23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear CFPB : First, thank you for the important service CFPB provides to millions of Americans and customers of US financial firms. 

On or about XX/XX/2022 I opened by phone a 48-month CD with American Express Bank XXXX I have been a valued client with that institution for years. 

Less than 24 hours later I reconsidered and quickly notified the bank that I sought to reverse. I was told that that it was not possible to change one 's decision even less than 24 hours later without paying some {$630.00}. 

I am writing CFPB with the request that the bank will reverse what seems a short-sighted and anti-consumer policy. 

The bank should re-consider for multiple reasons. Among them : 1. While I do not recall verbatim what the Amex agent said when I opened the account, I am certain that he did not *specifically* numerate in dollars the fee I would have to pay for early account closure, even less than 24 hours later. Unlike with a credit card statement that clearly shows how much interest one pays over a X number of years, Amex did not spell out the potential fee. 

2. Should there not be a 24-hour period to allow a consumer to re-consider a CD opening? In *many* states a consumer can return within a certain period a product so long as they have the receipt and sometimes without a receipt. Why can't one do this with a CD, which is a financial product? 

3. While a general fee policy on early CD closings was listed on the bank 's page, the FAQs are buried well below Amex 's online page, virtually at the bottom of the site. Do better Amex! 

4. I have been a valued client for 8 years. Can the institution, which presumably seeks to maintain a high-quality relationship with loyal clients, provide a one-time courtesy and waive the fee? Or at least allow me to reduce the amount of the CD?

5. I was assured by XXXX  that the bank would follow up with me the following week. But by late Thursday I still had not heard back either way. In no way do I seek to disparage XXXX, who was gracious and professional and who I thought listened well to my complaint. But a lack of follow-through by his superiors suggests absence of care and appreciation for customers. 

Again I have been a valued customer for 8 years. Why does Amex extend a draconian Scrooge-like policy in this case? 

On a related matter, I have been a target of well-organized harassment campaign. In some instances, bank employees ( such as at XXXX ) participate in " ruses '' or " pranks, '' which ultimately comprise acts of financial sabotage. I do not know if this is a case here but it would be interesting for middle/upper tier management to consider the possibility. 

Thank you for your time and attention. 
Best regards.
Product: Credit reporting or other personal consumer reports

Experian decrease my credit score XXXX points my credit score was XXXX now at this went from good to fair XXXX very upset why they did that because company XXXX XXXX messing with my credit report information and score I disputed the negative account with XXXX XXXX a loan company I didnt take a loan out with my permission thst why I file disputed company for fraudulent activity account that why Experian probably let them decrease my credit score this so rude of both companies XXXX XXXX loans company and Experian very unprofessional I know I been harmed ass a customer please resolved this issue and case this my complaint against Experian decrease my credit score dropped XXXX points from XXXX to XXXX letting XXXX XXXX loans company from up here XXXX  tx number is XXXX - XXXX - XXXX that XXXX XXXX  number to reach out to them no longer have a loan account with them they interference my credit score making my credit good to fair stilll trying to make it go back bad and I trying to build it to keep it good to excellent know experian under lawsuits from u all company already my credit some was XXXX beginning of this year of this month they decrease my credit score couple days ago XXXX points taking away from my credit report score now at this moment XXXX want them to suffer whatctheyvdud experian and XXXX XXXX for fraudulent activity against a customer no longer have a loan account for XXXX XXXX  someone else got the same name asXXXX  mine got me mistaken with that person name I know they goin respond back XXXX XXXX to tell lies that I have account thst loan account which I don't to make my credit go bad again such a disgrace very upset and disappointed please resolved this issue make them pay for what they did.
Product: Mortgage

