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

I've attempted to make online payments for my Ann Taylor credit card for several months and I'm unable to do so : - I've forgotten my password and when I attempt to reset it through the website, I receive an error message " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. '' -When I attempted to contact the customer service phone number, I was informed that I would be charged {$5.00} to speak with a live representative. I ended the call. 
- The website offers a way to pay without signing into my account through XXXX where I simply enter my credit card number, my zip code, and my social security number. When I enter this information I receive an error page : This page can not be displayed. We're sorry. This page does not exist or can not be found. Tap or click the " Back '' button to return to the previous page.
Product: Mortgage

I closed and satisfied my mortgage with AmeriHome on XX/XX/XXXX in which the total for taxes and homeowners insurance was paid for up front by the new mortgage company, XXXXXXXX XXXX on XX/XX/XXXX in the amount of {$4200.00}. 

Since the new mortgage company ( XXXX XXXX ) paid for this balance in full, the original mortgage company ( AmeriHome ) owes me this money which they managed through the escrow account. According to their customer service department - a check was " supposedly '' cut and mailed via the US Post Office on XX/XX/XXXX. 

It is now XX/XX/XXXX - and I still have not received this, " supposed '' check. I have called AmeriHome numerous times, and each time I get a different answer, where someone either says, " Oh no, they just cut the check now. '' or " Yes, the check was sent in XXXX and we can't track it because it was sent through the US Post Office. '' When I ask to speak with a manager or supervisor who can resolve this issue, they say that they have to put in a request ticket and someone will reach back out. I have done this several times last month, and no one has called me back. I don't understand what is going on with AmeriHome, but this institution owe me my money and I want for this matter to be resolved asap and that I receive the check for monies that are owed back to me right away and with a tracking attached to it. This is professional negligence on behalf of AmeriHome. Their lack of transparency is a major issue and I demand for someone to address this issue right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received a letter from XXXX XXXX that XXXX XXXX paid XXXX on a XXXX XXXX XXXX of mine that was totaled out. They stated that I owe them {$1900.00}. Equifax is reporting 2 late payments XXXX and XXXX. Car was totaled in XXXX and Paid off in XXXX. Also showing I still owe XXXX with a past due balance of {$2700.00}. I filed a dipute with them XX/XX/XXXX to update my information accurately they came with results XX/XX/XXXX saying its been verified as accurate I contacted XXXX XXXX and they also stated that that is reporting inaccurately because they show me owing XXXX Total as well and did not verify that information as being correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquired about being a co signer for a relative company promised for a soft pull which then added a hard inquiry and I wasnt a co signer my relative was approved on his own, they never needed me now I have all these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me to validate the misreporting on my credit report and update my credit score and accounts found in my credit file.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are multiple violations of my consumer rights on my credit report pertaining to inaccurate information about my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have disputed some errors on my credit report regarding two XXXX XXXX accounts. These XXXX accounts were paid in full years ago but are now reporting recent late payments in XXXX, XXXX & XXXX. This is a complete error and needs to be deleted immediately. Experian and XXXX are the two bureaus that are reporting this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute with XXXX on XX/XX/year> about my Lead Bank Account for one not showing an updated balance and two not being reported for over 45 days. XXXX DID NOT contact the lender and closed my dispute within one day. They are in violation of ( 15 U.S.C. 1681e ( b ) ). The fact that they closed my dispute without researching it and the ignorance of not noticing a credit card that reports monthly has not been " reported '' or updated by them since XX/XX/XXXX. XXXX is not contacting lenders and are reporting inaccurate information. When disputing with them they close disputes by " verifiying information as accurate '' all other bureaus have updated but they have not. They are commiting blatant fraud and not talking to lenders or updating correct balances.
Product: Credit card

