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

Contacted amx to change my address due a house fire and their international team failed to properly changing my Address resulting in a closed account. 


I couldnt log or make a payment without a physical card and costumer service keep changing the wrong address. 

This account was paid off on full and already settle down as on XXXX. 
Whatsoever I received the documents and I see the late fees are not waived based on lender error as promised. 
I will kindly ask to be rectified and so does my credit report or legal action will be taken against American Express. This is a formal bill dispute and should be address as such.
Product: Credit reporting or other personal consumer reports

XXXX Account info Account number XXXX Open/closed ( THE NUMBER DOES NOT APPEAR COMPLETE TO ME, IT IS INAPPROPRIATE ), The balance it incorrect. {$15.00} Open Date opened. XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX THIS ACCOUNT ITS AL READY PAY BALANCE CORRET IS {$0.00} .... 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im missing a credit card that should be on my credit profile it is on my husbands credit report and not on mine. The credit card was with XXXX. It was opened XXXX XXXX. Its missing on my profile, it said status updated on XX/XX/2017. It was a joint account, underwritten by XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

As Per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block tis information from credit report within 4 business, pursuant section 605c of the Fair Credit reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like or all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX Bal {$620.00} XXXX Bal {$270.00} XXXX Bal {$14000.00} XXXX XXXX  {$1000.00} XXXX XXXX  {$890.00} XXXX XXXX Bal {$320.00} XXXX Bal {$6600.00} XXXX XXXX {$450.00} XXXX  Bal {$1000.00}
Product: Debt collection

I set up a Home Depot Credit Card, which apparently is serviced by CitiBank, to pay for countertop installation. I have an excellent credit rating, or at least did when I got the card XX/XX/XXXX. I NEVER received the actual card AND when I got a phone call from some company ( I did n't know it was CitiBank then ) claiming to be Home Depot and stating that I was late on a payment, I called Home Depot. The people at Home Depot told me the company had sent my card to a PO Box in XXXX, XXXX that I had CLOSED XX/XX/XXXX when I MOVED to XXXX, XXXX. Home Depot could n't straighten out the problem, could n't tell me why they sent the card to a 15 year old address, and could n't even tell me what was going on. By the way, I had n't had the countertops installed yet and when they were installed, they did it improperly. I went to the Home Depot store in XXXX, XXXX to PAY OFF THE DEBT. The store manager could n't figure out what to do, but I spoke to the CitiBank company via the store 's phones. I CANCELLED THE CARD WHILE IN THE STORE ON XX/XX/XXXX. I tried to pay the ENTIRE debt in full, but the store manager could not figure out how to do that! ( seriously! ) One of the employees said she would " figure out '' how to do it and I could come back the next day and she would " have the bill ready. '' I went back the next day and the store STILL did not have my bill ready to pay and the employees spent 40 minutes trying to figure it out even though I told them to simply refund the money, recharge it and let me pay with a REAL credit card ( XXXX ). Finally, they did just that and I paid the bill in its entirety with a reputable company 's card. I have received collection calls ( documented ) from CitiBank FOR A DEBT THAT HAS BEEN PAID AND CARD THAT WAS CANCELLED on XX/XX/XXXX at XXXX ( XXXX ), XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX and ( XXXX ). I received one other call from CitiBank for debt collection prior to XXXX ( which prompted my investigation ), but can not find the number and date on my phone. Each time I 've received a call, I 've tried to speak with a representative and the recorded statement is ( something like ) : " I 'm sorry, but we can not respond to your request. '' STOP THESE XXXX! HOME DEPOT WO N'T DO ANYTHING. THE DEBT HAS BEEN PAID IN FULL AND THE CARD WAS CANCELLED!!!!!!!
Product: Mortgage

