23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was sent a promotion of a credit card, " prepared for '' me. I applied forthe " XXXX '' credit card, after which I wassent a letter that said I had too high of credit balances. Yes, I had XXXXcredit cards, XXXX with a balance of {$17000.00} and XXXX with a balance of {$18000.00} because those cards gave me an extended promotionalperiod with XXXX interest. I have XXXX times as much money in mysavings account as my credit card balances and I always pay mycards entire balance off each month ( unless they give me a promoat zero % interest, in which case I always pay the minimum paymentas they require. Upon receipt of the refusal notice, I called all mycredit cards and either cancelled them or reduced the credit limit totheir minimum, and paid all of them off except for the one with abalance of {$18000.00}. The reason I am writing you, within a weekor two of my refusal, I receive the same promotion for the samecredit card, for which I applied again, thinking I have cleaned upmy unused credit cards and I have reduced the credit limits for thoseI kept, except for the XXXX mentioned. However, just today I receivedanother refusal letter, stating there were " too many inquiries on mycredit file and you have sufficient utilization of your credit ''. Yes, I hadtoo many inquiries I suspect because every time they change a creditlimit, even if I requested it be reduced, there was an inquiry. I suspectevery time I cancelled a card, it was recorded on my credit file. Now, being given a reason that " you have sufficient utilization of your credit '' means what - darned if I know. Yes, if they give me 0 % interest, I amgoing to utilize that credit as long as they let me! The real irony is thatmy husband and I have over XXXX XXXX in assets and over XXXX XXXX inliquid assets which we can use to pay off that {$18000.00} as soon as the0 % promotional period ends. We were able to save those assets bybeing " cheap '', such as using 0 % promotional offers. Granted, Bank ofAmerica does n't make as much money off of me as those that run abalance and pay what I think is excessive credit card interest. 
However, do n't send me repeated promotions once they haveturned me down. Also, I do n't think it is right to refuse an applicantonce they determine that I do n't pay credit card companies or banksthat offer them interest. If they are going to send me letter after letterafter letter telling me why I should apply for a credit card, but onlyapprove me if they think I will run up a balance, get in over my headand make them more money, that just is n't right!! Yes, I know thecredit reporting companies are not perfect, but the credit report andsystem is tilted towards banks so they can charge interest and makemoney. I paid off my mortgage as quickly as possible and flat out don'tpay interest. If they are going to penalize me because I have $ XXXXXXXXon a credit card that offered me that 0 % promotion when I have XXXXthat in savings that just is n't right, even if they do n't make as muchmoney off of me as they think they should.
Product: Credit reporting, credit repair services, or other personal consumer reports

by XX/XX/XXXX I request to XXXX XXXX review an inaccuracies in my credit report, I gave 30 days, they answer was need more information my dispute was clear and attach the report multiples inaccuracies, one of them DOLA DIFFERENT BETWEEN THE 3 OF THE BUREAUS.
Product: Credit card

XX/XX/2024 -- An XXXX XXXX crew member handed me the application for an AAdvantage Aviator XXXX XXXX XXXX The promotion number XXXX -- XXXX bonus miles. Based in Delaware. 
XXXX XXXX, XXXX  -- applied for the credit card online. The request was " denied. '' We have never been denied and have a high credit rating. I gave up trying to call someone. 
XX/XX/XXXX -- received a letter stating the company needed personal data -- SS #, Photo ID, copy of checking acct or utility bill with my name & address. 
XX/XX/XXXX -- Mailed form with the flier explaining I had tried online. Only four days later XXXX. XXXX, I received a letter stating " Too many recent applications. '' After 4-5 transfer calls, " specialist '' and focused on latest application. He said to make copies of the three pieces of personal data asked in the XXXX. XXXX letter. My bank faxed the requested info. the next day. 
I received another letter requesting the data and I called a " Specialist '' who said to make clear copies and send registered mail to their XXXX, Delaware XXXX XXXX XXXX 
XX/XX/XXXX -- sent the data again through registered mail. 
XX/XX/XXXX -- received another letter wanting my ID, which I had sent twice. 
XX/XX/XXXX -- Asked several reps to cancel my application. I said I wanted confirmation that it was canceled through email and asked what happens to my ID. The last " Specialist '' got defensive and said another dept. handled that. When I asked to speak to someone who could verify that my ID was destroyed, she said it wasn't possible to speak to someone else. I'm very frustrated with the delay tactics and not comfortable with this company holding on to my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ XX/XX/2023 ] Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Documentation Regarding Verified Account Accuracy Account Number : XXXXXXXX XXXX that starts with XXXX Dispute Reference Number : XXXX Dear Experian Dispute Department, I hope this letter finds you well. I am writing in response to your recent communication regarding the accuracy of the account information in my credit report. The purpose of this letter is to kindly request further clarification and documentation concerning the verification process that led to the conclusion that the reported account is accurate. It is crucial for me to understand the basis for this determination, and I believe your assistance in providing specific details will help me gain a better understanding of the situation. 

