23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a business credit card with American Express, and an additional card for my husband. The cards say 'American Express Business Platinum XXXX on them. After seeing a number of billboards at our local airport stating that Amex Platinum card holders could enroll in TSA XXXX and have the fees credited, ( and also calling Amex for additional info regarding the program ), my husband and I went to TSA.gov, enrolled, and visited our local TSA assigned center XXXX/XXXX/16 as instructed to complete the process. The fee of {$85.00} was charged to each of our cards and appeared on my XXXX statement. However, the credit for the fees, {$170.00}, did not appear. Today I called Amex to inquire as to when to expect the credit and was told that my card is 'not actually a platinum card ' although it is clearly printed on both of the cards for my account. I am also told that I do n't qualify for the benefit because 'the card is not a platinum card ' ... .although the card actually has the word 'platinum ' printed on it! When asked to explain, customer service stated that 'platinum ' is just the color. My response is that no other card in the line of Amex cards has a COLOR printed on it. I also inquired as to how any account holder would know there is any difference as they are suggesting, to which I was told they do n't know. Ultimately, I was offered {$85.00} to resolve the issue after being told that they were n't sure it would be covered even 'if ' I had a 'platinum ' card because it was from a third party service and we didnt use TSA because the fees were billed as 'XXXX/XXXX '. I actually had to inform customer service that TSA.gov is where the application is processed ( which we did ) and they send you to a local office as fingerprints and interviews ca n't be done online. They take your credit card when you complete the application in person. I declined the {$85.00} as I am adamant that if the benefit applies to cards that are 'platinum ' that they should honor either their commitment or their error. I have been an Amex card holder for almost 20 years. I stated that if they would not do the right thing then I would close my account. I was put on hold, and then sent to the 'cancellation department ' where I was offered {$100.00} to keep my account. I again declined as they are very clearly wrong and I spent at least an hour on the phone attempting to amicably resolve this. They are well aware of what my card looks like, and what it is printed on it. There is even a picture of my card on my account page on their site. It is absolutely ridiculous that they have tried to defend such an egregious mistake. They are guilty of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is it that these credit reporting agencies or continuing to mis report these unauthorized accounts on my credit report, I have previously reported that my identity was compromised and the result is these unauthorized fraudulent accounts that I'm demanding be removed from my credit files immediately. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX XXXX {$240.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$810.00} 5. XXXX, XXXX {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to Experian to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Credit card or prepaid card

In XX/XX/2018, I sent in a balance payment for my Cabela 's   credit card administered by Capital One, 10 days prior to the due date. Thirteen days later, I noticed that the check had not cleared my Credit Union, so I called Capital One, and after a conversation with the service personal, decided to provide my Routing and account number, to pay the new balance, and close the account. Assuming the first check was lost in the mail, I stopped payment on it. That caused chaos at Capital One. They debited my account, the amount of the stop payment check. Then for some reason, Capital One sent me a check, for the amount of the stop payment check. And told me I now owed them the amount of that check, plus interest and penalty. I called their service line, and finally got put through to a supervisor, that noticed the unusual activity, and said they would investigate, and get back to me in a week to 10 days, with an answer. They never contacted me. Then I started getting all kinds of calls from what sounded like their bill collecting department. And sent me a statement, for the balance plus interest and penalties. So I decide to just pay them, the balance including interest and penalty, and sent it to them priority mail, so I knew they couldn't deny receiving the payment before the due date. Today I get a statement for a new {$69.00} balance ... With a statement that doesn't itemize the charges. HELP! I just want them to close out my account, and explain why I owe them an additional {$69.00}
Product: Money transfer, virtual currency, or money service

In XXXX 2022, I became a victim of a scam thru phishing. The scammers gained access to a zelle account that I have used once, several years ago. They removed {$500.00} from my checking account. Neither XXXX nor Zelle would return my funds. I have since deactivated the Zelle account, although its still listed in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The open date is wrong. this debt is over XXXX years old negative but Experian still has it on my file. 


Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$310.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
Product: Student loan

I started the negotiations XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.At that time that they began garnishing my paycheck at {$600.00} per month. I explained at the start of the school year that the $ XXXXwas too much considering that I only got {$1000.00} net every two weeks. 
However, they continued the garnishment up until the XX/XX/XXXX. I became unemployed and remained so until XX/XX/XXXX. At that time I continued the negotiations until XXXX or XX/XX/XXXX. 
I then decided that it would be best to get the legal system involved dueto the difficulty in getting XXXX XXXX XXXX XXXX XXXX XXXX tounderstand my dilemma. Thus, I sent a request to XXXX XXXX XXXXCourt to help with the negotiations. The court did not hear from XXXX XXXX XXXX XXXX for at least 10 months. As a result, Ireceived a notice of the potential dismissal of the case notice from theXXXX XXXX XXXX Court of XXXX XXXX, Florida dated XXXX XXXX, XXXX XXXX see attached document ). As I read the notice, I understood that thecase would be dismissed because of the 10 months of nonresponsefrom the XXXX XXXX XXXX XXXX XXXX XXXX. The hearing wasset for XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXwas given 5 days to respond and did so within that timeframe. As aresult, a new court date was set for XXXX XXXX, XXXX. What puzzles meis why was there such a long delay in getting a response from XXXX XXXX XXXX XXXX during the 10 months of their cone ofsilence. However, as soon as they were told the case would bedismissed, they responded within 5 days. I was unable to attend XX/XX/XXXX court date because this date was within the first week of myreturn XXXX, which is a contracted week XXXX and all staff must be present. 
As a result, the ruling was in the favor of XXXX XXXX XXXX XXXX XXXX, with a garnishment of {$650.00} every month from mypaycheck.
Product: Student loan

I am a XXXX currently in my last year of XXXX. I have student loans with XXXX companies, FedLoan ( ~ $ XXXXcurrently in forbearance ) and National Education . I have been able to defer/forebear my loans during my training, as a XXXX is not sufficient to make payments while supporting my wife and child. They have requested several forms over the past two months, of which i have sent to them and they have continued to reject. My loans are in delinquency currently and they have been unwilling to budge on their stance. I have explained to them that I will only need to defer payments until after XXXX of 2016 at which time I will be employed as an XXXX and my income will be substantial enough to pay off the entire {$25000.00} balance with XXXX XXXX within a few months. They have requested on separate occasions, and subsequently rejected, a copy of my fellowship contract, a letter from my program director, as well as a letter from XXXX stating the status of my Federal loans. During the period of obtaining these documents, and them being rejected, they have begun charging late fees. It seems that their strategy MAY be to make it as difficult as possible to defer loan payments so they can bill a late fee and continue to reject documents they specificaly request in order to force a payment. I am not trying to skirt payments on my loans. I just need to feed my family until XX/XX/XXXX on my XXXX. after which I will certainly be finacially secure enough to pay off the loan in a very short time. 

Thank you
Product: Credit card or prepaid card

I WAS A VICTIM OF FRAUD I BELIEVE SOMEONE GOT ON TO MY ACCOUNT AND ADDED A XXXX XXXX XXXXXXXX CHECKING ACCOUNT ON MY ACCOUNT WITH XXXX CARD PAYMENTS WERE MADE IN THE AMOUNTS OF {$1700.00} & {$1900.00} THEN THE CREDIT CARD COMPANY CREDITED MY ACCOUNT, BUT WHEN THE BANK TOLD THEM THERE WERE NO FUNDS IN THE ACCOUNT THE CREDIT CARD COMPANY CHARGED MY BACK WITH THE AMOUNTS OF {$1700.00} & {$1900.00} I DID CALL THEM TO EXPLAIN THE PROBLEM BUT THEY REFUSED TO HELP. 
PLEASE HELP ME RESOLVE THIS ISSUE ASAP THANK YOU
Product: Credit card or prepaid card

We have an account with Wells Fargo from the company that installed our new air conditioning system. It has set equal payments and no interest. Back in XXXX my payment was five days late because of the way our checks fell, and I completely forgot about it. When I logged in to pay the bill I was told that I had to pay a double payment. One for XXXX and one for XXXX plus a {$27.00} late fee. Not a big deal, I was late. I get that, it happens. Keep in mind I was FIVE days late. Two weeks after the double payment I get a notice that I havent paid my bill for the month of XXXX. Another late fee has been posted to the account. When I call customer service they tell me it is because I paid early and the double payment applied to XXXX billing cycle. I was told that they had to put in a request to split the payment to cover both XXXX and XXXX, and to wait till the normal due date to pay XXXX bill. XXXX due date rolls around, I pay what I was told when I was told just like normal. By now Ive got multiple late fees and interest is not being added to my interest free account. I called again last week, I was sent straight to collections, and was told that they would put in ANOTHER request to have the double payment split. Earlier this week everything on the account was put back to normal. But they have reported my account as 30 days late twice to the credit bureau, causing my score to drop significantly
Product: Credit reporting or other personal consumer reports

My information was used to obtain credit card I have spoken with credit agency and asked them to remove off my credit report. Still have not done so
Product: Credit card or prepaid card

I made a one time purchase at the XXXX store and opened their their comenity bank card to get a discount. I am continually getting interest charges which they say they wave and no charges are pending but then every month I get a interest rate fee. I call and try to pay the fee and they keep saying no pending charges. But I keep getting a fee and interest payment bill every month. Starting from XX/XX/2021 until XXXX XXXX
Product: Checking or savings account

Subject : Urgent : Unjustified Account Freeze and Unauthorized Withdrawal by Capital One Bank - Seeking Your Assistance Dear Sir, I hope this letter finds you well. I am reaching out to you with a heavy heart and a deep sense of frustration regarding an ordeal I've been facing with Capital One Bank, and I'm sincerely hoping for your intervention to bring about a fair resolution. 

In XX/XX/year>, I embarked on what I hoped would be a fruitful banking relationship with Capital One Bank. I diligently deposited funds into my account and awaited the arrival of my card. However, much to my dismay, my optimism quickly turned to disappointment when, upon attempting to use my card, I found that my access had been abruptly blocked. The reason? I was asked to visit the branch for verification, a task that I found myself unable to complete at that particular time due to unavoidable circumstances. 

Despite my inability to physically visit the bank, I continued to receive monthly statements from Capital One, reassuring me that my hard-earned money was safe and sound within my account. This sense of security was shattered when, in XX/XX/year>, I received a statement indicating that funds had been withdrawn from my account on XX/XX/year>, without my knowledge or consent. 

Understandably alarmed, I immediately reached out to Capital One Bank in search of answers and a resolution. Regrettably, what I encountered was a frustrating barrage of excuses and evasions from their representatives. Despite my persistent efforts to understand why this unauthorized withdrawal occurred and to reclaim my funds, I was met with nothing but dead ends. 

The toll this ordeal has taken on me is not just financial but emotional as well. The sense of betrayal and helplessness is overwhelming. As a responsible citizen who places their trust in financial institutions to safeguard their assets, I find Capital One 's actions inexcusable and unacceptable. 

With all this in mind, I humbly implore your office to investigate this matter thoroughly and ensure that justice is served. I ask for your guidance and support in holding Capital One Bank accountable for their actions and in securing the compensation that I rightfully deserve. 

Thank you for taking the time to read my letter and for considering my plea for assistance. Your intervention in this matter would mean the world to me. 

Warm regards, XXXX XXXX Phone : XXXX
Product: Checking or savings account

In early XXXX I received papers from the Navy Federal Credit Union, along with a XXXX. I immediately called the Credit Union and told them that I had no idea of what was happening, apparently someone had opened up an account with them using my SSN & name. They told me that they were going to close account and address the situation. 

