23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX XXXX, I received XXXX American Express ( Amex ) credit cards : Blue CASH and Blue Cash REBATE. I charged {$220.00} to the REBATE card. 

In XXXX XXXX, I found out that the REBATE card had an annual fee, so I cancelled it and arranged for the {$220.00} to be transferred to the CASH account. 

My next Amex statement was for {$220.00} to the REBATE account. I paid off that account on XXXX XXXX, XXXX. 

Amex notified me in XXXX XXXX that the CASH account had an outstanding balance of {$220.00}. I explained that I had made that payment to the cancelled REBATE account. I sent a proof of payment for Amex to conduct an investigation. I would not be able to use that card during the investigation. 

Amex called in XXXX XXXX ; the customer service person said " everything is fine, and you may use your CASH card again. '' I made a charge in XXXX XXXX. Then I was again notified in XXXX XXXX that there was an outstanding balance of {$220.00}. I sent another proof of payment, and they were to conduct another investigation. 

I received several robocalls In XXXX and XXXX XXXX demanding payment for a balance over {$300.00}, the original {$220.00} plus late fees and interest. I called Amex to remind them that my account was being investigated for the lost payment I 'd made in XXXX XXXX, and was told the investigation was ongoing. In XXXX XXXX, my CASH credit card was cancelled by American Express. 

In XXXX XXXX, I received a check from Amex for {$220.00}. Experian notified me via email that my credit rating was hit with a XXXX-point subtraction from Amex. In XXXX XXXX, I received a demand for payment of over {$400.00} ( balance due + late fees + interest ) with the threat of sending the account to a collection agency if I do n't pay that amount by XXXX XXXX, XXXX. 

In addition, in XXXX XXXX I discovered that I had paid over {$700.00} more than the balance due for a previous Amex credit card account. Amex called and opened a new credit card for me, promising that a check for the overpayment was " in the mail. '' I never received that refund due. 

I am beyond frustrated. I have written and called about that the {$770.00} credit due to me ; they deny even knowing about that account I had ( I have the account number and have provided it to them, but with no response ). 

Please help me to communicate with Amex about this untenable situation. I am willing to sue if necessary. 

I will need help in recovering the documentation for the {$770.00} overpayment. I got the account number and amount from my XXXX credit report online, but did not copy the entire report. I have not yet tried to retrieve those proof of payment documents, but plan to do so today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed this inaccurate account multiple times in XXXX, and I see now XX/XX/XXXX this account has update and modified itself after my XX/XX/XXXX dispute, which still did not address the inaccuracies! The XXXX  account is violating : 1 ) 15 U.S.C 16801 accuracy and fairness of credit reporting 2 ) 623 5 ( a ) duty to provide notice of delinquency of accounts- that it is to be reported to the agency of the date of alleged delinquency on the account, which shall be the MONTH AND YEAR ; not continue to report over and over for however long or up until 7 years!

3 ) 15 U.S.C 6801 protection of nonpublic personal information, the financial institution are suppose to protect my personal information, not give it out without my permission 4 ) 15 USC 6802 obligations with respect to disclosing information, 3 disclosures forms were never given to me 5 ) The Heros Act Section 110401 has also be violated, during COVID-19 consumer reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge. Also, XXXX XXXX tried to resolve this issue as well but was unsuccessful with Experian. Experian recently responded that the inquiries would have been removed ( The ones that was disputed ) As I stated before these were unauthorized. 

EXPERIAN BUSINESS CRED Inquiry Date : XX/XX/2020 This was removed and recently popped back up on my credit report.
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed the Public records items on my TransUnion report, and this issue has been ongoing since XX/XX/2023. 

In my TransUnion credit report, several inaccurate Public Record items were listed that do not align with official records from XXXX XXXX XXXX XXXX XXXX or the United States XXXX  XXXX documents. Despite XXXX claim of obtaining this information from a third-party vendor, the details they reported are inconsistent and incorrect. In other words, TransUnion is not even reporting as with what the third party vendor is reporting-because XXXX XXXX XXXX XXXX has NO RECORD of SUCH CLAIM. Based on factual information, the XXXX XXXX Name is incorrectly reporting and the XXXX  Address is incorrect-therefore these items should be deleted. Additionally, TransUnion Reports a case number that does not belong to me. This item should be delted. 