I am contacting your office because of an increasingly frustrating issue with XXXX XXXX XXXX concerning my mortgage. I have attached my original document to M & T and all the following correspondence. I believe the issues are clearly represented in my correspondence, and because of the inexplicable delays in responding to my simple requests, I can only begin to suspect that there is possible fraudulent action taking place. Please find all documentation concerning this dispute. I will continue to make the last undisputed payment amount as of XX/XX/2018 until this dispute is settled appropriately, however there are only two-three payments remaining and once paid, the likelihood of my collecting any overpaid or misapplied payments will be nil. I respectfully request you and your office immediate investigation and assistance in resolving this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt on my credit file that I do not owe. I have never had XXXX XXXX. This debt needs to remove off of my credit. This is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX with a balance of {$8800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month I paid {$24.00} I had send a few times to my Credit Bureau my disputing Errors on my report with proof. I also send them my legal documents. 

1. Court order by XXXX with the only information on it XXXX XXXX and no other information, no job information, no home address information, no I.D or ony other type of information. Attached you will find the information that is incomplete, wrong, inaccurate. 

2. Attached you also will find a letter with information inaccurate. EXPERIAN is ignoring my Identity theft. I'm tire of speeding, my enemy, time, money. Is not right they are taking my money monthly and don't do anything anything to check the documents that proofs incorrect information. 

Experian is taking advantage of me. And who knows of how Many millions of people who Don't keep degin or fighting for information that is incorrect In there XXXX file. Their negligence and reputation needs to be on the social network for people who are not aware of this inquires unjustified. 

I also have a proof XXXX XXXX account dispute with XXXX who with the proof I submitted they did their job and Delete or fix the incorrect information report on my XXXX as negative and they also deleted the negative information report XXXX Which is the only one who did Their job XXXX, Experian, XXXX, if I have a FRAUD ALLERT where expecify that I called needs to done to my number in other to run a hard inquiry they still denied my dispute. Some they run my credit 2 a day.
Product: Student loan

Ive been trying to make on-time payments every month, but unfortunately American Education Services does not give me any options to lower payments or to lower my interest rates. I have asked time and time again for help but they give me vague responses and no help to deal with this problem. I want to pay and eventually free myself of student loan debt but my interest rates keep changing and going higher. I feel I will never be able to reach my goals of paying everything off. Im afraid if they go too high with my interest that I wont be able to make payments. My monthly bill is {$720.00} a month, now it could be at {$730.00}! When does this end? When will there be assistantance to people who want to do the right thing? Am I being scammed for my money? What can I do to pay the principal down? I havent had any answers or help for almost 10 years! I dont want my entire life to be about paying a company who wont work with me to pay them off. Im growing emotionally tired every day from the frustration and helplessness. Someone please tell me what to do? I cant even refinance this loan. My credit is just not strong enough. I was once instructed on the phone that if i wanted a lower payment I would first have to be delinquent on my account, but that hurts my chances of having a better XXXXredit score to refinance eventually. Nothing makes sense anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

USING XXXX DISCRIMINATORY AND REDLINING PRACTICES TO HIGHLIGHT NEGATIVE AND DEROGATORY INSTANCES IN ORDER TO ASSURE THAT CREDIT DENIAL IS THE OUTCOME FROM BANK AND LENDING INSTITUTIONS.
Product: Money transfer, virtual currency, or money service

American Express has done a huge bad impact on my business with their bad reputation by allowing returns & refunds to their customers without the proper verifications methods to comply with the law. 

In the past year I had lost over XXXX US Dollars for the simple reason that my business has been affected by people with bad financial habits or personal live problems requesting returns for jobs that takes even 10 or more hours to complete with expensive equipment and because American Express customer says they don't like the products they can give XXXX and ever more refunds without sending an inspector to the place to find out the problem like every insurance services will do with their customer when filling a claim American express just apply the rule of giving the refund to their customer giving XXXX of dollars lost not only to me also to many other customers around the country and is time to apply the law and have them to pay me and many other hard-working people money back. 

