23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> or thereabouts, I made by mistake a payment of {$5400.00} to my American Express credit card account. When I realized this erroneous payment, I immediately contacted American Express customer service and asked that my money be returned to my bank account by wire or ACH. I was told that policy did not allow that and that I would be issued a refund check with an explanation letter. This check was to arrive within XXXX business days. On XX/XX/XXXX my account reflected a credit of {$5400.00}, since my balance at this time was {$0.00}. 
I regularly monitored my mail but no check ever arrived. I then contacted American Express customer service again on XX/XX/XXXX and I landed in the XXXX. The first representative was totally incompetent lying to me by stating that a wire had been sent to my account ( false ) and that the check was sent ( dubious ). I then demanded to be connected to a supervisor. This individual was more knowledgeable and agreed that the situation was not acceptable. He told me that they would immediately cancelled the check and reissue a new one. I emphatically refused and demanded that the payment be made by wire or ACH. After some arguing, the supervisor agreed to a wire and I communicated to him my relevant bank information. I was assured that the wire has been approved ( a stark departure from the original statement of NOT POSSIBLE ). It was being processed and would take about 3 days to reach me. On XX/XX/year> with no sign of the wire, I again contacted American Express customer service and landed this time in XXXX. I immediately demanded to talk to a US-based representative. This was done after some arguing. The US-based representative had ready access to the file and fully understood all outstanding issues. He stammered that the wire has been processed on XX/XX/XXXX, an obvious lie - again - since the money should have already been in my account by that time. 
On XX/XX/XXXX, I called again American Express seeing that no money had yet been transferred to my account. The US representative shared with me that the wire transfer was not approved. Another blatant lie from what was told to me previously. And once again, a check was allegedly being sent. 
It is painfully obvious that American Express has been doing everything possible to keep my money for more than XXXX month without my agreement or any compensation. This is purely a willful fraudulent behavior and should be severely punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX Balance : {$100.00} ; XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$87.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$6600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/2019 Around XXXX I went to the chase Atm to withdraw XXXX from the Atm. 
The ATM did not dispence any cash, however upon checking with my financial institution XXXX was withdrawn from my account from the chase Atm. 

I contacted chase about the Atm malfunction the representative told me to chase doesn't no handled claims for customers that do not bank with chase. 

I then call a third time to file a reg XXXX claim and the representative advised that there was nothing chase can do. 

I would like to be refunded. 

Location ChaseXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX My Bank : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ACQUIRED MY CREDIT REPORT AND ASKED BUREAUS TO CHECK AND MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 30 DAYS AND RECEIVED MY INVESTIGATION AND NOTICE EVERYTHING WAS STILL THE SAME. THE CONSUMER REPORTING AGENCIES WHICH IS EQUIFAX, XXXX XXXX DID NOT MODIFY OR REMOVED ANYTHING. 
THE DATE OPEN IS NOT CORRECT, DATE LAST ACTIVE ISS NOT CORRECT ON ALL THREE CREDIT REPORTS, DATE OF LAST PAYMENT IS NOT CORRECT ON THR THREE CREDIT REPOTS. 
WHICH IS A VIOLATION. THIS IS IMPACTING ME FROM MOVING FORWARD TO BUYING A HOUSE FOR MY FAMILY. 
I ATTCH MY PREIOUS CREDIT REPORT TO SHOW HOW XXXX, EQUIFAX, XXXX VIOLATED MY RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Account Number : has violated my rights. Or a list of Inquiries : 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 an 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 or 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 reporting, credit repair services, or other personal consumer reports

It's not my inquiries, i never applied for this companies. I don't recognize any of this inquiries.
Product: Credit card or prepaid card

I filed a claim with my bank, Wells Fargo, back in XX/XX/2021. The dispute was a debit from my account in the amount of {$830.00} from XXXX XXXX XXXX AL where I NEVER received any product due to unavailability of furniture due to COVID-19. XXXX XXXX does not divulge the complete information until payment has been submitted -- gives a standard reveal that furniture will be available in about 3-4 weeks. This is not true because XXXX XXXX is accepting orders knowing full well that the furniture is unobtainable. Now, XXXX XXXX is stating it is entitled to my {$830.00} because it has a non-cancellation policy. This is not the issue -- I NEVER received any product nor was contacted to state that the product is available for shipment -- NEVER. Wells Fargo did an investigation and credited the monies back into my account ; however, WF is reversing that decision and debiting my account because XXXX XXXX is stating that " charges were made by you or someone who had your permission. '' XXXX XXXX is not entitled to the {$830.00} because this is a scam -- never received any product nor was contacted to state that the furniture was available as of this date. This is highway robbery.
Product: Consumer Loan

I had a 15 yr boat loan with Bank of America. In 2002 I had work issues and fell behind. The bank offered to grant me a 2 month extension so that I could get caught up. Some years I was offered the same 2 month extension since I had once again fallen behind. The loan has now matured, payments were on time and even extra was applied but they tell me that I owe the interest on the extensions. So the extension in 2002 I still owe the interest, which has been accumulating for the last 13+ years. My statements never reflected this in the amount shown due for the month. I even paid extra and the next month the amount due would be less than the original payment. Bank of America offers these extensions but never tells the customer that they will be liable until the 2 months are paid back. They just tell the customer that they will be put on the end of the loan. So at a little bit over a dollar a day in interest, they want me to pay them immediately {$4500.00}. I told the bank today that if the statement would have showed the accumulating interest I would have paid it off many years ago. This is such a shady way to do business.
Product: Mortgage

DO NOT GET A MORTGAGE OR REFINANCE WITH PENNYMAC LOAN SERVICES UNTIL YOU READ THIS! 

My husband and I got our original mortgage through XXXX XXXX. After five years, we received a notice in the mail that PennyMac was offering lower interest rates so we ended up refinancing in XXXX XXXX. We had asked PennyMac to to give us the same set-up as we had with XXXX XXXX, which was to include our home owners insurance to the monthly mortgage payments. They failed to do so, so we continued to pay the home owners insurance on our own. 

On XXXX XXXX, XXXX, I received a letter from PennyMac that they purchased home owners insurance on my property in the amount of {$4200.00} which they placed on my home in XXXX XXXX. Naturally, I called PennyMac to clear the situation up, but instead I was subject to being either transferred from department to department several times, with no one knowing what they were talking about, to being placed on hold for several minutes until I eventually got frustrated and hung up. 

I wrote a letter to PennyMac, and they said they reviewed my contract and it showed that I did n't have " Hurricane Insurance '' only " High winds '' and that I had let my homeowner 's insurance collapse. Not true ... ( Have all the documents to prove it and my insurance company faxed my documents to various individuals at PennyMac on several occasions to verify the same. ) Also at the time of closing, the Hazard Insurance Authorization Requirements form from PennyMac did not state that " XXXX '' coverage was an insurance requirement for escrow of funds. There is no right under the existing mortgage for PennyMac to collect insurance funds without notice to the borrower indicating these new charges. There was never any notice sent to us with regards to placing this insurance on our property either. In fact the insurance provided by us was deemed sufficient and there was no escrow requirement for hurricane insurance imposed upon this loan. 

On XXXX XXXX, XXXX, I wrote to PennyMac once again requesting for a master copy of the forced placed insurance policy and proof from PennyMac that the premium charged to me was in fact paid by PennyMac. There has been no response to this simple request. 

Finally, I was left with no choice but to hire an attorney. And every month they continue to spin their wheels telling us that it is in review status. I figured that I would first report them to the XXXX and Consumer Reporting. If they continue to spin their wheels, and not drop these ridiculous charges, we will be left with no other alternative but to sue PennyMac for unfair and deceptive trade practice as well as a Fair Debt Collection Practice violation. 

So I ask you? Do you really want to deal with these issues? Then consider this my gift to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian been reporting incorrect information in my report a contact them more of 40 times this past years a let them know open numerous disputes the account incorrect payment history incorrect different information reported each bureau lack of inconsistency past due Account status multiple charge off charges whem charge off account should stop reporting no more activity .2 account of XXXX 1 from XXXX XXXX XXXX XXXX XXXX incorrect information reported this 4 account have notable discrepancies.Experian in time record finishes disputes in less 5 days not really investigate just pretend whem is very clear
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are 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 **** Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$90.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$130.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to share my concerns about how Zelle handles disputes, especially after the recent lawsuit by the CFPB that points out serious problems with the platform. I've used Zelle many times and reported issues with transactions, but my bank and Zelle didnt properly investigate my claims. They told me that recovering lost money was impossible and that tracking the transactions couldnt be done. The CFPBs investigation shows that Zelle has failed to protect consumers and has allowed scammers to take advantage of the system, putting users at risk.
Product: Checking or savings account

Someone used my atm card to withdraw funds without my permission. I went to the bank and requested a copy of the recording so I an see who was withdrawing the funds they said it would take 10 business days. I waited the 10 business days. and went to the bank and they clearly showed me a picture of some young women withdrawing funds from my account. It clearly was not me. They filed a claim which took 15 days. The claims department denied the claim because she had my atm pin number. I have no idea how she got it but according to them it had to be someone who spent the night at my home and must 've gotten the information when I went to sleep. My husband and I both senior citizens and that never happened and we do n't have security cameras in our little apartment so for them to make that assumption was ridiculous they are refusing to answer the claim, I asked for a copy of the picture so I can take it to the police, apparently is not company policy for them to give me a picture of the thief. I am on XXXX and have had to borrower money to meet my bills the transactions are as follows XXXX-2017for XXXX, XXXX again XXXX twice and XXXX for the third time XXXX XXXX and XXXX XXXX for the 2nd time XXXX XXXX Please see attached bank statement maybe they could give you a copy of the picture that shows the woman who stole my money was no more than XXXX years old. Please help me retrieve my funds as bank of America is being unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that XXXX XXXX XXXX supplied to the XXXX national credit bureaus XXXX, Equifax and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to XXXX XXXX XXXX dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted XXXX XXXX XXXX  via phone but to no avail. 

Finally on XX/XX/XXXX XXXX XXXX XXXX acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to XXXX XXXX XXXX requesting them to correct the erroneous reporting. ( See attached my letter to XXXX XXXX XXXX  ) On XX/XX/XXXX XXXX XXXX XXXX sent me back a canned letter declining to make any changes. ( See attached the letter from XXXX XXXX XXXX ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to XXXX XXXX XXXX. 

On XX/XX/XXXX I got a response from XXXX that XXXX XXXX XXXX once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting XXXX  ) Copy of dated check sent for payment XXXX ) Copy of Postal Receipt XXXX ) Copy of my letter to TD Auto Finance XXXX ) Copy of the response letter from XXXX XXXX XXXX XXXX ) Copy of response letter from XXXX
Product: Consumer Loan

Chase Auto Finance refuses to let me make extra principal payments on my loan via online bill pay service from my bank. The demand that I either send a paper check or use there website for principal reduction.Online bill pay like i do on all my debts would result in them treating it as prepayment for future months. This prevents me from trying to save interest and pay down my loan balance faster.
Product: Credit reporting, credit repair services, or other personal consumer reports

unathorized use of my credit report by the companies listed below:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

calling me 6-8 times a day, even after hours ( XXXX-XXXX ) and on the weekends as far as I know business hrs are Monday to Friday XXXX to XXXX, I ve already responded to them about payment ( which is fixed ) but they continue their phone tacticts
Product: Debt collection

They have contacted me several times over the same debt that they have sold to various companies. I asked them to stop calling me on my cell phone and they have called my work also even after i told them to stop. This company has reported the same debt on my credit report 2 times for the same bill and will not remove them. 
Company : Debt Recovery Solutions Amount : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
I tried to make payment arrangements with the original creditor and they refused payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card at XXXX XXXX opened XXXX XXXX. A collection at XXXX opened on XX/XX/XXXX. A auto loan at XXXX XXXX XXXX on XX/XX/XXXX. A personal credit card at XXXX XXXX opened XXXX XXXX. A closed account at XXXX XXXX XXXXXXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I never gave your company permissible purpose 15 Usc 1681b this inaccurate information listed below has affected my livelihood 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

filed ftc report for unauthorized inquiries and for them to delete addresses that are not connected to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am sending a complaint today to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor items. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that you immediately remove this information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : TRANSUNION : XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX