23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally request CFPB hold Amex accountable for misleading me to enroll in American Express XXXX XXXX. My mother died and I was emotionally distraught due to the weight of my mothers death and her financial burden that required me to manage and sell her property and resolve her debts. I contact Amex and the told the agent I was having difficulty with my current payment due but will be back on track soon he offered only one option not clarifying the risk to me as a means of relief. I was offered only 1 option even though I have had a excellent payment history for over 10 years and was mislead to believe the relief program would be temporary once I became current. I was mislead and full disclosure of the risk was not provided and led to beleive the 48 month program was just for allowing me to be current. Instead Amex offered an inappropriate product that required me to change my account into a loan and pay off the entire debt in 48 months. I requested to be immediately withdrawal from the XXXX XXXX XXXX due to insufficient disclosure of its terms and conditions. Specifically, the requirement to maintain a XXXX balance to exit the program was neither fully explained nor assured at the time of my enrollment. Additionally, I never received a written copy of the agreement, further limiting my ability to make an informed decision about participating in the program. 
These omissions have caused significant challenges in managing my account, including reported missed payments and other adverse effects. Continuing in the program under these conditions is untenable.

I respectfully request the following : 1. Immediate withdrawal from the XXXX XXXX XXXX. 
XXXX. Restoration of my account to its standard terms and conditions as outlined in the original Cardmember Agreement.

In addition Amex has been double charging me, and reporting my payments are late. I contacted Amex and they were insensitve and rude. 

During the call made the representative in customer service was indifferent and cared little to offer solutions to support me as a customer further exacerbating the issue. I followed up and filed a complaint with dept that manages this agreement but overall no one has provided the ability to resolve this issue adequately.
Product: Credit card or prepaid card

I have a Washington Employment Security XXXX  Prepaid account. On XX/XX/2020 at or around XXXX I logged on to my online account and found transactions that were dated XX/XX/2020 as follows : Funding Transactions ADD FUNDS - ACH  FED Card No Amount IDES  CARD PAYMENTS XXXX {$740.00} Card Transactions MC  PURCHASE Card No Amount XXXX.XXXX  XXXX, XXXX - {$110.00} XXXX Fee Transactions XXXX   XXXX XXXX XXXX Card No Amount XXXX XXXX, XXXX - {$3.00} XXXX I quickly investigated ( online search ) and found out the funding source was the Illinois Department of Employment Security , the transaction is a XXXX women  's online clothing store and the subsequent international fee. 
I called my bank I was on hold for more than an hour to no avail. During my hold I refreshed my logon and the transactions were gone. The card number for the transactions as never been held by me I still have my original card from years ago. Also I have yet to see my funds deposited today as the are normally available every Thursday.
Product: Mortgage

I started my loan application with XXXX about 2 weeks ago. After putting a rate review on there website I received a call from XXXX XXXX XXXX. The reason I went to their listing was because they were boosting a XXXX closing cost refi for my situation. After speaking with XXXX he assured me that it was indeed a zero closing cost loan. All I would have to pay was for the appraisal {$450.00} and have money at closing to cover my escrow for the year. After 2 weeks of sending the required paperwork in, they then notify me that I would have to bring {$2800.00} to closing. This includes my escrow and which is right around {$1000.00}. So they are hitting me with {$1800.00} with fees after their site and XXXX said there would be none. In my eyes this is the definition of bait and switch. Since locking in my rate the rates have gone up so if I were to go with another lender I would not get the 3.25 % rate on my 15 year loan. So not am was I charged for an appraisal that is squandered if I do not continue and pay their fees that they did not disclose and assured me I would not be paying, it will cost me thousands in the long run if I do not pay up ...
Product: Debt collection

I tried to get all credit bureau to get this collection agency to verify that I owe the debt multiple times, by having this collection agency mail proof that I owe this debt, and more importantly document showing that they have the right to collect on this debt. Instead they continue to come back with a resolution that they have verified the information as correct on my credit profile. And received a letter from agency offering a discount to settle sent home but no verification. However no proof from such collection agencies that I owe this debt are being provided. I would like a hard copy to be mailed out to my address from those agencies showing proof. Those collection agencies must show evidence of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is their authorization of law for their collection of information? What is their authorization of law for of their collection of this alleged debt? Please evidence their authorization to do business or operate in the state of New York. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Until these validation is shown and complete, I will be seeking proof of such debts from collection agencies. 

