23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

American Express issued a business credit card to my business. However after I was unable to pay the bills b/c the business flopped. Amex proceeded to sue me in court peronsally and hold me liable under a joint and several clause they put in the contract. I think this is a decieving move, and since I used an LLC I was sheilded from business debts. However AMEX was allowed to sue me and win arbitration due to the contract clause. My question is how is AMEX allowed to extend credit to a consumer or an indvidial without the proper UCC disclosure about cosign on the credit application. I believe AMEX is using unfair tactics. They should be investigated and fined.
Product: Student loan

Since 2010, I have been completely unable to complete a file for income based repayment. They would either 'lose ' my application, which at first was only able to be submitted via mail, and force me to resubmit, I 've done this plenty of times a year since 2010 and checked up on it but every time they forced me to accept deferment so I would n't pay but interest would still incur. They refused to acknowledge that I 've applied for IBR at any point in the last -7 years- and kept forcing me to defer. Even when I was able to put the application through online, there has been -no- action on it besides " Submitted '' even after sending in my IRS return as proof.
Product: Consumer Loan

Aqua finance, financial systems of greenbay and there investors are increasing there harassment again. We are a little behind in our mortgage and I guess they think this a opportunity to incorporate there extreme harassment tactics. Since Monday were having problems with our cable service, we 're having major telephone harassment, on yesterday XXXX/XXXX/15 a truck driver driving a semi acted like he was going to run me over and yes he was looking directly at me! The harassment intensified on Monday and is still continuing. There trying to intimidate us into not paying our mortgage there by going into foreclosure and ultimately loosing our home. That was there goal from the beginning and in my opinion AQUA Selling us that defective equipment was a set up from the very beginning! We 're constantly reading various stories on AQUA 'S rip off and complaint web site that show that AQUA is using the same harassment tactics against people all over the U.S. Whenever I case ends up in court, we will reach out to as many of AQUA 'S victims as we can to testify. We will also get as much media as we can involved! We are n't abandoning our house and we wo n't be intimidated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the credit bureau to have them remove these inquiries off my credit report and I got a response back stated these items are not removed and I'm request this again to have it removed immediately! None of these inquires are mines. I have not never contact these companies nor gave these companies my information to have them check my credit profile. 

Please have these remove immediately 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, I'm XXXX XXXX have this remove or Ill have to procced with legal actions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX Account number XXXX Account XXXX XXXX XXXX Account number ; XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account number XXXX Account name : XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX These accounts, have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The results of a recent credit investigation conducted by Experian regarding a charged-off account reported on my credit file. The investigation was not completed accurately, and I did not receive proper verification of this account as required under the Fair Credit Reporting Act ( FCRA ). 

Despite my request, Experian failed to provide original documentation from the original creditor verifying the accuracy of this charge-off. Instead, the account was updated as a charge-off once again without furnishing any proof to support the claim. This practice is both misleading and a violation of federal law. 

FCRA Violations & Request for Removal Lack of Proper Verification FCRA 609 ( 15 U.S.C. 1681g ) I requested full documentation proving the validity of this charge-off, including the original creditor agreement and payment history. 
Experian failed to provide this yet still updated the file. If proper verification can not be provided, the account must be deleted immediately. 
Inaccurate & Misleading Reporting FCRA 611 ( 15 U.S.C. 1681i ) A charge-off is a one-time event, yet Experian is updating it monthly, making it appear as ongoing delinquency. This is misleading and damaging to my credit profile. 
I demand immediate removal or proper correction of this account.

Failure to Ensure Accurate Reporting FCRA 623 ( 15 U.S.C. 1681s-2 ) The furnisher is legally required to provide accurate and complete information to Experian. 
If Experian is updating this charge-off without verifying its accuracy, it is failing in its duty to maintain correct records. 
Security & Accuracy Concerns Due to Experians Data Breach Given Experians recent consumer data breach, I have serious concerns regarding the accuracy and security of my credit file. 
As Experians security failure has compromised consumer information, I demand heightened verification standards before any negative information is updated. 
Final Request & Next Steps If Experian can not verify this charge-off with full, original documentation, I demand its immediate removal from my credit file. 

I expect a response within 30 days as required by the FCRA. If this dispute is not properly investigated, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please provide written confirmation of the resolution to my dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act XXXX XXXX  # XXXX XXXX XXXX, # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX 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 writing instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has inaccurate data on my report partially from their own mistakes and the other from JCMB Chase for reporting a payment late that was not. 

XXXX XXXX Dispute System is broken and twice charged be {$27.00} without warning for a dispute system that failed to generate a dispute. Telephone calls to XXXX were fruitless with significant language barriers. Customer service represents verbally said they would file the dispute but none ever was filed and I never received feedback. 

