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

On XX/XX/19 I received an email from American Express stating that your account had been permanently suspended, that the account has been locked. So I called American Express to find out whats going on, they told me there was suspicious activity on my account and they locked my account, if there was any money on the card that it was gone. My husband just got paid through direct deposit and they closed the account and our money was gone. They sent me three more emails stating the same information and gave me an address to write to them these emails were received on XX/XX/XXXX.
Product: Consumer Loan

Unwilling to accept past due payments and repo fees. They will only accept full pay off of the loan and refuse to hear circumstances surrounding past due amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation ( in the form of the original contract ) from the bureau for the XXXX account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company
Product: Student loan

I have been trying to obtain a copy of the XXXX Promissory Note from Navient for several weeks to sign up for the XXXX XXXX XXXX. I have been repeatedly denied this information from Navient. Please help me resolve my issues to sign up for the new program as soon as possible. Navient is doing everything they can to stop this from happening. 

Thanks, XXXX XXXX XXXX
Product: Mortgage

I went on a Covid forbearance with us bank home mortage on XX/XX/XXXX thru XX/XX/XXXX. I attempted several times unsuccessfully to refinance the original amount of {$9800.00} in XXXX of XXXX through the loss mitigation department at us bank home mortage. Since then I have been yelled at, hung up on, lied to and disrespected by the young female employees of the loss mitigation department at us bank home department when I tried several times to make the payment arrangements that I told would be no problem to do my refinancing for my Covid forbearance mortage loan amount. I have also been harassed abs threatened by this mortage company who their workers falsely told me while worrying from their personal homes for us bank home mortgage that I would be in jeopardy of losing my home if I dont pay off the full amount that I owe for the Covid Forbearance period. They treated as well as not a good customer of XXXX + plus years with my current home mortgage loan with us bank but falsely accursed me of just refusing to pay on my home loan workout accurately acknowledgement that my loan was under an approved worldwide Covid pandemic forbearance!
Product: Checking or savings account

My company XXXX XXXX XXXX has a checking account with the Fifth Third Bank. 
On XXXX XX/XX/20 at XXXX XXXX  I sent them an email telling there were some fraudulent transactions with XXXX XXXX from people I don't know and asked them what I should do. 
They told me that I had to go to the Bank to close the account, but it could not be done immediately because these fraudulent transactions were in pending. 
On XX/XX/XXXX I went to Fifth Third Bank at XXXX XXXX to close my checking account, and the hackers had gotten more money from my checking account on the early morning on XX/XX/XXXX. 
For the protection of all its clients, the bank has to place these fraudulent transactions in hold as well as the part that corresponds to my debit card. 
An employee of the bank called the Fifth Third to the Dispute Center to report my situation, and the money still was pending on my account and they should have put in on hold while the investigation was on going. 
The bank had total control at that time to help me, but They didn't. 
That day the Dispute Center opened up 2 cases # s : XXXX XXXX XXXX and # XXXX XXXX XXXX. 
A hacker with the fictitious name " XXXX XXXX '' carried out 57 fraudulent transactions on the same early morning of XX/XX/XXXX, with 2 different amounts. Some of {$59.00} and others of $ XXXX.From the same hacker, the bank recovered {$1.00}, but the bank rejected 16 of the transactions for {$980.00}, and They did not give me any kind of explanation. 
I received a letter on XX/XX/XXXX in which the Fifth Third Bank required me to deposit the value of {$920.00} to cover the amount that the bank did not recover. 
From the first case, {$260.00} were recovered, but from the second case, I lost the amount of {$980.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried previously to contact XXXXXXXX XXXX XXXX customer service and received notification from my previous complaint that the problem complained about was fixed but Im noticing today on my experian credit report that there is not one error saying late payments or over credit limit with XXXX  but multiple reports from XXXX  going back on my report months and months times so multiple corrections need to be made asap I just made a payment with them via phone today XX/XX/22 and my payment was not even due until XX/XX/22 I dont know why they will not correct this its effecting me negatively on my credit report I tried to get a loan Ive always paid previously with my bank recently and even though previously never late and always paid in time I got denied another small loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a loan with this company for 3 years approximately. On my credit report it shows I have 2 30 day late payments. I have called the company and also submitted a dispute with the credit bureaus ( XXXX, XXXX  & XXXX  ).

I use their online website to make payments. 
On XX/XX/XXXX and XX/XX/XXXX it claims I made 2 late payments after 30 days. I submitted these payments per their website. Come to find out a error occurred and the payment did not get processed between the website and my bank. I was never notified of this and therefore I was unable to make it right. After they flagged me with the second late payment in XXXX, I decided to use a alternate method for payment. 
I told them I can not be held accountable for their system error. I have been a good customer and made all my payments on time. They respond very quickly saying they report fairly and sent the same generic letter any company would. I feel like they are not investigating their system and finding what bug has caused this error. I just want them to fix whats right and not to give me some quick response. 
We all have jobs and I feel like they are not doing theirs as a professional lender.
Product: Debt collection

XXXX XXXX acct XXXX stating I owe {$2200.00} on my credit report now has a company XXXX solutions contacting me via email. Under Law USC 1692c ( c ) without consent of consumer given directly to debt collector or express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in collection with any debt! Now has also given my information to another debt collector! Im needing this removed from my credit immediately.
Product: Credit reporting or other personal consumer reports

There is an account that was opened ( XX/XX/XXXX XXXX is reporting ) and ( XX/XX/XXXX Equifax Is reporting ) with balance owed of {$0.00} and closed with XXXX and {$0.00} paid with Equifax for XXXX XXXX XXXX XXXX, I was victim of fraud due to the Equifax data breach in XXXX and my personal information was used to open many accounts which I did not authorize, there is no permissible evidence that has been provided, which is also against my consumer rights. I have asked this company to remove this inaccurate information they are reporting to my report
Product: Credit card

Citibank closed our Citibank MasterCard account for non usage. I had the Citibank account for nearly 10 years with a $ XXXX credit limit. Called them immediately and requested they reopen the account and they said they would process my request. A few days later I received a phone call from an XXXX number that I did not answer because I did not recognize the number and there was no caller ID attached to it. Apparently it was Citibank calling to verify my identity as they had pulled a hard inquiry on my XXXX credit report requiring they confirm my identity as per the fraud alert noted on my account. I have maintained fraud alerts with the credit bureaus for 15 years due to identity theft. When I called Citibank a few days later to check on the status of my request, they informed me it was denied because they could not confirm my identity. I explained the reason I did not answer their unidentified phone call and they said they would reprocess my request to reopen the account. A week or so later I received a letter stating my request had again been denied. This time the reason for denial stated " your credit report shows your balances are too high for the income that you reported ''. My retirement income, as reported, is over $ XXXX annually after taxes, I carry over " {$0.00} '' balances on my credit cards and my FICO credit score as of XXXX 2015 is XXXX. The only long term outstanding loan I have open with a balance is a low interest Home Equity Line of Credit on which I purchased a new car 3 years ago. Otherwise, we have no outstanding debt, pay our bills on time, never late ... not once in over 20 years, and have a substantial retirement income. Not only did they deny my request to reopen my CC account, which may lower my good credit score, they also pulled XXXX hard inquiries on my credit report within days of each other, further damaging my credit score.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

We are serious company who makes {$700000.00} gross revenue with a constant positive business account of {$20000.00} to {$30000.00}. We have since XXXX XX/XX/XXXX a business account with the XXXX XXXX former XXXX XXXX XXXX. In XXXX XXXX we received a credit card with a {$5000.00} credit line. 
On the XX/XX/XXXX statement XX/XX/XXXX appears a Balance due of XXXX. 
An automatic payment was previously installed. 
In XXXX XXXX the Credit department of the XXXX XXXX failed to consider our first automatic set up payment and registered an incident. Thus they decreased our limit to XXXX dollars. 
In XXXX XXXX. That was the first damage. 
We called and asked them to solve this issue and come back to the initial XXXX dollars approved limit. 
In fact this call was assimilated as a request for a credit line increase. 
We were surprised to be informed on XXXX/XXXX/XXXX that our request was denied and registered as well in the credit score history. 
A second call produced exactly the same effects and on XXXX/XXXX/XXXX we received a second letter with the same denial of approval on a credit line increase. As a result our Credit score went from XXXX to XXXX. 
On XXXX/XXXX/XXXX we made a payment of {$2800.00} for a due date of XXXX/XXXX/XXXX. When we looked up on XXXX/XXXX/XXXX if the payment which was withdrawn of our account on XXXX/XXXX/XXXX was registered in the payment history it did not show up. Again we paid {$2800.00} on XXXX/XXXX/XXXX as it did n't show registered. The same day we paid {$2900.00}. So for we had a credit on our account but the XXXX XXXX refused payments to our suppliers. 
As we tried to explain for a third time to a supervisor the recurrent problems and can not find a positive solution to our matter, we would like you to intervene.
Product: Checking or savings account

I had submitted several payments anywhere of 10-12 payments to XXXX bank XXXX and key kept fluctuation what funds I had available or not, while not showing me what was coming out to be able to maintain not getting any fees, everytime I thought I was done, I got more fees. My new bank XXXX shows me when a check in pending, thats right a paper check! So not being able to see any ACH or anything is stupid and just allows them to collect more fees! 


Also they have my account locked out online so I cant log in OR even recover it to try and give exact figures. MADNESS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXXXXXX XXXX XXXXXXXX XXXX have fraudulent late payments on my credit profile that need to be removed immediately.
Product: Money transfer, virtual currency, or money service

I went into Chase Bank XXXX, XXXX location on XX/XX/2021 around or close to XXXX XXXX XXXX to deposit my convenience check pursuant 26 CFR 1.6050W-1 ( 5 ) ( ii ). When I walked in I was greeted by XXXX XXXX. There wasnt any bankers available so I waited until XXXX XXXX told me that she was available. I told her I wanted to deposit my check and because she was familiar with my convenience check she called her back office for assistance. Whomever she spoke with told her it was ok to deposit the check and she did exactly that. I told her I wasnt sure that it could be done or not that I had been studying and after reading the company agreement I thought to give it a try. I was amazed that it was really a thing. ( XXXX ) days later I came back with more because and was told I couldnt deposit my checks after ( XXXX ) days prior I was told I could. I was embarrassed how the employees handled me on XX/XX/2021. I asked if I could get something in writing as to why I could not deposit my check and the branch manager XXXX XXXX told me no. On XX/XX/2021 I went to swipe my card and it was declined. I went to check my mobile app and an error message popped up stating " we locked your account due to suspicious activity. I immediately called the number they provided and there was a XXXX hour hold so I went into a the closes branch to where I was at that time. The lady that was there was phenomenal and tried her very best to assist me. She called her back office and we spoke to a guy by the name of XXXX if Im not mistaken. He couldnt really help so after being there for around XXXX in a half hours I left. I am not sure why I am being punished for depositing my check when I was told that I could? I have had other reach out stating that they called in to that exact same branch in XXXX and was told that I scammed the bank. I have been stressed, my XXXX XXXX has been extremely high, and on top of that my lights have been disconnected because I could not pay my bill due to the bank holding my personal funds. I have not been able to feed my children and I will be seeking litigation for the damages. I did no wrong. If it was against chase bank policy to deposit convenience checks I would have appreciated XXXX just saying that. Now Im without a bank account. They closed my son account, and it now seem to be a block on my business bank account. My application was an instrument used to open the account. That instrument is sold as a security and with closing my account I ask for my original instrument back. I will look up Chase bank XXXX XXXX and file a lawsuit again them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and noticed many accounts that I do not recognize such as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX etc. I have never authorized any of these accounts nor done business with them. I believe someone has been using my information to get credit and things with it and now my credit is destroyed. Please help me get this matter resolved and my credit cleared as you will see these do not belong to me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

after multiple phone calls with Experian customer service. they are still refusing to remove a closed accountant reporting a balance that's not mine. it's just so surprising how this third part companies can get away with reporting false inaccurate information on consumer profiles. and send fraudulent items back as verified. Experian will not remove a XXXX XXXX XXXX  after a phone called i have prior to XXXX  XXXX XXXX and verifying that this information has been updated with the credit bureaus. XXXX and XXXX did remove e this account that do not belong to me. Experian is also refusing to remove a personal statement that i submitted on my credit profile as well. Experian disregard for federal laws and rights of consumers. Is unethical and illegal on so many different levels. and making profits of consumer my reporting false and negative information. you would think that accountant that's not yours would be easy to remove especially. when it's been updated by the original creditor. and the other two bureaus. i will be filing a federal complaint against this financial institute. and will be seeking damages for emotional distress. violations under the fair credit act as well. from my rights being violated.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXXXXXX XX/XX/year> {$7800.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

I sent multiple letters to the creditor to verify that this account was owed by me and they never responded.
Product: Mortgage

I originally had my mortgage with XXXX XXXX. XXXX sold my mortgage to Amerinat in XXXX 2019. I contacted Amerinat in XXXX to find out why I wasn't able to pay more mortagage. I was told that there was no account information available to me in their system and that I would receive payment information in the mail once it was set up.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX 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 card

I looked at my Credit Card statement with Citi and noticed 2 different interest charges ( I expected 1 ), therefore I called and the customer service representative really didnt know why I had to interest charges one for {$24.00} and the other for {$12.00}. She thinks that its because my promotional offer expired and I told her that I can understand that and that I expected one interest charges, not two.
Product: Debt collection

I disputed with XXXX and it came back as verified. I asked the company to send me the agreement I signed stating that was my debt with their company. I also asked if they would send signed paperwork stating I gave them permission to use my personal information from another company and report it on my credit file.
Product: Credit reporting or other personal consumer reports

I DISCOVERED THAT SPECIFIC DETAILS ABOUT XXXX HAVING XXXX DIFFERENT ACCOUNTS UNDER MY NAME THAT THEY CHANGED 3 TIMES I PAID XXXX BUT DID NOT GIVE CONSENT TO EQUIFAX, XXXX NORE XXXX TO OBTAIN MY CREDIT INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the account that I am disputing SYNCB/OLD NAVY As you can see the last verified is missing also only XXXX  reporting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report for correctness. I found an unidentifiable account from Bank XXXX XXXX with a current balance that I have never used. In addition, there is an address to which I have never lived at. I have contacted the 3 major credit report agencies ( XXXX, Experian, XXXX ). It has been more than 30 days and they have not responded with any solution or removal of the fraudulent account. I need your assistance in this matter to clear this fraudulent account. Thank you
Product: Credit card or prepaid card

I have had accounts with American Express for almost 20 years. I pay around {$900.00} in annual fees alone. We have never had to rely too much on them, but over the last few months we have actually had to use the cards we have dutifully paid on time and historically in full. Over the last month we have had myriad purchases declined, a limit set arbitrarily low making our credit look worse, and today after paying around {$15000.00} in a single month theyre are threatening to lower the limit on a card that isnt due and which has ostensibly {$4500.00} in remaining credit. The treatment is absolutely shabby when we have never missed a payment with Amex. Threatening us with reducing the limit unless we pay {$2700.00} that is not due yet and that is thousands above the minimum payment is extortionate and abusive. I would swallow the miserable customer service if it werent so detrimental to my credit at the very moment I need the cards to help me move.