23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Issue is with payment to Amerihome Mortgage. 

We attempted to make a direct bank payment via their web site from an account with well more than sufficient money to make the payment. We received an email saying we had paid, on time, for XXXX. A month later we began receiving mail about a missed payment. 

The payment had apparently been reversed a week after it had been submitted. Multiple contacts were made to the company, hours on the phone, nobody could tell us what had gone wrong or how to correct it. Their only advice was " try it again ''. The third time, it just worked, and nobody could explain why. 

The next month it happened again. This time we tried two different bank accounts. Same issue - the web site/email said the payment went through, and it was " reversed '' to no explanation 10 days later. It seems clear there was a technical issue with their web site - these issues began after they made major updates to it. 

We then tried sending a paper check. We were told over the phone that we weren't allowed to send paper checks because of multiple reversed payments, and now had to mail money orders. 

We have the money to pay, and we are potentially going to have damaged credit despite that because their web site has technical issues.
Product: Credit card

I previously filed a complaint for charges made by Citibank to my credit card for credit protection fees. My complaint number is Case number XXXX You indicated that Citibank issued a credit to me for {$30000.00} What Citibank did was issue this credit which brought my account to a negative balance but Citibank Still charged and collected {$8400.00} in payments and charged {$6200.00} in interest on a negative balance. Then charged XXXX for new credit protection. 

If you take the credit and deduct new charges and collections by Citibank the credit they issued is only {$14000.00} Look at the attached summary numbers are in black and white. Citibank still owes me more than XXXX in credits. Please assist me in collecting these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX. XXXX, XXXX and XXXX XXXX, XXXX, CITIBANK NA., BEST B add a hard inquiries on my credit report per XXXX  XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance : {$67.00}, XXXXXXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$210.00}, XXXX XXXX XXXXXXXX Balance : {$72000.00}, XXXX XXXX XXXX Balance : {$61000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX, XXXX, XXXX and 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 XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX
Product: Money transfer, virtual currency, or money service

I have the Juno/ XXXX bank account since XXXX. Since XX/XX/XXXX, they suddenly froze my account and stopped the automatic payment and ACH transfer without any notification ahead of time which caused a lot of problems. I have $ XXXX in the account. I am wondering when I could withdraw my money?
Product: Money transfer, virtual currency, or money service

I sent XXXX $ in XXXX via Coinbase and instead the website showed that it sent the entire balance of my XXXX wallet which is {$15000.00} to another address. 
1. the confirmation web widget showed a balance in XXXX XXXX which is abnormal since it showed a transaction in XXXX XXXX 
2. I received no email confirmation which is also abnormal since the account was setup to send confirmations. 
Both 1 and 2 point to a problem originating from Coinbase servers. 

Contacted multiple times with these proofs, coinbase refused to : a. reimburse the faulty transaction b. show web log of the transaction c. answer why I didn't receive an email confirmation d. answer why the web widget showed a balance in XXXX for a transaction in XXXX
Product: Checking or savings account

Hello, Ive been on the phone and on the app with Marcus by Goldman Sachs regarding my savings account. Im attempting to withdraw from the account to my linked checking account. I initiated a transfer on Friday the XXXX XXXX XXXX  and was told it would take 1-3 business days to go through. After 4 business days, they cancelled the request and reversed the transfer. On the app they are not allowing me to make the transfer either and discussing it over the phone and with their online assistant, neither person was able to give me a reason why they couldnt make the transfer. Very frustrated at this point because Im attempting to pay for a car and was counting on the money being available within a week or so.
Product: Debt collection

I am submitting this dispute regarding a medical debt of {$2200.00} that has been reported to my credit file. This debt should not appear on my credit report due to recent policy changes banning the inclusion of medical debt information in consumer credit reports. 


Date opened XXXX XXXX XXXX XXXX  {$2200.00} no action taken
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account is a corporate business has been put on my personal credit report with XXXX, XXXX  and XXXX  without giving any notice.A/C # XXXX XXXX XXXX & XXXX # XXXX Fifth Third Bank Credit Card - I have my credit card stolen from my vehicle on XXXX XX/XX/XXXX. I did make a police report ( copy attached ) went to the Fifth Third Bank branch and made payment on this card through the bank officer and teller from my fifth third savings account ( account statement attached ) to pay my card on XX/XX/XXXX just to be double sure that all my accoutns are current. 
I Had some fraud charges on my Fifth Third Bank credit card account. 
I Informed this to the Fifth Third bill pay department over phone where all my credit cards, check book, with XXXX XXXX, Drivers License, wallet were stolen.This person was writing checks out of the stolen check book and withdrawing funds from my Business checking account. 
All Business accounts were frozen and Fifth Third Bank Bill Pay department put a freeze on all auto pay to my credit cards coming out of XXXX XXXX Checking account and forgot to Unfreeze it .They did agree that it was their fault and will be fixed ( the 30 days late payment, it will be removed from my credit report but nothing happened ) .I have audio Recording of Phone Conversation. 
Explained all this to the Branch officer via email ( see email copy ) .No action was taken resulting in my credit score being compromised and no other company was ready to lend me money and this stated a cascading effect. 

XXXX XXXX Credit card had been in deferred payments due to COVID-19 Virus epidemic and Tornado Disaster in XXXX XXXX County on XXXX XX/XX/XXXX. 
I spoke to them over phone on XXXX XX/XX/XXXX, XX/XX/XXXX and yesterday and they did mention that they will correct the credit reporting on all three credit bureaus on my credit report and remove the 30 days late to current. ( A {$200.00} payment had also been made from bank transfer as will will find enclosed in the attachments. 
S
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX XXXX XXXXXXXX. And Experian lowered my score. 

I still see old info from XXXX XXXX that I have not made payments. XXXX! It is paid off! Title is in there as proof!

Experian lowered my scores many times lately. 

Experian accused me for not making any payments when I already had paid on time using autopay with XXXX. Insurance policy was changed from XXXX  to XXXX. Experian accused me for not paying anything. 

Experian so lowered my score after EXPERIAN SUGGESTED ME TO use their matched credit card to boost my score. It backfired and then Experian lowered my scores way down! XXXX off!
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX  XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX 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

Experian has violated my consumer rights. They will not remove a XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 


i have reported done claims and police reports without satisfaction of the removal
Product: Credit card or prepaid card

American Express continues to approve my credit card applications and then before the card is mailed to me, cancel the card, claiming that I have " abused the error billing process. '' The accounts that they claim abused the error billing process were fraudulent and American Express has since removed them from my credit file ( per the attached response from an earlier CFPB claim ). 

That said, my applications are still being approved but then cancelled. I demand American Express rectify this on their end immediately and allow me to open a credit card, given the accounts they claim abused their error billing process have been proven to be fraudulent and have since been removed from my credit file.
Product: Vehicle loan or lease

XXXX XXXX,2017 checked my XXXX account saw a lien wage in the amount of {$190.00} did n't know who the company was, my job XXXX XXXX XXXX printed out documents I proceeded called the company the receptionist told me I need XXXX got on the phone very rude ... I speak say a cumming swear word she oh no mama you swear and hung the phone up in my face I called back receptionist laughed transfer me to XXXX again she did n't answer calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ) and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160, 162, and 164 ). 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Only reported to XXXX & XXXX XXXX I have a right to privacy under 15 U.S.C. 1681 Section 604 A Section 2 of the act, stipulating that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report today, I was shocked to see accounts that do not belong there, and I have no idea how they appeared. I check my report consistently, and this is the first time I have encountered such an issue. I tried refreshing my browser in case it was a display error, but the inaccuracies persisted. Because of this, I kindly request a thorough review of the documents I provided to ensure I no longer have to worry about this.
Product: Debt collection

I received a letter on XX/XX/XXXX that is telling me I am being sued for a credit card debt from XXXX XXXXXXXX that I have not had since XXXX. They state my balance due is XXXX. The letter states I must appear in court on XX/XX/XXXX. As an alternative than to appear in court I can pay XXXX.up until XX/XX/XXXX.
Product: Debt collection

This company has already tried to make a debt collection that I paid off, and won't give information unless I write them directly.
Product: Debt collection

Wells Fargo debt scam. They stole money from me and want me to pay overdraft fee I don't have.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 
<br> 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

<br> 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account. 

<br> COLLECTIONS <br> 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5600.00} -This is not my account. 
<br> 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner Finance illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer, to protect my non public personal information, were violated by Mariner Finance.

Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not gave consent to any consumer report agency to furnish my consumer report. 
Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Product: Credit card or prepaid card

I applied and received a Credit card from " Best Buy '' store. The interest rate/APR, I agreed was 6 %. 
The Credit card issuing Bank, CBNA/Citi Bank, has began to charge the APR/interest rate 25.24 %, since XXXX. They did not informed me. I appealed and requested to reduce the interest rate. They did not consider. 
My Credit Card Balance, on XX/XX/XXXX, was {$570.00}. 
It has increased upto {$710.00}, as I stopped payments since XX/XX/XXXX. 
The Bank did not accept/consider my request to reduce the APR reasonably or as I initially, agreed rate of 6 %. 
Further, There was a Fraudulent transaction, which has not removed from my account., and the CBNA charge the interest for that amount. ( I did not recognise the continued APR )
Product: Debt collection

American Express has two debts of credit of {$930.00} twice with two different account numbers for the same authorized user on my account. My account also has XXXX which is the only balance. I just found out about it after a year on XX/XX/19. I always transfer out of the United States with the first person that doesn't understand XXXX. I always have to ask the rep to transfer back to America. I asked them, to take it off immediately. Once transferred back to the United States, I was told it from another rep that I could not be taken off until they report to the credit b. report or 10 days after the backup team views the complaint. I was not told if that was business days. The card was never activated for the authorized user and his second card never came. Thank goodness there were not any purchases. This is why I don't understand why the credit b. put it on his credit report. This has reflected report account has been negative for almost 2 years giving him a spending rate of 38 %. Also, it has not allowed him to get an increase in credit because lenders don't like to like to see too many accounts opened within a year. He never opened an account with American Express he was just an authorized member. 
People, please watch or teach your young people to monitor there credit.
Product: Credit card or prepaid card

On XX/XX/19 I called Wells Fargo bank to try and settle a credit card balance I had, after holding for XXXX minutes I decided to hang up and call again.I still wasn't able to speak to someone, waited another XXXX minutes and agin hung up. ( I am a XXXX survivor and can't afford to get upset ), so this morning I called my mortgage person ( XXXX XXXX ) so we could hve a Three way conversation to try and resolve, but afer attempting again we spoke to three different departments and all they told us was ( HOLD ON WE ARE TRANSFERRING YOU TO A DIFFERENT DEPARTMENT ) .After and hour on the phone they told me that someone would call me back or e-mail me to resolve.I feel very upset that such a large company has such POOR COMMUNICATION and I may not be able to get my mortgage because of WELLS FARGO negligence.I have all the times we called and how many minutes we were on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed several fraudulent/unauthorized hard inquiries that I need to be removed. The inquiries to be removed are listed below : XXXX XXXX - XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX