23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am writing about my American Express Blue for business account. Amex cancelled both my cards and tripled my interest over a repeated billing problem even though I caught the problem when it happened and called in a payment immediately. My payment was never delinquent more than 4 or five days. They cancelled both my cards and raised my interest rate from 8.99 % to 29,74 % on the {$18000.00} I owe them. My membership with Amex since 1980 is proof enough that I am a good customer and that I pay my obligations on a timely basis. 
I 'm retired with a fixed income, did Amex just not want my business anymore because of that?
Product: Mortgage

Pennymac denied my loan application because they said they couldnt verify my occupancy. I have lived in the home since I bought the house. I did not have the forms that they asked for so I offered alternative forms that would prove my occupancy such as a pest control bill, a security system bill, and an internet bill. They said these documents did not prove I lived there. I offered other documents such as my pet adoption papers, property protection on my homeowners insurance and other alternatives however they still rejected my refinance. I have lived in the property since I purchased the home back in 2018 but they are stating that I have not and denied my refinance application.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX Account XXXX XXXX Amount : {$0.00} Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I submitted a complaint that no permission was given to report the following accounts on my credit report ( complaint # XXXX ) I even provided written documentation that the companies were notified and notified your agency with copies of documentation and you still violated my rights under FCRA and allowed inaccurate information to be reported and allowed my personal information to be trafficked without my written consent, and After being notified in writing you violated sections 616 and 617 willful and negligent non-compliance I further state once again : ** this a direct violation of my instructions - 15 U.S.C. 1681, Section 604a, Section 2 ** this a direct violation of my privacy - 15 U.S.C. 1681, Section 602 *** you have allowed credit card companies to report late payments in violation of - 15 U.S.C. 1666b I DID NOT AND DO NOT GIVE MY PERMISION FOR THE FOLLOWING ACCOUNTS TO BE REPORTED **** and I Further state that I owe no Debt : ( See Attached Documents ) The following accounts are in violation : and have no permission to report and no debt exists. 
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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX and list of Inquiries 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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: Money transfer, virtual currency, or money service

I initiated a substantial transfer of funds from my Coinbase XXXX $ ( Cash ) account to my established checking account via ACH transfer on XXXX. Coinbase stated the transfer went thru. As of XXXX there has been no transfer of my funds from Coinbase to my checking. I've contacted my bank and they have no record of a deposit from Coinbase to my checking. However, interestingly, Coinbase was successfully able to withdraw a small amount of money from this exact checking account on XXXX. 

My bank asked for the XXXX digit ACH trace number associated with this transaction. Coinbase is refusing to provide me with this information. They are refusing to discover where a significant amount of my funds have gone, they are refusing to provide me with a XXXX digit trace number, they are refusing to speak to me over the telephone. They are refusing to resolve this issue and from my perspective, they have essentially stolen my money.
Product: Debt collection

keep getting letters from this company for services at  XXXX   XXXX   XXXX
Product: Credit card

I made an online purchase for a dress using my apple card. While making the purchase, the merchant confirmed separately through messages on XX/XX/XXXX that they can customise the dress. When the dress was ready, they sent a picture and the dress was not customised the way they had confirmed the customisation. So I asked them for a refund. the merchant refused. I reached out to Goldman Sachs for a dispute on this purchase and provided them the evidence in XX/XX/year>. The bank resolved the dispute in favor of the merchant saying I dont have enough evidence. I provided the messages that were exchanged with the merchant which clearly shows that they agreed with customisation and then later refused after taking the payment from me. 9 months later, I am still stuck with a payment of {$360.00} and the bank is refusing to resolve the dispute in favor of me. I dont even have a dress with me. the merchant never even delivered the dressed to me. So now I am sitting here with no dress and {$360.00} charge on my account.
Product: Debt collection

The company response does not meet requirements of validation .The dates being reported on credit report, address listed in response letter as their proof of debt notice is not my address and does not belong to me and or listed on or ever been used on my accounts listed on my credit report. Upon further investigation that is a childhood address of over XXXXyrs ago at a age not old enough to even obtain credit at such time .which proves Portfolio Recovery did not obtain my information from a creditor and participated in stolen identity /info and breached rights of privacy by searching public information and violated FDCPA Laws! Although company is stating they have purchased the account, that litigates and agreement between them and the third party not me and Portfolio Recovery. Theres no contract nor agreement and I am not applicable by law to make any payments to them as I have no knowledge of the account and am positive of no contract existing between me and Portfolio Recovery nor how they have violated my right to privacy by obtaining my information by way of identity theft. Furthermore because they do not have a correct address for me Portfolio Recovery has violated law by not sending a debt validation notice amongst other violations that total XXXX a piece Portfolio Recovery now legally owes me more than the alleged debt by way of damages that were caused due to their negligence.So if this is not removed from my credit report at once I will proceed further legal action of my own!
Product: Credit card or prepaid card

In XX/XX/XXXX someone opened an account in my name. My mom called Capital One and we got everything straightened out. Whomever requested the credit card never activated it so there was never a purchase. We asked if I would have problems in the future if I decided to apply for credit card and we were told no. Here we are XX/XX/XXXX and I applied for a credit card and was approved. Capital One sent me my new credit card. I received a letter a day or two later from my previous address ( moved XX/XX/XXXX/XX/XX/XXXX ) and it stated that there could be fraud. So my Mom and I called and I was instructed to activate the card. So today XX/XX/XXXX I activate the credit card via the website and it will not allow me to activate, so I called. I was told by the first customer service person that there was fraud on my account and I needed to be transferred. I spoke with XXXX - Supervisor # XXXX and was told that I need to send in my drivers license, social security card and utility bill. I replied that I will send my DL but I am not sending my SS card and I do n't have a utility bill as I live with my parents. They asked for a bank statement and I replied I do n't have one. My parents pay my bill and they wanted me to establish credit. I asked for a manager. I spoke with XXXX and she explained that they system they use is encrypted, I told her that I did n't want to send my SS card via email as my Mom told me to NEVER do that. During the conversation I asked why then was I sent this credit card if I was not going to be able to use it. I asked this two different time and I was told because you applied. That is great that I applied and was approved but ca n't use the card because I ca n't give you all the pieces of information that you want? My drivers license has my old address, I will be moving for school is 3-6 months. I replied no I am not going to have my drivers license changed as this cost money and can take 4-6 weeks. I replied that my new address is reflecting on my credit report and how would I have received the card? I even told her that I received the letter you send to my old address and it was forwarded to my new address. I told her that I have all the letters that Capital One has sent me, I have my XXXX letter with my name and address or it. I can sent you a utility bill with my parents name on it. Nope none of these will do. Then why did you send me this credit card? I am upset that I wasted my time with applying, being approved with unrealistic conditions, none that were disclosed and the hour and 10 minutes that I spent on the phone with them to get this resolved with no solution. I feel like they said here you go, get excited your getting a credit card and then pulled the carpet from under me. My parents have preached to me to take care of my credit, be cautious and establish positive credit because this is the key to everything. Thank you Capital One for squashing me dreams on establishing my credit because at this point, I will not put myself through this again. This needs to be stopped.
Product: Checking or savings account

i check my balance every once in a while cause i rarely make big charges and i know how much my direct deposit be and i know how to money mange so i went to go use my card at XXXX and it declined so i checked my bank and i seen 3 charges that i didn't authorize which is XXXX for {$140.00} on XX/XX/2024, another charge for XXXX from XXXX  on XX/XX/2024 and another charge from XXXX XXXX for {$350.00} on XX/XX/2024 and i tried to dispute it through the bank and they declined my dispute and bills are coming up and im short on my payment because of unauthorized charges and wells fargo isn't doing anything to help.
Product: Credit reporting or other personal consumer reports

In Accordance with The Fair Credit Reporting Act. The List of Accounts below has violated my Federally Protected Consumer Rights To Privacy and Confidentially under 15 USC 1681. 

Account name and # : XXXX XXXX # XXXX, Account Name and # : XXXX XXXX XXXX XXXX # XXXX, Account Name and # : XXXX XXXX XXXX XXXX XXXX XXXX  and # XXXX, Account Name and # : XXXX XXXX XXXX XXXXXXXX, has Violated My Rights. 

15 USC 1681 Section 602 A. States I Have The Right To Privacy.

15 USC 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 consumer report containing any of the following items of information. Any other adverse item of information other than Records of Conviction of Crimes which antidote the report by more than seven years.
Product: Checking or savings account

My accounts were closed stating violating terms of service which I was not made aware of. This was a second deposit transaction which the first one was 9 months prior and there was not a problem. I received my 2nd assistance thru the SBA for my self employment. My accounts checking, savings, and a credit account closed with close to 15 thousand combined with no warning. I was asked to provide all identifying documents and details of my business and SBA loan documents. My account was closed and my money being withheld. I call numerous times and now Chime has block my number without providing any information to what terms were violated. I asked to have call escalated and was ignored and mistreated feeling discriminated against. I have not been able to live without borrowing money and maxing out my credit card. Account was suspended on XXXX and closed on XXXX. I was refused when asked to speak with investigations in regards to releasing my legitimate funds which were from employment, IRS, and XXXX loans. My savings alone was over 10 thousand. I can not provide actual amounts due to being ignored and blocked out of chime system. I feel totally displaced and robbed.
Product: Debt collection

I was a member of XXXX XXXX XXXX through XXXX, and then in XXXX of XXXX I requested my membership be cancelled at the front desk, which they told me was completed. My debit card continued to be charged by the XXXXXXXX XXXX XXXX in XXXX and XXXX, so I went to the gym to alert them of the mistake and request a refund. 

The staff at the desk apologized, told me it would not happen again and confirmed my account was now officially cancelled. They also told me they could not process a refund due to issues with their card system, so I would need to dispute the charges with my bank. 

Elements then attempted to charge my card again in XXXX which declined for insufficient funds. I called the gym to request they remove my card information from their system since they could not ensure no more charges would be made, at which point they told me it was removed and I no longer have any cards on file with them. 

XXXX XX/XX/XXXX XXXX XXXX XXXX closed their gyms permanently with insufficient notice for members and employees, and transferred all member accounts to their new gym called " XXXX XXXX '' about XXXX miles away. 

My card was then charged twice on XX/XX/XXXX totaling about {$170.00}, which they claim was owed for XXXX and XXXX dues and included a late fee for those months. I disputed the charges with my bank, and was refunded for the XX/XX/XXXX charge. I also called XXXX XXXX to speak to a manager about the ongoing charges, and the staff gave me an email address to contact regarding the issue. I contacted the email and received no response. 

XXXX XXXX then charged my debit card again on XX/XX/XXXX for the same amount charged in XXXX, causing me to dispute the charges again as well as completely cancel my debit card to avoid more fraudulent transactions. 

After many months of attempting to get a response from this business to fix the billing issues, I received a notice of collections from Aldous & Associates law firm on behalf of XXXX XXXX in the amount of {$360.00}, which is now negatively impacting my credit report. 

I've requested that this collection be removed from my credit report many times with no meaningful responses or cooperation, and I simply want this to stop effecting my credit score. 

Elements seems to have a reputation for fraudulently charging the cards of their members, documented in their poor online reviews from customers with similar stories, and they've brought that reputation with them in their rebrand to XXXX XXXX. I've seen so many stories similar to mine that this could possibly turn into a class action lawsuit.
Product: Debt collection

I am writing to express my concern regarding the insufficient response to my debt validation request dated XX/XX/year>. Despite my detailed request, the response provided fails to meet the requirements set forth under the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX XXXX. 

Under XXXX XXXX XXXX, a debt collector must provide certain information when a consumer disputes a debt. This includes : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A copy of the original contract or agreement bearing my signature.

2. A complete payment history, including all charges and payments made.

3. Proof of your authority to collect this debt, including the chain of title for this debt.

4. Verification that no insurance claims have been filed regarding this debt.

5. Confirmation that no judgments have been obtained regarding this debt.

My initial request for validation, as outlined in my letter and subsequent communications, asked for the following specific documentation, which has not been provided : 1. A detailed list of the history of payments made by me on this account.

2. Chain of title of this debt stating that you have the ability to collect on this debt.

3. A signature that I put on a contract guaranteeing that I would pay this debt.

4. A signature on any modification of a contract guaranteeing that I would pay this debt.

5. A statement stating if an insurance claim has been filed on this debt.

The response received only included a general statement from the original creditor, XXXX at XXXX XXXX, without providing the detailed documentation required by law. Therefore, the information provided is insufficient and does not constitute proper validation of the debt. 

Failure to comply with the debt validation requirements under 15 USC 1692g is a violation of federal law. Since your office failed to provide the requested validation you are required to cease all collection activities and remove any negative information related to this account from my credit report. Failure to comply with this request will leave me no choice but to take legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 


I also request that all future communications regarding this matter be conducted in writing and sent to my address as noted above.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Navy Federal Credit Union ( NFCU ) regarding their failure to honor the terms of a settlement agreement and pay-for-delete request concerning my account ending in XXXX. I request CFPB 's assistance in holding NFCU accountable for breaching our agreement, which has resulted in damage to my credit and financial standing. 

On XX/XX/year>, I received an email from NFCU offering a settlement option to resolve the outstanding balance of {$1100.00}, to which {$510.00} would initiate a settlement. 

On XX/XX/year>, I mailed a letter to NFCU 's XXXX, VA XXXX with a USPS XXXX XXXX  ( # XXXX ) for {$510.00}, selecting the settlement option as full and final payment. I also requested in writing that NFCU delete any references to this debt from my credit reports with XXXX, XXXX, and XXXX. This package was sent via USPS with Tracking Number # XXXX. 

In violation of our agreement, NFCU has since responded with a claim of an outstanding balance and continues to report the debt to credit bureaus, contrary to the terms of settlement letter sent. I contacted NFCU on XX/XX/year>, and spoke with two representatives, one of whom advised that they would submit a settlement request on my behalf. Despite this, the debt remains unsettled, and NFCU has failed to provide the requested confirmation that the account has been deleted from all credit reports. 

This refusal to honor the agreed-upon terms constitutes a breach of contract, as NFCU has failed to uphold its obligation to consider my payment as final and remove all references to this debt from my credit reports. This breach has caused significant harm, including ongoing credit damage, increased financial strain, and undue stress. Should NFCU fail to promptly comply with our agreement and delete all references to this debt from my credit reports, I will be pursuing damages resulting from this breach.

I have included four documents in the attachments section. All tracking numbers can be verified via USPS.XXXX website.
Product: Credit reporting or other personal consumer reports

I have contacted TransUnion on several occassions due to an issue with my credit score decreasing multiple times within a one month for the same issue. This is an erroneous practice that TransUnion continues to due, which has a negative impact on my overall credit score. As a consumer who is trying to correct my credit profile by paying my bills on time and keeping my utilization low this is very disheartening. On XX/XX/year> TransUnion deducted XXXX points after I DECREASED utilization and DECREASED account balances. After speaking to several customer service representatives no one could explain why my score decreased from XXXX to a XXXX, with low credit card utilization and low balances this makes no sense. 

TransUnion is aware due to inquiries that I am applying for a mortagage which is seems to be why these unnecessary drops in my score are happening. It would be greatly appreciated if TransUnion could place the decreased points back on my report from my FICO 8, 5, 4, 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address is no longer valid and other consumer reporting agencies snd TransUnion and XXXX dont update. They all havent changed my delinquent loans no longer legally delinquent but rather large loans in good standing.My XXXX XXXX card is right on some reports and wrong on others a disputed account in collections involving identity theft years ago is off some reports snd not others. My phone is incorrect. 

Address XXXX XXXX XXXX  XXXX, Ny XXXX Phone XXXX