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

My American Express Business Platinum Card was cancelled today, XX/XX/2022 by American Express. I pay my card on time and in full each month. My credit score is above 800. American Express justifies the closure based on a dispute I had with a merchant ( XXXX ) that was done on another account. That dispute ended in my favor. American Express charged me {$690.00} for 12 months of service ( aka annual fee ) on XX/XX/2022. They have not fulfilled their 12 months of service by cancelling this card, however they refuse to refund the annual fee. I have called American Express and tried to resolve this, and was transferred over seven times. Again, they have not refunded the fee. In compliance with State Law, I am requesting that the {$690.00} annual fee be refunded for services not rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times by phone in the past 6 months but whenever I call I am transferred to a vm. I am told that my file is being handled in a certain department because I am a victim of ID Theft. With that said, I never receive a call back and the fraudulent items remain on my credit. 

I had received an alert about two accounts from the same company that had been placed on my credit. I contacted the company and sent them a copy of my police report and they said they closed the account and could tell it was fraudulent. Transunion still reports the accounts on my credit as closed as well as two other accounts. 

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

COMMONWEALTH FINANCIAL ( XXXX ) {$240.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX  XXXX XXXX XXXX XXXX  XXXX ) ... grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. 
You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. These items are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX, XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I was told by my bank that I was denied for a loan based on information reported to them by LexisNexis. When I received my report from LexisNexis, it contained information from the previous business owners. I verified that the business had changed hands and I even have a different FEIN but they refused to remove the information. I've requested this on multiple occasions and because of them I have been denied loans to help my business grow. They sent me a full report in XXXX of XXXX which still contained the names and credit issues of the previous owners who are not associated with me. My last correspondence with LexisNexis was XX/XX/XXXX. They have not responded to further inquiries since then. I submitted for a new report on XX/XX/XXXX ( Ref # XXXX ).
Product: Mortgage

I am contacting the CFPB for help in dealing with my mortgage servicing company, Shellpoint Mortgage. My property is in XXXX, New York and I own three other rental properties in this same building but in XX/XX/2022, New York had a moratorium for landlords to not be able to evict tenants not paying. All the tenants in all of my properties stopped paying rent. The New York State moratorium was not lifted until XX/XX/2022. I contacted Shellpoint Mortgage to request the payments not made while on the forbearance be moved to the back of loan or the maturity date be extended by the numbers of months the loan was on a forbearance but I was told my loan is not eligible which I do not understand why the XXXX XXXX  XXXX XXXX does not apply to this loan which is owner occupied. I was told to submit an application which I did but Shellpoint Mortgage Said they will only differ few months not all the time while the mortgage was on forbearance. Therefore the loan monthly payment will increase Which will be above my means. I know I do not qualify for a traditional loan modification because the monthly principal and interest payment will increase. I am simply looking for a deferment under the XXXX XXXX  XXXX. Now, I can not even satisfy what they are looking for and will lose even more time pending foreclosure. Please help me so I can resume making my regular monthly payments with no arrears owed. I send them the usual monthly payment as per the original amount not with the huge increase that they are asking me for, I was told that that payment will be rejected and sent back to me.
Product: Checking or savings account

In regards to the attached transactions on my citibank account, citibank has FAILED to refund my money or offered any assistance as to the proper way to get my money back. 

I expected to receive an all-inclusive 4-night stay at XXXX XXXX XXXX for two adults, complete with roundtrip airfare from XXXX XXXX XXXX XXXX airport and XXXX Airport. The expected date of service was Monday XX/XX/2020 to Thursday XXXX XXXX. 
I made 9 payments for this vacation in the total amounts : XX/XX/2020 {$190.00} XX/XX/2020 {$260.00} XX/XX/2020 {$260.00} XX/XX/2020 {$260.00} XXXX XXXX {$260.00} XX/XX/2020 {$260.00} XX/XX/2020 {$260.00} XX/XX/2020 {$260.00} XX/XX/2020 {$260.00} TOTALING {$2200.00} The merchant, XXXX, posted a letter to their website on XXXX XXXX stating that they suspended regular operations. This letter also states that in order to receive reimbursement for the charge processed with XXXX you need to call and work with your bank DIRECTLY. 

XX/XX/XXXX. 2020, I made several attempts to reach XXXX by calling their customer service line +XXXX XXXX which was deemed invalid. No calls were being taken, the phone line had been disconnected. I also tried calling their Guest Services at XXXX XXXX which was also disconnected. 

On XXXX XXXX, around XXXX, I received an email from XXXX stating that THEY had gone ahead and cancelled my trip. They specifically stated Your resort reservation will be cancelled automatically. All cancellation fees have been waived. You will need to speak to your credit cards issuing bank for your options as a cardholder. 

On Monday XX/XX/2020 I checked my XXXX   itinerary and noticed cancellation refund popped up for XX/XX/XXXX and XX/XX/XXXX. I chatted with Citibank to verify if there were any refunds from XXXX on my account. I was told to wait 4-5 business days to see any changes. On XX/XX/XXXX, I checked my account and NO refunds had been given. 

I have made several dispute claims since with Citibank regarding the charges made by XXXX. No services were rendered, and the cancellation of my trip by XXXX means that no services will be rendered. 
At no point in the process did I, the customer, request to cancel the trip or any portion of it. 
Citibank has completely FAILED to refund my money or offered any assistance in the matter. At this point in time, I have sent Citibank 3 letters, as well as multiple pieces of documentation, proving that XXXX cancelled my vacation and stole my money. I never went on vacation! SERVICES WERE NOT RENDERED! I do not know how many times I have to explain the situation to citibank in order for them to understand that the services I paid for were not rendered, therefore I am owed all of my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is STILL reporting two inaccurate charged off XXXX  XXXX XXXX credit card accounts on my credit reports after numerous disputes. Both XXXX  and XXXX  have removed these accounts on the basis that the debt is NOT MINE, however they claim they have " verified '' the debt and account with the creditor. How are you going to verify the debt if it's not mine? The current charge off amounts are {$5600.00} and {$5900.00} all the way back from 2014. They have not furnished any proof whatsoever that the debt is in fact mine and continue to hold down my scores and from obtaining future credit. I will most definitely be taking legal action if they do not immediately remove these accounts from my report.
Product: Debt collection

Original Creditor : XXXX XXXX XXXX XXXX Date : XXXX XXXX Amount : XXXX $ Collection Agency : SIMONS AGENCY INC XXXX XXXX XXXX XXXX, NY XXXX Complain I talked with the billing department of the original creditor " XXXX XXXX XXXX XXXX '' several times regarding this bill. Everything in my account was paid in XXXX XXXX. 
Picture1 : I got the letter front the collection agency for a debt which does not exist. 
Picture 2 : A letter sent by XXXX XXXX XXXX XXXX showing XXXX balance.
Product: Credit reporting or other personal consumer reports

Dissolution of marriage in XXXX of XXXX. Wife stayed in home. Divorce decree states she was to keep home and fulfill mortgage payments. She had me sign a Quit Claim Deed. Chase Home Finance informed me after I discovered my name is still listed as primary mortgage holder on loan that I could not have my name removed from the mortgage unless the mortgage was satisfied by either a refinance by my ex wife or by the home being sold or the mortgage being satisfied by being paid off. It is my understanding that since I am the primary on the mortgage and a XXXX  using the VA Loan benefit on said mortgage, my name must be released from the mortgage and my ex wife can not benefit from the VA Loan conditions since I am no longer living there and she has taken possession of the home as of XXXX XX/XX/XXXX. I have not lived there since early XX/XX/XXXX. The Divorce decree was issued on XXXX XX/XX/XXXX. Chase Home Finance customer service has refused to take into account that the mortgage was a VA backed loan and did not make any effort to rectify this situation when I called twice. They did not investigate nor did they seem to comprehend my position. I have waited 13+ years trying to get this taken care of. Meanwhile, the mortgage amount has counted against my income to debt ratio when trying to buy anything. I can not buy a home of my own nor anything else of substantial value. She immediately moved in her boyfriend in XXXX of XXXX and of course he is not on the mortgage but is enjoying the home I built and I have been homeless twice since XXXX. This situation has caused undue hardship on my creditworthiness, financial stability and living conditions. I ask that this be investigated so that I can move forward financially and be able to take advantage of my VA Loan Benefit and purchase a home. I can not obtain a mortgage while Chase Home Finance and my ex wife refuse to adhere to the provisions of the VA Home Loan Agreement.
Product: Credit card or prepaid card

target red card sent me a letter on XX/XX/18 saying my account is closed which is so mind bothering i did nothing wrong i submitted my payment now they closed my account and this going to affect my credit score i asked them to let me submit letter from my bank but i keep getting hanged up on from over seas reps i feel discriminated from all of this i even made means right, i returned the items i bought to get back to my balance even made a payment at the store the other day please open my account back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of last year we have tried to rectify this with Regions bank. The Regions branch has had numerous problems since switching to a new loan service. I.E. duplicate account number incorrect payments posted and all sorts of issues. As an ex-employee of Regions bank, my office manager has more insight to the issues the company has than most. We have asked repeatedly for them to find a check that cleared our account for XXXX $ in XXXX that would have caught all late fees up. They refuse to answer and our find the missing funds. The account on the branch side also says current and not due till the following months when payments are made. We have already submitted one complaint to the CFPB that was half answered. Late fees can drag on an account but the account will still advance and show current. Regions has reported 2 months late that were in fact current if they would find their mistake in the missing XXXX check but also in the fact that minimum payments were made according to the branch.
Product: Checking or savings account

I opened a checking account with HSBC on XX/XX/2021 under the " {$450.00} Welcome Deposit in your new HSBC Premier checking '' promotion. I qualified for the promotion by receiving over {$5000.00} in direct deposits per month for more than three months ( six months so far ). When I chatted with HSBC this evening I was told that I did not qualify because I did not open the account through the offer page. When I was applying for the account I made sure to save to pdf the offer page from which I opened the account. Please find this evidence attached plus my submitted application, my chat transcript with HSBC, and my account transaction history since XX/XX/2021 which shows that I have met the requirements of the offer.
Product: Debt collection

My Name is XXXX XXXX, my email address is XXXX and I live at XXXX XXXX XXXX XXXX, TN XXXX. I am writing regarding the handling of my personal bank information by a debt collector. 

I received a call from " XXXX '' ( would not give her last name ) from Wakefield and Associates in XXXX, TN about a {$5.00} medical debt. The call was friendly and cordial and since it was such a small amount I didn't question the validity, I told her I would just go ahead and pay it. The trouble came when we discussed payment options and fees. She informed me that if I paid by credit card the fee was over {$5.00} and actually more than the debt and I could pay by electronic check. I agreed but to my surprise she already had my bank routing number and bank account number and simply asked for me to verify the approval of the payment. This is extremely bothersome to me, I have paid for over looked medical bills in the past and it is certainly conceivable that I have dealt with this company before and given them that information to pay for a debt however, I never expected them to store my bank account information. This is concerning for a multitude of reasons and while I am ignorant of the laws regarding debt collectors storing bank information I certainly do not want my information stored. 

Thank you for you attention, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate late payment reporting on my XXXX XXXX account ( # XXXX ) reflected in my TransUnion credit report. Despite two prior disputes filed on XX/XX/XXXX and XX/XX/XXXX, no corrections have been made to this account. The continued inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). The account also has discrepancies and errors in its reporting dates, payment history, and balance details, which are outlined below : Account Details : High Balance : {$38000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$18000.00} Account Status : Open Payment Status : Current Monthly Payment : {$680.00} Two-Year Payment History : Reflects an inaccurate XXXX late payment for XX/XX/XXXX. 
Discrepancies : Date Inconsistencies : The " Last Verified '' date ( XX/XX/XXXX ) conflicts with the " Date of Last Activity '' and " Date Reported, '' which should align. Such discrepancies violate 15 U.S. Code 1681i, which mandates accurate and consistent reporting.

Inaccurate Late Payment : The 30-day late payment for XX/XX/XXXX is incorrect and contradicts the payment amounts listed, showing no past-due balance.

Balance Details : The balance of {$18000.00} differs from the amounts reported to XXXX and XXXX for the same account. 
Relevant Legal Violations : FCRA ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct inaccuracies promptly.

TILA ( 15 U.S.C. 1666b ) : Mandates that creditors send periodic statements at least 21 days before the due date, ensuring no unfair penalties for consumers.

PAANL : Reinforces creditors ' responsibilities to provide accurate, timely statements to protect consumers from erroneous reporting.

Desired Resolution : Immediate removal of the inaccurate 30-day late payment from my credit report.

Written confirmation of the corrections made.

Assurance that this account will be reported accurately in the future. 
I have also submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to address these inaccuracies. If these issues are not resolved promptly, I will consider escalating the matter further, including legal action. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I had an XXXX account and called around XXXX of last year and settled my account because of divorce and they took it off my credit report and now XXXX company now says they have it now and it is back on my credit for XXXX and the account was XXXX? It is killing my credit? Please help me please I dont need anything else on my credit trying to pay off debt not get something taken off and then put back on again? Thanks XXXX XXXX
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 Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was made aware that Equifax placed an account back on my credit file which had been removed months ago, that account is : State XXXX XXXX XXXX XXXX. 

This is a fraudulent account and now it reappears on my credit file.
Product: Debt collection

The XXXX XXXX XXXX XXXX XXXX XXXX submitted a complaint to the XXXX XXXX XXXX for an alleged debt with private XXXX loan XXXX XXXX XXXX XXXX XXXX. I previously requested the debt be validated showing that XXXX XXXX XXXX XXXX XXXX shows that they are holding my original note/instrument.
Product: Credit card or prepaid card

For XXXX credit reporting for my account at Citi bank ending in XXXX was notified late. Currently this account is under a payment program due to high interest rates I couldn't afford. This debt reduction non profit agency has helped to negotiate the rates lower and I am able to make lower payments than normal. I have never been late on this account. In XXXX due COVID related issues with mail and employees at companies not working I was unable to get hold of the agencies or Citi customer service the website was down and customer service was saying not available at this day even though it was during the day. My account was literally 7 days late from the actual due date is the XXXX and I made the payment on the XXXX. Citi reported my account late 30 days! how is that 30 days late? IT WAS DUE TO A NATION WIDE PANDEMIC. A NATION AND STATE WIDE LOCK DOWN. Me and other us consumer are going to have similar issues. 

Even today their system doesn't report correct information. This is horrible for US consumers for not to have any controls over big corporations such as CITI. This is completely a system error. Citi computer online system reports incorrect information. Even today at XX/XX/XXXX, I contacted the representative on my Costco citi card. Online it shows PAST DUE AMOUNT {$40.00} PAST DUE DATE XX/XX/XXXX? Its not even XXXX yet. The representative stated I wasn't but systems do have technical issues. I have attached supporting documentation to show every month has been paid since XXXX.
Product: Credit card

On XXXX my Citi-Bank credit card was fraudulently charged {$480.00} by XXXX XXXX XXXX I did not authorize this charge. I beieve this to be a double billing for the XXXX XXXX XXXX I purchased on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in 4 montly installments on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, my final payment was charged and I received an email from XXXX saying my subscription was paid in full for the year. It is impossible to speak to a person at XXXX. They do not respond to phone calls, you are rerouted, or email. Chatbot is ineffective. I filed a dispute with Citi-Bank and forwarded all the information they requested. They want more of which there is no more. I have given them all the facts. I have talked to XXXX XXXX and a supervisor named XXXX. They will not give their last names. XXXX said it would be resolved no later than XXXX. I never heard back form Citi-Bank . By law they are supposed to give me a reason in writing what the charge was for, but they have not done so. I have included documents showing confirmation, charges and receipts.