No, Person 's money should be taken away without the proper investigation, especially for jobs that have been completed if American Express wants to return money do it from your pocket, not from hard-working people 's money.
Product: Checking or savings account

I have both a checking and savings account with XXXX since XX/XX/2018. When I set up my saving account I was told that I needed to keep a minimum balance of {$300.00} in the account or set up a recurring transfer from checking to avoid a {$5.00} per month fee. However, no matter what I do I am still charged this fee and I need to keep calling in the bank to get this fee reversed each month, despite following the rules and keeping the balance above the {$300.00}. I was told by branch employees and customer service that their policy was to keep charging the fee perpetually until the account was drained, hoping that customers wouldn't notice. 

I also have been prevented from setting up recurring automatic transfers from my checking account because the bank 's policy is to ignore the Americans with Disabilities Act by not allowing someone like me who is XXXX to walk into a branch and set this service up with a face to face meeting with a manager or over the phone with customer service. Their policy is to not help any customer who can not " look at their computer screens to see what the banker is doing to the customers account ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase/finance a vehicle through XXXX XXXX XXXX in XXXX, SC. I gave them consent to pull XXXX credit report later to find out they told me it was pulled XXXX  times and l was lied too it had actually been pulled XXXX  times for hard inquiries. I became so frustrated with them I actually paid cash for the vehicle due to the fact they had pulled it so many times especially after negotiating with them about the price due to the markup of the vehicle. I just want these hard inquiries removed from my report. I had decent credit before and now it has dropped my score to the low XXXX due to no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I woke up to my credit monitoring alert informing me that a hard credit inquiry has occured on my XXXX  Credit File. I immediately logged into My XXXX  and saw a posted Inquiry from CREDCO XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021. 

After contacting CREDCO, the representative informed me that someone requested credit with my address but with a different social security number. I REQUESTED that this erroneous inquiry be immediately REMOVED as i did not apply for credit with CREDCO. 

I filed a dispute with XXXX  to remove this erroneous inquiry but XXXX  simply replied that inquiries are " Inquiries are a factual record of file access '' without providing any valid proof or documentation as i requested that was given to CREDCO. 

I am requesting that XXXX  DELETE this erroneous inquiry which according to CREDCO does not match the last four digits of my social security number. I have requested this within 24 hours of when i received the alert from my credit monitoring.
Product: Debt collection

XXXX is a third party debt collector that purchases debt from original creditor that have written them off I have contacted the XXXX  a couple of years ago and they stated that they had no account in my name called XXXX and they refused to listen I have sent a letter asking for the original creditor and documents with my original signature and where I allowed for them to have my account. And all I got was threatened that they will keep my debit on my account until I pay them even if it's ready to be taken off
Product: Checking or savings account

I had received funds from my back pay with XXXX. And everything I used my card they locked it. So on the XXXX of XXXX I called BoA and told them I no longer had possession of my card and they said ok and they will send me a new card. And my balance was at {>= $1,000,000} So the next day I called back to see what needed to be done and the recording said I had {$6000.00} in my account so I called them back and told them I called u yesterday and told u I no longer had possession of my card and had a balance of {$18000.00} and the next day I called back and it said I had {$6000.00} left. And they said they will take care of it. And that they would send me a new card well it was sent out on the XXXX of XXXX ok so in three days I did receive a card ups. So I went to the bank parked and activated my card went to ATM and was not allowed to pull out any money. Why because I had a XXXX balance. Now plz tell me how that happened twice. Once called at a balance of {$18000.00} and the second time at {$6000.00} than to zero. Since than I have been kicked out of my house. I now sleep in my truck. I've lost my storage and about to lose another storage. I haven't been able to work because I hadn't had the money for gas so now I have no job.they have ruined my life and I have a one and a half year old ) title girl who I have to leave in the evenings with a friend because I can't have my daughter sleep in my truck with me XXXX XXXX get her taken away by cops. I don't know what to do and I'm so close to turning my self into XXXX XXXX XXXX  because of the stress.
Product: Debt collection

I was not aware of these debts. Did not have anything to do with any of them.
Product: Credit reporting, credit repair services, 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. 

I told XXXX, Equifax and XXXX to reinvestigate these accounts : Account : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 seven 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. See ATTACHED
Product: Credit reporting or other personal consumer reports

Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX WestLake Financial SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Removal of Late Payment Record Account XXXX Dear Sir or Madam, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/year> and XX/XX/year> do not accurately reflect my payment history, and therefore violates this provision. 

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report.

I have always valued my relationship with WestLake Financial SVC and have made all my payments on time, I believe may have been an error or the result of a delay in payment processing.
Product: Vehicle loan or lease

At the end of XX/XX/XXXX I totaled my XXXX XXXX. I returned to XXXX XXXX XXXX, the dealership I had purchased my car from, to buy a new car. I had purchased GAP insurance for the XXXX XXXX at XXXX XXXX when I had financed the car. I have XXXX XXXX XXXX and they covered {$15000.00} of the balance of my car. There was a {$3000.00} balance which would be covered by my GAP insurance. I leased a new vehicle and when I went to make my first months payment in XXXX realized there was still an account open for the XXXX XXXX. This account had me XXXX payments behind with a balance remaining on this car that had been paid off by my insurance and GAP insurance. At this point I began to contact the dealership to try to understand why my car had not been paid off and I have been given the runaround ever since. I have been told multiple times that it is Toyota Financial I need to communicate with as they are the actual company who would take care of this matter. Every time I call Toyota financial I am left on hold for more than 45 minutes I am given an operator who does not know how to remedy my situation I am told to call a different phone number and when I call that phone number I receive the same runaround. I have put in request to have supervisors call me back Ive never received a call back from anybody. In the meantime while trying to get to the bottom of why theres {$1000.00} balance left over on a car that should be paid off I was applying for an apartment and was notified theres a negative credit report from Toyota financial saying I owe them {$1000.00} so now I realized that they did not remedy the situation they have never contacted me and instead sent the balance that they should have covered XXXX collections in my name, which is now negatively affecting my credit. When I speak to the finance department in XXXX  XXXX XXXX Ive been made aware that the discrepancy all happened from someone in their loans department entering in the amount of money my insurance paid off on the total amount due on my car incorrectly therefore gap insurance paid an incorrect amount because it looked as though there was only {$2000.00} balance when it was actually {$3000.00}. Three weeks after them realizing what their mistake was there has been no resolution I have still not received a single phone call and my credit is still being negatively affected. I have asked multiple times to speak to a supervisor or someone who can actually remedy the situation for me not only to close my account but also to remove the negative report to the credit agency and fix my credit. I dont believe as a consumer that I should have spent the months of XXXX, XXXX and XXXX trying to get Toyota financial to fix their own mistake. And as a consumer I absolutely should never have received a negative credit report on something that they did incorrectly. I have yet to receive any type of solution to the situation and in the meantime my credit is being affected negatively.
Product: Prepaid card

I was given an American Express gift card with the amount of {$490.00} on it. I have tried multiple times to use it for payment of bills at two different locations online, multiple times at each, both of which I confirmed accept American Express. The card has been declined a total of 7 times despite the fact that I made extra sure the information from the card was entered correctly and have more than enough money available on the card. I contacted American Express on two separate dates and was told both times that the issue must be on the merchant 's end, and that I should walk into a merchant to use the card. I also spoke with a supervisor at Amex who told me the same thing and offered no further assistance. I have made online payments to both of these places using other cards / gift cards in the past with no problem. I asked American Express to rectify this issue so I can pay what I'm wanting to pay, but they repeatedly just told me to walk into a merchant to use it. In looking this issue up online, I noted this is a frequent occurrence with Amex. I don't understand how they're permitted to sell these cards if they're completely unwilling to honor them when they're trying to be used in places they should be able to be used. Unacceptable.