23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received an AMEX Digital Gift Card for the amount of {$400.00} from my employer on XX/XX/2024. Per AMEX 's website balance check, the full amount of {$400.00} was available for use. When attempting to use the card with online merchants for the amount less than {$400.00}, it was constantly being declined. I opened a case with AMEX Gift Card customer service on XX/XX/2024 they deactivated the digital gift card and now it says " Unknown Error '' with the card number and balance completely gone, like it never existed. They collected my information such as Name, Address, Phone, Email, and they said it would take up to 30 days to resolve. I followed up on XX/XX/2024 because I did not receive any confirmation email other than a XXXX # for reference. It felt like a scam. I contacted them today, XX/XX/2024, and they said that it would take up to 30 days to investigate and issue me a new card, and if the card doesn't work again then they will send me a check for {$400.00}. I said that it has been more than 30 days and asked if this could be escalated. The agent said no and to give it one more week. If it is not resolved by next week, then they will escalate the issue. After reading on XXXX that many other AMEX Digital Gift Card recipients have experienced the same issue, I do not want to deal with having another gift card that may not work but it appears that their re-attempt to rectify the problem is to issue another card before sending a check for {$400.00}. 

Attached are screen shots of the original email that I received from my employer for the AMEX Digital Gift Card plus the credit card number that used to exist. Additionally, I've included my employer 's receipt/proof of purchase.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


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

I have submitted disputes to XXXX, XXXX  and TransUnion regarding inaccurately reported late payments for accounts that were in forbearance. The accounts have since been closed but the accounts late payments are still reporting inaccurately. In addition to that, other information is reporting inaccurate as well just as the date of late payment and date the account was open. The bureaus have failed to provide me with detailed information regarding the verification and proof of the verification. I have spoken with countless representatives at all three bureaus as well as the lender.
Product: Credit reporting or other personal consumer reports

Synchrony, guitar center credit card. 

A complaint was allegedly filed, but the customer service claimed I can not receive any correspondence, and claimed I can't do anything to dispute besides contacting XXXX. However, XXXX is correct in their reporting, their conclusions are not based on trends or objective information. 

XXXX, XXXX, XXXX  my credit limit was decreased to XXXX XXXX, XXXX, XXXX, my credit limit was decreased to XXXX. 

From procurement of the card, to this date, my credit score has gone up. My credit usage has gone down, and in the past several months I have paid off about XXXX in credit cards. Everything has been improved in my credit score.

I received letters claiming issues with credit usage and too high of balances on other cards. As I said, these claims are false. They have only improved since applying for the card, and definitely improved between XX/XX/XXXX and XX/XX/XXXX. 

Both decreases occurred at or around me paying my Synchrony card down by between XXXX. 

No other credit card limit has decreased in the mean time.

Now, my credit score is impacted, and shows that my usage is down, despite nothing having changed for the worse besides this faulty decision.

Synchrony said I can not do anything besides apply for an increase, which would further impact my credit score.

Considering trends in my credit usage and credit score, the limit should have been left alone or increased, not decreased suddenly at the time of me nearly paying it off. Both decreases coincided with my making large payments, with new limits coincidentally aligning with the balance that I paid down to at that time. 

Additionally, it claimed I had too many inquiries. Those inquiries into credit were through " pay in XXXX payment '' options with PayPal. PayPal claimed it wouldn't affect my credit score, but clearly it's impacted it somehow.
Product: Credit reporting or other personal consumer reports

This morning, I found inaccurate accounts on my credit report, and Im completely lost as to how they got there. I check my report regularly, but this time, there were errors that appeared out of nowhere. I even tried refreshing the page, hoping it was just a browser glitch, but nothing changed. These inaccurate accounts stayed, and its left me feeling helpless. Im pleading for the documents Ive sent to be reviewed carefully so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report this negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}
Product: Bank account or service

XX/XX/XXXX, 8 years ago, Bank of America in XXXX XXXX, California, gave us the contents of a checking and savings and access to a EMPTY safe deposit for a deceased relative. 

Bank of America withheld the existence of another safe deposit box for 8 years and only notified us XX/XX/XXXX, after they drilled it open and provided us an inventory which showed cash, legal docs, XXXX insurance policies, and other valuables. The inventory was conducted by Bank XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. However, they failed to sign the Inventory, as required by law. All signatures were left blank. 

I believe XXXX XXXX and XXXX XXXX stole the contents and only sent this notice because they did not expect for me to be living at the same address as the box owner 8 years later. Throughout these years they 've never notified me of the existence of the box and I 've lived at the same house that we inherited from the deceased and that is on the deceased 's account. 

Upon receipt of the notice of the box, I provided them with all the documentation they requested. Upon confirmation that they had received all the documentation they needed to release the property we had an appointment to get the contents. 

When I arrived for our appointment they first lied and said they could n't find it, then they found it but refused to release it because a " mysterious '' person 's name had been added to the account. No one knows who this person is, not even the bank because there was no ssn, date of birth or any other identifying characteristics. The name was a common name that could be XXXX people. Based upon this unknown person, they refuse to give the us the property. 

Again, I suspect local bank employees or management, XXXX XXXX and XXXX XXXX have stolen the contents, placed some unknown fake name on the account and now the local branch is know covering up for them. They wo n't provide me with any procedures to recover the property and keep giving me the runaround. 

Please help.
Product: Checking or savings account

On Sunday early morning ( XX/XX/XXXX ) at about XXXX my account was hacked and over 29 transactions were presented to my account from 3 different companies XXXX- 25 transactions@XXXX XXXX- 2 transactions@XXXX XXXX XXXXo- 1 transaction@XXXX XXXX XXXX XXXX 1 transaction@XXXX ( this is a supermarket that is not open at XXXX am ) totaling : {$2400.00} Money was moved from my savings account. This is money that took me years to save for my family. Hard earned money that while I slept someone took and used at their leisure. Who makes this many transactions starting at XXXX.? 
The phone number on my account was changed to XXXX as per an email I received from CHIME @ XXXX. 
This is not my phone number My account was also assessed in South Carolina @ XXXX and then again in XXXX XXXX XXXX on the same day Emails I received on my account from CHIME is attached showing all the different changes made to my account, on XX/XX/XXXX that I never authorized.
Product: Credit reporting or other personal consumer reports

I have never given Factual Data the Athorization to my XXXX XXXX, this agency is now on my credit report. 
Also XXXX XXXX I have not given then approvel to run my credit.
Product: Debt collection

I received a letter from dcm services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Mi XXXX, They identified themselves as a debt collector. The matter concerns XXXX they say I owe XXXX XXXX. I called the billing department to ask if I had any outstanding charges and they said I had a XXXX balance. They also gave me the phone number to the department that handles billing for the ER doctors which handles the only other possible department that could have accounts due. They also say I have a XXXX balance. I called dcm to request detail ( as the hospital provides ) on doctor names, procedures, etc. They sent me a sheet that says as follows : a number XXXX XXXX XXXX XXXX XXXX XXXX a date an amount Absolutely no physician names or procedures. I then asked why I didn't receive a bill direct from the hospital like I did on the charges that I paid to the hospital directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dated XX/XX/2019 XXXX XXXX has submitted a letter that this XXXX XXXX account be deleted.Account Number XXXX
Product: Mortgage

I have been refinancing XXXX home mortgages. The mortgages are currently with Wells Fargo, and the refinancing was to be through Wells Fargo. The process was started in XXXX, when interest rates were near their all time lows. I was given a rate lock in at that time. They failed to process the loans in a timely fashion, they claim because of a large volume of loan applications and not enough staff to process the loans in a timely fashion. When the loans were being processed, they could not get the HUD correct XXXX XXXX HUD had a closing cost of {$49000.00} XXXX. This required extension of the rate locks, which I have just been informed, incurred a cost to me for the extensions. 
Additionally, they are refinancing XXXX loan at the original equity balance present when the process started, and are not giving me credit for over {$4600.00} in principal that has been paid since inception of this process. Therefore, on XXXX loan, the closing costs are {$3900.00} but the real costs are in excess of {$8500.00}. This problem is in addition to the previously stated lock rate extension costs they have added to the closing costs. This, to me, is a bait and switch. 

I am supplying documents for XXXX loans. The primary residence AND a XXXX residence
Product: Vehicle loan or lease

I made my payment that is due on the XXXX of the month on XX/XX/XXXX. I make my payment on the XXXX of the month every month with the exception of maybe 3 month in the last 2 years. 

In XX/XX/XXXX I made it as usual and the finance company Global Lending Services has been harassing me about the payment not being made every since. I provided them proof of payment and the payment still has not been posted to my account. 

They are threatening to and possibly have assessed late fees. Their website does not show late fees until the billing statement is generated. 

They have a history of harassing me after a payment arrangement advising I will pay on the XXXX of the month has been made for the last two years. I have voice mails to prove this as well as text messages stating they accept the arrangement, prior to the messages demanding payment being left ( which is a FDCPA violation ).
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

ACCOUNTS : ( 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 ) An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with 4 accounts that are fraudulent and I need to have them deleted ASAP they are not mine.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Formal Presentment of On Demand Promissory Note for Processing This information was sent to XXXX ( XXXX ) XXXX XXXX, Relationship Manager Business Banking on XXXX XXXX I trust this communication finds you in good standing. I, XXXX XXXX, herein referred to as the " XXXX, '' am writing to formally present a negotiable instrument, specifically a promissory note, for processing at Bank of America, The particulars of the promissory note are delineated as follows : Principal Amount : {>= $1,000,000} ( XXXX XXXX Dollars ) Date of Instrument : XX/XX/year> Scheduled Payments : {$2000.00} ( XXXX XXXX Dollars ) per installment Enclosed herewith, I submit a true and accurate duplicate of the promissory note, accompanied by all requisite ancillary documentation. 
It is crucial to underscore that this promissory note is presented in strict accordance with the statutory framework outlined in the California XXXX XXXX XXXX  ( XXXX  ), notably governed by Article 3. The instrument meticulously adheres to all essential requisites for negotiability as prescribed by California law, including but not limited to its tangible manifestation in writing, explicit articulation of a promise to pay, and the authentication of the XXXX 's signature. 
Furthermore, due diligence has been exercised in ensuring compliance with California 's usury laws, as articulated

in the pertinent sections of the California Civil Code, specifically Sections 1916-1 and ensuing provisions. Additionally, adherence to relevant provisions of the Federal Reserve Act, namely sections 18 ( 6 ) & 16 ( 1 ) ( 2 ) ( 4 ), has been diligently observed. Should any supplementary documentation or information be necessitated by the esteemed institution to facilitate the expeditious processing of the promissory note, I affirm my
unwavering commitment to furnish such documentation forthwith. 

Thank you profoundly for your attentive consideration of this submission. An expeditious and compliant processing of the promissory note is eagerly anticipated. 
Respectfully submitted, XXXX XXXX
Product: Student loan

My name is XXXX XXXX ( SSN *********** ). I am in the process of filing for bankruptcy and have fallen a little behind on my student loan from XXXX XXXX ( now Navient ). Navient has called a minimum of 4 times per day, does not leave messages, hangs up when I answer, and has started calling family members as well ( several times a day- 4 times yesterday, XXXX XXXX, and three times so far today, XXXX XXXX ). I believe this level of activity constitutes harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following fraudulent inquiries in my credit report. Mercedes Benz Financial is not cooperating with the investigation or willing to remove fraudulent inquiries. 

Fraudulent Inquiries : XXXX XXXX XXXX XX/XX/2021 MB FIN SVCS- XX/XX/2021 XXXX XXXX XXXX ( Auto ) - XX/XX/2021 2021
Product: Debt collection

I have contacted CBSA many times throughout the past year regarding a debt collection from them that shows on my credit report as " paid ''. 

This balance was never " paid '' to this company. I paid the college. 

Although I have talked to XXXX ( the college ), CBSA ( collections agency ), as well as the 3 credit bureaus, I have yet to get a clear answer of how this can be removed. 

CBSA tells me that the report is correct since XXXX reported this as a " paid off '' balance. 

This balance however was not paid through CBSA and should not show up as so. Looking at all 3 of my reports, this collection that was " paid '' affects 2 of my reports ( XXXX and XXXX ) and will affect me until 2029.
Product: Mortgage

I have been in dispute with Green Tree Servicing / Ditech since mid last year over my account. Charges for filing bankruptcy and foreclosure were added to my account in 2005, but my husband nor I have ever filed bankruptcy and our home was never foreclosed on. I have disputed these charges and Green Tree Servicing/ Ditech just keep sending me the same letter a month or so later with the same claims and my dispute is not being addressed. They have also claimed that I paid these fees off and this concerns me because I was never made aware of these fees to my account and I was under the impression that all of my payments were going towards my mortgage, so it is my impression that the company was using my mortgage to pay off fees that should never have been applied to my account, which would have resulted in further fees and more interest. Also, in the most recent letter they have claimed that I owe {$4600.00} when I only owe {$1700.00}.
Product: Money transfer, virtual currency, or money service

I was contacted by phone from a XXXX rep from a XXXX phone number. 
The representative had all my account information and was in my accounts going over transactions I made earlier that day and week. The rep was a fraudster. 
Convinced me to create wires and attach police report numbers to them to reverse fraudulent wires the rep claimed had happened. Total loss XXXX. All to 3 seperate accounts at Bank of America. 
XXXXXXXX XXXX XXXX  personal acct XXXX XXXX business acct XXXX XXXX business acct XX/XX/XXXX XXXX XXXX business acct I contacted FBI and have been working with them ever since. FBI spoke with Bank of America investigations and they confirmed partial amount of XXXX and full amount of XXXX were available to be returned. They requested Hold Harmless agreements from XXXX to Bank America. 
The XXXXXXXX XXXX transaction was returned, {$28000.00} The largest transaction has still not been returned. Bank of America is claiming discrepencys with the Hold Harmless letter sent, per the fbi. XXXX will not directly or effectively communicate with Bank of Americas Hold harmless indemnification department and resolve issues to get my money returned. It has been over 120 days!!! I have sent 2 wires in the past three years. XXXX gets wired out and no one from XXXX fraud calls me to confirm. My family has been ruined- The money was our financing to build our new home. Please help.
Product: Payday loan, title loan, or personal loan

Due to inflection in use of language. I feel my loan was denied based in an unspecified biased. The company continued to try to find reasons not to fund my loan. My Credit and income met the underwriting requirements. The reason given ultimately for the denial is suspect. The verbal reason was in reference to a credit report from an alternative company. The credit report used in the original qualification matched the credit report that was claimed to have disqualified me. The company refused to give me a detailed accounting on why my loan was denied in writing.
Product: Consumer Loan

I sent in a XXXX dollar check for a lump sum payment to be applied to the principal only not the intrest and I wrote this on the check. Now that I am refinancing they told me that I do n't have to make a payment until XX/XX/XXXX but when I refinance I should not loose the XXXX dollars I put down.
Product: Credit reporting or other personal consumer reports

about XXXX weeks ago I called repeatedly to request to modify my information, my name, address, phone number and work information is totally incorrect, they claim that it can not be modified because someone reported them, the reality is that I only have one address, one name, phone number and employment.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent 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 recovery lost funds was impossible and that tracking these transactions was infeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, Upon reviewing my Credit Report on XX/XX/2022 I noticed that for the month of May 2022 is reporting to be over 30 days late. 

I contacted the company XXXX XXXX and spoke with representative XXXX ( the representative would not provide a ID number. 

The representative reviewed my account and confirmed that there is no indication of my account ever being 30 days late. 

The company would not provide any information over the phone and will send a payment transaction via mail.