23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The American Express Platinum card purports to offer a {$100.00} statement credit once every 4 years against any charges for the XXXX XXXX application fee. Terms available here : https : //www.americanexpress.com/en-us/benefits/travel/expedite-your-travel/ However, in its terms, Amex states that customers must allow up to 8 weeks for the credit to post and that o be eligible for this benefit, the card account ( s ) must be active through the time of statement credit fulfillment. 

This means Amex can force a customer into another payment of membership fees for charges made while a card was open and good standing as happened with me. If the statement credit has not posted by the time the next membership fee comes due, the customer must either pay for another year to keep the card open, or give up the credit charged at a time when the card was open and in good standing. Does not seem customer friendly to me- in fact seems directly intended to deny customers benefits earned in the past unless another annual fee is paid. 

On XX/XX/2022, I paid the fee for my XXXX XXXX using my Amex Platinum card. The charge posted and was not pending on XX/XX/2022. On XX/XX/2022, I decided to cancel my Amex Platinum card because Amex has increased the fee to {$690.00} - more than I am willing to pay. I have, however, paid historically paid the fee for the card for at least two or three years. Nonetheless, Amex intends to deny me a statement credit because my card will not be open at the time they post the statement credit - which they can delay for as long as they want. This is unacceptable. They would have no problem posting pending charges to my account after it is closed, It seems to me, I should also be entitled to statement credits for for benefits that were available to me while the card was open.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair
practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I hope this is not too long ago, but I am sure Chase Home Finance has not changed their policy in handling customer complaints. In 2010 we applied to XXXX XXXX to refinance not only a mortgage with Chase but also a credit card and a XXXX land loan. However XXXX XXXX discovered a problem with the Title on our property. In order to fix it documents were needed from Chase. The initial request for those documents was sent to Chase on XXXX XXXX, 2010. Despite multiple requests from our Attorney, from the XXXX XXXX and from us, CHASE simply would not respond at all. It was not until XX/XX/XXXX that we finally got Chase 's attention and even then it was 21 days later before we received the needed documents. This caused us to totally miss our deadline for the new loan, incurring costs for new Appraisal, additional Closing costs and lost interest savings. Attached is a letter that explains it better and details the loss which I calculated to be {$2600.00}. I hope this is not too late to get this remedied. If nothing else you should check Chase 's compliance on handling Customer Complaints. I checked " Applying for the loan '' below because it was during our application with XXXX XXXX, however our problem was not with XXXX XXXX, but with CHASE who would not cooperate with us when trying to payoff their loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I have had my Wells Fargo credit since 2019. I was told that Wells Fargo reports my credit history to each credit report bureau, however, credit bureaus didnt have my credit card on my profile for a long time and after several complaints and investigations, I was able to fix this issue with XXXX and XXXX XXXX Both have my credit card on file and update my credit score. Unfortunately, its been a while now XXXX cant solve this issue with XXXX. It still doesnt have my card on my profile and hasnt updated my credit score. They keep saying that Wells Fargo never reported it and Wells Fargo says that they report it. XXXX assures me that theres nothing they can do about it and that I should solve this issue with Wells Fargo. At this point, I am not sure what I should do. This situation affects me negatively in many ways and I want it to be solved. Thank you!
Product: Debt collection

COLLECTION PROF entered a collection in my name on XX/XX/20 of this year for {$13000.00} on behalf of XXXX. However, I was never seen in the medical center, nor were any of my dependents. I have reason to believe this is FRAUD. I would like it removed from my credit report immediately please. 

COLLECTION  PROFESSIONALS  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card

On XX/XX/2023 approximately XXXX dollars was used at a XXXX and later a XXXX on a stolen US Bank credit card after thieves had taken my hidden phone and wallet after breaking into my car. US Bank only sent a text trying to confirm the purchases, despite it being way over my credit limit. Later after calling to claim the purchases as fraud they then told me they marked it as fraudulent and debited the money back to be. Then without sending an email, text, or call reversed the decision and charged me that fraudulent amount on XX/XX/2023. I appealed the decision on XX/XX/2023 and over the phone on XX/XX/2023 but they denied my appeal because I hadn't filed a police report nor an insurance claim on the broken car window ( which I explained would've increased my insurance and was cheaper to pay out of pocket ... I also have the reciept for the new car window ), despite the constumer service rep agreeing on the phone that the spending on the card was out of character for my spending history. The rep spent 2 minutes determining her decision and based it solely off not having the police report/insurance claim, there was no attempt to check the signature at the store nor look into previous spending habits. I offered to demonstrate that XXXX XXXX XXXX had deemed the spending on my other card as fraudulent but that attempt was ignored. I have reciepts for insurance filed on my stolen phone, reciepts on the broken car window, and clearly the merchant should have a wrong signature used at the store but none of these were used to verify my claim. I was charged the fraudalent amount without any attempt to reach me electronically.
Product: Credit reporting or other personal consumer reports

I am formally disputing the hard inquiries reflected on my credit report which were added without my consent, pursuant to section 604 of the fair credit reporting atc ( 15 U.S.C 1681b ), there are specific permissible purposes requered to report a hard inquiry on my credit report. I did not authorize these hard inquiries and I do not find any permissible purpose under this section that justifies their presence on my report. please DELETE HARD INQUIRIES *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries XXXX  Inquired on XX/XX/XXXX and 1 more XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXnquired XXXX XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX and 1 more EXPERIAN Inquired on XX/XX/XXXX and 46 more EXPERIAN Inquired on XX/XX/XXXX and 20 more EXPERIAN XXXX Inquired on XX/XX/XXXX and 31 more EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX I Inquired XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months back I discovered that my social security number had been compromised and used to create what police told me was a " shadow account '' which is when bits and pieces of different peoples info are aggregated to create  XXXX  new false identity. I went through the process of fixing this by working with the police and the  XXXX  major credit bureaus.     Recently I was trying to secure financing for a purchase. I am currently sporting a  XXXX  credit score, and have just under {$50000.00} in lines of credit ; I 'm in pretty good standing. However, upon credit check I was denied as Equifax told the financier that I ( for all intents and purposes ) did not exist. Upon reaching out to Equifax they determined that this was indeed the case and told me to reach out to my banks. After speaking with  XXXX   XXXX  and  XXXX  they both told me that not only were they reporting all of my information correctly to    Equifax, but that they were also able to see my credit report from Equifax o n their end.     I thought to myself " well great, everything must be fixed '', but decided to do my due diligence anyways and called Equifax. Once again ... I was not in their system and they instructed me to send in a fax with a copy of my social security card, and driver 's licence.     Simple enough!     I did so and allowed for  48 hours to process as they had told me. I called back in two  business days later and was told that the fax did not have my contact info on the cover letter so they could n't accept it. Sweet.     I go ahead and get all my information together again and send it over via fax and this time was told that the images were not legible ... Mind you, the images took up a full half page of printer paper each so I found this odd since the cards were probably about  10x t heir actual size. No matter! I 'll blow the images up even bigger ( also mind you I could read every single number on the license and social card on my iphone  XXXX  which has a  XXXX  inch screen without my glasses on ).     So I blow the images up even larger AND attach a  XXXX  page   XXXX   credit report AS I WAS ASKED TO and call i n three days later to be told 1- we still ca n't read the social or licence 2- we did not receive the   XXXX   credit report 3- you 're going to have to just send it through mail and w a it 30  - 60 days for processing I 'm a younger guy so maybe I 'm just not familiar enough with fax machines ... but what kind of ink are you guys using that is SO hard to read?     Additionally, why is it that   XXXX   and  XXXX  have no issue whatsoever verifying my identity but you guys are incompetent in this matter? Without a doubt  XXXX  of the most absurd processes I 've ever been through and I genuinely left out half of the other ridiculous nonsense ( like the fact that the call center rep has to put me on hold for 15-20 minutes while finding the physical print out from the fax machine ) in the interest of time.
Product: Debt collection

For the past week beginning XX/XX/19 National Credit Adjusters has repeatedly called my work and personal phone during the day. I am typically on the phone most of the day so I have not picked up the calls. They leave no message but I do not have any outstanding debts or debts that would have been turned over to collections. They are harassing me. I am afraid to pick up when they call because everything I have read states that they are verbally abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Back In XX/XX/2019 I had a late fee from XXXX XXXX. I called right away and the late fee was to be removed. It has now been to months and the late fee has not been removed. I have always paid on time and have called XXXX  again which they assured me it would be removed. From looking at my credit report it appears it was never removed.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX
Product: Credit reporting or other personal consumer reports

My car loan with XXXX XXXX XXXX was paid in full back on XX/XX/XXXX and a payoff letter was sent to my to verify. I then submitted a dispute with Experian so they would proceed to review/confirm and update this on my credit report. They had enough time to simply resolve this issue and I verified with XXXX they communicated this info to all 3 bureaus. 
Because Experian did not perform their due diligence my total debt has increased to {$100000.00} due to {$43000.00} not being erased from my debt. Now XXXX has reported the new vehicle I have ( no longer have the XXXX ) and an additional {$33000.00} has been added which is all that should be reflected as a installment loan. So my score has dropped my debt increased and its affecting my credit, its unfair inaccurate and I am very dissatisfied with these terms of action.
Product: Checking or savings account

I filed a dispute with Bank of America for a transfer via XXXX  one in the amount of XXXX and one in the amount of XXXX. I thought I was buying a kitten and it turned out to be a scam. The money was transferred from my bank off America credit to my checking account and then via XXXX. The scammers had multiple websites sending airport way bills and airplane schedule for the cat delivery as well as the actual website. additionally, the fraudsters name popped right up in XXXX before I had finished typing it in so they obviously use it and XXXX is not stopping the fraud. I discovered it was a scam and immediately contacted both Bank of America and XXXX. Neither asked for ANY of the documentation. I have 20 emails. Numerous text messages and phone calls but the bank did not look at any of and sent a letter denying the claim. It is my understanding they are required by regulation e to do the research into the claim. They asked only for one of the websites. They were uninterested in any of the emails, text messages, phone calls or the other sites. Additionally, Bank of America continue to promote using XXXX, which they partly own and obviously profit from, while not having XXXX  control, warn or delete known fraudsters and neither company claims any responsibility over the transactions they are making money on. I discovered through research that the fraudster is listed at fraud sites and XXXXbank of America should have known snd removed the fraudsters ability to use their system. They have responsibility if they are going to push this service to be sure they are controlling fraud. 
Thus happened on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Based on the information vou provided, our records indicate my personal information was impacted by this incident XXXX XXXX BREACH please remove on my credit report
Product: Checking or savings account

On XXXX I deposited a government check into the atm. Unfortunately I was told the check would be held for 12 days..until XX/XX/19. The explanation given was that BOA has been experiencing fraud lately. I dont have a history of returned checks on this account. I dont write checks on this account at all. Im getting the run around about the check being posted and customer service is unavailable bia telephone. This is a disgrace. I have 4 other bank accounts and this is the worst. I will be closing my account once this check clears.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding in accuracy on my report. Despite my submissions, Equifax Respond within XXXX hours stating Accounts are accurate without providing any evidence of a thorough investigation. This practice violates the fair credit act XXXX XXXX XXXX XXXX which a reasonable investigation of my dispute. Furthermore, XXXX actions may contravene The consumers financial Protection act. As highlighted in the CFPB recent administrative proceedings ( XXXX XXXX XXXX XXXX  ) against them for similar violations. I request equifax compliance with the federal law and provide consumers with the necessary proof of investigation
Product: Mortgage

XXXX states I owe today, {$1600.00} after I was approved for deferment onXX/XX/XXXXin the amount of {$970.00}. I am currently today behind 3 months owing {$1000.00} which I just paid {$710.00} towards that amount. Speaking with rep today, he informed me that the additional {$680.00} are misc fees from my previous services ( XXXX, XXXX ) between the years of XXXX. My complaint is when my loan was transferred in XX/XX/ these fees were never disclosed. When I received this deferment in XXXX non of these fees existed, were not on my billing statements nor disclosed in any manor. Now I have almost {$700.00} in unexplainable additional fees from other servicers per the XXXX customer Service representative. I believe XXXX is attempting to collect money not owed to them. If I received a deferment in XXXX all fees should ha e been disclosed. 
And finally they are reporting to the credit bureau Im always 30 days late because of these additional fees. Illegal.
Product: Credit reporting or other personal consumer reports

Unauthorized inaccurate reporting abusing my rights under FCRA LAW
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX