23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Here is a suggested description for your XXXX complaint against American Express : -- - **Complaint Description : ** I am writing to file a complaint against American Express on behalf of my company, XXXX XXXX We applied for a line of credit, and American Express responded by stating that we had an account with an outstanding or overdue balance. I promptly rejected this claim and contacted them to investigate further. 

Following their investigation, American Express found that there was no outstanding account with a balance, which was initially the reason for declining our line of credit application. I patiently waited for them to complete additional research, anticipating that they would issue us the line of credit. However, they never got back to us regarding the matter. 

I subsequently called them again to revisit the issue and request further investigation to secure a line of credit. Disappointingly, American Express reiterated the same incorrect statement, asserting that there was an outstanding balance on one of our accounts, which does not exist. 

As a small XXXXowned business, we are seeking an appropriate resolution and a fair opportunity to obtain a line of credit. The repeated erroneous claims and lack of resolution have been frustrating and detrimental to our business. 

I would appreciate your assistance in resolving this issue and ensuring that American Express provides a fair and accurate review of our application. 

Thank you for your attention to this matter. 

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

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 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 or other personal consumer reports

It is incomprehensible to me how my PLEAS FOR JUSTICE AND ASSISTANCE IN THE FACE OF IDENTITY THEFT HAVE BEEN REPEATEDLY MET WITH A SEEMINGLY CALLOUS DISREGARD FOR MY PLIGHT. The nonchalant DISMISSAL OF MY CLAIMS HAS LEFT ME BOTH ASTOUNDED AND DEEPLY TROUBLED. Deep-seated emotions that words alone can not fully convey - emotions encompassing annoyance, distress, anger, and profound sadness. These emotions have been triggered by the persistent denials of my legitimate identity theft claim by your bureau. It is imperative that you take swift and decisive action to address this matter within the legally mandated timeframes. Failure to do so will only exacerbate my frustration, distress, anger, and sadness. XXXX XXXX XXXX XXXX. Please DELETE!
Product: Debt collection

Received letter from XX/XX/2019 from LVNV Funding/resurgent whoever they are. This debt was a write off charge off on taxes with XXXX   XXXX! Im tired of them contacting me not validating the proof that I owe them. This is a 3rd prty collector!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 1666B A creditor may not treat a payment on a credit account under a open end consumer credit plan as late for any purpose. 
In I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore past due reportings must be removed immediately. 

XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX reporting past due XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX reporting past due Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX XXXX XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX XXXX XXXX reporting past due Dept of Ed/XXXX  # XXXX reporting past due Dept of EdXXXX # XXXX reporting past due XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XX/XX/XXXX reporting past due Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. 
Please respond promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 

Thank You for you time and attention to this matter
Product: Checking or savings account

Last week my mother and wrote me a check that falls within Ally 's deposit limits ( {$50000.00} ). I anticipated that a hold would be placed on the funds for 7-10 days, which I've found to be pretty standard for large sums that are atypical transactions. 

I have 4 accounts with Ally : 1. HYSA, 2. checking, 3. Roth and 4. Traditional IRAs. 

I deposited the check last Friday. Early Saturday morning ( XXXX ) I received a flurry of emails from Ally telling me to contact them immediately- that my accounts had been locked until I verified information. 

ALL of my accounts had been locked. Not just the pending deposit, or even just the checking account that deposit was made to, ALL of my accounts were locked and are 100 % inaccessible- even to view. 

I contacted them immediately ( per their email ) and was told that the representatives working were unable to answer any questions regarding my accounts, why they were ALL locked, and advised me that I would have to wait until Tuesday ( Monday was XXXX XXXX ) to speak with someone from Loss Prevention. 

Tuesday : I was able to talk with a rep from Loss Prevention who told me they needed to verify the check with my mom 's bank before they could unlock my accounts. I asked to speak with a supervisor to discuss if they could release the lock on my savings and investments at least and was told that their supervisors don't take incoming calls .... so maybe they'd call me back once the rep talked with them. I did not hear back from anyone. 

Wednesday : I give them the benefit of the doubt that they are working to get in touch with their fellow banking institution to verify the deposit. I confirm with my mom that the funds have cleared her bank. 

Thursday : I call to check on the status as I still have no access to my accounts ( I can't even pull statements I need to send to a lender for a property transaction in progress ). I'm told that they got in touch with someone at my mom 's bank but that bank wouldn't release information about if the check was funded. They proposed NO next steps. I request to speak with a supervisor and am again denied. 

As of this complaint my accounts have been unlocked- I received no notification and was informed after calling multiple times- the rep acted as though i just should have known. 

I am in the process of purchasing property, which is what the gift from my mother is supporting. I am deeply concerned that I'm not going to be able to access these funds at closing and that there is a high likelihood that I will again be locked out of my investments and savings accounts when I attempt to use/transfer these funds ( another large transaction ). If even a deposit can result in this level of inaccessibility I can only imagine the same for a withdrawal. 

At this point I want to move all of my funds out of Ally bank and am not able to get information from them as to the process by which to accomplish this without triggering additional account locks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents to understand what had happened.
Product: Credit card or prepaid card

I have a Bank of America credit card. Upon receiving the credit card in XX/XX/2018 I set up automatic bill pay on my account. The options for automatic bill pay are to pay : 1 ) Minimum amount due as indicated on e-Bill ; 2 ) Amount due as shown on e-Bill ; 3 ) Statement balance as shown on e-Bill ; or 4 ) a set dollar amount. I selected # 2 " Always pay amount due as shown on e-Bill.

However, Bank of America did not accurately implement the automatic bill pay in accordance with my selection. Instead of making automatic payments in the " amount due as shown on e-Bill '', Bank of America consistently made the payment option # 1 " Minimum amount due as indicated on e-Bill '' and subsequently charged interest on my account for the remaining balance. 

I spoke to a Bank of America customer service representative on XX/XX/2018 on a call to the customer support line which began at XXXX Pacific Time and lasted for 30 min. On that the call, the customer service representative confirmed that I had indeed selected automatic bill pay option # 2 " Always pay amount due as shown on e-bill '' and confirmed that Bank of America had instead implemented option # 1 " minimum amount due '' and that this had indeed resulted in interest fees accrued on my account. 

I requested that the interest fees be refunded to me given that Bank of America had not in fact implemented my automatic bill pay selection and I was denied such refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes in regards to a dismissed XXXX XXXX XXXX file date of XX/XX/XXXX to XXXX, XXXX, and transunion about the validity of report on my credit report. these disputes have been made over the course of the last 4 months starting on XX/XX/XXXX. Each time, the bureaus claim to have verified the information with the U.S. Bankruptcy court! I have contacted the said court and have been told explicitly that they do not and never will share or verify information with any credit bureau or anyone for that matter. Furthermore, I have asked the bureaus for written, signed verification from the ORIGINAL reporting agency bearing my full name, social security number and date of birth confirming this Bankruptcy belongs to me. They have not done so! This is a clear violation of the FCRA! The information they are reporting is preventing me from obtaining housing. Also, in the eyes of the law, any case, civil or otherwise that is dismissed no longer exists. Therefore, they have no right to maintain information that the government has deemed nonexistent! Pursuant to 1681 ( a ) ( 5 ) of the FCRA, this must be deleted from my credit reports.
Product: Bank account or service

I took out a home equity line 3 years ago but rarely used it. I was accessed a {$50.00} annual fee each year. Upon calling on last XXXX occasions the fee was refunded. The bank branch manager had assured me that even if I do n't use the XXXX line, my fee will be refunded. Upon calling this year, my fee was not refunded and the customer service agent recommended that I close the Home Equity line to avoid the fee in the future. I agreed provided that my annual fee was refunded. The agent was quite rude and refused to refund the fee. I told her to close the account. 
I complained to the bank 's online customer service agent and was given a brush off in the form of a standard e-mail response. I request that the fee be refunded to me now that the account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XXXX of 2022, I have been battling with Experian customer support on unauthorized access and changes to my online Experian account. There have been several calls to reset the email and username after someone other than myself has logged in, changed my information, and unfrozen my credit file. After resetting my account, it happened again sometime between XX/XX/XXXX through the XXXX. Experian said their is nothing they can really do if the other party involved, we will call them the attacker, knows my personal information because they can recreate my account without any form of validation if the account with the SSN attached to it already exists. 

I have explained this to the Experian representative without much incentive on their part to fix this issue. There is a flaw on how Experian accounts are created. With a victims information such as a leaked SSN, the attacker can recreate the victim 's account without first notifying the victim of such activity or promoting some form of two-factor authentication. After the attacker has access to the Experian account, they can reset security questions and unfreeze your credit file even if you placed a freeze on your account with a PIN, which was recommended by every representative. Unfortunatly, they claim that new technology allows them to no longer require a PIN if you have access to their online account. Also, once anyone good or bad has created or recreated your account, they can sign up for their XXXX plans and effectively pull all credit reports from XXXX and XXXX, leaking untold amounts of historical data that can be used to further verify security questions. 

As of now, Experian knows of this issue and only suggests create an account and actively watch your email for account notification changes, which received means the account has already been changed. There is no way to opt out of the internet service or force them to only verify account changes by mail. The only other options their fraud department recommended was to file a police report and also file a complaint with the Consumer Financial Protection Bureau. 

There is also an article that goes into further detail about this exploit here : XXXX XXXX XXXX
Product: Mortgage

I have two problems regarding my PMI policy and the way it was handled by US Bank. Issue   1 is frustrating but no longer relevant to being fixed for me, issue 2 is still a problem.
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1 ) PMI insurance has to be maintained for 5 years before you can request cancellation. I refinanced my loan after having it for 4 years to get a lower interest rate. Nobody informed me it would restart my PMI clock, so I 've had PMI insurance on my loan for   almost 9 years, which is frustrating at over {$75.00} per month on a {$550.00} mortgage.
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2 ) 3 months ago, I reached 5 years and less than 80 % and I have met all other qualifications to remove the PMI from my loan. Nobody called or sent a letter to inform me I could get it removed ( irritating ). So I called and spoke with a rep who verified all the qualifications and said I qualified to have it removed. I asked him to request it removed and he said, " I ca n't ; you have to send in a request in writing to have it removed. This feels like a run-around to get even more money out of me and make it mor  e difficult to cancel it so I might just not worry about it and keep the PMI. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX   XXXX XX/XX/2018
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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: Checking or savings account

