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

I had an American Express Business Platinum card. I requested to close the account on XX/XX/XXXX. The customer service did not inform me that I would be losing my points. Nobody gave me advice on waiting until the anniversary of my card which is XX/XX/XXXX. 

After XXXX withdraw my points back without letting me know in advance, I requested to re-open my card which was completed on XX/XX/XXXX. 

Given my card is active I would like to get my points back. I already paid a full year annual membership fee. I already made more than 13k spent on this card. In their response to my complaint from CFPB they acknowledge that their practices are subpar where they don't acknowledge what happens when you close the account. They don't read a fine print instead they say the customer should know it when they open the account which is 11 months ago in my case. Same old trick of putting things in to fine print and expecting people to remember. 

How Amex is treating a loyal customer since XXXX is beyond explanation. I like the benefits of the cards and continue to use it. But even though I have been paying my balances full every month and they chose to kick me out from the platform. 

Today I got another surprise. When I logged on I see all my cards are cancelled, personal and business, total of 4 accounts. Again I called customer service to complain about the cancellation. The person decided to cancel all my cards without reading me any fine-print, without asking me if I approve or not. She went ahead and cancelled all of them because she got XXXX at me. 

It seems very clear to me that Amex is putting me into a black list and trying to give me a lesson. If Amex is treating a customer since XXXX who has never had a late payment, imagine how it treats other. 

Thanks, XXXX
Product: Student loan

I had private student loans through XXXX XXXX. They got out of the student loans business and sold the loans to Firstmark Services. They notified borrowers of this change on XX/XX/XXXX. 

I reached out to them on information on how I would be able to put in a request to discharge my private loans for The XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The XXXX XXXX  were a for-profit college that permanently closed its doors on XX/XX/XXXX. Along with a number of other schools, they were accused of predatory student loan practices that falsely guaranteed employment opportunities for students. 

On XX/XX/XXXX final approval was given for borrower defense for schools that would allow a full discharge of federal loans. 

I believe this should be applied to private loans as well. I still owe {$21000.00} in private loans for a degree that is no longer valid, since it can not be verified due to the school no longer existing.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I continue to receive phone calls from XXXX. When I call back they answer " XXXX '' They are looking for someone else. I have told them NUMEROUS times I am not the person they are looking for and to remove my cell number from their records. They always say they will and then the phone calls continue. this has been going on for six months. When I call back they will NOT give out any info on the Company making the calls and Hang up on me!
Product: Student loan

This is a federal student loan that was taken over by Nelnet mid-XXXX from XXXX. 
When I was checking my credit report today it stated that this loan is in forbearance as of XX/XX/XXXX. It is NOT in forbearance nor did I request a forbearance. I have never requested a forbearance on any of my student loans and have never had a late payment. The report also shows 13 % of payments were on time. They have only been my loan provider since XXXX of XXXX and it clearly shows they were all on time. Anything prior to that shows as " no data ''. They had previously used this excuse to raise my interest rate. I reported this mistake to them too and they have refused to fix it. My records are very clear about payments and this shouldn't be a difficult problem to fix.
Product: Bank account or service

I sell things on Ebay on consignment. The only payment method available is Paypal. I have a new account, and Paypal holds my ebay funds per their policy. On XXXX at XXXX XXXX I noticed that the withheld funds on the transaction page was significantly short of the actual hold amount displayed on the home page. I counted XXXX that was different from what they said was on hold on a per-item basis. They have over XXXX on hold from Ebay, and my money is not being released per their own policy. I have called and tried to get this corrected, but after a 45 minute call, I got hung-up on. They are collecting interest on money that was supposed to be released to me. I need that money to pay my consignment customers. After a long phone call, followed by another, I believe their system is messed up, and is causing me problems with my business. There is a whole bunch of money that I ca n't get access to. I have downloaded a report of all the transactions to date for the entire time this account has been active for Ebay. I think they have made a mistake with my money and now I am the one who is loosing money and customers for their mistake. I ca n't get them to help since after they figure out this is their fault, they hang up the phone.
Product: Credit card or prepaid card

I opened card with Capital One in XXXX. I made payments on time and had a very good credit report. XXXX XXXX  I fond out that there had been fraudulent charges on my account. I was told my account was frozen. I have not been able to get statements or have access to my account. I have written letters and made multiple calls to Capital One in the past 8 months and still no statements or information about my account until they could " verify '' I am who I say I am. On XX/XX/XXXX I was finally told that my information has been verified and was allowed to be informed what was going on with my account. I was then told that {$5000.00} has been added to my account in late fee 's, interest and charges that I don't agree I made. I attempted to log into my account and I am locked out. I have requested assistance in getting my state ments. No one that I have spoken with is able to get me access. I have been told twice my statement s are in the mail, but yet to receive them. I have receive bill via e-mail stating that over {$3000.00} is due before XX/XX/XXXX. I have spoke with multiple representatives for the fraud and to complain. I have been told that I would receive a call back concerning my account and not receiving calls back. When I do call back, I am on the phone for 1-2 hours repeatedly answering the same questions and told they can not get me back to the representative I recently spoke with even when I tell them there name and contact ID. I am willing to pay on the charges that I charged. However as I was told that My account is frozen and I receive no communication from XXXX XXXX XXXX  on the progress of my account, I will not be responsible for late fees and interest rates. I believe that I should have my account summary to review the charges on my account is made Because my card # is requested I want to add the only card I ever received ended in XXXX. My identity has been associated with a card ending in XXXX, XXXX, XXXX from the conversations with Capital representatives. My identity was also associated with a bank account and the e-mail bill I did receive for {$3000.00} due XXXX is for the account ending in XXXX. No other # s and never received a card
Product: Credit card or prepaid card

I am trying to review all of my current and past account and was requested statements from Barclays they keep giving me a run around. I tried calling in numerus times to order the full statements for this account and they will not send them they just sent me one month. When I received them and called back again to try to reorder them I got a call from " manager '' saying they couldn't help me. I then received a little saying the samething.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : credit acceptance XX/XX/2020 has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Personal Information Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : Rent Recovery Solution In the amount of {$50.00} I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute. 

XXXX XXXX
Product: Credit card or prepaid card

I had an issue with my bank due to a fraud alert on a check I deposited. This alert caused funds to be rejected and payments to be reversed. After spending a half day on the phone and going to the bank I was able to resolve the issue and have the funds cleared. However, because of this I was charged seven {$29.00} returned payments fees for payments less than {$29.00}. I called American Express and explained the situation, but no one wanted to listen or help. If had extra money sitting around this would not be a problem but I can barely make my payment. Can the CFPB please help?
Product: Mortgage

OnXX/XX/XXXX, I responded to an email Quicken Loans to refinance my current mortgage. I have an existing mortgage with them and have been with them for the past few years. I was going in for XXXX  and wanted to consolidate some debt and possibly pay for the XXXX. We started communicating via email. On XX/XX/XXXX I stated via email that our home was worth between 260,00 and 280,000. On XX/XX/XXXX he emailed back the XXXX ARM details about the cards that would be paid off, the monthly payment, and stated we would need to bring some money to the table, but not stating what amount at that time. and of course asked if we were interested. Later on XX/XX/XXXX I reviewed the email again because in that quote there was a {$7500.00} rolled into the loan and I did not understand that. I also wanted to know if it would be possible to roll {$9800.00} into the loan because of the costs of the XXXX. I had also stated that I am not 100 % comfortable with an ARM. He responded onXX/XX/XXXX that {$7500.00} was going to be rolled in so there would be no money out of pocket and the only way he could make things work with the {$9800.00} was if the appraisal came back at XXXX. On XX/XX/XXXX my husband and I decided to go ahead, but then things changed when I saw the paperwork online. All of a sudden, we had to pay off several cards as of XX/XX/XXXX. This he said was because if we didn't do that, we would not qualify for the loan. I stated that I am not comfortable paying XXXX  dollars of credit cards in a month and then coming up with my mortgage payment to qualify for this loan. His resolution was getting his director of mortgage banking take a look at it on XX/XX/XXXX. He said they could work it out so we only had to bring {$500.00} to the table for closing. There was nothing stated as of XX/XX/XXXX that the appraisal had to be XXXX. We had agreed to go forward with the option of bringing {$500.00} to closing. We proceeded onXX/XX/XXXXwith providing the signatures and documents needed for the loan.

On XX/XX/XXXX the appraisal was done. On XX/XX/XXXX I was notified that our loan had been referred to a loan specialist consultant. Basically, the appraisal did not come back as high as the 290,00 that the original banker thought it would. On XXXX I spoke with this " specialist '' and realized they had built a loan around 290,000 ... when I had stated XXXX was the highest. I was quickly referred to A Resolution Advocate that put words into my mouth and clearly did not read the emails because she stated she was sorry for poor communication and wasting my time, but she would mail me a coupon on XX/XX/XXXX. The numbers were falsified so they could con us getting into a loan and take our money. It was a waste of time and a coupon is not going to fix it. I was lied to and led to believe this was something that could happen when they drummed up numbers. I knew our property was only worth XXXX  ... .the appraisal came back at XXXX ... I NEVER asked to have a loan drummed up with the appraisal value of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute inquires listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX that are result of Identity theft, I have called all the companies with no help and i also mailed transunion and called with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} 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

I have an auto loan from PNC BANK, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called PNC BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and PNC BANK with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX - I have sent the attached document as the official proof of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  application, quite a few times. I have sent several letters, via my document portal, informing you that I applied for the XXXX program. I have called 4 times & spoken to 4 different representatives, verbally informing you about my XXXX application. This is very frustrating, stressful, & time consuming. My application status is currently : Pending Approval. You incorrectly reported to the credit bureaus that my account is closed. It is not. Please correct this status. For the 3rd month in a row, XXXX XX/XX/XXXX, You all reported to the credit bureaus that a foreclosure sale has started, but that is untrue & illegal. I received an alert about you reporting these this information to XXXX. This has continuously & drastically drops my credit score, reports negatively to my credit files & causes me extreme stress. Today, because of you CLOSED my account, my XXXX and TransUnion credit scores dropped XXXX POINTS!!! Because I have applied for the XXXX XXXX  XX/XX/XXXX, by LAW, I am protected under for the XXXX XXXX, under the DC Law : D.C. Act 24-379 : This means, a foreclosure can not be initiated nor filed. You are consistently ignoring & breaking this LAW! Please correct my credit file. My account should be in OPEN status and all foreclosures are prohibited. Please remove the Foreclosure status from my account, as well.
Product: Vehicle loan or lease

hello I'm paying for a car loan too much interest of XXXX dollars a month just a little less than 50 % goes to the balance of the loan or is of interest charge XXXX dollars I've been paying almost a year XXXX and my balance shows that I paid just XXXX dollars Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I paid my XXXX car payments that were late. On XX/XX/2022 there was a notification on my TransUnion Credit Report that my balance decreased by {$640.00}. Then on XX/XX/XXXX I recieved a notification that my credit score decreased and that my car loan increased {$640.00}. That is not true or correct at all, I disputed it with TransUnion at first and they said the information reported was correct- it is not. I have bank statements and my loan balance to prove so. I then called my credit union ( XXXX XXXXXXXX XXXX XXXX XXXX Ohio ) who I loan through, they said they had no control over it and they report the info on the first of every month. If that was reported correctly it would show my balance was decreased and paid, I paid the balance on XX/XX/2022. Now my credit score continues to fall behind due to their negligence. I filed another dispute and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested the following information from XXXX XXXX XXXX XXXX. This is the second attempt 1. The bill of sale between XXXX XXXX XXXX XXXX and buyer. Never received any Notice of Deficiency. 
2. How were the amount calculated expenses incurred in retaking vehicle on a account filed in bankruptcy ( Chapter XXXX )? 
3. The amount generated of the amount of credit to my account. Including any payments received since date of item # 1 above other credit to which is entitled, including rebates on rebates. XXXX or credit services charges or ancillary products such as a Gap contract of XXXX 4. Do your company have a license to practice in Pennsylvania? If so, please provide the number? 

Made several attempts to correct this issue with your company. The investigation was concluded which your company arrived this erroneous decision. In addition, requesting all contact information of employees who took part in the process.
Product: Mortgage

Since I have over 22 % equity in my home, I no longer am required to pay mortgage insurance. I requested to have the mortgage insurance cancelled, but Caliber denied the request without providing an explanation. Also, since I have over 22 % equity in my home, it is no longer a requirement that I make escrow payments to Caliber for homeowners ' insurance. I requested Caliber to stop charging me for these escrow items. On XX/XX/XXXX, I spoke to an employee named XXXX. XXXX said that Caliber will continue to change me for the escrow items, to include the homeowners ' insurance and that my request to discontinue escrow payments has been denied by the management of Caliber Home Loans. XXXX 's operator ID is XXXX. I asked XXXX why the XXXX homeowners ' insurance payment was not made to the insurer, XXXX XXXX. XXXX stated that Caliber Home Loans is going through bankruptcy and payments to all insurance companies had been suspended indefinetely. Despite faithfully and consistently making the escrow payments throughout the year, Caliber did not pay the homeowners ' insurance. The homeowners ' insurance was cancelled by the insurer with an effective date of XX/XX/XXXX. I had to pay the premium of {$2100.00} to XXXX XXXX out of my own pocket.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 hard inquiries from the month of XXXX from NAVY FCU ( Finance ). I have never given permission for them to pull my credit nor do I know this company. The dates are XX/XX/2022 ( XXXX different times ) and XX/XX/2022. When I tried calling the number listed, it goes to a recording of an invalid number " your call can not be completed at this time ''.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$500.00} XXXX XXXX Balance {$590.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$740.00} XXXX  XXXX Balance {$55.00} XXXX  XXXX Balance {$620.00} XXXX XXXXXXXX Balance {$740.00} XXXX XXXX XXXX  XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX Balance {$820.00} XXXX XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$740.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$390.00} XXXX XXXX CO XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$89.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$180.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account XXXX to the breach that occurred in XXXX. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 


Account Name : None ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX  XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account