23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX Under the provisions of the CARES Act, which aims to protect consumers affected by the pandemic, I am requesting that you consider removing this late payments from my credit report as a gesture of goodwill. I am confident that this isolated incident does not accurately reflect my creditworthiness or financial responsibility. The late payments in question was an anomaly caused by the unprecedented financial strain I faced during the height of the pandemic. 
The late payments listed were during the pandemic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the reporting of the late payments is inaccurate, a payment can not be considered XXXX XXXX XXXX XXXX XXXX in a row. This isn't factual reporting and is a violation of my consumer rights. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, all information must be reported accuracy.
Product: Debt collection

I have tried to verify the validity of this loan. The rest of my loans were sent to advaintage because they are Federal loans. I was only paying on this loan because I believed it was a part of those loans until they were transferred. I was also going off of what Naviant customer service was telling me, until I had a friend tell me I need to make sure this loan was mine since I do not recall taking out a private loan. I had a GI bill so taking out a loan makes absolutely no sense. I can verify with my school I paid via GI bill. I have asked for verification that any funds were deposited to my account, a school account, or if there is a returned check. I was sent a promissory note from Naviant that explicity states " this is not a promise of funds to be dispersed. '' I am simply asking for proof of dispersement. The school they stated I took the funds out for is XXXX XXXX. However, I used my GI bill to pay for XXXX XXXX and they have no knowledge of any kind of loan from Naviant/ Sallie Mae . I am simply asking for proof any funds were dispersed either directly to me via an account transfer or check, or to the school. They have refused to provide this and I do not believe I owe this money. They have ruined my credit, and I have told them I need proof. I will not pay on a loan that was never dispersed. If loans were deposited to my account it should not be difficult to prove, yet they refuse.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account Number : XXXX Your Name : XXXX XXXX XXXX XXXX that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report and notice inaccuracies! My current address is XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX! Any other addresses reporting are inaccurate and need to be removed!
Product: Money transfer, virtual currency, or money service

On XX/XX/year> after the devastation of Hurricane Milton. I found myself needing to cash a check made out to me by XXXX XXXX XXXX. I walked into JP Morgan Chase bank which is the name of the bank on the check issued by XXXX XXXX. The teller requested two forms of ID which was presented and continue to inform me there is a {$10.00} fee to cash the check since I did not have an account there. I was unable to visit my own personal bank due to closure, I inform the teller I do not accept the fee charge and exit the bank frustrated : I feel the Greed of banks and corporation have become XXXXXXXX XXXX XXXX to the consumer. 

It's during a time in where devastation is all around the area and folks are facing hard times and JP Morgan Chase could not think of anything but their GREED and policies. 

Although I did not have an account, their customer XXXX XXXX has an account with them and chase could not honor the check because they needed my {$10.00}. How XXXX XXXX XXXXXXXX can you get? If they are the last bank on earth, I would not give them my business. Making you aware
Product: Debt collection

Joseph mann & creed collection agency is sending me harassing letters saying I owe them ..I do not know this creditor nor do I owe the.? .I am a 4 times fraud victim..I do not owe this company they need to show me my original contract and they will see its not me nor my hand written
Product: Checking or savings account

They were some fraud on my accounts last year but since I been unemployed. I havent been able to to call or find out more about it ... Bank of America was more likely have lost some money ... I just want to fix my financial situation to be able to have checking account. Thank you
Product: Credit card or prepaid card

My XXXX XXXX credit card was switched over to a new company ( Barclays ), during the transition process, I never received a card/new account number. When I tried to pay the bill thru the old system, I was not allowed and told I had to use Barclays. When I contacted Barclays, they said I needed my new account number to make a payment but it could not be provided via phone. They stated they would mail the information to me. The balance was Paid in full once the account situation was worked out and I was told that the late fee 's and additional interest would be reversed due to the error. I keep receiving late fee 's and interest EVERY month since XXXX because of a balance due from the late fee that was supposed to be reversed. Every month, I call and speak with an Agent. Every month they apologize and tell me that my balance is now {$0.00}, and I will need to wait until the next billing cycle to see it reflected on my statement. Every month there is a NEW late fee and interest charge added. Now I'm being told that the late fee is valid because I paid my bill on XX/XX/22 ( It was due XX/XX/22 ), but because their system didn't actually process it until XX/XX/22 I have to pay the late fee. They have now reported the late fee 's to the 3 major credit bureau 's impacting my credit score. How am I responsible for a late fee when I paid the payment a day before the due date? How am I being punished because of Barclays processing system? I was told by one agent that something was sent to the Credit bureaus to correct my report, then told by the very next agent that I would have to dispute the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempts to inform you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$770.00} XXXX  Date of Inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit card

I opened US Bank Korean Air Skypass business credit card on XX/XX/2024. US Bank offered XXXX Korean Air miles as opening bonus with {$5000.00} spending requirement in 3 months. 

Even though I met this requirement, opening bonus was not issued so far. 
I called US Bank customer service to check situation, and customer service agent reviewed this case but had no idea why it was not issued even though spending requirement was met. He said to escalate this issue to other department to investigate further. 

Finally I received a US Bank official letter today and it said 'Unfortunately, we are unable to process this request because exiting or previous SKYPASS XXXX XXXX cardmembers are not eligible if you have received a new account bonus for this product in the last XXXX years '. 

However, when I opened this credit card, there was the different policy and I think this new policy was effective from around XX/XX/2024 which was later than my credit card opening. Based on the original policy, I met the all requirement and should receive the opening bonus. 

I think my case should be considered not the changed policy but under original opening bonus policy when I opened this account. 

Thank you Best regards
Product: Checking or savings account

On XXXX XXXX, 2017, I deposited a bank issued check for {$13000.00} to my Chase account. The check was for the proceeds from a home equity refinancing. The teller told me the check would be available in 24 hours. Therefore, I set up electronic payments to pay off credit cards and medical debt on XX/XX/XXXX, 48 hours afterwards to ensure that the money had cleared. On XX/XX/XXXX, I received two messages from Chase that they could not fund my payment to two of the credit cards due to insufficient funds. I then sent an inquiry since according to my balance I had more than {$14000.00} available. I was informed the check had been put on hold because they had to make sure it was legitimate. In the meantime, my husband wrote me a check in the amount I had written him to cover his cards, and that bounced. He has now accrued overdraft fees and I will be too. So now, this opportunity to provide some relief from credit card and medical debt has now turned into added stress and is costing us money. I find this absolutely unacceptable, especially since the Chade representative informed me that the funds would be available the next day. Furthermore, there is absolutely no reason to hold the check for 10 days ad the bank is suggesting. A quick look into my savings account will show you that every year we make a deposit at about this size. Regardless, the check is from another bank, not a personal check. Finally, this is not their practice for customers who make this size deposit on a more regular basis. This is bad customer service at the least, and possibly discriminatory. It is not ok to hold our own money hostage from us, and charge us for overdrafts when it was Chase that said the funds would be available within 24 hours. I believe this is middle-class discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years. variations of my name and misspelling the correct spelling is. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete the following addresses : PO BOX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( 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 or prepaid card

Company : American Express. 
Type of Card : Blue by American Express. 2 accounts.

Primary Problems : 1. Fixed rate was changed to variable rate without any notice, at all, and without my agreement ( I believe CFPB has fined Amex on this issue in the past. ) 2. Not only that, the base rate I was promised at time of opening the first account was also hiked without proper notice and without my agreement.

2. Excessive and unreasonable rate hikes made in violation of my rights under TILA and FCRA. Specifically, failure to restore APR rate after credit scores went back to the rate that they were before a score-based hike was made.

Secondary Problem : I strongly believe that American Express is discriminatory. Example : I have flawless credit history for the past 22+ years that I've kept account with Amex XXXX My credit scores, in that same time period has always topped XXXX and at one time reaching XXXX, XXXX percent of the time, only dipping below XXXX when I sponsored projects. Despite such remarkable record and in contrast to what expert authorities believe, American-Express fails to grant me appropriate credit limit amount, let alone a well deserved low APR, to meet my financial needs and goals, compared to the other companies I have accounts with. I am a XXXXborn US citizen XXXX I strongly believe Amex discriminates by race and by economic groups regardless how sound the credit background/history is. ( And I believe the CFPB has fined American Express for similar acts of discrimination. And I will be more than willing to assist the CFPB in investigating this. 

NOTE : this is not the first time that American Express has violated my consumer rights. Amex was not reporting my credit limit until I filed a Small Claims and then Amex credited me $ XXXX to drop the case. I did. Amex wants to do the same thing now but I refused because it seems clear that Amex knows exactly what it's doing and that it is illegal.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX xxxxxxx XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. XXXX, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX  XXXX complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by XXXX XXXX XXXX. Please feel free to contact me at XXXX According to 15 U.S. Code 1681- Congressional findings and statement of purpose. ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Money transfer, virtual currency, or money service

i am filing a complaint againt cash app ( block inc ) due to inadequate practices. which violates CFPA.. cash app failed to take timely & effective measures to precent abd address fraud on their platforms leaving my account vulnerable and unprotected. the dispute resolution was undair to me! they didnt comply with the EFTA or Regulation E. this has cause me so many financial loses! i am seeking full redress due to these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a complaint to Experian about some incorrect information on my credit report. It has been almost 3 months and they have not updated me on the report or taken action. This is terrible. On XX/XX/2020 I submitted a complaint to the CFPB and they denied taking action for some odd reason. This is ridiculous. I am stressed. I just want my complaint to be investigated and taken seriously. With COVID 19 this is not another stress that I need. Please can someone look into this? I have been patient enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask over and over for Experian XXXX disput thru letter to Investigated and Re-investigated XXXX XXXX I so as well keep ask XXXX XXXX thru letter to provided me proof of this alleged items specifically the Original contract, note orinstrument bearing my signature and both Experian and XXXX XXXX both fail to provide proof of any documents to me I'm aware section 609 requires them to provide me with a contract bearing my signature. Failing that the item must be deleted from the report as soon as possible
Product: Vehicle loan or lease

I have a auto loan with Capital One Auto. From the beginning of this loan, I have been trying to get the payment to coincide with my pay day since I am on XXXX. I have never been able to work anything out with the company regarding this and thus significant late fees have accrued. I am couple of months behind on the loan and am not saying that some late fees are warranted, however, I do feel that {$1000.00} in late fees is excessive. I am willing to pay off the loan but I am not willing to pay it off with all of these late fees and have gotten no where with Capital One.
Product: Debt collection

On XX/XX/21 I complaint about Transworld violating any grace period and immediately reporting meeical debt to the credit. At any moment I ask for validation of debt which they keep sending validation papers with personal information from my minor daughter without my hyppa release forms
Product: Credit reporting, credit repair services, or other personal consumer reports

This company which is Check N Go has report incorrect information with the credit bureau. I never signed a contract and they never sent me a bill. They went through a third party and that 3rd party put me on the credit bureau which is XXXX. They were the ones that refer me to FTC.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I got married on XXXX/XXXX/15 which resulted in a name change. I contacted Bank of America as I have multiple accounts with them, two checking accounts, a savings account, and a credit card. I am also an authorized signer on my parents bank account, as they are on mine for emergency purposes. XXXX of my other sisters is also an authorized signer, and she lives out of state as well. I contacted my local Bank of America branch to confirm the paperwork I would need to make the change - except they would not allow me to make the change on my own. They are making me have every signer on the account come in and sign for my name change, keep in mind, no one else 's names or information were changed. I call the telephone banking number, I was initially told this should not be a problem and I should go back to the branch. I go back to the bank branch prepared with my legal documentation, again I was denied the ability to change my name without all of the other signers. The issue is, my father who is on the account, works out of state and there are no branches where he works. I call the telephone banking number again, I was told there is no way around this, but was told I could close my account with only my signature. I was also told this at the branch. Why I would want to close my account of 20 plus years and open a new XXXX, is beyond me. Especially when it would not fully resolve the issue, my name is on other accounts and I will not close my parents bank account. Bank of America offered to mail me a form to complete, I called twice on this form and kept being told " The form is on the way, give it time '' 2.5 months later, I am still waiting on said form. Bank of America 's policy on this is asinine, all I want to do is change my bank account to my legal name. I have done this same action with other financial institutions and all it required was a phone call and a form, no other account signers required. Bank of America 's policy is outdated and a major inconvenience to consumers and they offer no viable solutions.