23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

American Express National Bank closed my account and did not return my funds. I called on XX/XX/XXXX when I was unable to transfer funds. They informed me that the bank had decided to close my account on XX/XX/XXXX. I made 3 successful deposits into the account ; XX/XX/XXXX for {$4000.00}, XX/XX/XXXX for {$20000.00}, and XX/XX/XXXX for {$50000.00}. The account had been open since XX/XX/XXXX. When I asked how I would be able to recover my funds, they informed me they would not send me my funds and that I would have to contact the originating bank to have the funds reversed.
Product: Credit card or prepaid card

This message is for XXXX XXXX, I did receive your response on XX/XX/2020. And this is not about the previous complain filed but this is a new fresh complaint and this is regarding the bed, the previous one was for the recliner and the sofa. 

And this claim is {$1000.00}. I opened this claim on XX/XX/2020 and by now this should have been resolved. Please resolve it, otherwise I will have to go to the court regarding this and I am serious about it.
Product: Credit reporting or other personal consumer reports

These accounts are reported with incorrect information in my report even though they are not mine. 
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 XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) Due to inadequate customer service, and unfair practices Which violate The consumer financial protection act ( CFPA ) Specifically, Cash App failed To take timely and effective measures To prevent And address fraud On their platform, leaving my account Vulnerable and unprotected. Furthermore, their dispute Resolution process Was unfair and deceptive As they did not comply with error, resolution requirements Under the electronic fund transfer act ( EFTA ) And regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I'm a XXXX widow me and my husband took out an equity line of credit on our house a {$50000.00} in 2005 My husband since then has passed I haven't making the payments of {$370.00} a month but then last month it went up an extra XXXX, I have tried three times now to refinance it and drop the payments and I keep being denied and I think it's because of my age I don't want to lose my house but I can not afford almost {$800.00} a month that is over half of my social security that I get they're not working with me it's through u.s Bank and I have tried everything and they're not giving me a reason for the denial either they gave me a number for collections well when I called them I don't have anything in collections through US Bank nobody seems to know why and nobody is giving me a reason on anything I'm at a loss and I don't know what to do now.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX XXXX : # 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  US Dept of ED/XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX 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. 1681-2 ( 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

During XXXX and XXXX I had multiple transactions through Zelle and XXXX  XXXX XXXX which resulted in lost funds through my account because Zelle failed to properly investigate my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. 

Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 

Please fix this account : AMER HONDA XXXX Balance : {$8100.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Credit card or prepaid card

I paid American Express a large lump some XXXX toward a XXXX balance, and they lowered my spending limit to XXXX, bringing my usage to 98 % instead of the goal of 60 % usage ( I paid XXXX ) to lower it because I was in the process of getting a mortgage and need to have debt paid down. I spoke with Amex and they assured me after I sent in my check stubs and 401k information, they would increase my limit bak to the original XXXX. On XX/XX/XXXX after I sent what was asked, they declined to increase the card back and have me at 99 % utalization, and have caused me to not qualify for my loan and not my score to drop. Amex lied and assured me they would fix this and now the call people in XXXX are refusing to honor what I was told. The
Product: Vehicle loan or lease

I crashed my car and my insurance and XXXX  insurance totaled the vehicle and paid it off and the company was wrongfully charging my late fee on a totaled car
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Passport, ID, Identity Theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX/XXXX/2021 i called Experian and i spoke with XXXX at approximately XXXX, i explained to her that i disputed a PXXXX XXXX XXXX account that randomly appeared in my credit file and i never done business or wish to do business with that company, i then told XXXX that i received a notification ON XXXX/XXXX/2021 that states " This item has been removed from your credit report ( XXXX XXXX XXXX  XXXX and it gave me a report number, after i gAve her the report number, she tells me that she doesn't know what happened and told me i need to file a police report and identity theft report. I ask why do i need to file a police report or identity report, if Experian mixed my file with someone elses. she told me i can wait 30 days to see what will happen. 

i mentioned that i would like to dispute an address, because its not mine she refused telling me i need to file a police report I also called about XXXX account, which i disputed and there is no indication or notation that its being investigated with Experian, i asked her can i just dispute it again, she became rude and nasty. telling me i need to file a police report and identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$9300.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Student loan

