure thXXXX XXXX XXXX XXXXplying with the FCRA. I also request that the charge-off be removed from my credit report because the bureaus can not provide proof of the debt. Please find attached copies of my correspondence with Credit Bureaus for your reference. COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr Cooper marked me late on a mortgage payment in XX/XX/2023. This is false. Please remove this immediately from my report or Ill have to take legal action
Product: Credit reporting

I have never had an account with XXXX energy. My electric services when living in XXXX NC was with XXXX XXXX for some years ( which was taken over by XXXX XXXX in XXXX, i believe that is when the merger happened ) and I never had a lapse in my electric service due to an amount due. In XXXX I moved out of XXXX and have had my electric services with XXXX XXXX since. I did contact 'Online Collections ' in XXXX of XXXX and requested documentation outlining what the debt was for along with the time frame debt occurred. I was told ' You just dont like to pay your electric bill ''? I was also told XXXX energy sent me this information and I should pay this bill. I replied with if you can supply me with documentation that this is my bill .., I will happy to pay. Online Collections then indicated on my credit report that I agreed to pay and now am disputing. As well they never have supplied me with any NONE nothing.., documentation at all.