Attached is a copy of the last letter received from collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with the CFPB because I was wrongfully and and inaccurately reported to the credit bureaus. I am in utter disgust and I feel as if the company I put my trust into and failed me and its effecting my livelihood by reporting false information. As far back as XX/XX/XXXX up until today XX/XX/XXXX I have called the Capital One numerous times about how the Covid-19 and how this pandemic has hurt me and my family tremendously Ive called and spoke with various different representatives explaining to them that Im in a financial hardship and I was told that they understand and would not be reporting negative information on my credit report. Im not currently working just like millions of people around the country and for a trillion dollar company to continue to lie and give me misleading information it truly does hurt. As of today my credit report is reflecting 60 days late yet the only correct information Ive received and action that was taken was a past due fee being removed. Ive filed a complaint and even went as far as an investigation and still have received different false information regarding Capital One still reporting negative information to my credit report. Every single customer service representative gave different information.
Product: Credit card

My account closed a while back but I still owed a balance, which I have been makin payments on it and eventually paid it off. As I was making payments they would charge excessive interest rates after I would make a payment and when I would call and ask why they wouldnt give me a good explanation why
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN MY INFORMATION WAS USE TO OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NMAE WITH MY SSN AND MY PHOTO ID
Product: Checking or savings account

This complaint is due to me being a victim of an unauthorized money wire transfer. A money transfer to place on XX/XX/2022. Money was taken from my Citibank savings account, moved to my checking account and withdrawn from my account, this happened in two transactions which equally {$14000.00}. This happened without my knowledge or agreement. It was completely unauthorized by me or my daughter who is also on the account. An investigation was initially completed and Citibank cited that they were not going to return the money that they failed unlawfully protect and released. I am being victimized again. Citibank has taken no accountability for what they permitted t happen against me and I am being penalized for it. This wrong doing has uprooted my life and has left me unable to pay my bills. I am praying that something can be done as soon as possible and my money can be returned to me.
Product: Credit reporting or other personal consumer reports

I am writing you with this formal protestation versus claim ( s ) made and a call for prompt action ( s ) on your part. 

You are inappropriately reporting improperly to XXXX, XXXX, and damaging my credit. You are behaving dishonorably in considerations of the FCRA, aka the Fair Credit Reporting Act. The violations could conceivably be subject to fines and damages. 

I am providing you with but this one last chance for suitability regarding this alleged credit circumstance. 

Previously, I had sent you a letter advising you that you were inaccurately reporting. Additionally, in that request, I did indeed assert your necessary requisites to ensure only compliant information is retained on my file. 

Due to your now obvious continued misreporting ( s ), albeit unfair and/or surely unethically non-compliant, it seems that my mailed notice was disappointingly neglected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, all three credit bureau and XXXX XXXX, I have received a notice from the collection firm XXXX XXXX ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under XXXX XXXX and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof.
Product: Debt collection

Midwest Recovery Systems out of Oklahoma, has contacted me by phone numerous times trying to collect a debt from XX/XX/XXXX for a payday loan I supposedly took out from XXXX XXXX XXXX I have asked Midwest Recovery each time they have called to provide a written statement with the debt information to be mailed to my current address. They refuse, argue, threaten litigation, and then finally hang up on me when I don't pay the debt over the phone. It happened again today, XX/XX/XXXX. 

Earlier today, I called the number they left on my voicemail and spoke to their representative, XXXX. XXXX XXXX. After she hung up on me, I looked up Midwest Recovery Systems on the web and found numerous complaints and scam notices against them. I then called the CFPB and received instructions for filing this complaint. After speaking with the CFPB representative, I tried to call Midwest back, and now can not get an answer. 

Midwest Recovery Systems seems to have very shady business practices, and too many scam alerts against them for me to ever pay them money over the phone. Especially when they do not provide any proof of my debt. They also use threats of legal action against me to try and get me to pay them over the phone. 

