23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

When paying a XXXX invoice of XXXX, I wanted to determine if I would be charged in USD before I used my XXXX XXXX card, so as to avoid foreign transaction fees. Otherwise, I would use a different credit card that does not charge such fees. I called PayPal on XXXX/XXXX/15 at XXXX Eastern Daylight Time and was repeatedly assured during a 14-minute phone call I would be charged in USD. I transacted the payment at XXXX EDT on that date. I was charged in XXXX, and XXXX XXXX added a foreign transaction fee of {$84.00}. When I called PayPal back on XXXX/XXXX/15 at XXXX EDT, I spoke to supervisor XXXX, who informed me that the only action available is to ask the merchant to refund the money. After disputing the charge with XXXX XXXX ( to no avail because this disputed the charge with the merchant directly, which is not what I need ), I attempted to communicate with PayPal again about this issue. I spoke to another representative who told me he would open an investigation and listen to the phone call in question to confirm that the conversation in question did in fact include the assurance that I would be charged in USD. He told me I would hear back in a couple of days. I never heard back, and a week later called back, and another representative told me again that they would investigate the matter, and that they saw no evidence of such a request on my profile. Again, I never heard back. I called back again on XXXX/XXXX/15 at XXXX EDT, and spoke to another representative for 15 minutes who was rather difficult and rude and stalled my request to speak to a supervisor. After I insisted to speak to a supervisor, I was put on hold for 30 minutes before hanging up and calling back at XXXX EDT, asking to speak to a supervisor immediately. I spoke to supervisor XXXX, who told me she would send a request to an office to have a payment credited to my account to offset the fee of {$84.00}, and to call back to check on the status of the request. I called back the next day, XXXX/XXXX/15 at XXXX EDT, and the response was that I would have to deal with this through XXXX XXXX, since it was a fee charged by XXXX XXXX. Of course, XXXX XXXX is in no way responsible for this issue - PayPal is, because PayPal gave me wrong information that resulted in my being charged the foreign transaction fee. After nearly a month of being forestalled and disrespected by PayPal in this matter, I decided to file a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. Thank you
Product: Credit reporting or other personal consumer reports

Around XX/XX/2023, XXXX XXXX ran a hard inquiry on my report that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : Chase Card XXXX XXXX XXXX XXXX, DE XXXX XXXX Those dates are : XXXX. XX/XX/2017
Product: Prepaid card

Ref complaint XXXX Reopening this complaint, as it was not resolved. I missed XXXX calls from the company requesting the card numbers, but was unable to answer as I was at work. I have tried to call them back XXXX times but only reach a mailbox. See attached call logs. The letter they sent did not provide any email address for correspondence. I believe they are intentionally making this difficult to deal with, so that people with relatively small amounts on their cards ( or poor literacy skills ) give up. Ref previous complaint : XXXX Original complaint below : I was given XXXX separate prepaid American Express cards , each with {$500.00} balance ( {$2000.00} total ). This was part of a reward scheme through an airline. I was provided with these cards on XX/XX/2024. I was only provided with virtual cards, no physical cards. I have been unable to use any of the cards at any online retailer, with the exception of XXXX {$5.00} transaction at XXXX. For any other amount, all cards have been declined. I have tried at different times, multiple different retailers ( including XXXX, XXXX, XXXX ), and multiple different transaction types ( buying other gift cards, buying products ). I spent over an hour with customer support at AMEX and no help was provided. XXXX of the cards was closed, but a replacement was not provided as they claimed they were having 'difficulty ' doing so. Their customer portal does often not work. The proposed solutions from AMEX were not feasible, including : - Replacing the card due to damage to the magnetic strip ( when I was only provided a virtual card ) - Trying at different retailers ( already tried ) - Trying as a debit transaction ( most online retailers do not offer this option ) - Trying in-store ( only provided with a virtual card ) - Adding to my XXXX XXXX  account and spending through that ( did not work ) From internet searches, this appears to be a known issue by AMEX, and there are hundreds of similar complaints on various internet forums. The customer support from AMEX has been incredibly poor. Providing gift cards that are known to not work at most locations ( even those listed on their website as 'accepted ' ) while offering no serious remedy when issues are found is a disgrace.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/17 I sent them a certified/return receipt letter to validate this debt with my signature. They received and signed for my letter on X/XX/17. On X/XX/17 they responded with a letter dated X/XX/17 stating they verified and are reporting my account accurately to the credit bureaus ( attached ). Account number in question is XXXX. On X/XX/17 I sent out my next letter which was 31 days after they signed for my 1st letter. This 2nd letter was received and signed for on X/XX/17. I received a 2nd letter from them on X/XX/17 dated X/XX/17 ( attached ). Both of their responses were the exact same letter. I pulled my credit reports with all credit bureaus on the day they signed for my 1st letter and the 31st day after they signed for them and they had not placed a notice of dispute in comments on any of my reports and they did not send my proof of validation, only verification, which are different. They have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Credit card

