23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically, my XXXX credit reports have CHARGE-OFF descriptions listed on XXXX accounts that went DEROGATORY during a period of time in 2020 when i had Covid-19. During this time, I suffered a lack of income during my time of recovery. Recently I requested the XXXX creditors to remove the CHARGE-OFF description from my XXXX credit reports ( Experian, XXXX, and XXXX ) XXXX I have recovered economically so I was able to payoff the balances due to XXXX XXXX XXXX and XXXX XXXX 

I am requesting the CFPB 's assistance in deleting the CHARGE-OFF descriptions from the XXXX major credit consumer reporting agencies. I have sent them Certified Letters addressing this issue but to no avial!
Product: Credit card or prepaid card

I reached out to American Express to cancel my and my husbands Platinum American Express cards. I paid an annual fee for my card in XX/XX/XXXX of {$550.00} and my husband was charged an annual fee of {$170.00} in XXXX. 

Typically, when you cancel a card the annual fee is prorated and American Express returns the left over to the cardholder. In this case, since I asked to cancel the card in XXXX and I paid my annual fee in XXXX, I would get all my fees returned and my husband a prorated amount. 

( Also, I am the main card holder on the card. ) However, I was told if I canceled my card that I would get {$0.00} of my husbands annual fee refunded even though his card should have been prorated for 9 or 10  months and that fee refunded to us, American Express said they wouldn't prorate my husbands Platinum American Express because of a new policy they implemented in XXXX or XXXX. I've been an American  Express Platinum card holder for over 25 years, and I've never heard of such a dishonest, ridiculous and unfair policy. 

Why should they keep annual fees for the months where services have not and will not rendered. 

So, according to two American Express representative, I would not be reimbursed for my husbands prorated annual fee. They said my only option to retain any value of my husbands annual fee would be to covert my card from Platinum to Green. The Green has a annual fee of $ 150- {$170.00} for both of us, combined. 

However, one more catch, since I would need to switch to a Green card to get credit for my husbands prorated Platinum American Express, that the conversion of my Platinum Card to the Green Card would now be prorated instead of getting full credit for my {$550.00} Annual Fee I paid in XXXX. 

Therefore, instead of canceling my Platinum America Express cards and getting my {$550.00} and my husband 's prorated {$170.00} annual fees returned, I had to convert to the Green American Express for a cost of approximately {$200.00} for both of us. 

{$200.00} for a credit card we do not want, but it was the only way not to lose my husbands prorated fee. 

In these Covid times, this is unconscionable that I would have to pay for fees/services not rendered and be funneled into taking a Green credit card we did not want, in order to preserve value of my annual fee.
Product: Credit reporting or other personal consumer reports

Around XX/XX/year> I disputed information that was been reported on my credit reports that didnt belong to me I asked them for documentation showing I open the account with my signature and other documents that they may have. XX/XX/year> I received an package in the mail from XXXX XXXX XXXX for me to fill out information and an letter with the XXXXginal Creditor information and the amount no documents of the loan or anything just an letter for me to fill out and send back to them. I have been trying to get them to send me the original documents bearing my signature showing the date and time the loan was open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the inaccurate items listed on my consumer report. I never gave the Tri-bureaus ( Equifax, XXXX, and XXXX  ) written consent or authorization to procure or produce this information, according to 15 USC 1681 ( b ) 2. Due to the nature of this consumer report it has defamed my character to lenders and created emotional distress because of my denial of housing. Another violation which comes to my attention is 15 USC 1681B ( ii-iii ), stating that if any information has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion no later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into my consumer file that I did not give permission to produce. Please delete the accounts listed below due to several violations of the law. The companies in question for the alleged debt are as follows : XXXX/XXXX  and XXXX.
Product: Debt collection

Response to your 3rd Party Letter of Treat by Mail. 
The indictable offense of using the mails for the transmission of threatening matter. XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX From : XXXX XXXX XXXX, ESTATE c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : IC SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX XXXX Dear 3rd Party Collector, As I have NO Contract with you, you threatened me by mail and if you precede any further I will see you in Court under CHARGES OF Mail Frauds and Threats. 
As of XX/XX/XXXX I have presented a Credit Set-Off Settlement to the " XXXX XXXX XXXX XXXX '' for the Full Billing Amount, along with an IRS 1099A in full compliance with the Commercial Banking Laws of 1933. They have 3 days to comply. If they do not settle I will see them ; not you in Court and it will be under the attached Document and mail fraud charges. Furthermore if by any chance you place fraud on my credit reports remove asap, I am a SECURED PARTY CREDITOR that will report your company and said owner and workers to credit bureaus and sue for damages with a lien.

Thank you for your time and have a nice day. 
Honorably yours, By : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

They did not reveal process of verification Subject : Dispute of XXXX  Reporting Due to CFPB Lawsuit I am writing to formally dispute the XXXX  listed on my credit report. I have reason to believe this information has been mishandled or compromised, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against [ XXXX XXXX for deceptive practices and potential mishandling of consumer credit information. 

The bankruptcy, listed as [ XXXX XXXX ], is inaccurate or incomplete because [ briefly explain any specific issues, such as improper verification, outdated information, or compromise due to CFPB claims ]. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an investigation into this matter to ensure the accuracy and fairness of the information reported. 

Please investigate this matter promptly and either verify the accuracy of the bankruptcy or delete it from my credit report. I have attached supporting documents, including a copy of my credit report with the disputed item highlighted, as well as other relevant information. 

Please respond to this dispute in writing within the thirty-day timeframe as required by law. I expect a resolution and will take further steps if necessary, including submitting a complaint to the CFPB, should this matter remain unresolved. 

Thank you for your prompt attention to this matter. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require additional information.
Product: Vehicle loan or lease

I have a contract, but my car suffered XXXX XXXX  in one storm in XXXX. From that day in XXXX, XXXX, Tesla has been a nightmare. First, I could not take the car, then I took it later and charged me but did not fix it. I had to send it to a third-party shop. XXXX XXXX was involved since the beginning. All process was very low, I had no car for XXXX  months. was very low on getting back, and Tesla lacked support at all times. After months, the insurance decided to total the car. I wasn't contacted by Tesla at any point. After XXXX XXXX made the payoff, Tesla started to charge me when Tesla was the one that owed me money. I have millions of automated messages from Tesla, and not a single email back from me has been answered, and the one answered was to warn me that my bill will go to collection. 

XXXX XXXX, from Finance XXXX XXXX ( XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX ) has zero ability total to a client continues to threaten for collection, not reading or supporting anything for the client. I don't talk to him anymore, I need a decent contact to support and fix the Tesla mistake from services to charging.
Product: Checking or savings account

My bank did a temporary credit reversal of {$990.00} and Bank of America didnt have any answers as to why they did this
Product: Checking or savings account

XX/XX/2023 Good Afternoon : I'm writing in regards to my experience today with a Cadence Bank branch location in XXXX, XXXX. This morning I made a check deposit at the XXXX XXXX Branch with an insurance check on XXXX. The bank teller advised me the funds would be available after midnight. When I returned to work, I contacted XXXX XXXX. Branch and asked if the funds could be released sooner. I held on the line and the teller returned and advised me that XXXX at the XXXX XXXX location told them to place the check on a XXXX hold. I asked if my deposit could be returned and I was told no. And the teller advised me to contact XXXX at the XXXX XXXX branch. I contacted XXXX, and she advised me she told them to place a XXXX hold on the check with no explanation. She later stated that she would release XXXX from the check at midnight as a courtesy. I told her that was fine, and released the line. XXXX then calls me back XXXX hours later and informs me the check I deposited was fraudulent, and a friend of hers at XXXX  XXXX XXXX and she told her the insurance company that issued the check did not have an account and she accused me of depositing a fraudulent check. I contacted the insurance company and again was advised the check was valid. I called XXXX again, and explained to her I had spoken with the insurance company and the check was legitimate. XXXX laughed and told me she didn't know what to tell me. She also stated that she had placed my account on a permanent hold. I reached back out to the insurance company again, this time I spoke with XXXX in the Finance Department for XXXX XXXX. She verified the check and contacted XXXX  XXXX XXXX and could not understand where XXXX obtained the information that the check was fraudulent. I also contacted Cadence Bank customer service and was advised that XXXX had closed my checking account. XXXX XXXX XXXX decided to contact XXXX at the branch location to attempt to resolve this issue. However, my issue with the matter is I don't understand how Cadence Bank could accuse a customer of fraudulently depositing a check, and how is a bank employee able to contact a friend at another bank to verify check information. What is the banking procedure regarding this matter on deposits, check verification, communication with consumers, and account closures. I am extremely displeased with how I was treated today, and would like someone to investigate this matter. My name is XXXX XXXX XXXX XXXX, XXXX. 

Thank you.
Product: Debt collection

Attempt to collect by XXXX XXXX XXXX XXXX ID : XXXX Original Dept : XXXX XXXX XXXX. XXXX XXXX : XXXX Date XX/XX/2008 This is an attempt to collect a fine on a car we do not own. We have NEVER registered a car in XXXX. We have never had a XXXX license or plate. I have asked XXXX XXXX and each debt collector to show the address on the registration card for the Car with the license plate in question. I have never received a response, only more harassment. I'm tired of this! 

In 2008 there was a company in Florida named " XXXX XXXX XXXX ''. I looked it up on the internet when I first received the notice. My son also had a company in XXXX with the same name. XXXX XXXX apparently could not collect from the XXXX company so they accused us of not paying the fine. As per XXXX XXXX, I have sent drop dead letters to every company attempting to collect but they keep passing it on to the next company. THIS MUST STOP!
Product: Credit card or prepaid card

I paid my account balance in full. I left a balance of XXXX, which was the interest that I incurred during the prior billing cycle. I called Bank of America an asked if they were able to waive it for me as I paid my account balance in full. On two separate occasions I was advised they were unable to do so. I paid the remaining balance on XX/XX/XXXX and my cycle closed XX/XX/XXXX. I received my statement and I am being charged XXXX interest. I called and asked if this could be waived as I paid my account in full. I was told they are unable to do so.So Basically I have to pay interest on interest. At this point I am very disappointed with Bank of America. Ive been with them since I was XXXX XXXX XXXX. If I am unable to have this resolved I will close all my accounts and take my business elsewhere.
Product: Credit reporting, credit repair services, 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 US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX 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 a account without my written instructions.
Product: Checking or savings account

I have a checking account at Citizens Bank and feel that they intentionally hide their fees and when asked ( multiple times ) simply refuse to answer.

I asked Citizens Bank Customer Service a few times if there would be a Citizens Bank fee assessed by Citizens Bank for a withdrawal initiated from another bank ( ACH ) and I was given vague answers and boilerplate copy paste non-answers.

Finally Citizens Bank Customer Service responded today as pasted below : " Dear XXXX, Thank you for your email regarding External transfers. 
If the external transfer is initiated from another financial institutions website we are unable to determine if there will be a fee from our end. 
If you have any further questions or concerns, please contact us via email or by calling our 24-hour Online Banking Department at XXXX XXXX. 
We value you as a customer and appreciate your business. Thank you for choosing Citizens Bank. 
Sincerely, XXXX XXXX. 
Email Team Advocate '' I believe a bank must be upfront about their fees and that if the " can not determine if there will be a fee on their end '' they should not be in the banking business. 

Thank you
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, XXXX and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 I ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

15 U.S.C 1681 Section 602 A. States I have the rights 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 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 or 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. 

Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting

XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, XXXX XXXX Equifax XXXX, XXXX XXXX XXXX Dispute Department XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX ACC # XXXX this is a fraud account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Please update my number to my fraud alert to XXXX Those inquired are not mine 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 I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, XXXX XXXX
Product: Consumer Loan

0n XX/XX/2016 I applied for a XXXX dollar debt consolidation loan through XXXX. I was then directed to one main financial where it said I was prequalified for that loan. after I filled out my information I was approved for a secured XXXX car loan. I did not apply nor do I need a car loan. this is deceptive and did not apply for a car loan. I called one main credit disputes and was told I could not have it removed.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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: Mortgage

I have struggled throughout the entire life of my mortgage. I borrowed from XXXX, and other investments to help with moving costs, and other home owner expenses through out the years for this mortgage that I qualified for somehow. I bought the house in XX/XX/XXXX/XX/XX/XXXX timeframe. I got XXXX XXXX in XX/XX/XXXX, thankfully no signs of it returning and grateful for that. Had to work a lot of overtime after company reorgs and downsizing after the financial meltdown economic disaster. I had to use XXXX in XXXX and XXXX for XXXX XXXX issues. Got fired in XXXX XXXX and just started fulltime employment 3 months ago which is good and I am very thankful for. But it took a while to find a job so I had to apply for state aid after unemployment ran out, I move out of the house. My kids moved to their dads. My mortgage originated with XXXX ( FHA XXXX ), then, XXXX XXXX XXXX, and after that XXXX, XXXX, possible others ( XXXX XXXX ), have had it. For over a year now, I have been in constant struggle to avoid foreclosure with the XXXX Co. I 've had offers on the house because it has been listed almost a year now, but have hard time reaching them, or I need to refill forms out, etc. Another financial hardship I 'm working on is my taxes. I 'm in the process of paying tax attorney company to represent me.
Product: Mortgage

On three occassions I have applied for modificaiton with my current servicer FAYE Servicing, however, they have failed to respond. The first attempt was in XX/XX/XXXX, the second attempt was XX/XX/XXXX and the latest attempt was XX/XX/XXXX. Each time I was told my application was incomplete, not received or too old. When I spoke to FAYE Servicing last week they stated that the only was to prevent a sherrif 's sale was to pay the arrears in full and it was too late to modify my loan since there was a sale date scheduled for the end of the month. I am however, requesting a 60 day stay so the sale date will be delayed. I did successfully complete an application and was in the process of reviewing the terms with XXXX, in XX/XX/XXXX, when the servicer changed to FAYE Servicing. 

I have provided all attachments required as well as the application, which was completed in its entirety. 

In addition, it is peculiar that the current assignee of my mortgage " XXXX XXXX  XXXX XXXX XXXX, not in its individual capacity but solely as owner trustee for XXXX XXXX XXXX '' was assigned the note from XXXX Investors when XXXX investors was never assigned the Note. The only assignment in the chain of title that references any type of transfer the note and/or debt is the assignment dated XX/XX/XXXX, by Assignor XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX its attorney in fact assigned to XXXX XXXX  XXXX not in its individual capacity but solely as owner trustee for XXXX XXXX XXXX XXXX 

XXXX XXXX sold my loan to XXXX a subsidary of XXXX XXXX who specializes in purchasing under performing loans from Fannie Mae, purchased the loan in XX/XX/XXXX. A lien was placed on the home shortly thereafter. My loan was owned by Fannie Mae years prior to XXXX being taken into the receivership of XXXX. Therefore, XXXX could never have sold them the loan since it was not theirs to sell.
Product: Credit reporting

XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear : Experian, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via XXXX because I need your prompt response to this issue. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, XXXX