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

I used the Amex Serve prepaid debit card ending in XXXX to bill pay a credit card online for which Amex Serve sends out a physical check against the funds on the account to be delivered to a merchant. ( In this case, a credit card at XXXX ending in XXXX for {$940.00} on XXXX ) After a period of no activity on the XXXX account, I called Amex Serve on XX/XX/XXXX ( they said the check is usually delivered in 2-4 business days ) to notify them of non payment to XXXX and asked to dispute the charge. I was charged the {$940.00} on the Amex serve card but never received the bill pay credit on my XXXX card. <P/>After a long wait, Amex Serve came back and said that the check was delivered and cashed by XXXX and that the dispute was closed. I then called Amex Serve again to notify them that I never received the bill pay credit with XXXX. After receiving no help from a CSR, I spoke to a manager who seemed to understand the problem. <P/>She took extensive notes detailing what happened and said that the dispute would be opened again and that the Amex Serve dispute team may possibly contact me in 2-4 business days asking for proof from XXXX of non-payment ( screenshot of the XXXX card account showing no credit given ). This was on XX/XX/XXXX. <P/>I received a notice from Amex Serve on XX/XX/XXXX directing me to look at a secure message. I could not open it and got this error message when opening the link : Bad Message XXXXreason : Request Entity Too Large. I called into Serve and was again told by a CSR that the dispute was closed as they had proof the check was delivered and it was cashed by the merchant. <P/>Once again, I explained that XXXX never credited me for the payment and that this was my third call and dispute. I spoke to a manager again who said he 'd open the dispute again and gave me the same speel about being contacted in 2-4 business days for possible proof of non-credit by XXXX. <P/>It seems like Amex Serve 's dispute process is hung up on whether the check was delivered to the bill pay recipient and/or cashed. Whether the customer actually had the bill pay credited, they do not seem to care. They as the payments company have the power and responsibility to talk to the merchant to verify bill pay credit and whether it was paid properly. They seem to be unable to resolve this case and I would greatly appreciate the CFPB 's help in getting proper credit on the XXXX credit card I used Amex Serve to bill pay.
Product: Student loan

EdFinancial is deliberately misappropriating my monies. I sent them a {$1000.00} money order and instead of applying it as a {$1000.00} payment to the desired group of loans, ( wherein one way to describe a " group '' of loans is a subset of your loans that has the the same interest rate in that subset, and that is a different interest rate than the loans outside that subset ) EdFinancial has applied it in the following fashion " XXXX '' to my three groups of loans. This applies too much money to my loan group with the lowest interest rate, which may or may not be 3.51 % at present or 3.76 % prior to an interest rate decrease which I am entitled to. The {$1000.00} payment should have been applied to my group of loans wherein the alleged " Original Balance '' ( from the perspective of a letter EdFinancial sent me just now ) is $ XXXX {$2500.00}. I was specific in many forms of communication with EdFinancial as to how to designate my money order including the letter in which my postal money order was enclosed, and even phone calls and emails, but EdFinancial pretended these communications and/or agreements and/or requests never happened and did not apply my {$1000.00} as it should have been. 

To make matters worse, EdFinancial didn't apply the {$70.00} payment to my account that they received by a banking or web method. To make matters even worse, EdFinancial didn't apply the {$8.00} payment to my account that they took from me by their webpage/web portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized Inquiries Request for Removal Based on FCRA Violations and Identity Theft Protections Dear Sir/Madam, I am writing to dispute certain credit inquiries listed on my credit report. Upon reviewing my credit file, I have identified inquiries that I believe were made without my consent or in violation of applicable federal laws, including the Fair Credit Reporting Act ( FCRA ). Based on the provisions set forth in 15 U.S.C.

1681b ( 2 ), 15 U.S.C. 1681 ( q ), 15 U.S.C. 1681c-2, 15 U.S.C. 1681c-2 ( c ) ( a ), as well as compliance with Metro2 standards, I respectfully request that you investigate and remove these inquiries from my credit report. 
The Inquiries Are As Follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached below is a formal dispute letter detailing this matter along with a FTC report and a copy of my passport and ssn
Product: Credit card or prepaid card

I contacted discover card services to report fraud on account and to request a new card. I was asked if I wanted to update my phone number which I did. After I received my card I went to activate it. It was activated. I went to use it and it was declined. I called again to be told due to inherent risk factors we closed your account. I pay my bill every month no late payments great credit score and employed. I am confused why credit card companies are doing this now other than they are expecting a huge default rate, but that would not make sense from someone who has been a great customer and paid even during a worldwide pandemic. I also lost benefits of rewards earned. This is unfair since if they want to close my account that's fine, but rewards were earned already before payment of rewards so they should not be lost. Not happy with this practice that seems to be rampant.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I, XXXX XXXX, am lodging a formal complaint regarding an unauthorized and erroneous collection account appearing on my credit report, attributed to XXXX XXXX XXXX. This entry has been reported without my knowledge or agreement, and I assert that I have no contractual relationship with XXXX XXXX XXXX nor have I authorized the use of my personal information for such reporting. 

This matter contravenes several provisions of the Fair Credit Reporting Act ( FCRA ), particularly Sections 607 ( a ) ( 1 ) and ( 2 ), which mandate that credit reporting agencies maintain accurate, complete, and current data. Additionally, Section 615 ( a ) ( 1 ) clearly prohibits the dissemination of information to consumer reporting agencies based on inaccurate knowledge, a principle clearly violated in my case.

Moreover, Section 621 of the FCRA outlines the liabilities faced by entities failing to adhere to these requirements, stating that violators are subject to compensation claims by affected consumers. This scenario is further supported by violations of 15 U.S.C. 1681 et seq., including Sections 1681i and 1681j, which emphasize the obligation of credit reporting agencies to ensure the utmost accuracy in their reporting practices.

The dubious nature of the collection account, which appears to have been illicitly traded, also infringes upon the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ). These acts explicitly forbid the sale or acquisition of debts known to be invalid. Furthermore, such practices may constitute deception or fraud as described under federal statutes 18 U.S.C. 1341 ( mail fraud ) and 18 U.S.C. 1343 ( wire fraud ). 

I appreciate your immediate attention and resolution to this pressing issue. 

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

I am writing to dispute the inaccurate information reported to Early Warning Services , LLC regarding discrepancies associated with my name with XXXX XXXX. I formally request the immediate removal of this information from my Early Warning consumer report. I also want to make it clear that this debt hasn't been validated, and i demand that this account be deleted within 30 days of the date of this statement. As a result of the above, I have made several attempt 's through customer service channels, but unfortunately, I haven't seen an satisfactory resolution. I have not yet received proper validation of this debt in question, as required under the Fair Debt Collection Practices Act ( FDCPA ). Therefore I dispute the validity of the debt that is being reported to my Early Warning consumer report.
Product: Vehicle loan or lease

On XX/XX/2023 I applied and gave NAVY FEDERAL CREDIT UNION an application. 

I, the consumer Was denied credit by NAVY FEDERAL CREDIT UNION when I applied for an auto loan. 

On XX/XX/2023 for used vehicle of the amount of {$70000.00} which the vehicle is now {$65000.00} that I need to earn a living and provide for my XXXX kids. Thats also why I wanted a nice reliable vehicle with room for my XXXX kids. 

I was not given equal credit opportunity. So if someone with a better credit report or standard gets approved and I didnt that is discrimination thats not equal credit opportunity. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

They are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by NAVY FEDERAL CREDIT UNION due to the response I received. 

NAVY FEDERAL CREDIT UNION is in violation of 15 U.S. code 1642. U.S.C 1681m and 12 CFR 1002 because I, the consumer Made an application in good faith. But credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of NAVY FEDERAL CREDIT UNION And damages have been done such as to my consumer report, Mental anguish to myself and my kids, I can not go to point A to B to earn a living and have hindered me to be able to go to store to provide for my babies. 

Regulation B protects applicants from discrimination in any aspect of a credit transaction. 

Credit transactions and aspects of credit transactions include : Consumer credit Business credit Mortgage loans Refinancing Open-end credit Credit applications Standards of creditworthiness Denial of credit Servicing and collection Revocation, alteration, or termination of credit The regulation covers topics such as : Discrimination Discouragement Notification of action taken ( including adverse action ) Appraisal and other written valuations Special purpose credit programs Limitation on collection certain protected information Self-testing and self-correction Evaluation of applications Signature requirements Mandatory information collection for monitoring purposes
Product: Mortgage

XXXX XX/XX/year> I closed a contract to build XXXX XXXX using my VA loan it was to be converted to permanent loan after 12 months XXXX XXXX XXXX XX/XX/XXXX {$280000.00} was paid to XXXX XXXX XXXX XXXX  The builder breached contract around XX/XX/year>. I contacted the mortgage company I kept them informed from XXXX XX/XX/XXXX to present. I was told that the contract was between me and builder and they could not make him complete work. I have been unsuccessful in getting lawyer. I did have attorney send out letter from the XXXX XXXX legal but builder didn't respond, I submitted complaint to XXXX  XXXX XXXX XX/XX/XXXX no response from builder cased was close after several failed attempts to reach builder. I contacted XX/XX/XXXX In XX/XX/year> in XX/XX/year> I was told it was a contract issue out of there scope to investigate. I provided lender with copies. I reached out to XX/XX/XXXXXXXX department XXXX XXXX I was told nothing they could do I have to get attorney. Meanwhile I received email on XXXX XXXX the lender stating I will be in default if the construction not completed by XXXX XX/XX/year>.
Product: Debt collection

On XX/XX/2023, I requested Barclay Bank to validate the debt, in which, they claimed I owed. The account XXXX and a balance of {$1300.00}. 

As of XX/XX/2023, this company has not responded to by letter validating this debt belongs to me.
Product: Checking or savings account

I received a rollover check XX/XX/24 from XXXX in XXXX and by mistake deposited XX/XX/24 to the wrong bank, First Horizon where we live in XXXX. I was on my way to prep for XXXX, was anxious and didnt look at the check that was addressed to XXXX. In the past month I have made XXXX trips to First Horizon, XXXX trip to XXXX, multiple phones calls to the bank and XXXX phone calls with XXXX. I have made multiple attempts to correct this issue including their fraud department with XXXX XXXX XXXX. XXXX XXXX is refusing to return the {$6100.00} check even though I confirmed that my original XXXX XXXX XXXXXXXX is still active. I connected directly with XXXX benefits XXXX who spoke to First Horizon and still refuse to send me my money. Please tell me what I can do. Im a XXXX patient and that is my safety net money to put away. I await your response. Thank you. 

XXXX XXXX
Product: Mortgage

After complaint made to Another Agency :XX/XX/XXXX XXXX and XX/XX/XXXXXX/XX/XXXX about prior payment history and improper servicing and accounting of loan, it was stated that the Servicer/Broker refunded fees credited to my account to accommodate errors found and incorrect fees paid prior in amount slightly excess {$400.00} and that my account was in current status. XXXX verified and confirmed there were payments being held in unapplied status. 

The XXXX and self-stated XXXX argued that the XXXX lacked XXXX over the complaint as the transactions did not meet jurisdictional authority. During the active complaint, XXXX returned payments without cause. Did not provide explanation. 

I continued to make additional weekly payments. Faced hardship due to natural disaster XX/XX/XXXXXXXX XXXX requested XXXX XX/XX/XXXX. XXXX stated that I was in past due of {$1200.00} ( XXXX and XX/XX/XXXX including fees and PreForclosure fee of {$200.00} and holding unapplied payments of {$220.00} ). 

Notice of Intent to Accelerate Dated XX/XX/XXXX for XXXX due XX/XX/XXXX. Only provided ( XXXX ) received weekly payments, I requested review of the ( XXXX ) payments documented sent and provided dates of draft. 

XXXX did not return contact AFTER XX/XX/XXXX. Point of XXXX XXXX XXXX Made payment in full XXXX, on XX/XX/XXXX. Placed in XXXX XXXX, Documentation can be provided. I believe I cured all outstanding debt ( INCLUDING XX/XX/XXXX ) as stated by XXXX XXXX in email. Female security guard sitting at table in foyer facing the parking lot. 

Notice dated XX/XX/XXXX, XXXX has now escalated XXXX and Default of account after payment made XX/XX/XXXX. Has stated that I have failed to cure my debt. XX/XX/XXXX XX/XX/XXXX Scheduled. Which I deny. 

( Prior contact with XXXX XXXX XXXX after having to pay additional money to replace money order from XX/XX/XXXX, that was " allegedly '' returned without cause or legal justification that she stated in email chain to the Investigating agency to appear as untimely payments, was then recanted in private email she sent to me stating that the returned payment would have made me ( XXXX ) month paying in advance, and now I was current. 

Not to mention when I requested the documentation stating my loan was " investment loan '' and how this came to be when the initial application provided to the XXXX marked primary, I was told that " sometime '' during the transaction history, the company modified the terms, but could not provide documentation.
Product: Credit reporting or other personal consumer reports

LAST XXXX OF XXXX XXXX Under 15 U.S.C. 16811 ( 7 ) Method of verification - Description of re-investigation procedure. A consumer reporting agency shall provide to consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the Bussines name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnished, if reasonable available, by not later than 15 days after receiving a request from the consumer for that description. 
I disagree with the account listed below which appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

TRANSUNION : XXXX, XXXX. # XXXX EXPERIAN : XXXXXXXX XXXX XXXX XXXX  XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, title VI SECTION 611 please provide the names and Bussines addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt or credit management

Rental Property : XXXX XXXX XXXX XXXX, OH XXXX Lived at this property from XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX the key to the property was taken from me under false pretense. I was behind on the rent and a representative of XXXX XXXX XXXX XXXXXXXX, came to the property to deliver a 3 day notice to quit or pay and asked to borrow the key to the property to have a copy made. My total debt owed at the time of this interaction was {$1200.00}. XXXX promised to return the copy of the key within XXXX hours after I advised that was my only key. He did not return the key. In fact put the key in a lock box on the front door for XXXX XXXX XXXX employees to be able to access the upstairs apartment. The lock box code given to me did not work. They in essence locked me out of the unit because I could not secure the property and it was unsafe for my children and myself to stay there. I began to stat with a friend for safety reasons. Then secured a new lease in XXXX and completely moved out of this location. Also, the bathroom ceiling cave in XX/XX/XXXX making the property uninhabitable. XX/XX/XXXX XXXX XXXX XXXX XXXX National Credit Systems ) reported a debt of {$4500.00}. 
Initial Balance : {$1200.00} November 2023-March 2024 Charges : Rent : {$3000.00} Late Charges : {$250.00} Total : {$4500.00} I was not at this property since mid XX/XX/XXXX as explained above. I've reached out to all of the following companies to correct the amount of the debt so it can be settled : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX documents supplied & requests sent : Copy of my current lease from XXXX XXXX Copy of 3 day notice given to me in XX/XX/XXXX Copies of email communications regarding lock out XX/XX/XXXX Requested copy of a lease agreement to validate the debt Requested that the debt amount be modified to reflect the correct amount of {$1200.00} so I may settle this issue. 

After more than 2 months, none of the requests sent have gotten any response. National Credit Systems representative XXXX XXXX admits that they received the copy of my lease but state that I could have had XXXX leases at the same time. His supervisor XXXX XXXX hung up on me after leaving me on hold. I am simply trying to resolve this debt for the correct amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Identity theft, XXXX XXXX I called the equifax and report that I got stolen identity they got all my information including my social security and they Ill said they take action for this and they ask my social security number so they can freeze my credit and they can monitor my information and they will giving me a pin for text messages so I can identify if is was me, they also ask me to get liability insurance so Ill pay almost XXXXXXXX XXXX to get monitoring my account. Until now I Havent get any text messages alert and I got a new credit card that I dont even applied .My information is being used to dark web .I also filed a policed report but that told me that I dont need to call them again, I really need some helped because they took all my identity, my phone service, XXXX account email address and even social accounts has been change to a different password the more I concern is my social security that they been using to run my credit
Product: Debt collection

Attached is a breakdown along with supporting documents. 

XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt. The vehicle, a Mercedes-Benz XXXX XXXX, was repossessed with approximately XXXX miles and sold for {$63000.00}, while the original amount owed was {$86000.00}. ( diplay price {$70000.00} ) A down payment of {$5000.00} was made, followed by consecutive payments of {$1300.00} and {$1500.00} for the next XXXX months. 

Breakdown of the charges and adjustments don ; t make any sense for us + {$18000.00} No exact break down
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
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  {$47000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX XXXX : {$47000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$29000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$94000.00} ; XXXX XXXX XXXX XXXX {$8300.00} ; XXXX XXXX XXXX XXXX XXXX  {$5200.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received 2 letters stating that  Citibank  has enrolled me in an optional debt protection program and was charged a monthly fee. As far as I know this This had been a few years ago. I do not carry a  Citibank  card at this time.