23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XX/XX/XXXX, I got on my American Express XXXX XXXX account and using the chat feather, I requested to close my account. They said I would have to wait until XX/XX/XXXX to cancel because my card would renew on that date ( screen shot of chat available upon request ). 

Today XX/XX/XXXX I received an invoice from American Express say " your account will renew next month ''. 

American express can not make it so difficult to close an account and expect me to spend hours on the chat line because they want to keep me. I am requesting compensation of {$180.00} for reimbursement of time and mail costs.
Product: Debt collection

I started receiving collection calls and letters in the mail from a company called Sequium  Asset Solutions , LLC. I told them I wasn't responsible for the debt and what I needed to do. I have sent in bills with my name and address, property tax statements, driver 's license, police report, utility and phone bills, etc. showing that I live in MN and did not set up home internet and cable in Georgia  at this time. They will not stop sending me letters in the mail and calling me. Everytime I talk to them, they tell me that they are going to take care of it so I don't get contacted anymore and they see the previous notes in their system, but it is never ending. It has now been 6 months of harassment and I can't get them to stop.
Product: Checking or savings account

Have XXXX cards with Venmo. Was unable to regain access due to XXXX as a result of my XXXX phone services being disconnected due to XXXX Venmo was unable to authenticate the account as I did not have access to this phone number and as a result I was unable to close the accounts.
Product: Prepaid card

The card was purchased and activated on XX/XX/year> in the amount of {$200.00}. The card was later lost. I called XXXX on XX/XX/year> and opened a case to have the card replaced. I then sent all requested information and documentation via an email to the address provided. The card was never replaced. I followed up again via email on XX/XX/year> asking that the replacement be issued without any further delay - no response was ever replaced.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, XXXX Fifth Third Bank and Banker XXXX XXXX at the XXXX Bank, XXXX, IL Previously known as Legacy No. XXXX and cfpb XXXX. XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX with the Office of the President, XXXX XXXX Operations Center, XXXX XXXX XXXX, MD XXXX, XXXX, OH XXXX - not honest services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I been trying for many months to resolve a few errors on my credit profile that is inaccurate. The accounts that have been challenging to resolve with XXXX, Equifax, and XXXX are XXXX, XXXX XXXX, XXXX XXXX and hard inquiries XXXX  ( listed twice ), XXXX XXXX, and XXXX XXXX. I've spoken with XXXX in regard to the hard inquires and attempted to have them removed within 3 consecutive months, but I'm being told they can not remove these hard inquires without a written letter from the companies.
Product: Student loan

On XXXX the XXXX 2019 I filed a complaint with the XXXX   XXXX XXXX because I recently became activated to XXXX XXXX but because I was not overseas and I am XXXX XXXX. They denied my XXXX, and now I am left with a XXXX plus payment that can not afford it at the moment. While waiting on them to approve my request the interest was steady building. They sent me a letter stating that they will not honor my XXXX for XXXX because it is in the United States. I will not be on these orders forever. Once I complete these orders, I will be back unemployed and won't be able to make my payments. I have attached all documents as proof.
Product: Money transfers

I had made a payment to my credit card account with XXXX from XXXX using a service called XXXX. I made this payment of {$490.00} on XXXX and it has still not reached my bank. The payment ref # was : XXXX I called XXXX ( number XXXX ) on XXXX ( talked to agent XXXX ), she opened an investigation with Ref # : XXXX. He conference called XXXX bank and confirmed that they didnt receive the payment. 

I had called XXXX pay multiple times to follow up with no response ( they kept telling me that they have sent the payment ). 
On XXXX, I called XXXX ( # XXXX ) again, asked for a supervisor. XXXX assisted me, we had a XXXX way call with me ( XXXX ), XXXX ( XXXX supervisor ) and XXXX ( XXXX back office supervisor incharge of bill payments ). XXXX and I had sent forms to XXXX ( payment adjustment request form along with supporting docs, payment receipt, my credit statement etc ) and XXXX never responded back. 

