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

Bank of America on XX/XX/XXXX sent me a letter informing me that my risk profile somehow no longer aligns with the bank 's risk tolerance. They sent me this letter XX/XX/XXXX, which was just 4 days before my due date. They currently owe me XXXX points, for the purchases I made on my account from XX/XX/XXXX to XX/XX/XXXX at the very least, which is the date that they made the decision to close my account. I was a BofA Platinum Honors member and I thought a very good customer. I never missed a payment, always paid in full, have a great credit score etc etc. I am owed these points for the purchases I made and it is absolutely abhorrent that they think it is okay to steal peoples points just because they randomly think that someone is now a different risk. I believe this has to do with the Coronavirus and treating people unfairly because of it. That is the only thing that has changed with my risk profile. So I want Bank of America to give me my XXXX in the form of a credit to my checking account, which represents the points I earned from XX/XX/XXXX to XX/XX/XXXX the date that they closed my account.
Product: Credit card

Hi, I am an account holder of American Express Macy 's credit card ending XXXX. There were XXXX fraudulent transactions of {$200.00} each dated XX/XX/2015 totaling to amount {$620.00}. I closed my account instantly and AMEX sent me a new Credit card ending with XXXX. 
Due to automatic payment set up for my credit card, the payment of {$890.00} was made to AMEX as on XXXX/XXXX/2015 which was inclusive of the fraudulent charges. I have been following up with AMEX since last 3 months by phone and written communication to reverse the fraud charges but all they have been doing is to confuse me and pass around different supervisors and fraud team. I had sent the fraud claim form with scanned copy of my Driving license using priority shipping as a prerequisite and they do n't seem to acknowledge that they have received the form. 
They have also disabled the viewing of the online statement as the account was closed and after requesting them repeatedly to send me the latest statement they have just not done it and neither have they bothered to call me back ever when I was told atleast 5 times by the call center rep that a Supervisor will be calling me to discuss my case completely. 
I am completely helpless on the solution to my problem. I have bank statements and responses from the AMEX team proving my point.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX received my dispute letter on the following dates according to returned receipts : XX/XX/2018, XX/XX/2018, XX/XX/2018. 

XXXX XXXX continues to report unverified accounts and inaccurate information. 

XXXX XXXX has not provided this consumer with the information of How these accounts were verified as accurate by virtue of proper documentation containing my signature binding me any these negative accounts and debts owed. 

XXXX XXXX is Now is violation of the FCRA and continues to be in noncompliance.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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

-JPMCB Card # XXXX & XXXX is reporting a late on my credit report for XX/XX/2020 XX/XX/2020 XXXX I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 &  being Quarantined since XX/XX/2020 and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XXXX I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys would do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name XXXX XXXX XXXX XXXX XXXX Names ) Address XXXX XXXX XXXXXXXX, XXXX XXXX, MD XXXX ( Correct Address ) With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I Recently had all of My american Express cards put under review and subsequently shut down. I have been using American Express for almost 10 years and was never once late on payment and had an impeccable track record. They closed me down because my income did not justify my spending. Although I do not agree, it is their right to do as they wish. They had issued all of the points in my accounts from statements that have closed, however there were XXXX points that were from the most recent statement that has not yet closed that they confiscated. Attached is a picture of my American Express points account from XX/XX/19 at XXXX XXXX XXXX. I called them to try to have them redeemed and they said they can not redeem them being that the account is closed. In addition I have 2 XXXX XXXX cards that also had open statements and the points were discarded. The last time I received XXXX XXXX was XX/XX/19. The spend since then was {$25000.00} which would be XXXX points that should of been rewarded to me. This is justified spending that i did and these points belong to me. Each amex point is worth XXXX cents and each marriot point is worth XXXX cents which is a total value of {$5800.00}. It is unfair how how large company like American Express could take advantage of a young hard working man trying to feed a family and confiscate such a large value unjustly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Demand for Immediate Removal of Unauthorized Account and Compensation for Violations Dear LVNV Funding LLC, I am writing to formally dispute the account ending in XXXX, which you have fraudulently acquired and reported under my name. I did not give consent for my information to be bought, sold, or used by your company, and you have no contract with me that bears my wet-ink signature to validate your claims. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), you are required to provide verification of any alleged debt, including a signed contract between myself and the original creditor. If you have purchased this debt, I demand that you provide : 1. Proof of the buyout contract from the original creditor, including the amount you paid for the account.