I logged into the American Express website as an existing card holder and was offered a bonus offer of XXXX points if I applied for the XXXX XXXX. I have never had the XXXX XXXX before, and I was excited about the generous welcome offer. I signed up for the card, met the minimum spend of {$8000.00} in short order. When the bonus wasn't posted, I reached out to American Express. They informed me that the bonus had in fact been denied. They stated that I must have been shown a pop-up window indicating that the bonus was denied during the application process. In fact, I was never shown any such pop-up window. If I had been, I never would have proceeded with the application. The whole reason I applied for the card was the XXXX point bonus offer. I appealed to American Express internally and they informed me that the bonus had been denied. They offered no reason for the denial, and no evidence that the bonus had been denied at any point. I feel like I was subject to a bait and switch, and it has been extremely frustrating.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowldge of hereare the inquiries that I've found : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, Please remove these fraudulent inquries from my credit report. I also attached my identity theft report as well.
Product: Money transfer, virtual currency, or money service

I sent a wire deposite to my coinbase account a while back. My wire transfer was " scheduled to arrive '' XX/XX/XXXX. It is now XX/XX/XXXX. The wire is pending and has not been credited to my account for trading. Funds have been pulled from my bank and show up as completed as they have arrive at coinbases metropolitan bank. All that is left is for the pending wire to be verified and credited to my account. Support has been slacking and these funds need to be worked out. My wire is still pending and all legal names between my Coinbase account and my Bank account are 100 % matched. The date of predicted arrival in my account was XX/XX/XXXX. As of today, the funds are still " pending '' and not available for trading or transfer. 
Here are my transaction details : Sent : XX/XX/XXXX Amount : {$5200.00} Name of Sending Bank : XXXX XXXX Funds were sent from personal name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breech after reviewing my credit reports. i notice some unfamiliar with. I have ask the CRA for validation of debt, however the information has not been provided due to my information being exposed. i have submitted a FTC complaint reporting the information i am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, copy of the XXXX data breech and a validation of debt letter.
Product: Debt collection

i had an insurance with XXXX. i paid the policy in total upfront. nearing the end of the policy term they increased the policy rate so i asked them not to renew because the price was high. they assured me on the phone that there is XXXX balance left because i paid in total already for the current policy and they will not renew the policy anymore because i ask to. i moved from the address on the expired policy to new address and updated my adress on all of my credit cards and bank accounts on XXXX XXXX they never send any letters to my new address. after 6 month i see a deragatory mark for XXXX $ on my credit!!!! i didnt even know what it was. called the XXXX they said it was some discount removal! i didnt receive any letter or any call from the collection agency or the XXXX about that debt. and on XXXX that i called them they confirmed on the phone that there was no balance due. this is a deceptive way to ruin somebody's credit for XXXX $ after the fact that they told me i have XXXX balance due. XXXX said that they dont call me they just send emails. i updated my
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found XXXX XXXX  card opened on XX/XX/XXXX and tempoe llc/XXXX XXXX XXXX opened on XX/XX/XXXX to be fraudulent accounts. I did not agree to run my credit to open these accounts.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XX/XX/2021 I, XXXX XXXX Federally protected Consumer and Natural person extended credit to AFFIRM INC using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent AFFIRM INC a notice to cease and desist and a notice to validate the debt which they have failed to abide by. AFFIRM INC is now civilly and criminally liable for violating my consumer rights. AFFIRM INC union has yet to resolve this matter.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws concerning how my credit information has been handled. Heres what happened : Willful Noncompliance ( FCRA Section 616 ) : The credit reporting agency accepted and reported information about me without verifying its accuracy, violating my rights under the FCRA. This type of willful negligence carries civil liability of up to {$1000.00} per violation. 

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt out of having my personal information shared, which is a deceptive omission under the FCRA. 

Furnishing Deceptive Forms ( FCRA Section 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were added to my credit report without proper validation. This deceptive reporting may also breach Generally Accepted Accounting Principles ( GAAP ). 

Unfair Debt Collection Practices : False debts and accounts were reported without my consent, leading to unnecessary and distressing contact from creditors. 

Improper Disclosure of Debt Information : Debt collectors improperly shared my personal information with third-party credit reporting agencies, alleging debts I did not owe. This violates regulations governing the disclosure of location and debt information. 

Inaccurate Late Payment Reporting : The agency reported " late payments '' without defining what qualifies as late, making the reporting both deceptive and inaccurate. 

Failure to Accurately Determine Finance Charges : As a credit reporting agency, they failed to properly calculate finance charges, adding further inaccuracies to my record. 

Improper Use of Credit Report Information : My credit report contained information that was added without obtaining my written consent, violating FCRA guidelines on permissible purposes. 

To resolve these issues, I have demanded the deletion of incorrect addresses, outdated and inaccurate accounts, and unauthorized inquiries from my credit report. I expect immediate action, as failure to address these violations will compel me to pursue legal remedies as allowed under the FCRA.
Product: Checking or savings account

I don't know what the banking regulations are concerning " float '' but that is what this complaint is about. 

My mother-in-law, age XXXX, died on XX/XX/XXXX. As her XXXX XXXX had declined over the last years, she had given me her financial power of attorney. We operated a joint bank account with her bank, Chase, and I was the executor of her will. 

We notified her sources of monthly income ( Social Security, her XXXX pension, Veteran 's Administration ( she was an XXXX XXXX during XXXX XXXX XXXX ) ) of her death and closed automatic monthly payments going out such as phone bills and medical insurance. By early XXXX, XXXX, I felt that all activity had ended. It was time to fulfill her will. 

Chase Bank, however, had an incoming check on hold. When I clicked on the highlighted hold on-line, a message appeared : " It looks like this part of our site isn't working right now. Please try again later. Thanks for your patience. '' I still get that message as of this morning when I click on the hold. 

So I made an appointment for XX/XX/XXXX with a bank representative in preparation for disbursing her funds and closing the account. I made the mistake of bringing a copy of her death certificate rather than the original. XXXX XXXX said the hold was on my mother-in-law 's Social Security check from early XXXX and that when I brought in the original death certificate, she could call Social Security and make sure that the government would not want some of the payment returned. 

I returned to Ms. XXXX on XX/XX/XXXX with the original death certificate. When I asked if she would now call Social Security, she said that was something that the back office would do. When I asked whether it was the bank 's back office or Social Security 's, she was vague in a way that made me uneasy. What if I went down to Social Security and checked with them myself. She said I could do that and gave me a list of what information Chase would need to remove the hold on that check. 

I went to the Social Security office. A man examined my monther-in-law 's account and said that the early XXXX check covered XXXX. Since she died in XXXX, she was absolutely entitled to the full check that was on hold. He filled out a form to that effect, including all the needed information that Chase had listed. I took the letter back to Chase and gave it to Ms. XXXX that afternoon. She said it might take a few days for their back office to clear the check. 

It is now eight days later so I am filing this complaint, both to get that check released so I can disburse my mother-in-law 's funds to her grandchildren and to alert you to a possible practice that might be of concern to you. 

Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( XXXX ) Method of Verification, this account is in violation, reported without valid evidence : XXXX XXXX XXXX XXXX XXXX  Kindly correct/update this inaccurate information on my credit report. 

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. 

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section XXXX of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress. 

I insist that you update my utilization to XXXX % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( XXXX ) and ( XXXX ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THERE ARE FRAUDULENT ACCOUNTS, INCORRECT PERSONAL INFORMATION, AND UNAUTHORIZED HARD INQUIRIES APPEARING ON MY CREDIT REPORTS AND I WANT THEM REMOVED IMMEDIATELY! THEY DO NOT BELONG TO ME! FRAUDULENT ACCOUNTS XXXX XXXX XXXX, # XXXX, date opened : XXXX, XXXX {$0.00}. 
XXXX XXXX XXXX XXXX, # XXXX, date opened : XXXX, XXXX {$56.00} UNKNOWN, UNAUTHORIZED HARD INQUIRES NAME : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX corelogic XXXX XXXX XXXX XXXX XXXX UNKNOWN AND UNAUTHORIZED ADDRESSES XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I certify and declare this information to be correct and true. I understand that knowingly making any false statements in this identity theft affidavit may subject me to the penalties of purjury. 
XXXX XXXX XXXX
Product: Student loan

I have repeatedly requested that all over payments get applied directly to principle, but my loan servicer, Nelnet, continually advances the due date. Then they tell me I do n't know how payments work. I then have to educate a willfully ignorant rep on how compound interest works, and advancing my due date is not in my best interest.