23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing a complaint regarding American Express ( Amex ) due to issues arising from a financial review process that began on XX/XX/year>. Amex requested my recent payslips and bank statements from XXXX XXXX XXXX, which I use to pay my Amex credit card bills. I downloaded these statements directly from XXXX online banking system and promptly uploaded them to Amexs secure portal, as requested. Later that day, an Amex representative confirmed that they had received all required documents and that they were acceptable for review by their back office team. 

However, on XX/XX/XXXX, I called Amex to follow up on the review status and was informed that my XXXX bank statements could not be verified, despite the initial confirmation on XX/XX/XXXX. I re-uploaded the original XXXX documents, but Amexs system still failed to verify them, creating confusion and causing unnecessary delays. This inconsistency between initial acceptance and later rejection was frustrating and difficult to understand. 

Additionally, I am unclear why Amex placed me under financial review and suspended all of my credit cards during this time. The reason provided seemed to involve doubts about my ownership of the XXXX account I use to pay my Amex bills. However, I am the sole owner of this XXXX account, and the bank statements I submitted clearly indicate this ownership. Despite this, my Amex credit card accounts were suspended, and I was asked to undergo an extensive verification process. 

To resolve the verification issue, I participated in a three-way call with both Amex and XXXX to facilitate the process. However, both institutions required me to contact them directly for identity verification, creating a conflicting situation : each institution insisted on direct contact from me alone, making it impossible to complete the verification. Amex then requested a bank letter from XXXX to confirm my account ownership. Since I reside in New York and all XXXX branches are located in XXXX XXXX, California, obtaining such a letter in person was unfeasible. 

As a result, Amex has now informed me they will suspend payments from my XXXX account to my Amex credit card due to the inability to verify my bank statements. This has been an extremely frustrating experience, and the conflicting requirements between Amex and XXXX have made it unnecessarily challenging to complete the process.
Product: Payday loan, title loan, personal loan, or advance loan

I am an XXXX XXXX Military member. I have recently learned about the Service Member Civil Relief act. It had been unknown to me for quite some time. I submitted my most current XXXX XXXX orders to Wells Fargo over a secured line on XX/XX/XXXX. They have not updated the current intrest rate. I also have a Credit Card with them that they have not adjusted either. i have been on XXXX XXXX since XXXX. If I would have known about this then i would have submitted my paperwork earlier.
Product: Payday loan, title loan, or personal loan

Collections manager came out and gave loan information to family member without my consent as well as showing court paperwork to them while i was asleep.
Product: Money transfer, virtual currency, or money service

XXXX XXXX sent the amount of {$1000.00} to XXXX XXXX on XX/XX/2018 through XXXX XXXX XXXX  ( XXXX ). Immediately, Mr. XXXX received a text message from his XXXX  XXXX XXXX account confirming the account will be credited with confirmation number is XXXX. Furthermore, Mrs. XXXX XXXX account reflects the {$1000.00} has been successfully transferred, however, the transferred amount never arrived in Mr. XXXX account. Upon further investigation with XXXX XXXX, we found that another individual had registered Mr. XXXX phone number and linked it to his bank account. Mr. XXXX states he never authorized this. Mrs. XXXX filed a claim for reimbursement, XXXX XXXX confirmation number : XXXX and XXXX confirmation number : XXXX, on XX/XX/2018, however, XXXX XXXX denied the claim on XX/XX/2018 stating they are not at fault. 

I vehemently believe that XXXX is liable and is fully responsible for the amount being sent to someone else 's account.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9700.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$1100.00}
Product: Prepaid card

I have a Prepaid Visa Debit Card from Blackhawk Engagement Solutions, that Expired in XXXX 2016. The card still has a positive balance of {$7.00}. I contacted the merchant and they wanted to charge me $ XXXX to re-issue another card. 
The Visa Card Number is : XXXX. 
Valid thru : XX/XX/2016 CVC Code : XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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: Checking or savings account

Bank of America closed my account 6 months go and still has not sent the check with the outstanding balance that was in my account at the moment the chose to close it. 

I would like CFPB to advice me and tell me for how long can the bank hold my funds without providing any justification for it.
Product: Debt collection

in XXXX of XXXX an auto loan was obtain in my name without my permission. i gave no one permission to open this account or any other account I have listed. also, in XXXX of XXXX a cell phone was obtain in my name without permission. I need these accounts removed from my credit immediately for it has affected my credit for years. Thank You for your time.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against the credit bureaus ( XXXX, XXXX, EQUIFAX ) regarding their handling of inaccurate information on my credit report, despite multiple attempts on my part to rectify the situation. Additionally, I have reason to believe that my personal information, including my Social Security Number ( SSN ), has been compromised, leading to fraudulent accounts being opened in my name.

Over the past several months, I have diligently attempted to address discrepancies on my credit report with the credit bureaus. Despite my efforts, the incorrect information persists, adversely affecting my creditworthiness and financial standing. Furthermore, upon discovering the fraudulent activity, I promptly filed a Federal Trade Commission ( FTC ) Fraud Affidavit to document the unauthorized use of my personal information.

One specific instance involves an account listed as in collections by the XXXX XXXX XXXX. Upon requesting debt validation, XXXX XXXX has confirmed that they have no record of such an account associated with my name or SSN. This discrepancy clearly indicates fraudulent activity, yet the credit bureaus have failed to take appropriate action to remove the erroneous information from my credit file.

As a consumer protected under the Consumer Financial Protection Act ( CFPA ), I am demanding that the collection item be promptly removed from my credit report. Failure to do so would not only be a violation of my rights as a consumer but would also implicate the credit bureaus in aiding and abetting illegal actions.

I am seeking your assistance in ensuring that the credit bureaus comply with federal regulations and take immediate steps to rectify this situation. I request a thorough investigation into the inaccuracies on my credit report and prompt resolution of any fraudulent accounts opened in my name.

Please find enclosed copies of relevant documentation, including my FTC Fraud Affidavit and correspondence with the XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a timely resolution. 

Thank you for your assistance in this urgent matter.
Product: Checking or savings account

On XX/XX/19, my mortgage payment for {$1800.00} was presented through ACH and overdrew my account {$40.00}. I immediately transferred from another bank {$100.00} on the same day. In addition, my payroll {$1900.00} plus a social security deposit of {$670.00} at midnight the same day. My mortgage payment was returned without payment and i was charged {$37.00} overdraft. I came to Huntington Bank over 10 years ago because of their " 24 hour Grace '' policy. I have used it through the years at various times. In the past two years, i have had issues as they did not allow 24 hour grace! Their advertisement is misleading. Per their advertisement, you are supposed to have until Midnight the following business day to cover the overdraft. My subsequent deposits MORE than covered the overdrafts!
Product: Credit reporting or other personal consumer reports

Formal Dispute of Federal Student Loan Obligation Due to Administrative Transfer To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a XXXXmaterial alteration to the original contractXXXX. 


According to the terms outlined in my promissory note, my loan was issued and administered by the XXXXU.S. Department of EducationXXXX XXXX Recent federal action has eliminated or reassigned the Departments responsibilities, with the XXXX XXXX XXXX ( XXXX XXXX XXXX now serving as the managing entity. 


This constitutes a **substantial and unilateral alteration of the agreed-upon terms**, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure. 


I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency. Please respond in writing with your position and any available dispute resolution options. 


Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I suffered a major XXXX event and was in various hospitals for 6 months ( and can easily document same ). Because Discover Financial had switched me to " Paperless Billing '' and had an incorrect email address, those people monitoring my finances during my hospitalization were unaware of payments due to Discover. When Discover finally  reached out via actual mail & phone my payments were 3 months in arrears. My wife immediately contacted them, paid the account up-to-date, and Discover waved all late fees. However, I have since " discovered '' that they are destroying my credit report, reporting 3 late payments with one being 120+ in arrears. When I explained this, they refused to repair the information, claiming it is illegal under the Fair Credit Reporting Act to fix negative information that is the result of their error ( XXXX tells me they bounced Discover 's emails back to them, but Discover ignored the messages, and Discover waited 3 months to use the telephone number they had on file ). I am also told that there is discretionary rules that WOULD allow Discover to repair the damage they have done, but they refuse to do so. This false information is ruining what was an excellent credit score and costing me greatly, I desperately NEED this repaired.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report today, and Im at a loss as to why. I routinely check my credit report, but this time, there were unexpected discrepancies. I refreshed my browser to see if it was a glitch, but the inquiries remained. Please review the documents Ive submitted thoroughly to resolve this issue so I can stop worrying about it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX Data breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain. 
Details of the Breach : The XXXX Data breach exposed the following elements of my personal information : Full name Social Security Number Date of birth Address history Employment information Financial account numbers Date:XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I joined the XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. Total monthly fee was {$130.00} which I paid every month automatically. It was a month to month agreement, with an understanding that I could cancel at any time. Nothing was explained to me about canceling in writing. 
In XX/XX/XXXX I called the Club to cancel my month to month membership. The representative I spoke with said sure, and claimed membership would be stopped. 

About a month and a half ago, I noticed that the Club was still billing me. I called the club and they said again that they could cancel the membership. They did not, and refused to give me a refund. 
I called Chase to complain about this. They opened a claim, for the months from XX/XX/XXXX to XX/XX/XXXX and placed a temporary credit on my account. 
About 3 weeks later, Chase reversed the credit and denied the claim, stating the charges were valid and also that there is a 60 day lookback that they need to follow. 
Firstly, if there is a lookback period, why was I not informed of this and also why were all the months I was disputing credited back? 
Secondly, I did not authorize those charges. If the merchant isnt going to honor my request, and basically lie and steal from me, Id like to think that after 20+ years of banking tens of thousands of dollars with Chase with the same account open for those years, theyd at least honor my complaint.
Product: Mortgage

on XXXX XXXX/XXXX/2017 sent in a pmt of XXXX and to have an extra XXXX applied to principal. the mortage company did not credit me with that pmt but added to escrow. I want it correctly applied to what I checked off on pmt coupon.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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 a personal credit card account opened at XXXX {$2800.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX XXXX  {$1300.00} X XXXX XX/XX/XXXX XXXX XXXX XXXX {$2800.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX {$490.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX {$680.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$1700.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1700.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$1300.00} 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 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  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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Checking or savings account

I submitted a {$19000.00} Insurance Check to First Bank Florida located at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, FL XXXX on Thursday XX/XX/2020 at XXXX. The Bank agent kept me waiting for an hour and was unable to give me proof of deposit. I called the Bank 3 days later and the person who answered the phone looked at my account and did not see a deposit for {$19000.00}. I waited on hold 15 minutes to speak to the XXXXranch Manager who said the check was being transferred to a branch 5 miles a way and still in transit. I asked him why it would take 3 days to transfer a check 3 miles and I asked why the check was not showing as a DEPOSIT ON HOLD and he could not provide an explanation. Six business days later the check still does not show as being deposited into my account and when I call the Branch no one can tell me where the check is or why it is not showing as DEPOSIT ON HOLD.
Product: Checking or savings account

I am a consumer who reported my account has suspicious activity after visiting a XXXX online store. A day later they told me i was receiving a new card. Now a day later they are telling me my funds are blocked and that i am unable to receive my funds on my other accounts that had no correlation to the unauthorizrd charge. Also the bank manager at m and t in XXXX  is giving me little to no information. I all very concerned about my money and the disspersemenr process and know one is telling me nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed several discrepancies under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and US Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If these are the same accounts, reported by the same creditor, how can there be so many things inconsistent? The open dates vary from each credit bureau, the terms are not consistent, the high balances being reported are also wrong.
Product: Debt collection

This debt was put on my account on XXXX. I have looked this up in the amount of XXXX I live in XXXX XXXX XXXX XXXXo there is no way I can be at two places at once. 
this debt is from rent recovery on my profile.
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system and noticed a plethora of inquires that i do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports and must be deleted immediately. XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i found the a have a debt in my credit report i never not once received any letters about this debt, the debt is from a rental property i left without a walk out inspection.Now i have call the collection agency multiple time and ask them to please send me a statement like that i can mail my payment, the told me the send it in the mail on XXXX/XXXX/16, today is XXXX/XXXX/16 and i never got anything in the mail, the keep telling me i can use my debt card or bank account to pay i explained to them i did not want to do that, i am willing to pay but the refused to send me a statement for me to be able to mail the payment how can i make them send me the statement
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid in full and was to be removed from credit report. Medical is not credit and if paid can't stay on report. They didn't extend credit they didn't have a payment plan nor interest. No a signed agreement to pay. There for it's required to be removed completely. I have disputed this with Equifax over 65 days ago with no answer.
Product: Vehicle loan or lease

Westlake Financial Services XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX WestlakeFinancial.com This business appears to have an ongoing practice of not releasing titles in a timely manner. I paid off my loan on XX/XX/XXXX ( one month ago ) and they have not released the title electronically to the TX DMV. I have called, emailed on numerous occasions. Multiple customer service agents have told me a different story every time ( it's on hold because of the address (? ) ; it's been released ; it's supposed to arrive XX/XX/XXXX, etc., etc. ). The title department does not answer or return emails or calls. One of the many customer service agents I spoke to informed me that even THEY could not get in touch with the title department. I have researched this and it appears to be a systemic practice for the company.