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

On or about XX/XX/XXXX I filed a complaint against Amex for fraudulent hidden fees in connection with a 'Rewards Card '' issued by AMEX on behalf of XXXX . 

Without getting into the specifics of my original complaint, Amex agreed with CFPB to reverse the charges in the amount of {$13.00}. 

AMEX NEVER CORRESPONDED WITH ME TO ADVISE OF THEIR DECISION TO DO SO EVEN THOUGH, I NOW FIND THAT AMEX SENT AN ELECTRONIC FACSIMILE OF A LETTER ADDRESSED TO ME TO THE CFPB. 

I was unaware of the AMEX letter until just recently. I now have it. 

I went to use the card today, only to find that they have once again started the assess monthly fees. Fees were assessed on XX/XX/XXXX and XX/XX/XXXX beginning only days after they advised CFPB that they were reversing the charged. 

The letter says " we recommend using the balance of the card '' but fails to say that fees would be assessed even BEFORE I WAS AWARE OF THE FEE REVESAL Had American Express sent the letter to me in the mail for the price of a stamp, I would know that AMEX had taken action. 

Had American Express said in their XX/XX/XXXX letter ( which I now have from CFPB ) that fees would commence again in ONE WEEK, I would have immediately used the card It is apparent, from their lack of direct correspondence with me, that their end game was to just continue to assess fees of {$2.00} a month and once again XXXX out the balance and pocket the money. 

How dishonest can one company be?

To tell the CFPB ( not me ) that they were providing compensation, and then start, within seven ( 7 ) days of their notice, assessing fees once again. 

This is unconscionable and ought to be punished as a matter of law.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX  XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX  - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Delete this account. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.

5. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

12. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX XXXX Account Number XXXX XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will : -tinate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account Number XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute
Product: Prepaid card

I received a {$70.00} prepaid visa debit card by prepaiddigitalsolutionsXXXX but I was unable to use the card ( transaction declined, website asking me to contact customer service ). 

I called XXXX printed on the card, was told my card was blocked for security reasons, and they refused to remove the security block unless I provide information that was never used in opening the account.
Product: Credit card

I received a late fee from a credit card company without realizing it. I called to take care of the fee, as that was all that was remaining of my outstanding balance. By the time I called to pay the fee, the company had already accrued more fees for nonpayment of my balance, which, again, was only the late fee. The person I spoke with was very nice and said that she would remove the other fees on my account if I paid the original fee that day over the phone. I did just that. This week I received a phone call indicating I now had a balance on this card of over {$70.00} - all fees as I had not made any purchases since my call to pay my fee. It appears the person I spoke to did not clear my fees as she had told me, and the company gave me additional fees. I have tried to explain this to the company, but with no luck, and I ended up just paying additional fees. I believe the practice of charging fees upon a balance that is only made up of fees is unfair and not right.
Product: Mortgage

XX/XX/XXXX XXXX  billion criminal and civil investigations into sales and illegal activity XX/XX/XXXX XXXX billion improper mortgage lending practices XX/XX/XXXX XXXX million failed to send homeowners required notification XX/XX/XXXX failure to pay homeowners damage XX/XX/XXXX XXXX billion for illegal activity The memo from title company, Wells Fargo, to the closing agent, Wells Fargo, detailing how to quickly close loan. Both Wells Fargo companies. 
XXXX began receiving unpaid taxes from Wells Fargo. The sellers knowingly and willingly signed a binding legal document, they knowingly and willingly lied about owing XXXX property taxes. That were actually sold due to non payment. The seller and buyer had to have knowledge of the unpaid taxes. The illegal activity and pressure and blatant fraud from Wells Fargo and the previous owners, make the contract null and void!
Product: Vehicle loan or lease

I took delivery of a XXXX XXXX XXXX in XX/XX/2022, in XXXX On XXXX, due to work related reasons I had to relocate to XXXX On XX/XX/XXXX I have asked Tesla for the Title of the vehicle so I could register the vehicle in XXXX as requested by Law. I had to do the same process for my other vehicle, from a different Auto maker and I received the docs in one week and was able to register the vehicle. With Tesla, 7 weeks later and they continue saying they are still producing a title, and I now I can not register the vehicle, therefore I cant get Insurance and drive the vehicle, so I have a product that I cant use but am being required to pay the lease.
Product: Checking or savings account

I have a bank account with U.S. Bank. I have made payments to companies where I tell them it is a " one time payment only '' and not recurring, etc. I have called US Bank to tell them not to let the charges go through. They tell me that they are doing a stop payment or that they will not let this happen and they do it over and over. They are letting everything go through on my accounts causing a great amount of overdraft fees. I now have to miss a wedding due to a XXXX overdraft fee on a XXXX charge. I have been assured in the past that this would not happen and it does over and over. I feel like they are doing this to obtain fees out of me and thousands of over customers. I am tired of fighting things and the bank not listening to me. They love to overdraft my account or forst post items to overdraw me. I feel that there are banking violations taking place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not updating payment history for XXXX XXXX XXXX XXXX Credit Card. Account is visible and active, just no payment history from this bureau. Opened the credit card in XXXX through current, no history available through Equifax. Spoke with customer service at XXXX XXXX on XX/XX/XXXX, they indicated they report complete information and history to all credit bureau 's.
Product: Debt collection

I disputed a collection acct that was placed in my credit file on XXXX XX/XX/XXXX. I disputed it immediately because the collection company never notified me of this debt after speaking with them on XXXX XXXX XXXX XXXX  they told me I must pay the account for them to delete it. The original creditor XXXX cable owed me money. I never owed XXXX because they were overpaid. I had close the account and canceled services. XX/XX/XXXX were still taking payments out of my auto pay in XXXX and XX/XX/XXXX I demanded them to stop, they wait XXXX months and never picked up the equipment and then bill me for the equipment a total of {$1800.00}, I returned the equipment at a XXXX store of XXXX was given a receipt of return in XX/XX/XXXX. I was told at that point by XXXX customer service that my bill would be reduced to XXXX and I actually would be credited $ XXXX a payment that was not due to be paid, XXXX cleared XXXX bill down to XXXX and then subsequently that started billing me again even though I was not an account holder I discussed this with the collections company I systems who told me that if I paid it, they would remove it from my credit file and send a letter to delete I had disputed this with transunion via XXXX XXXX XXXX Transunion still has fraudulent debt listed in my file even though XXXX and XXXX deleted it, lowering my score from XXXX to XXXX currently, a violation of my credit rights, for listing innacurate information, I never owed this debt it was paid i. Full in XXXX They are required to not only investigated, but they are required to retrieve the information that was verified and send all of it to me, which theyve not done, they actually contacted. They wouldve known that the account was already paid off and settled. I am suing. XXXX and I filed a complaint with the attorney generals office in the state of Pennsylvania for having chased was never owed and Im filing for damages and damage the reputation of my otherwise pristine excellent credit. My prior score was XXXX and it dropped XXXX points because of this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX been paid off since XX/XX/2022 of last year and its still showing a balance of {$6500.00} when account is paid off and close out
Product: Debt collection

I am disputing a debt listed by Resurgent/LVNV Funding for {$640.00}. On Thursday, XX/XX/year>, at XXXX AM, I requested validation of the debt, including proper validation of an agreement from their company and verification of my address, from the agent I was speaking with. The collection agency refused to verify my address and instead stated they would send paperwork from the original creditor, which does not satisfy my request for proper validation of an agreement from their company. The agent also informed me that if the specific validation I requested was not included in the packet, I would have to write another letter to request it. When I asked them to confirm the address they would be sending the documents to, they refused to do so. Additionally, they stated that they could not provide any information about the alleged account in question. 

This conversation was recorded, and the agent was aware of being recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 


Hard inquiry XXXX XXXX hard inquiry XXXX XXXX HARD INQUIRY XXXX XXXXXXXX XXXX XXXXXXXX HARD INQUIRY XXXX XXXX  HARD INQUIRY XXXX XXXX Account XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX with XXXX XXXX has violated my rights. 

15 USC 168 Section 602 States I have the 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

PINNACLE CREDIT SERVICES I asked PINNACLE FOR for valiation and verification pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and PINNACLE CREDIT SERVICES is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( 6 ). PINNACLE has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want PINNACLE CREDIT to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) has successfully disputed this information because within five ( 5 ) days PINNACLE CREDIT SERVICES did not provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for PINNACLE CREDIT SERVICES. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants PINNACLE CREDIT SERVICES TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because PINNACLE CREDIT SERVICES says she owes them money and according to the LIBEL CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract on. 
PINNACLE CREDIT SERVICES is trying to extort funds from the Consumer without merit. I will make sure that this is known to everybody about this illegal act. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. Regards XXXX XXXX XXXX Consumer
Product: Mortgage

On XX/XX/2019 I contacted Amerisave to ask how long I had to be in my current FHA loan before I could refinance. I was told " 6 months. '' Told that representative I was at work and couldn't talk at the time. XXXX XXXX called me after XXXX MST to go over the requirements. She knew it was a current FHA loan but said " Its fine we can proceed. '' questions and " approval '' took hours and led into more communication on XX/XX/2019. She stated she'd worked out all of the numbers and that I'd just need to pay the Application fee. Once application was complete, my current lender reached out to me stating the whole application was invalid based on FHA 's strict guidelines that the loan had to be over 12 months old to apply for a refi. I then attempted to call XXXX XXXX, Amerisave and XXXX 's Manager.  No on was ever available to help again. I am just requesting my {$500.00} application fee be returned based on the fact that I proactively called asking about the guidelines to the " professionals '' who should have known the lending guidelines. I have no desire to work with this company in the future ever again and would just like my funds returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : REQUEST FOR REMOVAL OF INQUIRIES To Whom It May Concern : Section 609 [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], there should be no charge for this information. 

Please remove the following inquiries from my report I have no knowledge of these companies. 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I used the money transfer app XX/XX/XXXX to send a remittance overseas. Upon completion of the transfer, the money was debited from my account and I received amessage stating the transfer was in progress. After 45 minutes, my account to send transfer was closed and no further expalantion was given. My transfer now shows as pending cancellation. After speaking with a customer service agent, they stated a refund would be given but could not specify a date. The company has not answered my request for further information on why my account was closed and stated they would hold my information for 6 years.
Product: Debt collection

My issue was I 'm trying to get financing loan for down payment purchase.thats why I try a lot of options like apply credit card but I do n't get.my story was last year and connected to bank and third party that have connection to make account on my name, apply loans, open credit card and mortgage etc.I dispute some not everything! as I know it 's not a single or one person because in my observations got connected to do so! I can tell the name if we need.
Product: Student loan

My doctor signed a form classifying me XXXX incapable of working around XX/XX/XXXX, this is why my job the Veterans Medical Center ( VA ) where I worked retired me and pays me annuity for XXXX incapable of working. Then the same XXXX form was given to the Social Security Administration and social security pays me for being XXXX. I mailed these forms to Department of education and they still took money out of my check 10 years ago. Department of education ask for another form from my doctor and I had my doctor sign the form stating I am permanently XXXX incapable of working and mailed it to them again. I have had XXXX different doctors sign forms for XXXX and I have mailed them in and the department of education still takes money out my check. I am trying to upload you papers. I mailed NELNET hardship forms also and I have emailed NELNET forms signed by my doctor permanently disable as recently signed XX/XX/XXXX. Yet they still take money out of my check. I want all my money back from the last 10 years, I have records of all of it. I mailed the Department of education and NELNET numerous signed doctors forms stating I XXXX, Social Security Administration pays me because I gave them a doctors form stating I am XXXX and the VA pays me a XXXX annuity ( my own job ) and they still take my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I found out there is an account that does not belong to me. I never applied nor agreed to terms with this XXXX company. I contacted them about this information. I had just purchase my home, and started receiving forwarded mail from an address Im not associated with for a bill from XXXX. I do not own this account nor did I agree to any terms with this company