I opened a savings account with Capital One on XX/XX/20. Terms and conditions do not disclose that ability to wire funds out of account will be limited, not does the operative " Wire Transfer Disclosure. '' The closest the latter comes is stating : " We reserve the right to reject any Wire Transfer Request. We may restrict the use of wire transfers for new accounts and newly added joint account holders. '' I tried to wire funds on XX/XX/20 for the purchase of a home. Capital One 360 did not permit a wire transfer. Representatives of the bank informed me on two separate phone calls on XX/XX/20 that the bank has a blanket prohibition on wire transfers in the first 60 days after an account is opened and that no exceptions will be made from this policy. 
If this is in fact their policy, this must be disclosed to consumers at the time an account is opened. I will now be in breach of the purchase agreement of my home.
Product: Debt collection

My identity was used to get a credit in XXXX from Midland Credit Management and the XXXX XXXX Department just sent me email about it for the first time XX/XX/XXXX. 

I was told I'm owing a balance of {$1800.00}, which was used to purchase something from XXXX XXXX XXXX XXXX 

I called the XXXXXXXX XXXX yesterday and let them know I know nothing about this whole transaction and it's identity theft. 
I told them know my ex wife may likely be responsible for this without my consent. 
Just the same way she did during pandemic, which I filed fraud report with bank XXXX XXXX and police, and i have docuuments and case number to each. 

The agent I spoke with from XXXX Collections Department advised me to report it under federal trading commission and the will also flag it fraud on their side, so proper investigation can be done
Product: Debt collection

on XX/XX/year> a account was opened for XXXX. I was unaware of this until checking my credit and I seen an account for preferred credit. I reached out asking for information on this account, I eventually received a purchase agreement after I explained I never authorized the opening of this account. Again I had to reach out because I could not find the original agreement that was sent, I explained the situation and this time the person would not send me the agreement, I told them I needed the information as It was fraud and that they reporting it to my credit falsely. I reached out again on a later date again explained the situation, told them this account was not mine that I lived in XXXX and was at work the day it was opened in XXXXXXXX XXXX and it was no way I could be in two places at once. I received a copy of the agreement. I asked for them to stop reporting the false information I sent them a letter from the FCRA for identity theft and they are still falsely reporting.
Product: Credit card

Citi Simplicity Credit Card Complaint I have made more than 10 calls related to get my credit card from Citi Simplicity. This is because the card has never arrived at my address. And it was approved on XX/XX/XXXX, and we are in XX/XX/XXXX, and it is not properly delivered. I solicited this card to buy two bikes. They send to me a email that say that I can spend {$1000.00} for start. And my card will be delivers soon. And then the problem begins. They send to me a card with XXXX XXXX in XXXX XXXX. The card was return to the Citi simplicity facility because I will never take the card. But the problem is that XXXX never notified me about the arrive with a label card or a call. I miss the letter because they are inefficient. Well, when I call Citi and tell them the situation, they close my account and tell me that they will be deliver another card with a new number. I have waiting for the card since XX/XX/XXXX. We are in XX/XX/XXXX and itss not here. I call them on XX/XX/XXXX and they tell me that they send me another card. Its not delivered again. That is the thing with this company. I say to they that I start to think that they are a fraud. I really need answers. 
They are lying about the delivering all the time I call them. And they say that they have wrong address, and XXXX must reprise my address continually every time I call the bank. 
But the curious thing is that I received the billing letter from Citi Simplicity charging. And they don't have my right address? 
The company uses a XXXX ( XXXX ) that does not work efficiently in XXXX XXXX. Well, they don't leave a notice or call to notify that a letter has arrived. I let them know my concern in all the calls made and they mention that they will be shipping it again with XXXX and other Citi agent say that they will send to me with regular post office ( USPS ) and it is not shipped. 
It has been too late, and I want to know how we can resolve this matter once and for all.
Product: Checking or savings account

am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises
Product: Debt collection

Arc services contacted me on XXXX XXXX, XXXX during work about money my friend owed for the bail bonds that I have cosigned for. The agent XXXX XXXX appeared sympathetic and offered to make a deal with me. I told him to give me a little time to contact my friend whom I have not talked to in 4 years. 2 days later he called me and asked if I wanted to make a deal with him or not. He appeared aggressive so I told him I do not want him to call but to email me instead. Then I hung up. He continued to call then left a voicemail and texting me threatening to sue me and garnish my wages. He texted me my email was incorrect and to send him the right one. I told him after I send him my email to stop texting me. He continued to text me after I sent him my email and said that I have one more chance or else. I called him and told him that I will continue to try and call my friend about to situation and to stop harassing me.
Product: Debt collection

I have 13 debt collection accounts caused by identity theft. I've never lived and any of these rental properties.