23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint against American Express ( Amex ) regarding their deceptive practices and failure to provide access to a credit card account that I was approved for under false pretenses. On XX/XX/2024, I applied for the XXXX XXXX American Express Card while making a flight purchase on the XXXX website. After completing the application process, I received an email from Amex confirming my approval and providing a link to access my new card information. However, when I attempted to access this link to obtain my card number and details, the page encountered an error and did not display the requested information. Frustrated by this technical issue, I contacted Amex customer service for assistance. After multiple transfers and lengthy hold times, I finally spoke with a supervisor who informed me that, for security reasons, I could no longer access my card information through the provided link. The supervisor offered no alternative solution or means to obtain my card details, effectively rendering the newly approved account inaccessible to me. I expressed my dissatisfaction with this situation, as I had signed up for the XXXX Amex Card with the explicit purpose of using it to book travel through XXXX before seats became unavailable. The supervisor 's response was dismissive, stating that nothing could be done to resolve the issue. Amex 's actions constitute a clear violation of the following : Truth in Lending Act ( TILA ) : By approving me for a credit card account and then failing to provide access to the account information, Amex has violated the TILA 's requirement to disclose accurate and complete information about the terms and conditions of the credit account. 

Fair Credit Billing Act ( FCBA ) : The FCBA requires creditors to promptly investigate and resolve billing disputes. By refusing to address my inability to access the approved account, Amex has violated this provision. 

Unfair or Deceptive Acts or Practices ( UDAP ) : Amex 's conduct can be considered an unfair or deceptive act or practice under the Federal Trade Commission Act, as it involved deception and caused substantial injury by denying me access to the credit account I was approved for under false pretenses. 

I demand that Amex take immediate action to provide me with the necessary information to access and utilize the XXXX XXXX American Express Card account that I was approved for. Failure to do so will result in further legal action and the escalation of this complaint to the appropriate regulatory authorities. Please respond with a resolution to this matter within 14 days. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX- {$730.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2400.00}
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX : Name : XXXX  XXXX XXXX Acct # XXXX Balance : - Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX 
Acct # XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX 
Acct # XXXX Balance : - Date Opened : XX/XX/XXXX EQUIFAX : Name : XXXX  XXXX XXXX Acct # xxxxxxxxxxxx XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Name XXXX XXXX XXXX XXXX Acct # xxxxxxxxxxxxxxx XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX Acct # xxxxx XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this Complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified that I have disputed. Please resolve this manner as soon as possible Thank you.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The dispute process with XXXX began in XX/XX/2018. I sent a dispute letter certified with return receipt ( see attached ). XXXX  did not respond until XX/XX/2018 ( see attached letter ). This is unacceptable and a violation of consumer law. The response that was provided from them on the attached letter is a mere, arbitrary number that lacks veracity. In my request to them, I requested an agreement that stated their authority to collect on this alleged debt, date this alleged debt became payable, original delinquency date, as well as complete accounting of the alleged debt. XXXX failed to provide any of these. To date, they are currently reporting this entry on Transunion and it should not be reflected on my credit reports. My request is for this entry to be immediately DELETED from my credit reports and for Transunion to send a fully updated, current report to me that reflects this outcome.
Product: Vehicle loan or lease

They refused to help me even though Im doing everything in my power to lower the payments so I may fulfill the contract
Product: Credit reporting, credit repair services, or other personal consumer reports

My zales credit card was closed without my permission it has impacted my credit report negative during this period of covid 19 virus I think it is best for me through this financially difficult time not to be purchasing any jewelry that does not give a reason for comenity / Zales credit company to report closed to all 3 credit bureaus.
Product: Money transfer, virtual currency, or money service

I am writing to express my serious concerns regarding Zelle 's handling of disputes, especially in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit highlighting critical shortcomings in the platform. 

Despite my repeated use of Zelle and efforts to report discrepancies, neither Zelle nor my financial institution conducted a thorough investigation of my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions was impractical. 

The CFPB 's findings reveal deeper systemic issues, including Zelle 's failure to protect users and its allowance of repeat offenders to exploit the platform. This lack of accountability and transparency leaves consumers exposed to scams and raises significant concerns about the platform 's safety. 

I urge Zelle to take immediate steps to address these concerns, strengthen consumer protections, and ensure that dispute resolution processes are fair and effective. I look forward to your response and a resolution to this matter.
Product: Credit card

A company I hired to do business for me did not deliver the promised product. I disputed with my credit card company and instead of handling it as a dispute they handled it as fraud. Refusing to handle it as the dispute I had filed. I checked today and they still show the dispute open. I found out that Citi has a habit of handling a disputed charge as fraud in order to avoid giving the consumer their money back. This is not right. On XXXX Citi acknowledged that I filed a dispute ( attached ) and today they still show this dispute open ( also attached ) I only attached the information for the {$4200.00} but also have all the documents for the XXXX {$700.00} charges, which they also mishandled and not in a timely fashion. I filed disputes in XXXX XXXX and in XXXX XXXX you will see they were still open ( attached ). XXXX lady told me they had sent the money back to the vendor and I would never see my money because Citi made a mistake. PLEASE I BEG YOU if you need anymore documents PLEASE let me know - I have hundreds of pages showing they handled by dispute improperly and I can back up everything I am saying in the letter I did attach and more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft. I was contacted by the XXXX XXXX XXXX that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , a dispute letter to the  XXXX  credit reporting agency was sent to validate the accuracy of a bankruptcy and  2    XXXX  udgements. I never received a letter back but on  XXXX   XXXX , I called and checked the status of the dispute. I was told that the dispute was completed. The bankruptcy was verified and the judgments were deleted due to no validation. I asked who verified. I was told the bankruptcy was verified by the  XXXX   County Federal District Court.  When I contacted the  XXXX   County Federal District Court , I was told  by County  Clerk,  XXXX   XXXX   XXXX , that the bankruptcy could not be verified due to not finding any information on me. I resent a re-investigation dispute on  XXXX / XXXX / 2017  and   XXXX   received the dispute on   XXXX  -2017. On   XXXX  -2017, I called again to check the status and again was told that bankruptcy was verified. I asked how was it verified and she stated that they do n't verify. They do n't look at any paperwork and that they depend on the computer system to verify any information received. No human eyes looked at the information/paperwork until it is labeled verified into the computer. So I asked, " did you actually talk to anyone and she stated no we do n't, just sent a transmission through the internet. which is a violation of the FCRA. It was all done in less than a day and without accurate verification. I would like this bankruptcy removed due to it being inaccurate and because validation was never received to report this error. This bankruptcy is not allowing me to become a independent person. I have to rely on others for my living situation due to this reporting on credit.
Product: Checking or savings account

After being with the bank for 30 years Regions Bank sent me XXXX letters that all XXXX of my accounts will be closed on XX/XX/2023. I have XXXX personal and XXXX business accounts at Regions bank. 

There were no explanations and when I tried to call the numbers on the letter and talk to the bank representative in the branch, I was told that they do not have any information and that the department that sends these letter does not take phone calls and does not have anybody to communicate with. 

This does not make any sense. I do not understand how it is possible to treat people like this. 

I would like my accounts to stay as they are, and I would like to have an explanation why I have received such letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XXXX, my husband XXXX XXXX XXXX went to his bank, Wells Fargo XXXX XXXX XXXX XXXX, Ca, and applied for a mortgage loan without my knowledge as we are currently going through a divorce. During the loan process, the Mortgage sales consultant ran my credit without my permission. Her name is XXXX XXXX XXXX # XXXX. In XXXX, I received a Privacy notice from Wells Fargo mortgage department. When I questioned my husband he denied knowing anything about and stated " that he was not trying to use my credit '' after he realized that I knew about my credit score had lowered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter out to the creditors and XXXX i Heard back from XXXX but none from the creditor XXXX  said they cant remove it without a letter from the creditors but they want even respond back to my letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know who this company is and why their on my credit report. I have not filled out for any credit. This company is committing fraud without my legal permission and rights. When I called they told me they didn't care about what I had to say and then hung up. I also filed with a complaint with FTC about this situation and alerted the credit bureaus of this situation.
Product: Credit card

as of XXXX/XXXX/2015 as per attached statement, I had a credit of {$1000.00} available. I had received a refund fro merchandise i returned at home depot for {$730.00}. Now suddenly my credit limit is reduced by {$900.00} and it is {$4100.00} instead of {$5000.00}. This caused me to loose money i paid as well as the refund amount of {$730.00}. this is abusive practice and totally unfair on behalf of the card holder. I fell i should have taken store credit for {$730.00} and not put it back on my home depot credit card. No i do not have the merchandise and nor the credit available which was issued as refund to me on XXXX. I have attached the statements fro XXXX, XXXX and XXXX. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX card On XXXX I walked into the XXXX store and paid off my credit card in full with Cash. 

XXXX I received a statement with payment due + interest XXXX I spoke to an agent and submitted payment receipts through my XXXX account messenger. Agent said it would take 30days to investigate. All the while Im still receiving statements with late fees and my credit score is declining. 

XXXX called XXXX and spoke to an agent. Was told to call back on XX/XX/23. Issue should be resolved. 

XXXX Called and agent said that investigation is taking awhile and wait for an email. They will take care of any/all late fees. Be patient XXXX  Email received by TransUnion regarding credit score dropped by XXXX due to this bill XXXX Emailed XXXX XXXX  regarding this. Agent replied back they need an additional 30 days to investigate. 

The bill was paid in full on XX/XX/. I have payment receipts proving I did so. I forwarded all necessary documents. But Im still being penalized for doing the right thing. I have worked hard to build my credit score.If someone could please help me get this issue resolved asap. Id really appreciate it. Thank you
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and address I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reportinn act.the list of accounts below has violated my federally protected consumer rights to privacyand confidentiality under 15 US 1681 acc number : ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S C 1681 section 602A states i have rights to privacy.

15u.s c 1681 SECTION 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S C 1681s ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency.if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened a new account with XXXX XXXX ( Online Agility ) on XX/XX/XXXX. The advertised rate on that day was 1.45 %. When the account funded on XX/XX/XXXX on completion of the test deposits, the interest rate was lowered to 1.35 %. I tried to stop the opening transfer, close the account or withdraw the money and they told me I could not do any of these or have access for 30 days even though they changed the rate from the one advertised and the amount is less than {$5000.00}. This is false advertising, and they should not be allowed to do business this way. I just want to access my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed MULTIPLE accounts with this company and they have continued to send me letters back saying my information is " accurate ''. This is untrue because i have compared all of my credit reports and the inforamtion is simply misleading ALL accross the board. Can you help me? Below are  the accounts in error : XXXX XXXX : they are reporting an incorrect/misleading high credit amount of {$16000.00} & {$11000.00}. The date of last activity is misleading as well. 

XXXX  : was placed on my credit report without any knowledge. From my understanding i am supposed to be informed or notified when something is Inserted or Reinserted on my credit report. Neither action was taken on this company 's behalf. 

Please help me fix this. these accounts are reporting in error and causing me a great deal of pain. Its keeping me from homeownership. thank you.
Product: Money transfer, virtual currency, or money service

Coinbase has an ad on their website that states " Set up a recurring buy of {$50.00} or more and youll earn {$10.00} after both your XXXX and XXXX recurring buys. '' A picture of the ad is attached. The? icon in the ad links to information on pending/received rewards ( picture attached ). There is no fine print in the ad, linked to from the ad, or the " Set up a recurring buy '' form. A picture of the latter is also attached. 

I set up a recurring daily buy of {$50.00} on XX/XX/XXXX. XXXX such buys completed. I did not receive the promising bonuses. 

I opened a ticket on XX/XX/XXXX. Their reply on XX/XX/XXXX listed terms that were never disclosed in the ad. The ad is still on their website and still does not list any additional terms. 

A XXXX search for the text of those terms shows that the only place they are listed is from other people complaining of the exact same problem. Those hidden terms do not exist anywhere on Coinbase 's website.
Product: Mortgage

I did my best during covid to hang on. But due to my livelihood being taken away I could not continue. So XXXX months ago I was offered a forbearance. When I spoke to my bank they allowed me to continue until XXXX months ago they demanded all the money. I explained to them that I could not make payments. Yet they still refused and told me I must come up with the full amount. In violation of the CARES ACT they have now begun to try to take my home away. I deserve to be treated fairly and the solution is to put this amount at the end of the loan so I can continue to make my payments.