On XXXX, I called XXXX pay again and spoke to XXXX. XXXX mentioned that XXXX internal team has still not responded to her, he sent then another email. She called XXXX on a XXXX way call, XXXX ( phone # : XXXX ) Agent XXXX ID : XXXX and XXXX did confirm that XXXX did not recieve the payment of {$490.00} anytime since XXXX. XXXX was going to send him an email to investigate this payment
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have 8 credit inquiries that are on my Equifax credit report. I am not familiar at all with these inquiries and have attempted to have them removed. I know for a fact these are fraud attempts. The companies claimed they do not have my information, therefore they need to be removed from my credit report. The inquiries below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Need to be removed from my report ASAP. i understand my rights as a consumer and Im very familiar with the FCRA and my consumer laws. Below I have attached one email from one of the creditors, specifically XXXX. They claim to not have my information. The others have yet to respond and it has been months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is not reporting a closed date on my Equifax and XXXX reports. I have disputed more than 3 times to no avail. My XXXX reports the account was closed on XX/XX/XXXX. That would me I would have had access to the account and that is not the case. 

Account : XXXX The account was closed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding former Complaint XXXX, Hunter Warfield claims to have no records of my phone calls or communication between myself and XXXX XXXX in the Consumer Resolution Department, but in their answer they advised me to contact XXXX XXXX of Hunter Warfield 's Consumer Resolution Department. This sounds contradictory and doesnt make any sense. You want me to call XXXX XXXX and go through the entire process again? Since my previous efforts and attempts have gone unresolved, pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I  request that Hunter Warfield provide the certified documents that were reviewed to conclude the accuracy of the information they are reporting to the credit bureaus and to provide me a complete copy of all the information that was furnished to them by the original creditor XXXX  that they are claiming to be trying to collect a debt on behalf of. If you do not comply I intend to commence a lawsuit against you for damages and equitable relief due to non- compliance with the FCRA Section 611. I will also be aggressively pursuing the full judgment that I can get against Hunter Warfield for violation of the Fair Credit Reporting Act and defamation. I have fully investigated my rights in this matter. The foregoing is not intended to be a complete recitation of all applicable law and/or facts, and shall not be deemed to constitute a waiver or relinquishment of any of my rights or remedies, whether legal or equitable, all of which are hereby expressly reserved, including my right to all available remedies against Hunter Warfield, including but not limited to the recovery of costs and attorneys fees.
Product: Credit reporting

Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Transunion for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and its been acomplete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an XXXX ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Transunion about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance chargeoffs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.
Product: Money transfer, virtual currency, or money service

Venmo had froze my account due to someone transferring money out of my account onto their card. I disputed it and it was found in my favor, so the money was replaced. My account was froze during this time of investigation. They unfroze my account once the investigation was completed. I was able to transfer half my money over to my rooommate since I couldn't add my bank information on the venmo app. Everything was working fine until today XX/XX/XXXX when I tried adding my bank info again to the venmo app and it kept saying couldn't add this card at this time please try another card. So i tried another card. Now they froze my account with my {$440.00} on it and keep telling me to follow the instructions sent via email. I told them I have not received an email from them about my account being froze again. The agent keeps saying theres nothing he can do. So my account is froze and I can not access my money and they won't answer any of my questions. They froze my roommates account too and he just opened his last night on XX/XX/XXXX. 
I have requested a Venmo debit card three times and they say its on its way all three times and I still have never received one. I opened the account in XX/XX/XXXX.
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. 

Account name : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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 reporting or other personal consumer reports

This is in response to a complaint that I have already opened up. An experience has came back in once again has been dishonest in their actual response back to you guys as well because complaint ID XXXX states that they are still working on my issue but they are not. They have closed it and theres no way possible that they actually took the time to do a real investigation because it was closed within 24 hours of me opening it they do not properly investigate any of your disputes. They literally automatically closed them and respond back and says this incorrect issue will remain on your account
Product: Credit reporting or other personal consumer reports

Today @ XXXX in the afternoon I have been sitting over the phone with Experian for an hour. The first wait time was supposed to be 3 mins, I waited at least 15 and the other wait period said 15 I waited longer than that. Not only that I had to tell them I was a victim in order to get the proper assistance that I needed. THE automated system didnt help me. They people gave me a number that didnt help. My membership is paid for and I still cant get into my account.
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some thing that was not correct. I sent a letter to Global Lending Services on XX/XX/2024. But it has been more than 35 days, Global Lending Services still haven't responded to my letter. That a violation of 15 U.S. Code 1635 ( b ) Under 15 U.S. Code 1635 ( b ) when an obligor exercises his/her right to rescind under subsection ( a ), he/she is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall XXXX  the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall XXXX  its reasonable value. XXXX shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after XXXX  by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court.
Product: Credit reporting or other personal consumer reports

In the statue I noticed you require documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website XXXX & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove these items but need you to assist in the process. I'm including these reports in my letter to help substantiate my claim. 

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

This company charged-off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.
Product: Credit reporting

Equifax has indicated that the account is set to closed, and it is not. 

This is at least, the 4th complaint regarding the closure of a tradeline in my credit report. 
In complaint XXXX, EQ indicated that the account was closed, but it is not. I believe this is willful violation, because reasonable and then exceptional proof has been supplied to thic CRA - and with no reasonable action taken on their part. 

The activity Designator, still - has the NA value when it should not. This account was closed by me - months ago. 

Another sample of a " Closed '' account, from my report - with the corrrect designator is supplied. 

N/A, means not applicable -For this field, all tradelines that are not open, then requires this field to be applicable. 
My Credit report from Today, XXXX XXXX is attached, as well as the original screen shots from the 1st, 2nd, 3rd and now fourth complaint. 

Please close the account, and please correct the Activity designator to " CLOSED '' - Willfully violate obligations under the FCRA, ( Basic Damages or actual ( provable ) damages ( no limit ), or statutory damages ) Complaint # 4
Product: Debt collection

I received a voicemail on my office phone XX/XX/2017 The voicemail requested a call back. I called and spoke with XXXX from XXXX XXXX. He stated he was calling on behalf of XXXX in regards to a medical bill. He stated they received the file in their office on XX/XX/2017. He told me that the account had been submitted for legal, I questioned how they can do that with me not receiving any notice, he said they mailed me a letter out on the XXXX when they received the file, as of today XX/XX/2017 I still have not received written correspondence. He advised he can give me a discount if paid in full that day {$1300.00} was the original amount. He said they can break it up into XXXX payments or they can go out a year. I advised that I can do a XXXX month payment, he said that is not an option that it is against their policy only to go out a maximum of XXXX months. He again started talking about legal action and that I would have to pay the bill in full plus interest as well as court fees and attorney fees. I was extremely upset and felt as if I was being forced to do what they wanted me to do or I was going to court behind it. I told him I can look at what was doable for me and contact them back. I also requested my XXXX phone be removed from their call list. I filed a dispute on their company website right after the call disconnected. Less than XXXX hours later the I received a call from the original collector that had left msg on my XXXX phone. He said he received a message to call me back. I never once told anyone to have him call me back. I asked how the dispute worked as I had filed XXXX on their website and he stated they review it to see if the debt is valid and go from there with me proving the debt was not mine, etc. I advised him again I did not request any calls back that him calling me and making contact XXXX times in XXXX day was a FDCPA violation. He back peddled and said that the message to call me back came from his supervisor from the dispute. But not once did he try and see why I filed the dispute. He said he can offer me the XXXX month payment option?? I questioned about the policy on only going out XXXX months, I asked how XXXX rep can only give XXXX months based on policy but he can do XXXX months, he stated that it was is file and he can do that. I became very upset and cried advising him that I want to make good on it but that I felt like it was on their terms or no terms at all without it going into a legal status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate dispute. This is a factual dispute in regards to XXXX XXXX 's reporting of the accounts opening date to Transunion, XXXX, and XXXX. Transunion has my opening date as XX/XX/XXXX ; whereas, XXXX, and XXXX cites the opening date to be XX/XX/XXXX. This may be minor, but since it is inaccurate it can no longer be reported on my credit.
Product: Credit card

I contacted BofA regarding the rejection of my XXXX XXXX XXXX and expected a reasonable explanation. Instead, I received a generic response listing all possible reasons for rejection. Please refer to the attached. 

Allow me to address these points : Ineligible purchase : The charge was for a check-in luggage fee, which is eligible. 
Combined with a ticket purchase : The luggage fee was paid separately during flight check-in, not combined with the ticket. 
Reached maximum benefit for the year : At the time of the purchase, I had not yet reached the maximum benefit. 

I have documentation that supports all of the above. If you need this evidence, please let me know. 

The remaining reason is that " it wasn't made with a qualifying airline. '' This is vague without a clear, publicly accessible list of qualifying airlines. If this is the reason, I request that you provide a URL link to the list. Otherwise, please provide the specific reason for the rejection, along with supporting evidence. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account : XXXX has violated my rights ; XXXX XXXX XXXX XXXX XXXX has violated my rights ; XXXX. XXXX XXXX XXXX has violated my rights ; XXXX. XXXX XXXX Account XXXX has violated my rights ; and XXXX. XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states : I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 : states : " a consumer reporting agency can not furnish an account without my written instructions. ''
Product: Credit reporting or other personal consumer reports

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.