In your communication, you stated that the account in question has been verified as accurate. However, I have some questions regarding the verification process : 1. How did you verify this account as accurate? 
2. Could you provide details about who you spoke to during the verification process? 
3. What was the time and date of your communication with them? 
4. Could you kindly share the names of the individuals you interacted with? 
5. Which department did these individuals work in? 
6. Can you provide a summary of the conversation you had with them, specifically regarding the accuracy of the account? 
7. Was any tangible proof or documentation provided during this process to validate the accuracy of the account? 

Given the importance of having a clear understanding of the verification process, I kindly request that you provide me with any and all documentation related to the verification of the accuracy of the aforementioned account. This could include notes from conversations, emails, letters, or any other written communication that outlines the steps taken to validate the accuracy of the account information. Please ensure that these documents include information on the method used for verification and any proof or evidence that was presented to establish the accuracy of the account. 

I understand that gathering this information may take some time, but I kindly ask that you provide me with these documents within 15 days from the date of this letter. In the event that you are unable to furnish these documents within the stipulated timeframe, I request that you promptly remove the disputed account from my credit report, as it is essential for me to have accurate and well-substantiated information reflected in my credit history. 

I appreciate your attention to this matter and your understanding of the importance of transparency and accountability in the credit reporting process. 

Thank you for your prompt assistance in this matter. I look forward to your timely response.
Product: Credit card or prepaid card

I applied for a card last year in XXXX. I was approved and card was supposed to be shipped out. I never received the card. I called them around XXXX yo inquire about the card and they said a new one would be shipped out. I received it close to XXXX. 
Today I called to ask why if I had already spent more than {$3000.00} why I had not received the XXXX miles I was supposed to. I called today to inquire about this and they said that I didnt meet the spending by XXXX. I brought out the fact that my card was received on time and I figured my time would not begin until after the 2nd card was shipped out and now I am told that they dont have noted of whenever I called last summer and that maybe it was for another account. I only have one account with them. To make matters worse they said that only one number shows on file for me which is inaccurate because back in XXXX I lost my wallet and had to cancel all accounts and request new cards. 
I spoke up to the supervisor and she still was set on saying that I've only ever had one card. Which is ridiculous because like I said I did have to request a new card. Obviously something is going on with their system and they refuse to look further into it.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/1986 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that, the TransUnion credit reporting agency XXXX XXXX and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX  Account # XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.
Product: Checking or savings account

I paid a deposit ( to be returned ) to a merchant, when the time came the funds were not returned and so the transaction became fraudulent. The payment was on XX/XX/year> in the amount of {$500.00}. 

I filed a claim with my bank to have the funds returned to my account. Months and this hasn't taken place.
Product: Debt collection

This letter serves as formal notification that I am requesting you to immediately cease all communication regarding the debt associated with account number [ XXXX ]. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c, I am exercising my right to stop all further contact regarding this debt.

Please consider this letter as a clear instruction to halt all attempts to contact me via phone, mail, or any other means. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2600.00} XXXX, XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX {$3100.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX  XXXX {$1600.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$2600.00} XXXX XXXX Balance {$1700.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX Balance {$400.00} XXXX  XXXX XXXX Balance {$850.00} XXXX XXXX Balance {$4600.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am an American Express account holder. I recently book a trip through American Express travel. My trip was a failed attempt but the charge on my card is pending online the amount of {$4200.00}. I spoke with several representatives over a 48 hour period trying get the problem resolved. I was told that it would take 3-5 business for the funds to be put back in my account. I Do not understand why a trip was never booked but my card was charged and the funds are pending. Due to an unforeseen circumstance I do not have 3-5 days to wait for my fund to be release. American Express has caused great harm to my mental within the last 48 hours. I would like my funds released and documentation stating that this process is legal.
Product: Credit reporting or other personal consumer reports

XXXX is leaving my account in a delinquent status since XX/XX/2023 despite being paid as agreed. They are showing the account as delinquent 30 and it is hurting my credit scores. This is violation of US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan XXXX This should be immediately corrected and as such they should remove all late payment history from my account.
Product: Vehicle loan or lease

We utilize Regions online Bill Pay, and made a payment to M & T Bank on XX/XX/2016 for an RV loan. In XXXX of 2016, Regions put the payment amount of {$670.00} back into our account because M & T bank never cashed the payment. We have not been able to get an answer from M & T Bank as to why they did not accept the payment. We did not catch the redeposit transaction until working up the taxes this year. 
We did not get any notice from M & T of a past due amount, and when I called to inquire, was told it was my fault because I did not notify them of an address change. However, I receive a monthly reminder through email that would constitute a point of contact, but M & T chose to ignore that, and churned the account with late fees. 
I contacted XXXX about my bill pay account to get documentation so that I could prove I made the payment, that is when I found out about the redeposit in XXXX. Because M & T did not cash the payment, XXXX  could not provide the documentation, nor could they provide documentation of our checking account more than 6 months in arrears. They sent a letter to M & T Bank, which I believe M & T Bank ignored. The letter is attached. 
I MADE THE PAYMENT IN GOOD FAITH, but made the mistake of relying on the online banking system for documentation, which there really isn't any after 6 months. 
Please address this issue, I am a business owner, and about to change ALL my correspondence back to paper copies and forget online banking.
Product: Vehicle loan or lease

