23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened an American Express XXXX XXXX card on XX/XX/XXXX to earn a welcome bonus of XXXX membership points after spending {$15000.00} on my card within the first 3 months. I got the card and met the minimum spending requirement. I checked with the American Express customer service team on XX/XX/XXXX to confirm that my spending requirements were completed to earn the welcome bonus. I was given a response that Treasury payment to IRS did not count towards earning welcome bonus. I chatted with American Express customer service on XX/XX/XXXX again and I requested him to open a case to his supervisor investigate my issue. The representative denied my request and said that IRS payment was not eligible for welcome bonus points, however they were eligible to earn regular membership points. IRS tax payment is XXXX of the ways, I had planned to meet minimum spending requirement on my Amex card. I do not see any specific disclosure from American express that IRS tax payment will not earn welcome bonus. This card has a hefty fee of {$690.00} and I request Amex to research the issue and help me out. Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 ASK TO TAKE A FRAUDULENT INQUIRY OFF MY REPORT
Product: Checking or savings account

This is a following up complaint of complaint XXXX. 

Chase Bank has been holding {$30000.00} of my funds for over six months, without providing any updates or resolution. Initially, Chase stated that they were unable to verify a check I deposited due to issues with phone numbers for the maker. Despite my cooperation in providing the information requested, Chase has not taken additional steps to verify the check or resolve the issue. 

I am concerned about the lack of transparency and effort from Chase to verify the check through alternative means, such as contacting the issuing bank or reviewing the deposit documentation. The extended delay has caused significant financial strain, and six months is an unreasonable length of time to hold my funds without any clear progress.
Product: Vehicle loan or lease

I have some late fees, that I'm well aware of, and am paying extra back on each monthly payment to catch up. 
GM Financial is the company, and they call EVERY DAY/ALL DAY to remind me that I owe them money, regardless of how many times I told them what days/times I work. 
I have clocked off of work so many times to answer their call to tell them that I am at work - when I'm off - and to call me then. 
However, since they call EVERY DAY, all hours, I decided to stop answering their calls and just maintain my account through the online service, as I was before any debt occured. 
I just want them to STOP calling. I know I owe money, hence why I'm paying extra every month, sometimes TWICE a month.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please be advised that this is my Second WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report you are in violation of 15 USC 1681. I have requested that you investigation and reinvestigation the unverified items listed below that remain on my credit report. As you are in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these ITEM BELONG TO ME without any proof. Who in your company verified these accounts? How did they verify them? Again Please provide me with the name of the individual there address, and telephone number. Also, why did you not send me copies of the verification like I asked? As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the account they report on and their responsibility must consist of something more than merely parroting information received from other sources. The court have order that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ) .You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' XXXX XXXXXXXX Never Late XXXX XXXXXXXX Never Late - XXXX Never Late, XXXX XXXX XXXX You also stated that Adverse Account meaning accounts that has not been paid, been transfer or sold or date from first DELINQUENCY will stay on the report for seven years. I'm requesting that you send me documents of this.
Product: Mortgage

To whom it may concern : My note was SOLD to Freedom. They notified me that I was eligible for a refi. In XX/XX/XXXX my refi was completed and my new payment amount was {$980.00}. During this time I was also filing for my 100 % tax exemption and it was totally chaotic due to misinformation, account errors and NO ONE that would answer my questions or, for that matter, even knew how! The exemption was finally processed and my payment went down to {$850.00}. Then they told me that my new payment starting in XX/XX/XXXX would be {$800.00} and my escrow was a positive {$1300.00}. Then I received an apology that they had misread and I was negative {$1300.00}. and they had to collect a payment, in XX/XX/XXXX, of {$1200.00} to make it so. I demanded a recalculation and that XXXX payment went down to {$840.00}!?!?! During this process I have received 5 different amounts that I was negative and the one positive making it 6 DIFFERENT amounts quoted for ONE solitary charge!!! 
XXXX- {$1300.00} pos XXXXXXXX {$1300.00} neg XXXX {$1400.00} neg XXXXXXXX {$1500.00} and some neg XXXXXXXX {$1700.00} and some neg XXXX {$1800.00} and some neg but it was less than XXXX Now I am told my new payment going forward will be {$890.00}. 
Principal and interest- {$590.00} Escrow- XXXX Warranty payment- {$51.00} NOW they have not only come up with a new amount but, a different format because they have combined my reg escrow and my shortage!! And also the 2 months cushion they require DOES NOT SHOW UP ANYWHERE!!! 
It is now broken down : {$93.00} for reg escrow {$150.00} for shortage NOW take {$150.00} XXXX XXXX and I am being charged {$1800.00} as my escrow shortage. 
I have requested a COMPLETE printout of each and every transaction since day one with Freedom. My request was in an email and totally dismissed!!! 
You should know the other variables. XXXX XXXXXXXX XXXX sent Freedom a bill for {$1600.00} in XX/XX/XXXX. The county tax accessor and treasurers office denied this in an, in person, visit to both of them and were very emphatic that I had a XXXX balance as of XX/XX/XXXX and had not and would not receive any future charges. Also I was sent a check for {$2000.00} that was supposed to be sent back to them. I did not return it but, did contact Freedom on how to make extra payments towards escrow. It was calculated, with my current escrow amount that I would only be short a few pennies more than {$350.00}. That amount was not needed in my account until XX/XX/XXXX. At that time I had 10 months in which to repay it!!! 
XXXX AND XXXX is always XXXX!!! Horizontal and VERTICAL columns must ALWAYS match!!! I DO NOT consider ANY of this true and correct because every-time they have recalculated I am owing more and more in shortage!!!!! There is NO EXCUSE for all these DIFFERENT amounts!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Freedom acct # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> ( XX/XX/year> ) XXXX XXXX XXXX ran a Hard inquiry for a home loan without my authorization. I was told by XXXX XXXX several times in writing that her company WILL NOT run a Hard inquiry until we had finalized the loan, her company runs soft credit checks to gather information. 

I filled out a VA home loan request in which XXXX XXXX XXXX ran a hard inquiry for an FHA loan, then her company ran my credit again making that XXXX hard credit pulls without ANY authorization! I was told by XXXX XXXX she would have those hard inquiries removed and she never did. 

I requested a copy of the report her company pulled, and she refused to send me that information as well as refusing to give me the rates for the FHA loan her company put together when she ran my credit for the first time without authorization. 

I had a co-worker recommend XXXX XXXX XXXX  to me because he used this company for his XXXX XXXX XXXXn. I was told by XXXX XXXX XXXX  they had ran my credit. I was very upset, I told them I was VERY upset and told them I was busy, I would call them back when I got off the phone with the VA. 

During that time XXXX XXXX discussed MY Home Loan information, my details, my credit worthiness and personal information with my co-worker again without my authorization. Then this company told me to go with another mortgage company and refused to assist me anymore after they had violated my trust, my private personal information and hurt my credit. 

I am requesting that the Hard inquires on XXXX, XXXX, and TransUnion be removed from my credit report for the following reasons : XXXX. This hard inquiry was Unauthorized. 
XXXX. This company gave out personal information to a third party without authorization. 
XXXX. This company refused to give me the results of the inquiry. 
XXXX. XXXX XXXX XXXX  refused to remove hard inquires from All three ( XXXX ) credit bureaus when requested. 

A. XXXX inquiry on TransUnion XX/XX/year> B. XXXX inquiry on XXXX XX/XX/year> XXXX XXXX inquiry on XXXX XXXX XX/XX/year> XXXX XXXX inquiries on XXXX XX/XX/year>, XX/XX/year> I have requested the XXXX and mortgage XXXX 7 times with XXXX XXXX, and she has refused or given an excuse every time. She has not given me the numbers they ran that day. 

To qualify for a XXXX XXXX XXXXXXXX I needed a credit score of XXXX, I had the credit score, even if I didn't qualify for a XXXX XXXX XXXXXXXX XXXX XXXX  should have contacted me so I could have authorized a hard pull on my credit to see if I wanted to use a FHA XXXX and give up all the benefit 's XXXX XXXX XXXXXXXX has to offer and to give up what I fought hard to earn. I didn't suffer in XXXX to have my XXXX loan thrown aside because your employee made a mistake, XXXX XXXX XXXXXXXX is a lot better than a FHA XXXX. It just doesn't make sense what your company tried to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Product: Mortgage

I am following up on my prior closed complaint with XXXX by addressing my concerns with my previous mortgage holder, Guaranteed Rate. The issue stems from a significant oversight regarding flood insurance coverage on my property in XXXX, which has resulted in financial repercussions for me. 