Dispute attempts were made on XX/XX/2021 and XX/XX/2021 but no results yet I was charged both times. 

XXXX also has telephone security inadequacies and would not put a password on my account as I requested. Authentication is minimal to telephone access my information. 

Chase reported inaccurate information 5 years ago and XXXX does not recognize all the inconsistencies in the report. This is the ONLY detrimental report ever on my long credit history.
Product: Mortgage

My loan has been sold to Loan Care XX/XX/2016, I have called, emailed many times to make sure they have my tax info, I finally received a email stating they do n't pay the taxes on the house ( not sure why that have a escrow with XXXX $ and my loan docs have the escrow )? I called was on the phone for an hour, the man said he will expedite my tax records to the escrow dept. That was 4 days ago, and still no confirmation they have them and are going to handle this. I have never dealt with such a nightmare of a company. I need to make sure they have my taxes that I have sent multiple times and rest assure this will be paid in a timely manner. I really an terrified that they have me by the throat, they have my home.. If I would have know n this is what the future holds, I would have never refinanced.. I would have stayed with XXXX XXXX.
Product: Mortgage

Mr. COOPER continues violating government requirements by not sending monthly mortgage statements, as they assured and are required to do. Since they have purchased of my mortgage it has been necessary for me to file three ( 3 ) complaints previously ( listed below ). Now, I have only received one ( 1 ) mortgage statement since the initial payment due date of XX/XX/2019. 

XXXX ( XX/XX/19 ) XXXX ( XX/XX/19 ) XXXX ( XX/XX/19 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXXDOFEDXXXX XXXX  XXXX XXXX XXXX XXXX XXXX U SDEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

it is showing that I missed a payment for XX/XX/2021 on my XXXX XXXXXXXX credit card and I have never missed a payment I have filed a dispute with XXXX, transunion and XXXX about my XXXX XXXXXXXX account ending in XXXX under section 609 of the fcra my consumer rights are being violated.
Product: Credit card or prepaid card

Sometime between XX/XX/XXXX and XX/XX/XXXX I redeemed XXXX points for a {$50.00} XXXX XXXX for a XX/XX/XXXX XXXX XXXX cruise. XXXX hit an my cruise was cancelled. 
I was finally able to rebook my cruise for XX/XX/XXXX and as of today the {$50.00} credit hasn't posted to my new booking. I contacted XXXX XXXX and they indicated they can resolve the issue if Bank of America provides me with the transaction id associated with the redemption. Bank of America only retains redemption records for 18 months and is unable to provide me with the necessary information to use my {$50.00} Credit. Additionally their online statements which have an 8 year retention period don't include this required information for me to provide their XXXX. Understanding that XXXX was an unpredictable circumstance and in a normal circumstance an 18 month retention of rewards redemptions may be sufficient ; I have concerns that significantly more customers besides myself have been impacted by this scenario and may not even realize it. And for those that do recognize the error Bank of America isn't equipped to resolve and remediate the issue. I requested a courtesy adjustment of the XXXX points so I could just re-redeem in lieu of the transaction id and I was advised it could take months to research. I've attached my statement as evidence of the redemption and lack of critical information needed to work with their partner on resolution.
Product: Credit card or prepaid card

On XX/XX/2019 I went to the Bank of America to see about using an offer from them sent in the mail to consolidate high interest credit debt. They initially had trouble with the mailing 's code, but overrode it. On XX/XX/XXXX, I attempted to make a payment on a XXXX Visa card only to find that Bank of America had paid {$5700.00} to this card on XX/XX/XXXX without my authorization. I had not even activated the Bank of America account and had no intention of paying the XXXX account using Bank of America. I placed a complaint through XXXX  and Bank of America did not show proof of my authorization, yet they have closed the fraud inquiry. This has not been resolved to my satisfaction as they insist I abide by their ruling.
Product: Credit reporting or other personal consumer reports

I have filed a dispute with ChexSystems regarding unauthorized inquiries and unverified information on my report. Despite the statutory requirement for completion within 30 days, it has now been 52 days without resolution. I demand immediate removal of the disputed items, as the investigation is considered over by law. Failure to comply may lead to legal action.
Product: Checking or savings account

This is my third complaint regarding Zion 's Bank. I am firmly convinced that there is a conspiracy to deliberately stack transactions in a manner that would result in illegal NSF and other fees to Zion 's bank customers.

Zion 's bank is a RICO conspiracy devoted inter alia to illicit engage in such behavior as would result in their mostly economically disadvantaged customers paying hundreds upon hundreds of dollars in illicit NSF fees.

I am currently liable for {$140.00} in NSF fees SOLELY because of the stacking of transactions. I constantly keep an eagle eye on my outstanding balance with the aid of my electronic application. Every time I use my card, the amount is IMMEDIATELY deducted falsely leading me to believe that it is helpng me ascertain my AVAILABLE BALANCE.

HOWEVER, Zion 's Bank has a delberate policy of ignoring the available balance and charging monies on the available balance in the form of NSF fees claiming that the AVAILABLE BALANCE accessible to customers is irrelevant and making contemptuous excuses in a bid to charge NSF fees.

Zion 's Bank is an ongoing criminal conspiracy which robs the most vulnerable segment of society and which should be forced to disgorge its illicit profits and shut down as a RICO operation and I respectfully seek your assistance as a US Citizen and taxpayer.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Eletronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccurate and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX  XXXX XXXX, XXXX, and XXXX  XXXX for a payment history but they told me that I can get the payment history from online. I printed out the online payment history and sent them to all three credit bureaus along with a disputed letter telling them to update my payment history to reflect the printout. They updated some payments and then changed the undisputed payments than what they were prior to the dispute. All three credit bureaus are reporting something totally different, so how are they actually being verified/validated by the furnishers?
Product: Debt collection

My name is XXXX XXXX. I have had XXXX service since XXXX XXXX. I first required their services at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The bill was automatically drafted out of my bank account every month. Between XXXX and XXXX XXXX, I called to change my adress to XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, NY XXXX. This address was XXXX block away from the previous address. They told me that there would be no problem. They did the transfer and Installation, after that I did not hear from them again. I then received a bill of {$1500.00} from XXXX and some debt collectors called Virtuoso Sourcing Group. I then called ADT to understand what was going on. They told me that is the bill from the remaining of the balance that was not paid. I explained that all I did was transfer the account to another address but that the contract should of been the same. They said that once an address is changed, the contract is done and a new one starts. I never received such information. XXXX concealed information from me and did not tell me the terms of the contract regarding the change of address and that it would have to be a new contract in the new address.
Product: Checking or savings account

JPMORGAN Chase, was notifying me to contact them because they needed more information on my claims. I ignored the messages because I had NOT filed any claims On or around XX/XX/XXXX Chase locked my debit card I called customer service and was transferred to the Fraud department. I explained that I needed a explanation about the pending investigations being conducted on the fraudulent claims and why was my debit card inactive. I informed them that I never placed these claims, which were bizarre, there were several submitted within a 7 day period and ALL of them were reversal requests on purchases and payments that I had made in XXXX. There was one current * my XXXX bill {$110.00}. * Why would I wait until XX/XX/XXXX to dispute financial services provided during the prior year?. I was asked if I had called in the claims.. ( several times ) my answer remains NO. Why won't they check Voice Recognition since Most calls are recorded?? The fraud dept. claims that my account was credited for all of the claims, I immediately informed the person that I NEVER received any of these so-called reversal credits. Which I can prove with my mobile app. I was sent a letter informing me that in or around XX/XX/XXXX that Chase would be taking back their funds from my account. I had {$170.00} in my account on the 5th my Social Security Disability check appeared in my checking account ( 2 days late ) within 24 hours ALL of my money was gone and I am now in the negative for {$310.00} Chase expects from me. I believe that government checks are exempt from being seized unless I owe child support or alimony. JPMORGAN has locked my account I went into a local Chase branch here in XXXX, XXXX XXXX XXXX asked for assistance from one of the desk employees he called somewhere the call was brief and I could tell that the person on the other end was abrupt. After the call I was informed that my accounts would be closed, and that I could NEVER be a Chase customer again and that they would return whatever funds were available afterwards approximately 10 days when their investigation would be concluded. I was a victim of identity theft ... Chase did not protect or support me as a client. I want my money back.
Product: Checking or savings account

I received a debit card in the mail from Capital One but I do not have an account. I called immediately to report it as fraud and was told the account was not opened because necessary verifications were not received. The next month I received a bank statement in the mail for the account. I spoke with a Capital One representative who said the account was open.
Product: Debt collection

I am disputing a debt fr om Com Trade. I have no knowledge of this account nor am I connected to this debt whatsoever. This debt was sent to the wrong person and I want it gone immediately. Overview You have 145 % left to pay on this collection.
Balance {$4400.00} Highest Balance {$3000.00} Opened XX/XX/2016 ( 4 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX
Product: Credit reporting

Equifax has failed to respond to my initial dispute dated XXXX XXXX, 2015. After contacting them a XXXX time on XXXX XXXX, 2015 they also failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had problem with citibank. About 6 years ago, I deposited check that I got from my friend 's parent that my friend owed me. Parents were staying in  XXXX   XXXX  and they were confused between check they had and accidentally gave me check from closed. Also, About three years ago, I got suspicuous check so I personally went to the bank and asked if the check is okay, and they confirmed so I deposited the check. Due to that transaction, citibank closed my account and ever since than, they are not allowing me to open checking account with them. Very bad customer relations