I am filing a complaint regarding misleading practices by American Express related to their 0 % APR credit card promotion. 

I applied for a credit card with a 6-month 0 % APR offer and set up autopay. However, I inadvertently turned off autopay and missed a payment due on the XXXX of the month. Despite this, I was only notified via email on the XXXX at XXXX XXXX  that I had missed a payment. On the XXXX, I received another email urging immediate payment. I promptly checked my account and made the payment. 

To my surprise, American Express removed the 0 % APR promotion and applied three months ' worth of interest charges. The terms about losing the 0 % APR were buried in fine print and not clearly communicated. Moreover, I was never explicitly warned that missing a single payment would result in losing the promotional offer. 

I contacted American Express to request that they remove the unfair interest charges, but they denied my request. I believe this practice is deceptive and unfair, especially as I acted promptly once notified. 

I kindly request your assistance in investigating this matter and ensuring American Express is held accountable for providing clear, transparent terms and fair practices for their customers. 

Thank you for your time and assistance.
Product: Credit card

I was charged for 3 separate purchases each one I disputed monthly explaining I never requested these charges. I even asked for them to be banned so I wouldnt get charged they keep happening I am receiving no protection from fraudulent charges I cant even get them to give me new credit card either even though they accepted my last two disputes about it they havent even credited me back the fraudulent money I was charged I am over {$50.00} loss now going on over {$70.00} from another recent charge I still have to dispute again due to their inaction!
Product: Money transfer, virtual currency, or money service

My pension from XXXX goes to USAA BANKING. However. Ive been unable to retrieve my money for a year and a half. I have already stopped the allotments going to USAA. 
However, I have not been able to withdraw and of the money in my account. Ive done the verification process three times and still I cant be verified. I had my bank XXXX XXXX XXXX XXXX. the notary republic wrote a letter telling USAA TO TRANSFER MY FUND XXXX TO MY OTHER ACCOUNT BUT STILL THEY DID NOT DO IT. There is XXXX XXXX cards on my account withdrawing and depositing money but I dont have XXXX cards. And every time I try to get info on my account they wont allow me to get any information. They say they need to verify me first which they can not seem to do. 
Can you please help me Im a XXXX XXXX XXXX and in dire need of the money. I have CHF and its difficult for me to go places without a car and thats what I want to do. 
Please give me a call XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX
Product: Debt collection

To Whom It May Concern : This letter is regarding Caine & Weiner Account # : XXXX. 

I dispute the validity of this debt back on XX/XX/XXXX. There is no debt owed to XXXX, despite continuous debt service request from Caine & Weiner. 

I have attached the original order with XXXX, dated XX/XX/XXXX. The order terms were for 3 months only. 

On XX/XX/XXXX, I requested XXXX to cancel the subscription service after 3 months. XXXX XXXX of XXXX responded to me stating your request will be processed according to your subscription terms. 

I have also attached my credit card statement showing 3 months of payment to XXXX, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. XXXX proceeded to charge me for a 4th payment on XX/XX/XXXX despite XXXX XXXX of XXXX acknowledged my cancellation on XX/XX/XXXX. 

