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

This is about the third time I have been denied a card ( that according to my credit service should have been approved based on my income/credit ) by American Express the past few years. I usually am given a glib response as the purpose, and have not pursued the matter. However, in my latest denial ( dated XXXX XXXX, XXXX ), the true reason came out. The reason stated is that " ... we can not approve your application at this time because American Express cancelled your previous account ( s ) ''. 

American Express cancelled my cards in XXXX or XXXX after I filed Chapter XXXX bankruptcy. That was 19 years ago. They are using the fact that I exercised my right to file bankruptcy. I would understand the decision if I had only filed recently, but this is ridiculous and is a tactic being used to punish me for exercising a right I have under the law.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 AARGON AGNCY XXXX U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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: Debt collection

****** CFPB - DO NOT CLOSE AS A DUPLICATE REQUEST ***** ***** CFPB - I CALLED XXXX ON XX/XX/22 @ XXXX ***** THIS COMPANY HAS NOT RESPONDED TO MY REQUESTS. 

This is a reply to complaint XXXX. I have already paid this bill. I have provided a copy of my credit card statement showing that I paid the doctor on the exact day of service that Credit Systems Inc is showing. What else can I provide? How to I further dispute this? What is Credit Systems Inc 's registered agent so I can file in small claims to get my money back?

****** CFPB - DO NOT CLOSE AS A DUPLICATE REQUEST *****
Product: Credit card or prepaid card

I am a senior citizen and just refinanced my home and used the equity to pay off debt. The escrow company issued a check to me so I could mail my payment of {$2100.00} to XXXX XXXX XXXX ( Comenity Capital Bank ), which pays my account in full. After a week, my payment did not show up on my account. I called them, they said they didn't get it. I waited another week and sent them a message and a copy of the check I sent them. They sent me a letter saying they would investigate the dispute. 

I called the escrow company a couple of days later and they said the check was cashed on XX/XX/XXXX. I sent another message to the credit card company and attached a copy of the canceled check to prove it was cashed. I did not receive a response. 

I called them today and waited almost 40 minutes to get a customer service representative on the phone. Although she was polite and professional, she said it had to go through a dispute process! XXXX

I asked to speak to a supervisor and waited another 22 minutes for him to get on the phone. He was very rude and mocking and said it had to go through a dispute process and would probably take up to 90 days. 

I am totally being jerked around. I have given them proof that the check was cashed. 

Please advise. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was contacted by a woman named XXXX XXXX who claimed to be a job recruiter from a company called XXXX and she got my resume from indeed. I was interviewed on XXXX XXXX on XX/XX/XXXX and was hired on XX/XX/XXXX. I received {$4100.00} via check on XX/XX/XXXX in which {$400.00} was processed on that day and the remainder of it the next day. So the check cleared and the funds were available in my account. XXXX claimed the money was too pay for the work equipment I would receive for the job which she sent a list for. I was instructed to send {$1000.00} too a person and that was done via XXXX then she instructed me to send to another person whos names didnt match up. So after I notified my bank and it was a bad check and the scanner got XXXX. After weeks of contacting the FTC, Wellsfargo, XXXX and the fbis online fraud I have not gotten any help with retrieving my lost funds. My bank hasnt done anything besides contact the scammers bank and try to offer a refund too no avail. Now my account is in the negatives and I cant even close it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states consumer reporting agency can not furnish in account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for purpose of
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX aka XXXX XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XXXX XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, XXXX, XXXX, XXXX, has violanted my rights. 

15 US 1681 Section 602 states I have a right to privacy.

15 US 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 US 1666B : A Creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XX/XX/XXXX, I initiated a charge with the XXXX app, using my Citibank Mastercard as a method of payment. XXXX informed me that the charge for {$9.00} was declined in their systems and that I needed to contact Citibank to find out why. The charge was approved and it's still pending with Citibank. I explained to multiple Citibank representatives that XXXX informed me that the charge had declined in their systems and that there was nothing that could be done on their end to rectify the problem. Citibank still has the funds on hold for this charge and are REFUSING to resolve this problem or reach out to XXXX in regards to this issue. Citibank 's response is for me to state that the charge was fraud, which it wasn't, being that I authorized the charge to be charged to the card. XXXX, the Citibank representative on XX/XX/XXXX stated in chat that the only way that Citibank would attempt to resolve this problem is for me to claim this charge was fraud ( which XXXX could attempt to file criminal charges against me ) when this transaction was not fraud. I informed Citibank of this issue on XX/XX/XXXX when XXXX informed me of the issue. XXXX, another Citibank representative stated that the hold of funds would be released after 3 to 4 business days. That time has elapsed and this charge is still showing as pending. On XX/XX/XXXX, XXXX stated that this charge and hold will remain for 30 days of which gives XXXX the time to claim this charge, which I have stated to these representatives that XXXX claims they can not claim any charges because said transaction was declined in their system. Again, this issue is being left unchecked, while my card balance isn't correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023 XXXX dollars was directly deposited into a Wells Fargo Bank. The bank has no knowledge of this information, although I have an account number and a routing number. I also have an ACH debit coming out of my check of XXXX dollars that is going to there bank that they have not explained. Need help in resolving these issues.
Product: Credit card or prepaid card

Problem with fraud alerts or security freezes I have a credit card from Citibank and they blocked my card claiming that could be a fraud every time I tried to make a purchase.I only got the card less than a week and tt happens three times in five days.

They only way to get it unblocked is to call the fraud team of Citibank then to receive a code from a call or text or a latter from mail.The first time I could receive a code through text message.The second time they said I can only get the code through a voice call and I live in an area with barely no service so I have to drive to downtown to get the voice call to get the code.But when I try to call back they said I need to call them thought land line so I drove back home to call them with my land line then they said the code was expired.

I finally got off the hook from taking with a supervisor using that code.This doesn't make any sense at all.

Two days letter I found out my card has been blocked again for no reason this time and this time the fraud team said because I have used text or voice call to get the code too often so I can only do it through letter from mail which could take 5-7 business days.This is making completely no sense.I used my phone to receive the code too often was because Citibank keeps on blocking my card for no reason.

The fraud team also said I can not make any payment or close my account when the card is blocked but there still will be interest and late fee! And I can not even get it done in person in branches.

So even I can get it unblocked this time, I will still have to wait for the letter from mail to get the code every time I try to make a purchase in the future.And it will take 5-7 business days to receive the letter.This is ridiculous long waiting time trying to use a credit card on a regular purchase.
Product: Debt collection

I would like to dispute this debt under the " No Surprise Medical Debt Act '' I went to the XXXX  not feeling well at the early onset of COVID not know what was the matter. I was covered under my XXXX  insurance plan from my previous employer. I was laid off at the time because our office closed down in fear of the spread of COVID. I was treated and released the same night, It turns out I had XXXX XXXX? they gave me an XXXX and a XXXX XXXX XXXX ... which was {$120.00} dollars by itself. The Pharmacist was kind and had mercy on me and only gave me 3 of the 30 pills they prescribed based on the size of the stone and charged me {$20.00} bucks. 

This debt was a TOTAL SURPRISE, In that I thought I was covered or I would have never went to the XXXX, in addition to this NO one on the staff ever told me what the charges may be else I would have NEVER submitted to any treatment as a single, laid off woman. 

This kind of Surprise Billing in not only unfair but unkind. Now thanks to the " no Surprise Medical Debt act '' it is now UNLAWFUL. I pay my bills, I never extend myself further than my reach. Because of this debt being reported to the credit bureaus it has negatively impacted my otherwise good credit rating. Please help me by making them remove this debt. Please and thank you. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

The third party collection agency, Advocates Professional Services, out of NY. They have threatened to take out a suit or judgement on me for attorney fees. Attorneys in my state ( Utah ) are responsible for not running up outlandish bills that are outrageously expensive and expect people to pay, you dont see the bill til after they tell you they did XXXX a month work for you?? How do you fight that?? My parents already helped me pay the attorney XXXX. Then they couldnt help anymore. Im still paying them off for that. Then the attorney billed me close to XXXX in a two-three month period. Im a single mother, stay at home mom. I cant pay that bill. The attorney should have had reasonable fees. Those are not reasonable at all. Another attorney Ive talked to says I could try and get that debt taken down or removed for unreasonable fees. But, I have no money to pay one attorney to go after another. Its been a mess, the third party collection agency keeps threatening me with deadlines to wire them XXXX or XXXX owe XXXX if I dont pay them. I have XXXX resources to do that. They are saying they will put a writ of attachment to my marital assets which are all still tied up with the court. I hired the attorney that Ive paid XXXX and now wants XXXX to just help me with a divorce in 2019. Im still not settled with child custody or separation of assets. He, the attorney, basically got me a protective order again my ex for XXXX. Come to find out the district attorney would have done that for me for free. Of course, he didnt mention that. I explained my situation to the collection guy and he just says he doesnt care about that and he will go after my mom and dad too. My mom was with me when I retained the attorney, my dad has never even been there, and their last voicemail to my mom, was saying they would go after her and my dad. I can send all the emails and screenshots of the voicemails. I just feel very scared and threatened to come up with an amount of money that I dont make in seven years of working! Hopefully I hear from you soon. Thank you so much
Product: Credit reporting or other personal consumer reports

Immediate Removal of Accounts as Required by 15 USC 1681XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear [ TransUnion / XXXX ], This letter is a formal demand that you immediately remove the inaccurate and unverifiable accounts referenced above from my credit report. XXXX has already deleted these accounts after their investigation, and your continued reporting of these accounts violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i.

Under 15 USC 1681i ( a ), credit reporting agencies are required to investigate disputed information and remove any items that can not be verified. XXXX has already deleted these accounts, and it is evident that TransUnion and XXXX have failed to properly investigate this matter or are deliberately ignoring the results of XXXX 's investigation. This failure is a clear violation of the FCRA. 
To resolve this matter without further escalation, I demand that you : XXXX. Immediately delete the inaccurate and unverifiable accounts from my credit report. 
XXXX. Provide written confirmation of the deletion within 15 days of receiving this letter. 
XXXX. Provide a detailed explanation of the steps taken to verify the information. 
If you fail to comply with this demand, I will have no choice but to file a lawsuit against your company for willful noncompliance under 15 USC 1681n and negligent noncompliance under 15 USC 1681o. I will seek statutory damages, attorney 's fees, and any other remedies available under the law. 
Please take notice that this letter serves as a final attempt to resolve this issue before I initiate legal action. I expect prompt and complete removal of these accounts to avoid further harm to my credit standing. Upon reviewing my credit report, I've noticed that these accounts are being re-aged or re-reported in violation of federal law. By altering the delinquency date or updating these accounts as if they are recent, you are engaging in deceptive practices that cause further harm to my credit profile. This illegal re-aging not only violates the FCRA but is also a breach of state statutes of limitations regarding the collection of debts. 
Therefore, I demand that : XXXX. You immediately cease the reporting of these accounts. 
XXXX. You permanently delete these accounts from my credit file. 
XXXX. You provide written confirmation of the deletions and explain what steps were taken to ensure that these violations will not continue. 
If you fail to comply with these demands, I will have no choice but to pursue legal remedies for willful noncompliance under 15 USC 1681n and negligent noncompliance under 15 USC 16810, and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. I will also explore filing a lawsuit for damages due to your unlawful reporting practices.
Product: Credit reporting

Received fraudulent inquiry on credit report from XXXX. Equifax investigated and provided the following result ( they wo n't remove it even though it is fraudulent, it is affecting my credit score, and I have called XXXX twice and they say there is nothing in there records regarding a credit inquiry for my SS or my name ) XXXX We have reviewed the inquiry information for XXXX XXXX. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX Na, XXXX XXXX XXXX, XXXX XXXX, SD XXXX ''
Product: Debt collection

When I moved out of the complex there was never an amount owed. I never received a call, mail, or anything from the original debt collect nor the collection agency regarding this matter. The apartment complex never reported to my credit. The first time knowing about this debt was because I got a notification from XXXX XXXX  saying a collection had been placed on my account. I originally went to solve the matter with the apartment complex but they stated that they didnt have any paperwork to acknowledge the debt and that I should dispute it with the collection agency. The collection agency never reached out to me regarding this matter before attacking my credit report with false information. The collection agency is XXXX XXXX and when asked to send documentation nothing was never received to prove that this debt belonged to me and that I owed them or signed any paperwork with this company stating that I would pay them any funds. I also went through the credit bureau to dispute this matter to see if they would send them the paperwork to prove this matter nothing happened. I feel this account should be removed from my credit report it is making it hard for me to take care of my family and have a roof over our heads. XXXX XXXX there address is XXXX XXXX XXXX XXXX, WA XXXX
Product: Mortgage

In 2010 I requested a modification and was denied at that time my payment was XXXX at that time my husband and I borrowers fromOf 401k so we would not lose our home. Luckily the mortgage payment has went down. But once rates go up I willLose my home. I have a interest only arm rate with chase mortgage. I have a mortgage in Ga for a home we bought for XXXX interest only no money down. It 's not a XXXX XXXX or XXXX XXXX loan. Harp could not help. Hope could not help!!! Manager at chase mortgage XXXX XXXX could not help! After buy the house we consolidated all our debit into a second mortgage for XXXX ( I was able to refi this loan for a fixed rate at 5 %. We have called and applied to our mortgage company during hardship times for help but they told is we would have to miss payments to get anyone toLook at our loan. We have borrowed money fromOur 401k so we could make our payments. We believe that people should not walk fromHomes and work XXXX jobs if they have too. Because maybe we are old fashion but it 's wrong to walk from a home. All we want is some help!!! A fixed rate!!! Our value on our home is XXXX harp said if we had XXXX cash and saboritated the XXXX we could get fix rate but our mortgage payment would go up!! 

Any ideas and one I can call for help???? 
I believe it 's in the best interest for Chase mortgage to reduce our mortgage value to XXXX and give us a fixed 30 year mortgage. So we can keep our home! 
XXXX
Product: Debt collection

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Enhanced Recovery Company which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Enhanced Recovery Company has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Enhanced Recovery Company. Enhanced Recovery Company is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Credit card or prepaid card

INACCURACIES DATES BANK STATEMENTS TRANSACTION ALLEGEDLY SUSPICIOUS TRANSACTIONS OF FRAUD-CYBER CRIMES XX/XX/2020 XXXX ITEMS XXXX T-SHIRTS/TANK TOPS TAMPERING WITH BANK STATEMENTS DATABASE BREACHES.