there was a class action suit against Wells Fargo for over charging on auto loans from XXXX thru XXXX and my loan was from XXXX and is still in effect. I am trying to see if my account was effected by their actions
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding zelle handling and dispute in light of recent CFPB lawsuit highlighting significant issues with the platform despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasable the cfpb finding indicates that zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams this lack accountability and transparency is unacceptable and raises serious concern about consumers safety
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I tried to sign into The Work Number to view my credit report. On XX/XX/XXXX, I called and got help creating account since it wasn't working the day before. We got further, but upon logging in, I now get a XXXX error no matter the browser or computer I use. The rep I spoke to said he'd get it over to his IT team and that they would probably " have it resolved today, but definitely tomorrow '' and that this was a " common '' error. That afternoon I followed the instructions to get the report by email. On XX/XX/XXXX, I got an email from XXXX that my ticket was being closed, but it was unclear what it was in reference to, or what had been solved. As far as I can tell, they did nothing. On XX/XX/XXXX, I sent another email asking about a report over email, and I tried logging in as well and still get the same XXXX error.
Product: Mortgage

My primary bank is in XXXX  ( direct deposit of XXXX  ). For over a XXXX XXXX XXXX XXXX I have been transferring money to my local bank, Ameris Bank to pay my mortgage here in XXXX. 

Approximately 6 months ago Ameris up and decided they couldnt trust our bank in XXXX  and stopped accepting transfers. Additionally Ameris put our account on restriction where they would only accept certified payments. Forcing us to pay via mailing certified checks to Ameris bank. Ameris went on to lose several of our certified checks. My XXXX XXXX dropped XXXX points because Ameris reported we had not paid several of our mortgage payments. Ameris refused to talk with me about the problem and demanded I send new checks for the missing months. 

I filled a complaint with the XXXX  and suddenly ameris found the missing checks and returned my score back to what it had been. Although I recently learned my XXXX  XXXX XXXX still reflects all the missed payments. 
Now, less than 6 months after the first fiasco Ameris has again reported I am missing mortgage payments even though my online account with Ameris says Im current. My XXXX XXXX got updated XXXX days ago saying XXXX over 60 days late on my XXXX payment even though I have proof of payment and my mobile app says Ive paid them. 

I found out Ameris has been sending my personal info to my old address in XXXX. I attempted to change my address online and over the phone but they only allow the change via mail. I have mailed the form several times but somehow it seems to disappear, just like my checks. 

Earlier today my wife got a call saying Ameris received an envelope with XXXX and XXXX payments enclosed. ( Which we mailed in XXXX to miss any late fees for XXXX as we were on vacation. ) They refused to deposite XXXX check and claimed it need to be mailed in its own envelope. They are demanding a new check, even though its a cashiers check and that money is already out of my account. 

Im hoping CFPB can help me restore my XXXX XXXX, get my mailing address changed and get online banking privileges restored so these problems will stop happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing methods of verification for a bankruptcy listed on my XXXX report. After calling several times over the past few months and sending dispute letters, I recently spoke with an employee named XXXX from XXXX at XXXX XXXX on XX/XX/23 who stated verbatim there is No way to verify information in your file. I proceeded with my dispute since he confirmed XXXX does not and has not verified information in my file. XXXX sent a response in the mail stating they did not verify the item in my file with the original furnisher of the information but XXXX believes it is not obligated to FCRA regulations for removal of a record if it can not be verified. Thus, I am demanding this item be removed since it has not been verified with the original furnisher by XXXX.
Product: Money transfer, virtual currency, or money service

Robinhood company I purchased XXXX XXXX was held up in court Sec they released the money and owed extra coins to send me but didnt and took {$200.00} in fees and owes me money when I got my money back
Product: Mortgage

Dear Sir or Madam Under 1024.36 Requests for Information, I am hereby writing to you to request specific itemized recorded information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, transactions, actions, payments, analyses and records related to the servicing of my loan of attorney fees as it relates to XXXX XXXX XXXX XXXX. 

I am disputing the validity of the corporate advance debt you claim that is owed for attorney fees. To independently validate this debt, I need an itemized breakdown of the services performed linked to the monies disbursed ( see attachment ) XX/XX/XXXX to XX/XX/XXXX. 

I also request that you conduct your own investigation and audit of XXXX XXXX and XXXX XXXX account whether the attorney fees has been deemed reasonable based on the services rendered. I need to ensure that the attorney fees disbursed to XXXX XXXX XXXX XXXX in the amount of {$11.00}, XXXX based on the work performed is accurate to the XXXX. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account of monies disbursed or provide justifiable information or itemized breakdown of the services performed. 

I want to ensure that the fees charged were for actual services performed or rendered. As such, please treat this letter as a Request for Information under 12 CFR Part 1024 ( Regulation X ) 1024.36. A servicer must comply with the requirements of paragraph ( d ) ( 1 ) of this section : for requests for information, not later than 30 days and acknowledge receipt within five days to provide a written response acknowledging receipt of the information request. 

/s/ XXXX XXXX XXXX XXXX XXXX XXXX