2. The original contract that contains my wet-ink signature proving I agreed to this debt.

Additionally, your unauthorized acquisition and use of my personal information without consent violate federal identity theft protections. I have already submitted an Identity Theft Report with the Federal Trade Commission ( FTC ) ( Report No. XXXX ), and this matter is being documented for legal action. 

Per the FCRA, you are now required to : Immediately delete this account from all credit reporting agencies. 
Cease all collection activities related to this account. 

Failure to comply will result in legal action, as your violations have caused me emotional distress and financial harm. I am demanding {$1000.00} for statutory damages under the FDCPA and an additional {$5000.00} for emotional distress, payable to XXXX XXXX XXXX at the address provided above. 

This letter serves as official notice under 15 U.S.C. 1692c ( c ) that you must cease all communications with me regarding this matter unless providing written proof as requested. 

Please respond within 15 days of receiving this letter. If you fail to comply, I will pursue legal action and report your violations to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute two items on my credit report : a charge off account from XXXX XXXX with the account number XXXX and a charge off account from XXXX with the account number XXXX. 

Upon reviewing my credit report, I found that these accounts were reported inaccurately. I do not believe that I owe the reported amounts, and I have not been provided with any documentation supporting the reported debts. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and to receive an investigation of the disputed information. Additionally, the FCRA requires that information on my credit report be accurate, complete, and verifiable. 

I am requesting that these accounts be investigated and verified by the credit reporting agencies. If the accounts can not be verified, I request that they be removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is still reporting account that was over year ago reported as Unauthorized ID fraud from  XXXX   XXXX  this is still causing harm and must be corrected removed
Product: Checking or savings account

This has been a nightmare. Recently I have noticed that this bank really does not care about its customers. So several times I have had to contact them. Recently, I went through my account and noticed that Chime allowed transactions to occur that were not authorized. I filed the necessary complaint and sent in the proper paperwork and chime denied the complaint. I then asked for a rebuttal resubmitted the rebuttal along with proper paperwork also showing that I dont even have an account with this company and asked Chime to send me their documents. They sent me something that does not line up with what I have. As a matter of fact what they have is Not documents its just a printout from a computer screen.
Product: Checking or savings account

This complaint is on behalf of both me and my husband ( XXXX XXXX XXXX, who both own the accounts being discussed. We had a savings and two checking accounts with Discover Bank, which have been open since around XXXX. On XX/XX/XXXX, we received a notice via email that due to unusual activity, our accounts had been suspended and to call Discover immediately. I called Discover ( XX/XX/XXXX ) to inquire about the issue, and I was directed to the fraud department. Once connected, I was told that due to a business decision, our checking and savings accounts were being closed, and we would receive our balance in the form of a check via mail. I asked what the reason was, and I was told that they are not able to share that information. I asked if there was a way to appeal this decision, as these were our primary banking accounts that contain a large portion of our money. I shared that these accounts are where our pay checks are directly deposited and from which bills are paid. I was told there was no way to appeal this decision and that it was final. Later on that day ( XX/XX/XXXX ), XXXX called Discover again to ask for more information, and he was again told that there was no information that could be provided to us and that we would receive our remaining balance by check via mail. XXXX called Discover again on XX/XX/XXXX to ask for an update on the status of our check with the remaining balance, and he was told that they could not provide an update on either the reason for account closure or the status of our check. It has now been over 45 days since we were notified of the closure of our accounts, and we have still not received the remaining balance of our accounts. Totaling our two checking accounts and savings account, there should be around {$15000.00} that we are unable to access because Discover has not returned our money to us. This has caused a significant financial burden on our family. We are very frustrated with the lack of communication from Discover and with the slow return of our money.
Product: Payday loan, title loan, or personal loan

I, XXXX XXXX XXXX XXXX XXXX authorized representative for XXXX XXXX XXXX attempted to remain in honor with XXXX XXXX XXXX  ( previously named FREEDOM DEBT RELIEF ) by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S . Postal Money order. Which clearly states at the bottom that it is a negotiable instrument, which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provisions based on banking law, in the amount of {$10000.00}, in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311, U.C.C. 3-114 and public law for negotiable instruments to XXXX XXXX XXXX on XX/XX/2023. It was delivered to the company on XX/XX/2023 and they accepted my instrument, but did not credit my account correctly. I did call on XX/XX/2023, and spoke with a representative named XXXX. Recording will be attached. I let them know that the payment that I sent in via a U.S. Postal Money Order ( an ambiguous negotiable instrument ) was only credited as {$10.00}, which is incorrect. They said they will open a dispute or investigation, but nothing ever came of that. Therefore, because XXXX XXXX XXXX did not apply the correct amount or discharge the amount, they currently stand in dishonor of the law by not applying the proper payment. 
The payment that I provided was legal tender. Even with the ability for the instrument to remain negotiable, which is an even greater benefit for them, they have refused to honor it. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing illegal acts, interfering with commerce, committing securities fraud and are currently in dishonor as their practices are against the laws in which our country is built on.
Product: Credit card or prepaid card

I been XX/XX/XXXXsince XXXX and someone has gotten access to my debit card and personal information and been taking all my money out my account and making purchases online
Product: Credit reporting or other personal consumer reports

In early XXXX XXXX XXXXXXXX, I was stricken with XXXX, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During this troubling time I was late on my payment to XXXX XXXX XXXX Balance : {$0.00} Under the CARES Act, if credit bureaus had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the COVID-19 pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the CARES Act required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning XXXX was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, credit bureau may have grounds to dispute the late payment. The account was late on XXXX when I was ill with XXXX. This account should not be delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES ACT. Thoroughly investigate and update with lawful accuracy.
Product: Payday loan, title loan, or personal loan

i received a {$9000.00} loan from XXXX back in 2015. The payments were set up by direct deposit. In XXXX of 2015, XXXX stopped collecting payments from me and stated that the reason why was because my bank account was closed. Even though i informed them numerous times that my account was not closed, and even paid them using the debit card from the account they stated was closed, the company still refused to reinstate my direct debit, which was a part of my loan agreement. When i could no longer keep up with the payments because i had to keep calling their customer service number every time i needed to make a payment, incurring late fees if i did not make it in time, i refused to keep making the payments until they fixed the issue that was resulting in my not being allowed to keep my loan agreement. Furthermore, the balance on my account was not shrinking, no matter how many payments i made, as the balance stayed at {$10000.00} and they refused to send me a copy of my account ledger. After my refusal, XXXX sent me to their collections company called XXXX XXXX XXXX sent me a notice stating that they would settle for {$5300.00}. I informed XXXX that the {$5300.00} was close to my balance when i stopped paying the account, not the {$10000.00} they were trying to collect. I also asked XXXX for an accurate account ledger, listing all the payments made to this account. To this date, i have yet to receive one. They have placed this account on my credit report as a collections in the amount of {$10000.00} and have never sent me an account history nor a ledger, as i have repeatedly requested.
Product: Credit reporting or other personal consumer reports

I have requested proof off debt and any sign agreement or contracts related to the fraud account.,
Product: Money transfer, virtual currency, or money service

I am feeling a complaint against Cash App ( Block , Inc. Due to inadequate customer service and unfair practices. which violates the consumer financial protection act. ( CFPA ) pacifically cash app failed to take timely and effective business to address fraud on their platforms, my account, vulnerable and unprotected. Furthermore. The dispute resolution process was unfair. And deceptive. They did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and Regulations E. These actions has caused significant a convenience and financial loss and I seek appropriate redress of these violations.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at Collection on XX/XX/2024 under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to these items cease pursuant to my rights under the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.