Therefore, I disputed the 4th charge ( dated XX/XX/XXXX ) with my credit card company, XXXX. XXXX has reviewed all evidence and issued me a permanent credit for this dispute. Please see dispute judgement from XXXX dated XX/XX/XXXX attached. 

I communicated the above facts along with evidence to XXXX that there's no debt owed to them on XX/XX/XXXX. And yet, Caine & Weiner sent me another correspondence to repay the " debt '' on XX/XX/XXXX. 

Please note that there's no debt owed. And this is a false claim. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by Premium CB XXXX XXXX XXXX XXXX XXXX FL, XXXX on XXXX XXXX, 2016. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into ( insert name of creditor ) inquiry to determine who requested this credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the FCRA for the account pertaining to XXXX XXXX XXXX XXXX XXXX ) has violated my rights! I have no knowledge of these accounts, as I have asked for competent evidence bearing my signature showing that I have a collection debt with XXXX XXXX XXXX, I have waited 60 days and I still have no received a copy of a contract with their company. 

My rights have also been violated from this company for this alleged debt 15 USC 1681 Section 602 states I have a 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. 

Also FLORIDA REQUIRES a collection agency to be licensed in Florida in order to collect a debt and XXXX XXXX XXXX XXXX XXXX ) is NOT licensed in this state!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' California Auto Finance is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' California Auto Finance the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, California Auto Finance whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. California Auto Finance informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Mortgage

Due to my recent divorce, I wanted to refinance the house in which I lived in my name only. The mortgage was originally taken out at XXXX XXXX XXXX, XXXX, Iowa and they sold the original mortgage to Loancare , LLC. It is against Loancare , LLC I am filing my complaint. 

I went to XXXX XXXX XXXX XXXX and applied for a new mortgage in my name only. The lending department at XXXX was instrumental in reworking a new mortgage and they proceeded to seek a payoff from Loancare , LLC starting on XXXX/XXXX/XXXX. A payoff due Loancare LLC of {$200000.00} was received by XXXX onXX/XX/XXXX. ( Reference the attached notes from XXXX, the loan officer, to see the efforts made to receive this initial payoff ). On XXXX/XXXX/XXXX a second, and new payoff in the amount of {$190000.00} was received by XXXX. This payoff used the wrong good through date of XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX as the payoff ; in addition, the total loan amount due was both printed wrong and added wrong! 

XXXX assumed, for reasons in XXXX notes, the second payoff was correct and they wire-transferred {$190000.00} to Loancare LLC on XXXX/XXXX/XXXX when it came out of rescission. A third payoff letter then arrived at XXXX on XXXX/XXXX/XXXX in the amount of {$200000.00} stating the payoff was made after XXXX XXXX, XXXX so another month of interest ( {$770.00} ) was added. 

At this point, I made four phone calls over several days including a conference call at and with XXXX loan officers. Typically, I was put on hold for long periods ; told there was no one in management available ; or the phone simply went unanswered during regular business hours. I then went to XXXX wondering what to do next. The loan department went to XXXX XXXX XXXX XXXX, Chief Operating Officer at XXXX for help. He made several attempts to reach Loancare LLC and on one attempt was on hold for fifty minutes. 

Now, as of XXXX Loancare LLC has issued a fourth payoff in the amount of {$200.00}, XXXX stating yet more charges were added to the loan. This is beyond reason! Through this entire process, XXXX made more than ten phone calls to Loancare LLC and I made at least four. All the attached evidence clearly shows Loancare LLC made the errors that created this mess. What is most frustrating is their admission they were in error but still unwilling to remove the extra month of interest and putting the amount owed back to {$200000.00} ; if not actually XXXX which they said was due and which XXXX wired to Loancare LLC as requested on the Loancare LLC wire.
Product: Credit reporting or other personal consumer reports

CC : CONSUMER FINANCIAL PROTECTION BUREAU AND AND FEDERAL TRADE COMMISSION. RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g. CFFB COMPLIANT NUMBER : DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!! I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by TransUnion for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved. Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all accounts listed below ( In Addition to, falsely reported inquires and an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX