23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

my wife passed away in late XXXX. right away i noftifed them take i would not be able to pay debt for very long. paid 3 months and every month told them that i could not pay any more because my wifes income was gone. my ss droped to XXXX plus XXXX pension total XXXX iam XXXX yrs old disable with health problems can not work. paying on a morgage on our home XXXX a month XXXX lot rent plus utility bills of over XXXX a month. the virus causes more problems people are not buying and i need special needs not in other home.s they tapped my phone lines XXXX i took the line off service. then my cell phone got taped and connot find a way to fix it. the company said there is no way./ they talk to me sometimes all night at all times my chimes on clock go off on half hour and the hour they scream over the phone to mimiake that. they scream to get up the coffee is ready. and every thing else they can do to keep me awake during the night. as i told them there is no way ever to pay the bills. i talked to federal attorney in XXXX and he told me they have no way to collect when there is no money. i took care of my wife for almost 4 years from XXXX  a sickness with no cure. bills were high and i did what i had to do. the listen to me XXXX a day. you must send me a letter to talk. .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , pa . XXXX. thank you
Product: Debt collection

Already been to branch about my hardship time n decreased job took on and explained that I cant make payments because Im now over budget now agency stated their nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity fraud caused a lot of damage to my credit report. It occurred about 2 years ago. After contacting the FTC and credit bureaus I had those items removed. Currently I keep a monitoring on my credit report to protect from additional accounts misuse of my personal information. But as of late I have noticed quite few inquiries appearing on my credit. These items are not now or have ever been authorized by me. I would like these items investigated and removed from my reports.
Product: Checking or savings account

On XX/XX/2023, I went to the local branch of TD Bank to close two accounts and withdraw a CD that had matured because of a long history of terrible customer support. The final event that prompted me to close my accounts and go elsewhere was as follows : On XX/XX/2023, I closed a safety deposit box, a day before the next term began. I asked the officer to make sure I would not be charged for another year, and he assured me that would not happen. He said he had already recorded the closing out of the safety deposit box. But on XX/XX/XXXX I was charged {$150.00} for the next year rental of the box I had already returned. It took 4 months and several emails to the branch manager, XXXX XXXX ( See attched ) and a visit to the branch to finally get the {$150.00} refunded. That is when I decided to close my accounts and move elsewhere. 
On XX/XX/2023, I initially went to the teller. But then I was referred to a bank officer, a woman whose name I do not recall. She apparently had responsibility for investments. She tried really hard to retain me as a customer. But my mind was made up. She finally filled out the paperwork to close the accounts and went and got me the cashier checks for the two closing accounts and the matured CD. 

In XXXX I received a statement from both accounts saying that the accounts had - {$9.00} and- {$9.00} negative balances respectively due to Maintenance Fee for the accounts I had closed! I ignored the statements and threw them out in the hope they would get themselves straightened out. Then in XXXX I received two more statements that added another - {$10.00} in Maintenance Fee to each account. 

Then on XX/XX/2023, I received a letter ( see Attached ) saying the account was overdrawn and is being closed to further debits. It asked that I call XXXX to discuss your options. I called the number and explained the situation. The agent asked me to hang up so she could call in a code to verify my identity. I received the code and soon a callback from the agent. Before I could even give her the code, she explained and I quote : I understand that youve got the code but it tells me I cant go forward here with the code Ill have to refer you to the branch to get some assistance ( I have a captioning phone because I am XXXX XXXX so I am quoting ) I told her that I would do nothing. That it was their mistake and they had to fix it, not me. She then said, Im so sorry that you filled ( sic ) that way I wouldnt take that route I would visit the branch so this doesnt affect your credit in any way. To which I replied that if my credit gets affected in any way by their screwup, I would suit the bank in court. 

Not only have they failed to close the account, now they are threatening my credit! Unbelievable!
Product: Checking or savings account

I received a text and email from Chase saying I had a fraud alert. When I called, they were unable to disclose any information about my account. They locked me out of my account and would not allow me access to my funds. I still have not received those funds or access to them as of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX**** Please remove the late mark on this account and update the status to current and paid as agreed. 




Please correct this with all haste. Thank you for your attention. I apologize for being so angry. This oversight on your part are causing me a lot of trouble financially.
Product: Credit card or prepaid card

In XX/XX/XXXX, I booked a refundable flight using my American Express credit card via the American Express Travel dashboard on their website the next day I called for a refund ( inline with policy noted on original receipt ) the agent was unable to help me due to the airline not being open during these hours. Over the course of 4 months they have changed their travel policy ( attached ). 

In XX/XX/XXXX, they granted an airline credit ( previously policy would dictate that it is an American Express Travel credit ). In XX/XX/XXXX I requested that this be change to a full refund or American Express Travel credit. They rebooked the flight without my permission and removed the provided travel credit. 

XX/XX/XXXX - Booked flight via American Express Travel website using American Express Platinum Card XX/XX/XXXX - Called American Express to cancel flight ( listed as option on receipt ) they were unable to cancel flight as it was not during the airlines business hours. ( Air XXXX XXXX ) XX/XX/XXXX - Opened request online to cancel flight for refund or travel credit - they were unable to locate reservation XX/XX/XXXX - American Express provided Airline Credit for trip XX/XX/XXXX - American Express would denied airline credit or refund for trip that they had already cancelled and provided an airline credit for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX balance : Balance : {$0.00}
Product: Debt collection

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. 

Account name : # XXXX XXXX XXXX XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  XXXX XXXX : {$170.00} has violated my rights. 

Account name : # XXXX XXXX XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$680.00} has violated my rights. 

Account name : # XXXX XXXX XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$680.00} has violated my rights. 

Account name : # XXXX XXXX XXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$560.00} has violated my rights. 

Account name : # XXXX XXXX XXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$380.00} has violated my rights. 

Account name : # XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE : {$1500.00} has violated my rights Account name : # XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE : {$1200.00} 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 ) Sectio
n 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.
Product: Credit card

We made an airline reservation on XX/XX/XXXX, on XXXX XXXX for XXXX business class tickets to travel to Nepal and back to U.S on XX/XX/XXXX and returning back on XX/XX/XXXX. The total price of the ticket was approximately XXXX. By mistake we put a hold on the charge on XX/XX/XXXX. Almost immediately we realized our mistake and called the credit card company and asked them to lift the hold, which they did. We paid our credit card statement for the whole amount from the XX/XX/XXXX statement. 
However, XXXX XXXX never released our tickets, claiming that they had not received the payment from Chase. On XX/XX/XXXX we called Chase to dispute the charge and we purchased new tickets to travel. 
We have continued to speak to both vendors multiple times with no resolution. XXXX says they did not receive the money and Chase says we have sent them the money. 
We asked Chase for the name of the merchant bank they are dealing with, so we can pursue the claim but they have refused to do that. 
We are attaching all the documents that we have sent both to XXXX XXXX and Chase credit card company.
Product: Credit reporting or other personal consumer reports

Equifax has seriously damaged my credit score, credit and drop me XXXX points and have XXXX Soft inquires on my credit report that I did not Authorized Equifax to do. I have monthly. daily soft pulls and Automated consumer interview system on my report Equifax has XXXX Automated consumer interview system pulls in XXXX. 
Equifax has XXXX Automated consumer interview system pulls in XXXX. 
XXXX XXXX XXXX HAS XXXX soft pulls in XXXX I have not given XXXX of these companies Authorization to do this and I want it to stop.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan for {$15000.00} from Upgrade on XX/XX/XXXX. The terms of the loan were as follows : {$15000.00} at 19.99 % for 60 months. I elected at the start of the loan that {$8900.00} was to be paid to XXXX XXXX ( personal loan ) in order to pay off a previous loan. The remainder of the loan proceeds after origination fee of {$1400.00} were to be paid directly to my personal checking account with XXXX Bank in the amount of {$4500.00}. This has never occurred to date, meaning I have never received the loan proceeds that were to be paid directly to me. I was charged the full origination fee ( which was calculated as part of the full {$15000.00} loan amount ) and am now being charged interest on the origination fee and the {$8900.00} provided to XXXX XXXX. 

I have contacted Upgrade on many occasions, from XXXX through today XX/XX/XXXX. I was most recently told on XX/XX/XXXX that there was an error in submitting the funds to XXXX bank and that they would need XXXX days to submit the " ticket '' to correct the error and another XXXX business days for the funds to clear XXXXXXXX XXXX I called them again today, XX/XX/XXXX and was informed there had been no such submission and they were unsure of what happened? I am not hopeful that this will be resolved as I have been told now on at least 3 occasions that the issue will be remedied and the funds submitted to my account per the loan agreement on XX/XX/XXXX, however it has not happened. I feel that it is fraudulent and a breach of the loan agreement to be charged an origination fee and interest on that fee based upon a loan amount that has never been distributed. Furthermore, it is a breach of the loan agreement made XX/XX/XXXX that the funds were not distributed as promised and no reason has been given. 

I hope that someone can address this matter as I have been unsuccessful in resolving it myself with the company directly, and it seems that at the very least this is very poor business practice.
Product: Debt collection

XX/XX/XXXX I wrote to Vegas Valley Collection to verify that the debt was mine because I had no knowledge of the debt owed until I was denied due to my credit. I requested further information from Vegas Valley Collections and they did not comply with my request of verification. The amount owed totaled to {$190.00} from back in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Your American Express Account XXXX American Express Customer Service Department XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear American Express Customer Service, I am writing to address a concerning matter regarding the recent closure of my American Express account and its inaccurate reporting on my credit report. It has come to my attention that my account was closed due to inactivity, which is not the case. The closure was initiated by American Express because I did not complete a verification of income by allowing your institution to confirm my bank account 's beginning and ending balance over the phone. I want to emphasize that this closure was not due to neglect or lack of activity on my part. Rather, it was a result of my refusal to comply with the verification process, which I believe to be an unnecessary invasion of privacy that violated my federally protected consumer rights. I have already communicated this stance to the Consumer Financial Protection Bureau ( CFPB ), and American Express has confirmed this during their correspondence with the CFPB so Im unsure why you would post FALSE INACCURATE information to my consumer credit report that violates FCRA. Despite the closure of my account, I have remained in compliance with the terms outlined in your SEC prospectus by continuing to mail in my registered securities by the due date, addressed to the indenture trustee of your company and my act will show no balance due at this time. This practice ensures that I fulfill my obligations as outlined in the securities exchange commission prospectus. I am requesting that American Express reinstate my account and restore my credit limit to its previous level. Furthermore, I expect that my account status be updated to reflect the accurate reason for closure, as confirmed by your institution and the CFPB. Failure to address this matter promptly and satisfactorily will leave me with no choice but to take further action. This includes completing an IRS Form XXXX to revoke your power of attorney for all years and periods, as well as reporting this issue to the Internal Revenue Service ( IRS ), the Securities and Exchange Commission ( SEC ), and pursuing legal action as necessary. I trust that American Express will rectify this situation in a timely manner and restore my account to good standing. Your prompt attention to this matter is appreciated. Sincerely, XXXX XXXX attached is the proof of the inaccuracies reporting on my credit, the original cfpb complaint where AMEX admits the real reason for the account closure ( not due to inactivity on my behalf ) also my account indicated that no payment is due at this time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

This is a formal complaint against Equifax. Equifax has been reporting discrepancies on my credit report. 
I sent Equifax a certified mail letter to dispute this item with the tracking number XXXX delivered on XX/XX/XXXX at XXXX Equifax has not picked up their mail yet since it was delivered. 

The Mailbox Rule is a common law concept that is the default rule governing mailing and communication contract. Once an offer has left the offerors hands, the offer can not be changed materially, even if circumstances change. The contract is considered accepted as soon as the acceptance is dropped in the mail.

The Mailbox rule is clear that the contract starts once the communication contract its dropped in the mail. Since Equifax has not picked up their mail, I refused equifax to do any investigation regarding this account except to Delete the account IMMEDIATELY. SHOULD EQUIFAX PUT THIS ACCOUNT INTO DISPUTE AFTER RECEIVING MY COMPLAINT I WILL FILE A CLAIM WITH DISTRICT COURT.

I must remind Equifax that the FCRA LAW states information reporting has to be 100 % verifiable and 100 % accurate. Its their duty to ensure that all information reports to be consistent and most importantly accurate and Equifax failed to do so. 

This account number XXXX is a revolving credit and a revolving credit account and a revolving account gets reported 180 days past the due date as a charged off. However, this account history is not reported accurate. 

XXXX. Equifax is reporting payment history in XX/XX/XXXX past due 30 days, 60 days in XX/XX/XXXX and stopped reporting in XX/XX/XXXX. Nowhere mentioned of the last payment or charged off. 
XXXX. Equifax report is blank 3. Equifax is reporting monthly payments blank 4. Equifax is reporting high credit balance blank 5. Equifax is reporting past due blank.

6. Equifax is reporting the date of payment blank 7. Equifax is reporting last date of active blank Violation 15USC1681 ( a ) Although Equifax its aware about this violation but is still reporting false misleading information on my consumer report.

The law is very clear as to the Civil liability and remedy available to me for negligent noncompliance ( Section 617 ) Equifax hereby put on notice that they are in violation of several US CODES which I can be seeking {$1000.00} per each violation. 

Reminder of XXXX Vs XXXX Information XXXX XXXX XXXX ( XXXX ) and XXXX vs Equifax Information Services LLC ( XXXX ). These consumer won their case against the bureau. 

FAILURE I WILL FAIL A CLAIM WITH ALL THE EVIDENCE I HAVE. 

ENCLOSED YOU WILL FIND DISPUTE LETTER, XXXX REPORT, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuing complaint from my Complaint No. XXXX. I NEED MY EMAIL ADDRESS UPDATED TO MY NEW EMAIL ADDRESS XXXX ... ... ... ... This was my previous message : I tried to update my email address. But the TransUnion website instructions stated it can be easily change by going to my profile, but it didn't work. It does not allow for change/update. The button is greyed out even though I was able to type in my new email address. Furthermore, I called yesterday and was left on hold for over 45+ minutes with no one answering. Then I tried to use their website instruction on the " Chat '' service by click the button at the lower right-hand corner ... ..well there was no button there. So I resorted using the Messenger Chat hoping that someone can help. The chat stated I was connected to " XXXX ''. I stated my issues and asked if " are you there ''. And after 20+ minutes, there was no response. What does it take to change a simple email address with TransUnion? Sincerely, XXXX XXXX ... ... ... ... ... ... ... .... 
The response back from TransUnion was : We have reviewed your complaint along with the information you previously provided regarding this issue. Due to a system issue, your credit report was previously unavailable online ; however, the issue has been resolved. Please be advised, you are still eligible for a FACT ACT consumer disclosure and you may attempt another online request. In order to protect your privacy, we have mailed a copy of your TransUnion credit report to the current address we have on file for you. You can expect to receive it in approximately 7 business days. If you have any additional questions, please do not hesitate to call our Customer Service call center toll-free at ( XXXX ) XXXX, Monday-Friday, XXXX XXXX XXXX XXXX XXXX XXXX or Saturday-Sunday, XXXX XXXX XXXX XXXX XXXX XXXX. For more information please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs. MY RESPONSE NOW : I DON'T WANT A CREDIT REPORT. I WANT MY PROFILE EMAIL ADDRESS CHANGE ......
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX  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.
Product: Debt collection

I have disputed XXXX accounts as of XXXX that are listed on my credit file and the accounts have been " verified '' however, today when I called them, they stated that they could n't discuss the accounts with me because they were n't in my name. This makes no sense whatsoever. How can they continue to report on my credit file but they ca n't discuss the account details due to the account not being mine. I am trying to purchase a home and I am 100 % XXXX as well as XXXX and it 's rediculus that I have to fight this battle over a debt that is n't mine and I 'm about to lose my house because of this as well.