I continue to receive information from them about the delinquent account, at which time I call them again, they tell me that there is a flag on the account and not to worry they are taking care of the situation. 

I have reported this to the 3 credit unions, and have them put a hold on my SSN, however my credit score continues to fall. I was at XXXX and now with XXXX bureau ( as of yesterday ) has fallen to XXXX ( approx. as I have closed the information on my computer.
Product: Credit reporting or other personal consumer reports

I reviewed my annual credit report with Transunion, XXXX, XXXX and I noticed several hard inquires that did not have permissible purpose.. According to the U.S.C anything furnished on my credit report must have permissible purpose which is stated in 15 U.S.C 1681 B XXXX  Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX None of these Hard Inquiries have Permissible Purpose to be recorded on my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I requested Equifax to remove a previous address that was I no longer lived at that was exposed during Equifax data breach. I received the results of the above dispute and Equifax successfully deleted the previous address from my credit report. 

That same day I tried to submit another dispute but received an error stating that my personal information couldn't be verified and to send in additional documents to verify my identity. I did so by mail sending Equifax a copy of my ( Driver 's license, social security card, utility bill for my current address along with a additional document with my previous address. 

On or about XX/XX/XXXX I checked my Equifax credit report and noticed that Equifax had reinserted the previous address which had been previously deleted. That same day I submitted a request to have it removed again via a customer service representative via phone. 

On or about XX/XX/2018 I received a dispute completed email regarding the removal of my previous address. The results stated that the address couldn't be removed due to previous documents I sent to Equifax previously!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This is my XXXX time and Experian has not responded. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 12 U.S.C 1681i, WHICH REQUIRES CREDIT REPORTING AGENCIES TO CONDUCT A REASONABLE INVESTIGATION OF DISPUTED ITEMS. 

Recent findings by the CFPB have brought to light significant concerns regarding Experian 's failure to conduct proper investigations, mine has been in pending status for over a year and under review since XX/XX/year>. 

As per 15 U.S.C 1681i ( A ) ( 1 ( ( A ), Experian is required to conduct a through and reasonable reinvestigation of disputed items within XXXX  days, which they have failed to do since its been over a year when the item was disputed and can been seen as being reviewed on my credit report. Furthermore, under 15 U.S.C 1681i ( a ) ( 5 ), any information found to be inaacurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a through reinvestigation of the following disputed account or item ( XXXX XXXX XXXX ). 
2. Provide me all the documentation used to verify the accuracy of the diputed information.

3. Correct OR delete any information that can not be verified or is innacurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter and pursue any necessary legal action to protect my rights. 

This has caused me immense effects on my mental health, my livelihood and as a consumer. Experian MUST take action immediately and stop with its sham investigations that take over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used I paid off the debt to be removed from my credit report
Product: Debt collection

Roboalls are from ERC. When I have answered the phone in the past all I got was instructions to call another number. CFPB has contacted the company before, and the company said that they have no information about me. But they still keep calling.
Product: Debt collection

A garnishment was presented to my credit union for a judgment against my wife, whose sole source of income is social security XXXX, which is protected from garnishment. Since it is a joint account, they took my savings. I contacted the law firm and explained this to them but they stated that they intended to collect the debt even though they know that its not her money.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : REMOVE UNAUTHORIZED INQUIRIES Dear EXPERIAN, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent and appear to be results of identity theft. Please delete immediately. 

XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXXXXXX XXXX Inquired on XX/XX/XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts aren't mine accounts and are fraudulent. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C. 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

My loan payments are super high. Over {$1400.00} a month. There is no way a payment can be made at that amount wirh having medical bills as i have and a XXXX in college and being a single parent. My loans are all over the place and going into collections at different times of the month in a year. I finish paying a rehabilitation program for one and i call for a status and the other XXXX go into default and I 'm back in square one.