On XX/XX/XXXX, I received a letter from NCS ( National Credit Services-a contracted collection agency ),  stating that my wages would be garnished if I didn't make an agreement with them within 30 days. I tried calling several times. They are closed after XXXX. I finally got ahold of them at XXXX one day and set up an agreement to pay {$14.00} with the understanding that I would get back with them about additional medical bills that were weighing heavy on me from an injury I received in XXXX which resulted in XXXX and some time off work. After finding that I owed 4 or 5 providers and that it would become too difficult to create a 'statement ', I got back with them letting them know that I would take the larger amount regardless of the additional medical bills. 
I thought that when I had made and agreement with them on XX/XX/XXXX, that all was good to go, we would start the rehabilitiation program and I would start to feel relief about this debt hanging over my head. They took a payment from my account on XX/XX/XXXX and another out of my account on XX/XX/XXXX. I thought everything was good. And then on XX/XX/XXXX, I was informed by our Human Resources person that my wages would be garnished {$200.00}. When I phoned them today, they gave many excuses for this action : 1. It was over 30 days from XX/XX/XXXX 2. My pay stubs were not dated properly 3. They said they tried to phone me, but I do not answer my phone on work hours and they never left a message. 
I was totally under the impression that all was good and that my rehabilitation agreement would ensure that I would not have my wages garnished. I neither heard nor understand that when I spoke with XXXX on XX/XX/XXXX, that my wages would be garnished. 
All or most of the communication I had with them was pushy and 'urgent '. It was very stressful and difficult. 
Now, I have to make the rehabilitation agreement AND they are taking the garnishment. This is unfair, dishonest and unethical.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I attempted to send a wire from my Navy Federal Savings account via the prescribed method of sending an emessage thru their online system. On XX/XX/2022 the wire has still not processed and I attempted to call the bank, at which time I am told it can take anywhere from 24-48 hours to process such wire, even though it is time sensitive. This is unacceptable as I should not have to wait this long to access my funds, and I feel it is a way of unfortunately holding my money hostage and in violation of the regulating act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputed this account from XXXX XXXX with XXXX, XXXX, and Experian with no avail. Only updated with inaccurate information every time. Which clearly is not the case. 
1. Account status is different with all 3. 
2. Date opened is inaccurate. 
3. Payment status is inaccurate. 
4. Last reported dates are inaccurate. 
5. Comments on all 3 accounts read something different. 
6. Date last active is different on all 3. 
7. Date of last payment should be the exact same across the board as either the charge off date, or the day the car was paid off. 

All of this information is inaccurate and Is a violation of my rights. Picture from credit report included. Report pulled on XXXX.
Product: Credit reporting or other personal consumer reports

National Credit Systems has reported an account to my credit report. I have NEVER had an account with National Credit Systems. 
I have not supplied proof under the doctrine estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist Therefore I am it being removed IMMEDIATELY from all reports
Product: Credit card or prepaid card

3 years ago Wells Fargo rep recommended to open a secure business credit card to bring up my credit scores, sold as credit repair. Wells Fargo used my {$1000.00}, what was converted to a standard credit card a year and a half later. The problem is just find it out, the business credit is not getting any credit ratings/scores at all. So it is not effecting my credit worthiness.3 years of use of the card for nothing.Finally I picked up on it, something is really wrong because my credit score was barely rising per year, using the card with $ XXXX/month auto pay, a lot more then the {$25.00} minimum payment would have been.Interestingly you can change everything on the WF website, after you log in in the manage accounts, like do transfers between accounts, but to change the amount of the MINIMUM monthly payment is not possible. Actually only Wells Fargo Rep can  change that for us, after you call them on the phone line! You can not adjust your own payments to a higher number, if you liked to! Regardless how the business card is on my name, beyond the name of the business, is used with my social security numbers, you wont get any credit points/ratings for the use of the card.This product is a fraud.First they used my own money for 18 months, and now XXXX   rep said they don't rate credit for business credit cards period.Only the personal accounts getting scored.I asked WF rep on the phone who rates it, and he had no answer for me. Well no one is the right answer.So why Wells Fargo selling the idea first place for the credit repair? It is not repairing a thing.They have secured and other person cash for 18 months for free use .Just like a new saving account for them.They play the market with with my founds for their own benefit. Why not the in house rep advised me correctly to get a personal line of credit card for the promised credit repair? Everyone blames everyone. We to costumers are getting taken for a ride with offer of a fraudulent product/service. If I close this card now it will effect my scores. We are screwed both ways on this deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( transunion, XXXX, and XXXX  ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
Product: Debt collection

SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This is not my account when I called the company they were very rude and said I needed to pay this or else
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I applied for a savings account with XXXX XXXX XXXX. I was rejected because of a credit freeze I paid for adding a credit freeze and then I paid again to take off the credit freeze with Equifax about 5 years ago ... because of problems like this. In XXXX Equifax told me there was no freeze on my account. 
I just applied for a savings account with XXXX. I was rejected because of a credit freeze. 
I called Equifax and told them they had to fix their records and I can not conduct any financial business with Equifax reporting a freeze on my account. I spoke to XXXX, a manager at Equifax ( XXXX ) and he refused to help because his system was down at XXXX PT in the morning on a XXXX. I told him to take down my info and fix it later. He refused. 
Equifax needs to delete any freeze on my account. They are materially impacting my financial stability by denying me the ability to open and close accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this inaccurate information from my credit report. I have submitted numerous disputes thru the company and credit reporting agency, I have yet to be provided with proof or any correspondence. This account/debt does not belong to me and is harming my credit character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first received a catalog for a company I have never heard of a few weeks before, It was from XXXX XXXX. On XX/XX/2021 I received a notification from XXXX XXXX XXXX XXXX XXXX/Swiss Colony ran my credit and I have a hard credit inquiry. I never ran my credit for anything in the past 4 months. I believe my identity was compromised.
Product: Debt collection