This is what TransUnion Reports : 1. XXXX XXXX Name : TransUnion listed the court as XXXX XXXX XXXX Indiana, a non-existent entity in the U.S. judicial system. The correct name, per official documentation, is United States XXXX  XXXX, XXXX XXXX XXXX Indiana. 

2. Court Address : TransUnion inaccurately listed the court address as XXXX XXXX XXXX XXXX, XXXX, IN XXXX, omitting the full and correct address XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, IN XXXX. 


I am requesting the immediate deletion of these incorrect items to prevent further damage. I have provided supporting documentation that substantiates these claims and demonstrates the need for correction. Thank you for your attention to this issue.
Product: Credit card

I have had a Macy 's credit card for over 10 years but have not actually used in about 7 years. I have set up automatic bill pay and when checking the account today I found that I have been charged from a company called XXXX XXXX-credit life insurance, $ XXXX- {$6.00} a month for years!! I never gave my consent to add this program and was never notified it was being added! I am attempting to have my money refunded for the years of paying this fee.
Product: Money transfer, virtual currency, or money service

I sold an item on XXXX for {$790.00}. Buyer of the item immediately upon winning the auction ( which ended on XX/XX/XXXX ) made a payment via PayPal, XXXX 's proprietary payment system. Item was shipped out the following day and received three days later. Buyer confirmed to XXXX and to myself that item had been received in good order. Paypal, however, immediately upon receiving funds, frozen said funds, with no recourse, for a duration of " 21 days ''. Buyer called XXXX and reported that item was as described. I personally have a history with XXXX ( as both a buyer and a seller ) that dates back to the infancy of the web site, without a single complaint. Paypal indicated that " a tracking number '' would facilitate the release of funds, but without it the funds would not be released before aforementioned 21 days ( with no indication of whether those are calendar or business days ).  Reported issue to Paypal 's helpdesk, which responded with an automated Email asking me to follow a variety of steps clicking a long series of menus and options that simply did not exist ( perhaps they referred to an earlier version of the system ). Multiple conversations with the helpdesk were unhelpful. Eventually, a conversation with a manager directly contradicted her subordinate and indicated that once item had been marked " received '', which requires approval by both sender and recipient, the funds would be released by today. Funds are still frozen and still can not be retrieved. I placed a call to the helpdesk, again, and have not as of yet been called back. Today is XX/XX/XXXX. There seems to be no recourse to get those funds back. The buyer acted in good faith. At no point was there any indication that such a process existed prior to the payment being made -- Paypal is effectively holding funds hostage with no recourse and no end in sight.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Prepaid card

Received {$300.00} American Express gift card as gift. It is impossible to use in any online or brick and mortar retailer. It is rejected as a payment method each time.
Product: Mortgage

I notice that my mortgage insurance had increased which increases my monthly payment. 

I call USAA and ask them what the increase was for. The said that the state of FL approved an increase which make my monthly payments up over a {$100.00} more perm month. 
The representative went a over a number of options to see where I may be able to save on my homeowners insurance premiums. There was very much. I had to increase Other perils of my home in order to save {$200.00} a year. 

Under personal belonging they had that amount in stone to {$160.00}, and stated that it could not be modified. Before 2023 I was always able to determine the amount of Personal belonging I wanted covered. Now they tell me that amount is tied to state law. I believe they did that in order to keep me from lowering my personal belonging amount in order to increase my premiums. 

Other Structures they handled the same way. I can not make any changes from {$60000.00}. I believe that this is a way to get more money out the policy holder and charge higher premiums. 

I should have the right to claim what coverage i want for those items, which will lower my premiums.
Product: Credit card or prepaid card

I have a {$20000.00} credit limit with USAA for 11 years. All of the sudden they cut it to {$500.00}. Explanation, I didn't use it. 

I tried explaining that we had a family illness and were caught up managing health. Also, explained that I managed credit wisely never late and instead of wasting money and then filing for bankruptcy, I prudently utilized the available credit limit not to put their company 's money at risk of not paying back. 

Was tald I can apply for another card, I did and immediately got rejected, XX/XX/18, reason : '' Our decision to decline your request was based on the following reasons : Maximum Credit Limit Reached. '' But just yesterday, applied at XXXX for their XXXX and got instantly approved for a higher amount. 
How unethical for USAA to do a hard pull, when they in-house already pre-decided who gets what, just because. I view this as a discriminatory action. 

I have {$30000.00} XXXX XXXX and XXXX no problems. 

After USAA rejected me today, I closed *their* credit card.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian regarding their continued inaccurate reporting of my XXXX student loan account # XXXX, despite my repeated attempts to resolve this issue through disputes and corrections provided both by myself and XXXX. Experian is violating several sections of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) by failing to correct these inaccuracies. 

Specifically, Experian is in violation of : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5531 I have attached a copy of the original correspondence from XXXX, dated XX/XX/year>, which confirms the correct balance and payment status of the account, proving that Experians current reporting is inaccurate.
Product: Checking or savings account

On XX/XX/2023, I received a phone call from my bank saying spendings were being made in another state asking if I was in that state. Come to find out this phone call was not my bank and it was the hackers. My caller ID said it was Navy Federal. So they were able to access my account over the phone by impersonating Navy Fed. They took money as a fast cash advance from my Credit card, took money from my savings and checking and transferred {$4900.00} through my XXXX XXXX. I never approved it and and somehow went through. When I knew this was a fraudulent call was when the people asked me to transfer {$220.00} dollars through XXXX and when I questioned why am I approving that transaction they hung up. I then called Navy Fed to see what happened right after they hung up and my account was compromised. I changed all my information that night over the phone. Changed my checking and savings account and credit card information. Navy federal denied me to reimburse the XXXX $ after I proved all that it was not me approving anything all in the month of XXXX. Then the first week of XXXX they reimbursed me the XXXX $ and received a letter saying they will investigate everything. After a week of being reimbursed they took the money back out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Experian did not resolve a dispute that was suppose to be removed due to me being a victim of identity theft. No action was taken and the company did nothing to help.
Product: Debt collection

I am now represented by an attorney. JP morgan Chase should only contact my attorney in regard to the alleged debt
Product: Credit card or prepaid card

Bank Of America is the Company in question on XX/XX/20 I filed a dispute with Bank of America. I filed a claim with Bank of America the claim amount is {$8000.00} I have a balance of {$1600.00} Bank Of America froze my account It has been a nightmare ever since they froze my account such a hassle. I have yet to access my funds and for the reason that my account is frozen Bank Of America can not work on the initial claim.
Product: Checking or savings account

On XX/XX/2023 my friend XXXX XXXX transferred two sums of money to my Chase bank through XXXX one of which was XXXXXXXX XXXX and the other was XXXX XXXX. But Chase Bank suddenly froze my account, saying my friend had filed a dispute. My friend and I are both from Chase Bank. During this period, I also called, and the customer service told me that this case was closed. The {$2000.00} will still be in my account. But when I unlocked the Chase bank account, I found that the money was still in dispute on XX/XX/XXXX. But my friend never received a refund. She went to Chase Bank and kept saying she couldn't dispute the money. I went to Chase Bank XXXX XXXX MA ) five times and got a different answer each time. One moment I said that Chase Bank held the money, another moment I said that I had returned the money to my friend 's account on XXXX bank said that it had called me to confirm the money, and my reply was that the money should be returned to my friend, but I never received a call from the chase bank. Now this {$2000.00}, Chase bank said not to disclose customer service information, my friend went to Chase bank can not find this refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

USBK COURT XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX showing 3 not mine or known to me filed the ftc please correct also sent to XXXX XXXX public records to be removed XXXX XXXX  XXXX XXXX, XXXX remove address not mine
Product: Credit reporting or other personal consumer reports

I am writing to address a significant discrepancy regarding the reporting of a debt on my credit report. After reviewing the information provided by XXXX XXXX XXXX, it has come to my attention that the account in question, which was listed as opened on XX/XX/XXXX. Furthermore, the last payment received for this account was on XX/XX/XXXX. This discrepancy suggests that the debt has been inaccurately re-aged. 

As per the Fair Credit Reporting Act ( FCRA ) U.S. Codes, it is essential that information reported on a consumer 's credit report is accurate and reflects the true history of the account. Sections 1681s-2 and 1681c of the FCRA outline the responsibilities of furnishers of information and prohibit the reporting of outdated or inaccurate information, including the re-aging of debts.

Section 600.5807 of the Michigan Compiled Laws outlines the statute of limitations for various types of debt in Michigan. Here 's a breakdown : 1. **Contractual Debts** : For debts based on a written contract or agreement, such as loans or credit card debt, the statute of limitations is generally XXXX  years from the date the cause of action accrues. The cause of action accrues typically from the date of the last payment made on the account or the date of default, whichever is later.

2. **Open Accounts/Unwritten Contracts** : This section covers debts without a written contract, such as credit card debts where there's no signed agreement. The statute of limitations for these debts is also XXXX  years from the date of last payment or default.
Product: Debt collection

On XXXX/XXXX/XXXX I reviewed my credit report and saw a collection debt for : Diversified Consultants Inc XXXX in the amount of XXXX. I called the number and spoke with a person that told me I had a debt to XXXX XXXX with an account # XXXX. I stated I never had an account with XXXX XXXX. They instructed me to contact the fraud department at XXXX. I called the number and it was XXXX XXXX, I explained that I had never had an account with them and was instructed to call this number to report fraud. After speaking with a lady on the phone and her asking a lot of information I finally realized that she must be talking about another internet company. I told her I could not remember the name but it was XXXX something. I explained that I did live in XXXX and I had a man come out and promise me that I would have great service and it would be just like XXXX with fast internet. I did agree to have it installed, however after XXXX days it stopped working. I called customer service and the only thing they would tell me is I needed to pay more money for better service. I had explained that I was already promised to have good service. I ended up paying more money and then XXXX days later the service went out again. I called back and told them that I was cancelling service due to misrepresentation of the product sold. They told me to send the equipment back. The dates on the account are XXXX/XXXX/XXXX open XXXX/XXXX/XXXX closed. I explained all of this to the lady on the phone. She stated that they do have third party installers, but she was unable to verify if or who installed the service for me. She said that I could file a fraud complaint and that the only way I could get information is through the police department and that I owe XXXX. I told her that I would not pay that money to them and I did not owe XXXX XXXX any money and how could I have a bill in XXXX month for XXXX.
Product: Credit reporting or other personal consumer reports

The credit card from the creditor on my credit report named like XXXX  on my credit report on the XXXX, TransUnion and XXXX Refuse to close the account and report to the credit bureaus show the account close on the credit agencies Even though the account at my request to closed on XXXX and I contacted them and they said they couldn't do anything, that it wasn't their responsibility and that I should talk to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several attempts I've made to inform credit bureaus that I've been the victim of identity theft and that I want to check certain entries in my files that the fraud has left behind. The documents I'm looking at have nothing to do with any purchases of products or services or financial transactions that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ;XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was in XXXX XXXX which whom l have a cc with and issuing bank is a Synchrony Bank. I was in XXXX XXXX on XXXX and was offered a credit increase but was denied from XXXX credit bureau. XXXX days later l received a letter via email from Synchrony bank with my XXXX XXXX card stating they had pulled my credit report from XXXX and deceased my credit limit with XXXX cc. I immediately notified Synchrony Bank XXXX XXXX # XXXX ) asking why did they pull my credit report because it was unauthorized. XXXX filed a complaint and explained she didnt know why Synchrony Bank XXXX with the account being so new. In Synchrony Bank XXXX agreement page XXXX it only states they can increase/ decrease cc limit ONLY. They have violated my rights as a consumer via the CFPB rights 15 USC 1681b Permissible purposes of consumer reports. I did not authorize this report. Its damaged my fico score and denial of credit. Synchrony bank took upon themselves because l ask for a credit increase on XXXX and was denied to evaluate my other account with them and this is unlawful
Product: Credit card or prepaid card

On XX/XX/2019 I paid out what I was told was my balance on my 1st Bank of Omaha, {$8800.00}. My payments aren't due until the XXXX of each month. therefore I was " way ahead '' of payment due date. 3 days later I email the company on their web page asking the account be closed permanently. 1st Bank Omaha responded email on XX/XX/2019 informing me the account was closed. Come XX/XX/2019 I get an email from 1st Omaha informing me my account has a {$25.00} balance I am responsible for? I immediately call them. I spoke to the 1st rep who immediately informs me the bank " Does Not '' provide payout amount telephonically to customers, after I try to tell her my account is closed. I ask for a supervisor, who comes on line only to inform me that the {$25.00} balance is interest accured from the XX/XX/2019 to the date of when " THEY '' produced their next statement of XX/XX/2019. I explain on how I tried to get a pay-out from a rep before XX/XX/2019 to no avail, but she had told me the amount on line was amount due. I don't understand how I accrue interest on a closed account ( XX/XX/19 ) with XXXX balance? 1st Bank 's supervisor, simply tells me that if I want my account to dissapear, basically I just need to pay the amount. There was much more spoke, not enough room on page.