They have called me at least 3 times in this manor over the last 6 months. I'm not even sure I actually owe this debt, and now Midwest Recovery has reported it negatively on my credit reports. How can they do that, when they refuse repeated requests by me to provide written proof?
Product: Credit card

I can create e-mailable attachments for all I represent below : I received an offer from Citibank regarding a balance transfer offer. There are XXXX sheets, a promotional page designed to encourage me to take the offer and another page which are balance transfer checks with a bridging perforated piece of the sheet to tear them out from, and on that page there is a different fee than on the biggest print letters in the top portion of the first page. 

The particulars are this : A fixed date in XXXX 2017 the offer reverts [ thus, the longer I am made to wait for a response, the incrementally less the offer is worth pursuing ] for 0 % for the life of the transfer for an up-front fee. On the largest font print on the top of the form in a distinctive color it says the standard fee is 3 %. On the fine print part of the XXXX page the rate says that for this offer the rate is 4 %. 
I have received these offers for months with different particulars ; however the immediately previous offer in fact was for the standard 3 % rate and that part of each offer page is identical in all cases. [ I receive these roughly monthly and so does my wife ; I have to believe thousands of others do as well. ] I pointed the discrepancy out to a Citi customer service phone center supervisor, who agreed with me in principle that I deserved the 3 % rate, but I needed to FAX the forms in so they could review it ; I complied, and was told I would get a snail-mail response, which I did. It is merely a likely form letter that just states the offer is 3 % and really does n't address the issue of the unreconcilable statements on the XXXX pages in each mailing. 

Thus, I have physical documentation of their position, and my position is that this is false advertising. Thus, I am here writing to you for help.
Product: Money transfer, virtual currency, or money service

I was scammed of {$3.00} yesterday night, through XXXX on a business call XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to access my transunion free annual report I have no access to it. Their website kept saying access not available since XX/XX/2024. I have tried to get this resolved since XX/XX/2024. My social security number is XXXX My name is XXXX XXXX XXXX. It is the law to provide a federal consumer their annual report. I am required to gain access to my credit report weekly and Im being denied that access.
Product: Credit reporting or other personal consumer reports

*In accordance with the fair credit reporting act convergent account these XXXX accounts have violated my rights to privacy Account Information 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 XX/XX/XXXX 15 u.s.c 1681 section XXXX A. states i have the rights to privacy 15 u.s.c 1681 section XXXX A. section XXXX it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My state and all federal laws of reporting REQUIRE that any derogatory consumer data, TRUE OR NOT, be not only verifiably valid in its reality of being BUT MORE EVEN physically verifiable and validated as to its DOCUMENTED perfection and completion of COMPLIANCE of reporting. Of note, MINIMAL reporting standards are universally applicable and include at least the FCRA (if applies), FDCPA (if applies),HIPAA PR (if applies), and the certified correct and complete Metro 2 format reporting compliance (ALWAYS APPLIES). To date ,I have received NO irrefutable evidence in support of claims and as such I rebut it’s status as lawfully bidding and demand claim eradicated and foreverly extinguished. COMPLIANCE is a MANDATORY condition of reporting, it is NOT OPTIONAL.  I given TRANSUNION the opputunity to correct this error by sending them a request to certify this item on the following dates with no resolution:XX/XX/XXXXXX/XX/XXXX

XX/XX/XXXX
XX/XX/XXXX

XX/XX/XXXX

XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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, CAXXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX  XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$220.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I purchased a vehicle at online insurance auction XXXXXXXX and my vehicle was never delivered after I filed dispute with my bank chime Since that dispute they closed my account for no reasoning around XX/XX/XXXX. XXXX states they suspended my account {$860.00} and require immediate funds replacement due to charge back. And my social security deposit {$940.00} the agent states it was processed in that chime account. Total of {$1800.00}. Chime has been provided copy after copy of social security card front back and selfie holding my id, but avoid any further replies. This is wrong. There was no reason to close account first but where's my money
Product: Credit reporting or other personal consumer reports

Hello, I was reviewing my ChexSystems report for accuracy and noticed some inquiries and an address that I do not recognize. I have not given anyone permission to apply for accounts in my name and did not authorize these companies to access my report. I am also filing this CFPB complaint to request that ChexSystems, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), block the fraudulent information on my credit report resulting from identity theft. This action must be completed within 4 business days of receiving this complaint, as required by the law. Please remove these inquiries listed below immediately. 

FRAUDULENT ADDRESS - 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
Product: Credit reporting or other personal consumer reports

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

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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX I # 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.