23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Amex refuses to provide an email address for written consumer complaints as Amex misappropriates funds : First, Amex refuses to provide an email for written consumer complaints citing security reasons in order to prevent consumers from obtaining reasonable and documented resolutions. ( See attached from supervisor XXXX ).

Second, Amex misappropriates funds by withdrawing it from bank accounts and refusing to credit it as paid on the day of the withdrawal insisting the payment is being processed days later ( Attached screenshot ). 

Amex received over {$1700.00} in XXXX payment in XXXX which exceeds its minimum required payment. An error was made upon attempt to send a payment resulting in {$50.00} ( fifty ) dollars being sent for payment from my XXXX  XXXX XXXX  account ( which I intended to close ) versus my current XXXX XXXX account. This {$50.00} could not be immediately cancelled because there is no cancel button in Amex app which could have corrected an inadvertent error. 

Despite of this {$50.00} inadvertency which was impossible to cancel because XXXX ) there is no cancel button once you hit send XXXX ) amex reps claim a payment can not be reversed once sent, the {$1700.00} XXXX payment included these {$50.00} yet Amex continued to bill XXXX XXXX which was meant to be closed and despite of the fact that I notified Amex to stop billing it. Amex rep insisted this {$50.00} would be rebilled necessitating for me to keep this account open and have {$50.00} on the account. Amex refused to bill my XXXX XXXX account separately for {$50.00} which I suggested they could do despite of their receipt of over {$1700.00} in XXXX payment which exceeded the minimum required and incorporated {$50.00} payment. 
To make the long story short, Amex withdrew {$50.00} from XXXX XXXX on XX/XX/XXXX ( screenshot attached ) but claims that they do not have these funds in their possession and that these funds are processing on XX/XX/XXXX. 
XXXX  XXXX claims they released {$50.00} on XX/XX/XXXX yet Amex claims these {$50.00} are being processed and refused to credit {$50.00} to my account misappropriating the funds and cutting all my Amex cards for any future spending. 

Such predatory behavior should be investigated. 
How many thousands of dollars are withdrawn from numerous consumers bank accounts by Amex directly whereas Amex claims payments are being processed days later? 
How many consumers are affected by Amex refusal to provide an email address for written consumer complaints? 
How many consumers are affected by not being able to cancel their payments made in error because a cancel button is missing as an option from Amex dashboard?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to Experian and XXXX  with updating my personal information properly or at all. 

Experian has Not updated my name correctly as I have request for months now as well as my address. They have an address attached to my file that needs to be removed and they don't have name printed correctly, yet they won't make the necessary changes. 
I spoke to someone on the phone and they told me that I would have to have the creditors send a notice to verify my personal information. How does that make sense when these companies a lot of times have your information implanted incorrectly. 

XXXX  also has my name printed incorrectly as well as multiple addresses that need to be removed and is basically refusing to update my personal information. 

I've sent certified letters to these bureaus with a copy of my updated license, social security card and a proof of my address and they have not change that information. 

My name : XXXX XXXX XXXX My address : XXXX XXXX XXXX XXXX, Florida XXXX
Product: Debt collection

I called the company on XX/XX/year> to report that I had been a victim of identity theft and provided a police report number. The woman I spoke with on the phone told me that I could dispute the debt by sending a written letter with a copy of my lease since I was not living at the address where she said the service was connected. She told me to send the letter and my lease to : XXXX XXXX XXXX, XXXX XXXX, Minnesota, XXXX and include the reference number she provided me with. After several weeks of not hearing back from them, I called again and asked for an update on the dispute. The new representative on the phone told me that they had not received my dispute in the mail and that I should instead contact XXXX XXXX XXXX directly. I asked for validation or proof of debt and I was told that they could not give me that information because they themselves did not have it. When I reached out to XXXX XXXX XXXX, they could not find any information on the account. I find it strange that they are trying to collect something but can not provide me with any information or proof of what it is. It sounds like it might be a scam.
Product: Credit card

American Express made an unauthorized withdrawal ( ACH ) from my bank account, without any excuse why it occurred.
Product: Checking or savings account

Hello I deposited my IRS stimulus check in my Capital One 360 account on XX/XX/XXXX. Capital One the next day restricted my account for withdraws. When I called the number provided I was told my account was closed due to fraud, they had no evidence of this. The account is still open and restricted, they claim they are waiting for the IRS to reverse the check ( which they admit cleared and wasn't fraudulent ). I want the money that cleared their bank sent to me in a cashier 's check if the account is indeed closed and the check cleared. This has gone on long enough.
Product: Checking or savings account

On XX/XX/XXXX, we closed selling our house. Our proceeds were provided to us in the form of 2 cashiers checks from our title company, XXXX XXXX. One check was for approx. {$1400.00} and one check was for approx. {$150000.00}. We deposited them on the ATM of our local wellsfargo and were informed that a hold would be placed on the funds until XX/XX/XXXX. On XX/XX/XXXX, I went to a branch to speak to the manager about receiving our funds and we were told that {$5000.00} of the deposit would be made available to us at midnight on XX/XX/XXXX. None of the funds have been made available. Ive called the branch and they said to call customer service who then referred me back to a branch location. We are now being told none of our funds will be available until XX/XX/XXXX, which is more than 7 business days past the initial deposit on XX/XX/XXXX. This is in violation of the funds availability act and the exception holds.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX, CT XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}.
Product: Credit card or prepaid card

I have had a XXXX XXXX for over a year. This account is used with a recurring charge with a single merchant. The account had automatic payments setup. XXXX is now claiming to not have any record of Autopay. 

I have noticed on my statement that there have been numerous late fees charged on this account. 

As I setup autopay with a representative of the company, I am wishing to have ALL late fees backdated to the start of the account be refunded. 

Further, the bank has not given any notices nor email notifications on the payment status or lack of an autopay payment as is done with all other XXXX accounts.
Product: Debt collection

XX/XX/XXXX Reason : Dispute I am in dispute of a collection that has appeared on my credit report. 

Under Idaho state law, statute 5-217 collection agencies can not collect on an individual if the bill is older than 5 years old. Apparently, This was first reported on XX/XX/XXXX. 

The amount of the collection is XXXX. 
The information says its from the XXXX of XXXX XXXX collection is in violation of Idaho state law and this collection that is recorded on my credit report needs to be removed immediately. 

I have not had any services from the XXXX of XXXX for over 10 years. 

Please remove this collection from my credit report. 


XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Idaho XXXX Social security number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; US DEPT OF EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023.
Product: Money transfer, virtual currency, or money service

I got an unauthorized charge on my account for {$350.00}. I disputed it but they denied my claim.
Product: Debt collection

Name : XXXX XXXX was a lawful resident of XXXX, XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX ) until XXXX, 2022. When my lease got terminated, I went to the leasing office to hand over my keys. I explained them my situation stating that there was furniture at my apartment and they were in good condition, but as I was moving to a new apartment, I preferred to purchase new furniture. 

The person who took the keys said that having furniture wouldn't be any problem any furniture that's useless would be thrown away. I also specifically asked if there would be any fees for that and they said no. Before this incident, I callled them over XXXX times to confirm this situation, but no one answered. 

After a few months of vacating, I was charged a bill of over {$900.00} and most of it was related to the furniture. I immediately contacted the XXXX management regarding this stating that this is completely insane. If I had know this situation, I would have moved the furniture and I also told them about all the previous inconvenienes faced by me and I did not get any response from them. 

A few months later, a debt collection agency called me and told that I owed them {$800.00} for the fees related to XXXX. I said I would first dispute this with the XXXX XXXX, but the debt collection agency warned me that it would be reflected in my credit report. As I was not aware about these consumer laws, I didn't dispute it further and I pais the entire {$800.00} to the debt collection agency. The agency violed the laws by providing incorrect information and also used false tactics to make me pay the amount.
Product: Prepaid card

Now the bank has lied about the photos of me They had nothing to do with me getting money from there account I used their ATM to retrieve money from another account and they took the pictures of me getting money out of that account and use them on my Bank of America account and that's not true or accurate they have committed another felony on my account by doing this and now they say that they paid me both of my claims which is a bald-faced lie this bank is lying and doing more lying they telling you guys one thing and telling me another thing and all I want is my money that they took for me when they took that {$37000.00} that they place to my account they took a {$20000.00} claim I had and a {$9000.00} claim I cash and they all so made up of {$8000.00} claim to take it back for me so I would like all that money back and I also want my XXXX back that they took of mine this bank is ripping me off and they doing it by committing felonies on my my account are you guys supposed to be helping us to get our money back from this bank because you guys are letting this Bank commit felony after felony on my account and lie after lie on my account and fix up my account the way they want to fix it up with which none of it is true and I mean none of it this Bank falsified my whole account to steal my money from me and I was in hopes that you guys could help with me to get it back but you are not paying me this bank no attention I wonder if this bank is paid you guys to look the other way cuz that's what you guys are doing you looking the other way why this bank is committing felonies on my account and committing crimes on my account to keep my money and I don't know these people why are they doing this to me I've been suffering and going through a whole bunch of heartache and pain for three whole years that this bank has been keeping my money from me what's their problem and what's your problem I need my money I need medications I need to pay back rent I need my money for whatever reason I need it for is my money that I worked hard for what gives this Bank the right to steal my money and dictate my whole life for the last three years you guys need to do something about this bank and y'all need to do something about this bank now cuz I'm not the only person they doing this to this bank is doing committing crimes on people accounts and they need to be in prison
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN and passport was stolen and seems like this people already tried doing bad use of my personal information. 

I received an inquiry from American Express that I didnt do or authorized, so I believe they will continue trying to make things like this. 

This happened between yesterday and today ( XX/XX/2022 ) but I just received the notification
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them from my file : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

RE : XXXX XXXX and Portfolio Recovery Associates , LLC ACCT : XXXX On XXXX/XXXX/16, my debt consolidation company XXXX made a settlement with these above companies to accept a payment of {$220.00} as payment in full with the remaining {$150.00} to be written off and not collected on. 

However, these above companies are billing me the written off {$150.00} amount and have put this on my credit report as an unpaid debt, which has cause my credit score to fall. 

Plus, the collection company kept calling me at work, which is against the law. 

I received a statement dated XXXX/XXXX/16 advising that I owe {$150.00} and that this debt is valid, which is not true. I tried calling their Customer Service, but was told my debt was settled in full, but that I still owe {$150.00}. 

I want them to send me letter stating I do not owe them any more money since they accepted the settlement/payment from XXXX and DELETE this information off my credit report. 

XXXX NE XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccuracies related to the account listed below : Account Name : XXXX Account Number : XXXX I strongly believe this information is incorrect and unfairly impacting my credit score.

I respectfully request that this account be reinvestigated for accuracy. The inconsistencies are affecting my financial opportunities and costing me thousands of dollars in interest. Additionally, not all credit bureaus are reporting the same status for this account, which further indicates potential inaccuracies.

As a fair resolution, I request that this account be corrected to accurately reflect my payment history. If the account can not be verified within the required timeline under the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report.

I am attaching supporting documentation for your review, including the credit report entry and other relevant evidence. Please investigate this matter thoroughly to ensure compliance with 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ).

Thank you for your attention to this matter.
Product: Credit card or prepaid card

This complaint is in regards to the XXXX XXXX prepaid card offered by NetSpend. I've earned XXXX XXXX miles for each of last 4 months, and they are suppose to post the reward to my XXXX account each month. However, this has not happened. NetSpend charges {$85.00} annual fee for this. It's a complete switch and bait. I've contacted them multiple times since XXXX, nobody ever follows up with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union put a credit freeze on my credit report and I made several attempts to resolve and remove the freeze and they have refused to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times to verify an account that has been showing on my report. On XX/XX/XXXX I thought the problem finally got resolved as I got an alert that the account was removed from my report ... however, I checked my report again on XX/XX/XXXX and the account is back on my report. I understand they are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I will attach screenshots of both the notification from XX/XX/XXXX and the updated report on XX/XX/XXXX.
Product: Credit card

I, XXXX XXXX, never gave ( Citibank ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : Citibank Account XXXX
Product: Debt collection

I pay 2 weeks ago the amount they told me to pay for my debt from XXXX XXXX XXXX XXXX
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  DEPT OF ED/XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Mortgage

Release of Deed of Trust for Beneficial Mortgage Co Colorado Record Date XXXX/XXXX/XXXX Document Type Deed of Trust XXXX XXXX, Colorado XXXX XXXX Request for Release of Deed Of Trust. 
This Deed of Trust has not been released per my conversation with XXXX at XXXX XXXX Colorado XXXX and Recorder XXXX XXXX, XXXX. 

A phone call placed to Customer Resolution Department at HSBC Beneficial Representative XXXX was responded to with how did you get this number which I explained from a letter when I attempted to explain the problem she informed me they had addressed the issue of my previous complaint. 

I also sent a letter and a copy of the XXXX XXXX XXXX Verified Report by Certified Return Receipt have received the Receipt it has been received in their office and still I have no resolution to the Release of Deed of Trust for " Recorded Deed of Trust : Reception No : XXXX.
Product: Credit reporting or other personal consumer reports

Their is inaccurate information being reported to all 3 credit bureaus concerning 3 closed accounts that have inaccurate information on it ( several late payments/derogatory ). 

EquiFax EquiFax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX To Whom It May Concern : This letter is regarding accounts that you claim derogatory information/late payments on these 3 closed accounts. This is formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-B ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that depending 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 : Consumer Financial Protection Bureau CC : Attorney Generals Office CC ; XXXX XXXX XXXX