Chase manhatten mortgage corporation XXXX XXXX XXXX XXXX XXXX California XXXX A CHASE PRIVATE BANK CLIENT BANK XX/XX/XXXX Telephone XXXX loan # XXXX XXXX XXXX DOLLARS states issued XXXX Certification of satisfaction states XX/XX/XXXX Tax map # Signed by XXXX XXXX vice president XX/XX/XXXX Grantor XXXX XXXX TRUSTEES XXXX XXXX AND XXXX, XXXX NOTARIZED BY XXXX XXXX XX/XX/XXXX City of XXXX XXXX, california XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX California XXXX Phone XXXX Prepared by XXXX XXXX /XXXX  My sole owned and deeded property XX/XX/XXXX GPIN # XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX va XXXX to me clear and free of all debts and clear of title and clear of anyone ever having any rights to this property as example future spouses etc as recorded in XXXX XXXX XXXX  XXXX Virginia ..my divorce from XXXX XXXX ..as per deputy XXXX  deeds register email of documents to me in XXXX. 
SOME ENTITU SET UP A CHASE PRIVATE CLIENT ACCOUNT FOR ME XXXX CALIFORNIA AS A TRUST AND WEALTH MANAGEMENT SERVICES ... .AND THEY HAVE BEEN CONTROLLING MY LIFE. CHASE PRIVATE CLIENT BANK REVEAL MY IDENTITY THIEF I want my identity and my solely owned monies reimbursed to me from these accounts for to failure to protect and secure my personal information under our laws .... MY IDENTITY THEFT IS REGISTERED AT FTC ... I reported it since XXXX and fraud activities done in my names and SSN # addresses phone etc. I am again reaching out to Chase XXXX left XXXX XXXX numerous voicemail emails and faxes of my evidence in this matter. I have asked her to give me a specific time and date to discuss these matters. I AM AGAIN REFUSED BY CHASE. I rwquested a financial crimes specialist yo investigate and contact me from chase again last week. No response. Chase private client services send me my info relating to all transactions and where my monies are or were transferred to so I can continue to climb the federal agencies of the USA TO LOCATE MY IDENTITY THIEF AND MY MONIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT OF ED XXXX Company Inquiries : 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 US SM BUS ADMIN ODA XXXX/XXXX
Product: Checking or savings account

First, I would like to acknowledge that Im a proud customer of Wells Fargo. Over the course of this past weekend I have had two separate phone calls resulting in lengthy conversations with customer service representatives which escalated to me having to speak with their supervisor. Beginning on Saturday XX/XX/XXXX, my checking account was reflecting a positive balance of about {$270.00} according to my banking app. I had pending transaction for XXXX XXXX at the time so to be sure I called Wells Fargo customer service for more detail and to see if the pending transaction was reflected into my available balance so my account would not be overdrawn. There were only two merchants I was specifically calling about which was a XXXX XXXX and a XXXX XXXX company to see if they had received their funds. The representative told me that those two merchants have received the funds and is posted to my account. So according to my Wells Fargo banking app, my account was reflecting an available balance of about {$150.00}. I had them transferred funds from my savings to my checking for about {$180.00} to cover a payment for {$280.00} for merchant XXXX XXXX. My account was still reflecting a positive balance. However on Sunday XX/XX/XXXX, I notice on my banking app that my account is overdrawn by $ XXXX At this point I call the customer service number and have to speak to a supervisor who couldnt explain why this has occurred and only offered to advice on to set up payment arrangements in the future with merchant I intend on paying, and to call back the next day when the overdraft fees occur and see what they can do to reverse it. Then Tuesday XX/XX/XXXX after I notice all the changes to my account, I see a negative balance of about $ XXXX. I called back and explained my situation with the supervisor and she tells me that theres nothing they can do and I have a bad history with overdrawing my account so they can only reverse 25 % of those {$70.00} worth of overdraft fees I was charged. In addition to the $ XXXX that was not supposed to be. I was given misleading information from the customer service department which caused me to think I had a certain amount of funds in my account and them charged double the overdraft fees. They also had the nerve to tell me that if I want my money back then I should file a claim. This never would have happen if I were told truthfully what my available balance was and what was pending and posted and so on.
Product: Debt collection

I buy a car threw American car center they had went bankrupt so Westlake finance came and took my car that I was paying on it and I have been talk to them about car that was. In shop so i was still make payment they just repo my car for no reason and they was so rude
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company REGIONAL FIN account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress. I kindly request that you prioritize this issue, thoroughly investigate the situation, and expeditiously eliminate these unauthorized accounts from my credit report.
Product: Student loan

I have been struggling making payments for this loan for three months. I have been trying to get in touch with someone at American Education Services to fix this so I could get the loan out of delinquency and get on a better payment plan that I can afford. They always would tell me that I need to fill out financial information papers that they didn't have on hand and would print and send out. They told me it would take 10-14 days to arrive. A whole month has passed and it still has not come to my mail, which i check everyday. They have given me a hard time every time I call and ask for the papers and many employees give different answers from the others. This is going to ruin my credit as well my cosigners credit.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, i borrowed {$1300.00} from speedy cash and the first payment was ok {$77.00} and after that they were {$140.00} every other week and i am now unable to make these ridiculous payments cuz my hours have been cut at wk. I notified them but all i get now is i owe {$270.00} on XX/XX/XXXX, i am in default and i have sent emails and i get no reply i dont have a phone right now and i have asked for help maybe lowering the payments for a month or so they say to contact them if u cant make a payment and they will work with you. All they do is extend it 4-5 days out and tht dont help either! I am deperate i have called about filing bankruptcy and i may have to and i dont know what else to do.

Thanks in advance
Product: Credit reporting or other personal consumer reports

This account is a charge off, although this account was suppose to be deleted due to me having insurance and the laptop I purchased was stolen, the laptop should have been covered under the insurance I had with XXXX XXXX!! It states that my last payment was XX/XX/2023 which is inaccurate if not sure where they got that information from!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account # XXXX # XXXX # XXXX has violated my rights. The u.s.c 1681 section 602 A states I have the right to privacy. 15 u.s.c 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Vehicle loan or lease

I called on XX/XX/2020 to try get information on how setup automatic payment through my bank to pay once a week. I asked them for the routing and account number so I could give to my bank called twice first person hung the phone up on and second person made it seem like he couldnt locate the information called in a professional manner. I asked for supervisor because did not feel comfortable with my XXXX with previous experiences with Nissan.
Product: Credit reporting

Report No. XXXXREPORT DATEXX/XX/2015DISPUTE OPEN DATEXX/XX/2015COMPLETION DATEXX/XX/XXXX1. The above mentioned report does not mention the results/corrections performed to the report as a result of the inquiry. 
2. It does not mention the steps taken to do so either.
Product: Checking or savings account

The local bank, BB & T took it upon themselves to transfer ( debit ) XXXX from a joint account used for paying bills to a personal account in order to pay themselves fees. 
My personal account has been in the negative due to a deceptive order of putting two checks ahead of debit card purchases. The funds were in my account at the time I made the debit card purchases, yet the bank did not post them in real time. Instead they posted two previously returned checks first days after the debit purchases, then the debit card purchases. This manipulation caused my account to incur fees that were well over the amount of each debit card purchase and the sole reason I had opted out of overdraft for my bank card. Simply put, the funds were in my account and held by the merchant at the time of purchase. This hold shouldve automatically become a charge at the close of the business day and posted by back office by midnight. Instead, back office rearranged the order making it look like there was no money at the time of purchases and hitting me hard with NSF fees. 
If I didnt have the money at the time of the debit purchases and I specifically opted out of OD for my debit card, how was I then able to make the purchases in the first place? 
I understand having to pay NSF fees for returned checks, but this deceptive practice on the part of the banks to get as many fees as possible should not be allowed. 
At the time of opening my accounts it was never told to me that along with fees the bank will also charge XXXX a day for being negative. I found my personal account hundreds of dollars negative in a short amount of time and tried to resolve it in branch unsuccessfully. 
Yesterday my account was now XXXX negative, the bulk of which was fees and the bank took it upon themselves to go into an *unattached* joint account, with NO PRIOR WARNING VERBAL OR WRITTEN, and steal XXXX which means bills I paid WILL BE RETURNED AND I WILL INCUR MORE FEES!!! 
I called customer service and spoke to XXXX who DID NOT WANT TO HELP. Transferred me to the OD department WHO WAS CLOSED!! 
My next complaint filings will be with the Comptroller and Attorney General.
Product: Credit reporting or other personal consumer reports

I have discovered inaccurate information on my credit report, and I am extremely frustrated that these has not been addressed. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are legally required to verify these accounts. It is completely unacceptable for unverified information to remain on my report without proper evidence, especially beyond the legally mandated timeframe. I demand an immediate investigation and correction of the errors related to the following accounts on my credit report. 
XXXX XXXX XXXX XXXX  Balance : {$54000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I have a PayPal account with a PayPal cash card attached to it. One of the functions is the " Top Up '' feature. When you make a purchase with your PayPal cash card and your PayPal balance does not have enough money to fund the transaction, PayPal will pay the merchant while the Top Up feature will automatically transfer funds from your linked bank account in {$10.00} increments to cover. I don't always double check to make sure PayPal has made the deduction. On XX/XX/XXXX I received an email that PayPal had " a technical processing issue '' and the transfers were not initiated. The email also said they would debiting our account " On or about XX/XX/XXXX, well try to charge your linked bank account for the 3 missed payments '' however there were no attempts made. Then on XX/XX/XXXX, an unexpected transfer was made causing us a {$35.00} overdraft fee. Had they tried per the email or had we had a choice of when to pay them back for their mistake, there would be no issue. I can only imagine how many others may had been affected by this " technical processing issue ''. Unethical in my opinion. Here 's the email and thanks for your time. 

From : PayPal XXXX Date : XX/XX/XXXX at XXXX XXXX  MST To : XXXXXXXXXXX Subject : Payment processing errors for recent Top Up transactions Reply-To : XXXX PayPal Payment processing errors for recent Top Up transactions XXXXXXXXXXXXXX, Recently, you made multiple purchases using Automatic Top Up, but your linked bank account or debit card wasnt charged. This happened because PayPal experienced a technical processing issue from XX/XX/XXXX through XX/XX/XXXX. 

PayPal has paid the merchants on your behalf. On or about XX/XX/XXXX, well try to charge your linked bank account for the 3 missed payments. The charge will be for the total amount of XXXX USD for the transactions using Automatic Top Up during the period noted above. 

Please make sure that you have funds in your linked bank account to cover the transaction amounts. You can find these transactions in your PayPal transaction history. 

For questions, please visit our Help Center, or get in touch by using the Contact Us link found on all Help pages. 

We apologize for the inconvenience, and we appreciate your continued business. 

Sincerely, PayPal Please do not reply to this email. We're unable to respond to questions sent to this address. For immediate answers to your questions, visit our help center by clicking " Help & Contact '' on any PayPal page. 

XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time. I have doubts about their accuracy and the reported payment history on accounts are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the accounts be removed to correct the information. 
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: Checking or savings account

I represent the estate of XXXX XXXX XXXX. I submitted all required documentation to Citibank, including an English-translated death certificate with apostille, signed letters of instruction from both joint account holders, and valid IDs. These were delivered by XXXX ( Tracking # XXXX ) to Citibanks XXXX XXXX office on XX/XX/2025. 

On XX/XX/2025, Citibank acknowledged receipt in writing ( Ref. XXXX ) and issued a full bank statement showing a final balance of {$32000.00}. They also promised online access credentials. 

Despite this, Citibank later denied ever receiving these documents ( XX/XX/2025, XXXX. XXXX ), and has still not released the funds or provided the credentials. Other departments issued conflicting statements, including a reduced account balance ( Ref. XXXX ). 

Over XXXX months, Citibank has refused to provide a single signed letter. All communications are unsigned, impersonal, and contradictory. Attempts to resolve the matter by phone were blocked because I am not a XXXX account holder, despite being the authorized estate representative. 

The bank refuses email attachments, forcing costly international courier shipments from XXXX. This has caused administrative delays, legal exposure, and financial damage to the estate. 

I request immediate execution of the estate fund transfer ( {$32000.00} ), provision of promised credentials, and formal correction of Citibanks false statements.