As a XXXX individual on Social Security XXXX for many years, I had diligently managed my mortgage with Guaranteed Rate until it was transferred to XXXX XXXX in XXXX XXXX Despite maintaining an escrow account to cover taxes, homeowners, and flood insurance, I was unaware of a lapse in flood coverage until notified by XXXX in XXXX, XXXX. This notification came with the requirement to purchase supplemental insurance or accept a XXXX policy due to insufficient coverage. 

Upon investigating, XXXX informed me that Guaranteed Rate had ceased payment on my flood insurance premium after initiating it in XX/XX/XXXX, just before the mortgage transfer. This negligence led to a loss of my grandfathered insurance rate and substantial financial burden, forcing me to opt for XXXX insurance on a fixed income. 

In response to my inquiry, Guaranteed Rate stated that they stopped payment on the insurance premium upon the mortgage transfer, citing procedural reasons without prior notification to me. This action has directly impacted my monthly mortgage payments and insurance costs, pushing my budget beyond sustainable limits.
Product: Credit card

I recently made a payment agreement to American Express and AMEX representative submitting more than amount I original agree to, which cause my personal banking account to be in the negative. I reached out about the situation, AMEX stated they could not help me with the Unauthorized payment as it was proclaimed scheduled. I don't understand how it would be consider scheduled when I did AUTHORIZE the amount. AMEX did this more than once causing my XXXX  to go thru the roof. AMEX can only provide a script of how sorry they are, that is not good enough, stop the payment. This UNAUTHORIZED payment cuz me to get RETURN PAYMENT FEE, when this is clearly AMEX at fault.
Product: Debt collection

Fraudulent account CBE Group Inc- Formerly XXXX  was deleted XX/XX/year> due to no proof it was my debt. Now two years later this same account is back on my report for XXXX and XXXX. The Fair Credit Reporting Act requires credit reporting agencies to ask the data furnisher to certify that the information is both accurate and complete before the information can be reinserted. The information is not accurate or complete because the collection does not belong to me. The account should be deleted permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items still on my report that are not accurate. I had submitted a dispute for an investigation and a response into these issues on XX/XX/XXXX and I never received any reply from any bureau. I sent a follow-up dispute at that time which was on XX/XX/XXXX. I still have nothing from any of the bureaus and today is XX/XX/XXXX. I don't feel that a proper investigation has been completed since there has been no verifications made and no response received. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional acceptance, XX/XX/2019, the car was an ex of mine who did not pay the car off because the engine went out and he did a voluntary repossession with out my consent.
Product: Mortgage

A mortgage company has a foreclosure listed on mine and my husbands credit report. 
We sold our home in XX/XX/2021 ... .so, there was no foreclosure and yet, the mortgage company that held this loan listed a foreclosure on our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromize, accounts that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's into to this complaint, a plolice report will be filed as is requested by FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling and resolving this matter with all 3 credit bureau and was not able to have any success with the credit bureau The listed item is entirely inaccurate and incomplete, and represents a very serious error their reporting the purpose of filing a complaint with the Consumer Financial Protection Bureau is to have you to do a fully investigation baring my signature I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), that the credit bureau may be liable for willful may result in a small claims action against all company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act The credit Bureau also stated to the CFPB that all information that i reported back in XX/XX/XXXX the information was not being reported on my credit report from XXXX XXXX XXXX and stated that i will be receiving another copy on my credit report but how is that true when i just uptrained another credit report my self and was sent out back in XX/XX/XXXX this is grounds for deletion and a violation of my rights I would like to have this via an online public press release all 3 credit bureau violated state law 15 U.S.C 1681 section 602 A. states i have privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reportion agency can not furnish a account without my written instructions please remove XXXX XXXX XXXX AND XXXX XXXX XXXX as is it a violation to state law with the reportion that is being reported on my credit report
Product: Debt collection

PRINCE PARKER KEEPS CALLING MY CELL 13 TIMES AND HAVE 3 SCREEN SHOTS. THEY ARE CALLING FOR OTHERS. AND IS REPORTING ON OUR XXXX CREDIT REPORTS.
Product: Debt collection

This account with XXXX XXXXXXXX bank has been paid as what was agreed on XX/XX/2021. I asked for a pay to delete when i paid this account as agreed. This account has been paid in full; and I am currently awaiting for the deletion letter as I am under contract for a house. Can someone please help me get this deletion letter asap due to this error.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, 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 XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.