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

I have a judgement lien against my house which was in my name and my ex husbands name. after our divorce American Express obtained a default judgement against my ex husband and put a lien on our home. When I had my exhusband sign over the deed of the property ( court ordered ) I was unaware of the lien on the property. Ex husband has passed away ( 2017 ) and I am in escrow right now to sell the house. American express has said to me on many occasions that they aren't authorized to disclose any information about the account without proof of being an executor of his account. My escrow company handling the sale of the house has also tried various times to obtain a demand/release from American Express and have been denied with zero cooperation from American Express. I am trying to get the debt taken care of in order to be able to complete the sale of my house and it isn't possible without the demand/release letter from American Express and is very unreasonable of them to think that everyone has an assigned executor at time of death. Ex-husband died in XXXX and didn't have anything in place for anyone to handle his affairs. I do not have the time at the moment to obtain executor-ship and I don not want to as I am not responsible for his debts, but am willing to take care of this lien as it interferes with the sale of my home, it is just incomprehensible to me as to why American Express is refusing to get paid.
Product: Checking or savings account

I contacted the account manager of axos bank on XX/XX/2022 via email XXXX XXXX XXXX I have followed his request via email address
Product: Student loan

Re. Edfinancial I have tried to contact them to access my account as all other attempts ( reset password etc ) have failed. The hold time is 50 minutes, and there is no live agent chat available ( I '' m currently at XXXX XXXX ). 

On the XXXX website, there are many many complaints similar to mine about the company. 
( see examples below from today 's post ) : " Edfinancial has to have the worst call center ever. The ivr talks to you for over 2 minutes before you can enter anything. Most of the time inputs don't even work. 
XXXX @ XXXX XXXX @ usedgov @ edfinancial Please reply to my message. Still no help in over a month. Whats going on? 
XXXX @ XXXX XX/XX/XXXX @ edfinancial Fix your hours. You cant service your customers. I am still waiting nearly XXXX weeks for assistance! # studentloans XXXX XXXX @ XXXX XX/XX/XXXX Replying to @ XXXX Should look into Edfinancial. They keep reversing my student loan payments! Its happening to a lot of people. Screwing with peoples credit scores! 
XXXX XXXX @ XXXX XX/XX/XXXX Replying to @ edfinancial and @ XXXX I did the same thing. Nothing from edfinancial, but conflicting statements, hours on hold, weeks IF I get a call back. Messages to Dept of Ed. Hope you had better luck. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please hold this company accountable to their customers. This is not acceptable. Thank you for helping
Product: Credit reporting or other personal consumer reports

Earlier today, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, I found unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Given this issue, I kindly request that the documents Ive provided be carefully reviewed to ensure I wont have to deal with this problem again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

I paid my monthly payment to the credit card company on XXXX/XXXX/2016 through my bank checking! The next month they charged me {$25.00} for not paying my payment! I sent them the statement from my bank showing it went out to them! they credited my account and the next month they charged me again saying they never received my fax showing the proof! I even sent them the proof from my bank showing everything they asked for, they gradated my account again only to add it back in the next month saying they never received the information even though it was sent on there secure server! I just looked at my XXXX statement and low and behold its back on my statement again showing me they have done it again! They sent me an email again with a link to their private server and I have just finished send them the documents again! I thought you might want to look into your records to see if their doing this to other customers as well! In a related matter they ca n't seem to keep my address records straight, we was never receiving our bill in the mail and the always give a different excuse or another
Product: Debt collection

XXXX mailed and received by front Desk/Reception on XX/XX/2022 on XXXX tracking is provide and shown. 

VIA U.S.P.S. CERTIFIED MAIL XXXX VIA U.S.P.S. CERTIFIED MAIL XXXX Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. Further, I request verification of the alleged debt ; specifically, I request the following documents : ( 1 ) a copy of every contract and/or agreement signed by me and the alleged medical provider, including, but not limited to, ( i ) an informed consent for the medical treatment that is being billed and ( b ) financial responsibility agreement signed by me for to the medical services being billed, ( 2 ) a copy of all actual bills sent from the medical provider to me with tracking numbers ( e.g., certified mail return receipt number or other tracking number ) or other proof of mailing ( e.g., affidavit of mailing under penalty of perjury signed by the actual individual who mailed the bill ( s ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies along with copies of all payments received from insurances companies by the medical provider for the services billed, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by me to the medical provider for the medical services provided that were billed for and in collection, and ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs now in collection. You unlawfully attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your tradelines of the alleged debt.
Product: Debt collection

hello this complaint is with pay pal this account was closed months ago because of a dispute over un approved freight charges of {$1500.00} and 25 + orders never delivered from XXXX.

there was a investigation by pay pal as they paid these charges, they only FOUND4 items that were not shipped and returned the charge back to paypal. " THE REPORTED ITEMS WERE A EXAMPLE OF THE BUSINESS '' repeatedly tried to get a return for the amount listed and the undelivered items. It appears that this is a date was falls represented as the investigation. next the company has closed the account and still charging me amounts. this is not right. the account has been turned over to a debt consolidation company. when they will began the proceedings my account will have to be payments to them has to increased for them to work on it. enclosed is a copy of last statement from them. i mean no harm or insult and offered to pay rest off after the refunded money and items were delivered. they did not correct the issue. this all began XX/XX/2019 please and thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX? XXXX Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 Days of receiving this complaint. This information consists of a cell phone account, XXXX account number ( XXXX ) A medical bill account number ( XXXX ) A car loanXXXX XXXX XXXX  Account number ( XXXX ) And a credit card account, Account number ( XXXX ) these accounts has resulted in several fraudulent hard inquries and collections appearing on my consumer credit FICO report. All of the aforementioned accounts, are the result of identity theft. i have attached a copy of my FTC report, as proof that these accounts are fraud.
Product: Credit card or prepaid card

I was out of town in XXXX and asked my brother to make a {$1000.00} payment for me to Citi Cards using money orders. I sent him all the information to do this. He sent Two {$500.00} money orders to Citi by US mail in the same envelope that also contained my remittance advice from the bottom of my Citi Statement. Citi credited one and not the other. I have called over and over. No one can talk directly with the " payment disputes '' department. I get someone different every time that tells me a different story. One csr even stated that it happened to him and it is a common practice at Citi. One "  supervisor '' even looked through the unapplied payments '' for over ten minutes looking for my missing payment. How could there be that many unapplied payments?? I am XXXX years old with an XXXX and have run my own business for many years. I also know the usual money order customers. I am convinced that many other Citi customers that are not as sophisticated as I am, would have given up long ago in their quest to get Citi to honor their payment. This has been an absolute nightmare! Even though it was obvious they got both money orders because they were sent in the same envelope and both were cashed but only one applied, they refused to do the research necessary to find the payments. I finally had to go get two more money orders to send to XXXX XXXX at {$15.00} each plus overnight postage to get the copies of the money orders Citi negotiated. I finally received the copies of both {$500.00} money orders showing that Citi had cashed them both. I then faxed theses copies with a cover sheet and a copy of the letter Citi sent requesting such copies to the appropriate fax number. At this point I assumed Citi would be forced to apply the " phantom '' payment that they had cashed back in XXXX. I was wrong! Today I get an email stating " that since I did not respond, they were recharging my account for the conditional credit they had given me. '' I have a secure computer fax that records in minute detail every fax I send and receive. I sent, and Citi received on XXXX the fax and their previous letter asking for " proof ''. Four pages sent by me ; four pages received by them. This is unacceptable. If they are doing this to me, and even with indisputable proof, remain unwilling to apply my payment correctly, what do you think they are doing to thousands of people that do not have the resources I have to follow through? Please hold these people accountable for my payment and for all the other people that are being unfairly taken advantage of by this unethical group. Thank you. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX acct ending in XXXX
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account with PNC bank online. Automatically, a savings and reserve account were opened as well. On XX/XX/XXXX I deposited a check at my local branch for {$1000.00}, and received a direct deposit travel reimbursement on XX/XX/XXXX. Today, I received a letter from PNC that they are closing my accounts on XX/XX/XXXX and I will be mailed a check for my balance. 
I called the phone number on the letter and was told " just as you can choose not to do business with PNC, PNC can choose not to do business with you. I could get no further explanation from them for the abrupt closure. They also informed me that they are HOLDING my ENTIRE account balance until they refund it on XX/XX/XXXX. This has to be ILLEGAL! 
Being denied access to your own money without explanation is egregious. There have been no transactions on my account other than two deposits.
Product: Credit card

I purchased a XXXX XXXX XXXX from XXXX for {$540.00} on XX/XX/XXXX. I did not like the item and did not want it so I shipping it back to XXXX via the shipping label they provided on XX/XX/XXXX. 

On XX/XX/XXXX I contacted XXXX as I did not see a refund on my card still and they had confirmed they received the item. XXXX then proceeded to tell me they were going to keep both the item and my money unless I provided them with a photo of my driver 's license. I refused this request and asked for either the item or my money back. XXXX refused this request. 

On XX/XX/XXXX I contacted my credit card company, Capital One, and opened a dispute. My credit card company requested the tracking number ( which I provided ), issued me a temporary credit for the full amount, and told me I would hear something soon. 

On XX/XX/XXXX my card again was charged the full amount of {$540.00} and I called Capital One. Capital One requested a photo of my tracking number which I provided. 

On XX/XX/XXXX I received a message from Capital One stating the photos I had sent in lacked the necessary information needed to process this claim. I called Capital One who told me I needed to send in a signed document explaining why I returned the item and why I didn't want to send in a photo of my driver 's license. They also requested a photo of the support interaction where XXXX was refusing to refund me and a photo of the order details. I provided these via email while remaining on the phone and Capital One said they couldn't help me today but would review the documents. 

At this point I feel my item and money are being held hostage and both XXXX and Capital One are unable to help me. Please help me CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, which I have been explaining to Equifax but they continue to make me jump through hoops to remove the fraud information from my reports. I have included the ID theft report as they have requested in this complaint because they keep saying they don't see the last ones that I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Genesis Credit collection company is still reporting my account as open to all three credit bureaus when in fact it is CLOSED ( per their answer to previous complaint filed with cfpb ) and should be deleted from credit reports per Chapter XXXX bankruptcy.
Despite numerous requests, the account status remains incorrectly reported as open on my credit reports with XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently a victim of credit card fraud and identity theft. Someone had opened a Citi Bank card in my name so I contacted Citi Bank and they refused to do anything about it. I then contacted the three credit reporting companies. XXXX refuses to take a Citi Bank card off my report that was opened fraudulently. Both XXXX and XXXX have removed this account from my report. I have submitted a FTC and police report numerous times without success with XXXX. XXXX now shows the account as closed on my report and it is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX Violated my rights on this date XX/XX/2022 They violated these laws : 15 USC 1692 ( B ) ( 2 ). 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/XXXX, I submitted an electronic application for a mortgage refinance through XXXX XXXX XXXX in XXXX, NJ. XXXX XXXX, a XXXX XXXX  XXXX at XXXX started the initial processing of our application yesterday, which of course included a credit check. Today, XX/XX/XXXX, within a span of XXXX hours, I received XXXX separate, unsolicited calls from other mortgage providers, as well as unsolicited text messages. I asked a few of them how they got my info and they said it was sent to them by Experian as a result of my credit check. XXXX person called me XXXX times in a row after I answered and forcefully told him to stop calling. He called again and threatened me, saying Experian gave him all my personal info and he would be putting it all over the internet. Within an hour of that call, I got XXXX text messages about alleged purchases that I did not make. XXXX worried that this person was given my social security number, credit card accounts, and home address! Ive reached out to Experian via social media and was asked to contact them via direct message. I did that and received no reply.
Product: Credit card

PURSUANT TO 13 USC 1690, 1691 ( a ) AND 12 CFR SECTION MARK 1002.4 - 1002.7, AND 15 U.S.C 1691 ( k ), AND 15 U.S.C 1642, AND 15 U.S.C 1681 ( m ) Denying me access to my credit is discrimination. I applied for a credit card on XX/XX/XXXXXXXX XXXX XXXX and got denied. Regardless of the reasons for being denied, I have the right to my credit. Withholding my access to my securities is security 's fraud. Chase Bank is violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since they are denying me my credit, they must retract my application. 

Thank you, XXXX, XXXX Attorney-in-fact for : XXXX XXXX Attorney-in-fact for XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXXXXXX XXXX XXXX  ) and Account # XXXX ( XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I went to Chase Bank XXXX XXXX XXXX in XXXX California to the atm drive through window deposited money and the machine calculated my deposit wrong I had XXXX XXXX dollars bills and my email receipt says I only deposited XXXX XXXX dollar bills so I should of deposited XXXX and bank email receipt says XXXX can they review their cameras or the machine since it miscalculated my money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX Account # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX-Advertisement online for a {$700.00} Persian kitten. Paid through XXXX. Kitten to arrive XX/XX/2021. Scammers asked for an additional {$1200.00} for a specialized crate for kitten to fly from Texas to XXXX XXXX. Refused to pay the {$1200.00} then all communication stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

During A Check of My XXXX  Credit Report On XX/XX/2020 I Discovered Information On My Report That Is Fraudulent, Incorrect, and/or Erroneous. XXXX  Report Number : XXXX, XXXX  Credit Report, And Transunion Credit Reports Dated XX/XX/2020 Show That I have A Debt with XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX. I have never had any account with this company or any of its Listed Affiliates. I have tried unsuccessfully to resolve this Fraudulent, incorrect, misleading, and damaging information from my Credit report. I am trying to avoid having to file Legal action against the Companies and reporters of the Fraudulent, and/or Erroneous Information, for causing damage to my report and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Helo CFPB. Im a victim of Id theft. Please forward documents to HSBC,  thank you!
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX M J ALTMAN COMPANIES I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious M J ALTMAN COMPANIES I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Collection account from JEFFERSON CAPITAL LL with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.