I responded to a sales call about a XXXX XXXX which I later found was a unwanted timeshare contract. I requested that my membership be cancelled but the company called XXXX ( XXXX XXXX XXXX XXXX ) would not cancel the service. They kept part of my deposit and are reporting a {$10000.00} debt on my credit report. " I am disputing a purchase charge to XXXX because the merchant will not voluntarily refund money I paid for a membership in a travel club. On XXXX XXXX XXXX the XXXX XXXX  promised me a membership that promised me several weeks of stay time at a low rate. When I called to book a week stay room at that rate they informed me that lowest priced room was unavailable and I needed to pay more and upgrade room. Second they told me that the alternative low rate mini vacation rate was also unavailable. Last but not least they told me that I could only take advantage of the low one week rate once a year. I called XXXX XXXX to discuss the terms of the contract on with XXXX XXXX and was not satisfied with the terms. On XXXX XXXX I explained to her that they did not fully explain the contract and I wanted a refund but they will not refund the money. I called my credit card company to dispute the contract that day. I also Faxed a rescission contract that day. They asked me how I knew about the rates because my ID had not been issued yet and that is because they offered me two free vacations that I could not book for 2 months and I wanted to vacation before that time. So I called the XXXX XXXX XXXX they provided to me and told them that I wanted immediate booking and they gave me my rate info. On XXXX XXXX XXXX Called spoke to XXXX in Membership department asked why money had not been refunded told me dispute was pending. They have reported account to collections who is reporting Negative credit info on my credit report : Account Number : XXXX Amount Delinquent : {$9500.00} Payment Status : Collection/Chargeoff Consumer Statement : Account information disputed by consumer, meets FCRA requirements Creditor Name : MONTEREY COLL SVC Creditor Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I borrowed {$700.00} on XX/XX/XXXX I have made 2 XXXX Payments on XX/XX/XXXXand XX/XX/XXXX. I called to pay off the loan on XX/XX/XXXX. They said the pay off is {$880.00}. I asked how it could be that much if Ive almost paid {$400.00}? They said every day collects interest and I wont start paying for the loan until XX/XX/XXXX. This is crazy. I am willing to pay back. The loan but not that much!!
Product: Debt collection

Agreed settled amount was {$3300.00} per agreement letter provided XX/XX/XXXXOriginal collection date : XX/XX/XXXXAttempts to resolve : In XX/XX/XXXX I hired a lawyer to contact collection agency IQ Data International because they refused to accept my attempts of payment offers. When I would call they would insult me by calling me ignorant and stupid and hang-up on me. Once I hired the lawyer they made attempts to arrange a payment but I was informed IQ Data did not want to agree on any payment arrangement. Instead they would only state that they would garnish my wages if I did not pay a total of {$4600.00} in a lump sum. They would not provide payment options and only wanted a bank card number to collect full payment. 
In XX/XX/XXXX I received notice that they secured a judgment against t me and again the law office began contacting them for payment arrangements and again they refused every offer attempted always threatening that if balance in full was not paid they would garnish my wages. 
Finally after over XXXX emails with my lawyers and a number of calls on my behalf XXXX XXXX from IQ Data International sent my lawyer 's office a letter with a payment arrangement for a settled amount of {$3300.00} - I agreed to initial deposit of {$1500.00} and 9 monthly payments of {$200.00} on the XXXX of every month beginning XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. This is clearly stated on the letter IQ Data provided my laywer. 
When I called to make the initial deposit of {$1500.00} they took my deposit via my bank credit card as this was according to XXXX XXXX from IQ Data the only method they could accept payment. XXXX XXXX stated my card would be charged {$200.00} as noted on the agreement and then an additional 3 months of payments with the last month a payment of {$240.00}. 
I explained this was not on the agreement. He stated he did not have room to add this to the letter he provided and threatened me by saying if I did not agree to the additional charge my deposit of {$1500.00} was going to be refunded and he was going to proceed with a garnishment, then hung-up the phone on me. Even after being very reluctant to use my personal credit card due to fear of this company 's bad practice and many bad review and fraud, I provided my bank information. 
I called my lawyer 's office explained the situation and informed my lawyer I was going to file a complaint against IQ Data International and I wanted to fight the charges that they keep adding to the balance. 

XXXX emailed me and my lawyer and said we had a conversation with me but that is not correct he now wants to charge me more than the agreed amount. I am attaching his email as proof to you. 

I, through my attorney since XX/XX/XXXX have been working on correcting any bad outstanding debt caused by a custody battle that I was involve with in XX/XX/XXXX. This is the only company that refuses to provide a proper agreement for payment.