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

On XX/XX/2021, I became aware that my account ending in XXXX was closed due to inactivity. I began a chat session on the American Express app and was told to call XXXX to have a customer service rep assist me in reactivating my account. Upon calling, I spoke with a customer service rep who began assisting me in reactivating my card. They asked for general security information ; name, address, phone and last 4 of social security number. A few moments later, they came back on the line and informed me my card had been reactivated. They asked if there was anything else they could assist me with and I said " yes ''. I needed them to order me a replacement card because I no longer had access to my previous card for this account. They acknowledged my request and put me on a brief hold to start the reorder process. A few moments passed and they came back on the line asking for security questions again, this time for my full social security number and income. I felt uncomfortable providing this information as it felt like they were submitting a new application for a credit card, which I had not authorized. They said I could call back later and speak with a different customer service representative to complete this process if I'd like. Instead, I asked to speak with a supervisor. Again, a few moments passed and they came back on the line stating their supervisor was on another call and would call me back ( no timeframe given ). They also stated that after discussing my scenario with their supervisor that I was indeed applying for a new credit card account ; after they had already confirmed I was not opening a new account. I reiterated this was not authorized and that I only wanted to order a replacement card for the account they had just reactivated. I am filing a formal complaint with the CFPB as I believe I was treated unfairly into thinking I was only ordering a replacement card when in reality, I was applying for a new card. Fortunately, I became aware of the situation once asked for my full social security number and income and did not proceed with the process. I believe the customer service representative actions were deceptive in the fact that they used unscrupulous sale practices in order to sign me up for a new account.
Product: Debt collection

I do not know this third party debt collector I've never met them nor talk to them nor have I signed a written agreement or made any transaction with them and they have violated mind right by not giving me the option to or letting me know I could dispute it. I have not gotten a copy of the contract that I have signed with this collector it has put me under stress and sleepless nights trying to figure out how I owe this company money when I never have met them or I know anything about them this is against the law by not providing me an original signed contract. This needs to be taking off my credit report because if it's inaccuracy
Product: Credit reporting or other personal consumer reports

Its reporting on all three credit bureaus! I never been late not have any collections
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the inquiries listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the inquiries below in my file XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

My name is XXXX XXXX XXXX. This issue with a Loan Till Payday account was previously reported to you for collection practices, etc. I had a pay day loan in 2013. At the time, I banked with XXXX XXXX, who advised me that pay day loans are not good, and in the end XXXX closed my bank account, it was involuntary. In the interim, I made payments to the agency. XXXX and XXXX were the primary contacts. On the last payment, due to the fact that I told him I was coming in to pay cash, and they withdrew the funds, electronically, my account was affected. XXXX advised me that the payment made was the last payment and the other ( which was primarily interest remaining ) would be charged off. XXXX later called me and advised that XXXX was not authorized to make that decision and demanded the payment. I do n't understand how one person can cancel the arrangements made by someone else. 

In the end, they sold my account. It was reported to you, and that creditor then stated no further collection activity would occur. 

Last week I began receiving calls from a collection agency, XXXX XXXX stating I would called for a civil deposition on this account. I do n't even know this agency. Later, I then received another call stating that I needed to hold, and after several clicks was connected to someone at a Mediaction service. I denied the owing the loan and stated it was paid. 

Today, I received a call from an outsource service courier about a missed appointment or hearing??? What?? I have no idea who these people are. I called Loan Till Payday and was advised the loan was sold and I needed to settle with the new company. So, does this mean they are continuing to attempt to collect {$200.00}. 

I attempted to call the numbers, and now no one picks up just a voicemail. I called the supposed service courier and advised that their number was showing up as a spam/fraud number and that if they were a legitimate company then they should leave their name, location, a number ( not a voicemail ), and the case they are calling me about. I have not been served with any collection documents - why am I being threatened with a deposition??? 

Telephone number recently calling me : ( XXXX ) XXXX. 

Please help.
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 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 an account without my written instructions.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX -Balance Owed : {$3200.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I am filing a complaint against American Express ( Amex ) due to misleading information and lack of transparency surrounding an {$800.00} Amex gift card I purchased for online transactions. My goal was to use this card for essential payments to XXXX XXXX XXXX ( for condo fees ) and XXXX XXXX XXXX ( for a digital document fee ). On XX/XX/year>, I attempted to make these payments online multiple times between XXXX XXXX and XXXX XXXX, but each transaction was declined by Amex, despite valid funds and reputable merchant services. 

Upon contacting Amex Gift Card Customer Support immediately afterward, I was informed by the agent that they could not identify the reason for these declines. The agent indicated that an error in Amexs online advertisement led to a misunderstanding ; apparently, not all online merchants accept the Amex gift card, even though this limitation was not disclosed to me at the time of purchase. The representative confirmed that Amex would neither issue a refund nor provide any alternative solution to resolve this issue, effectively preventing me from accessing my own funds.

This lack of transparency, combined with Amexs refusal to refund the balance or provide a workable alternative, has caused significant inconvenience and limited my ability to fulfill essential financial obligations. I am now unable to use the funds I allocated specifically for these transactions, resulting in both financial and time-related stress.

Resolution Sought : Refund of {$800.00} : I am requesting a full refund of the gift cards balance to recover the funds I intended to use for necessary online payments.

Clear Disclosure of Merchant Acceptance Policy : I ask that Amex revise its advertising to include a clear disclaimer about limitations on merchant acceptance for the gift card. This would prevent other consumers from experiencing similar issues in the future. 

I appreciate your attention to this matter and look forward to a resolution that allows me to access the funds I have already paid for and planned to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get Transunion to investigate the errors in the attached documents for over 90 days now. They have not even started an investigation but continue to stall or state that it's not me. They have yet to show any proof that these accounts belong to me and are accurate. Please help me get these removed from my report. They are in violation of the FCRA in multiple ways and have violated my privacy and my livelihood. Please help me.
Product: Student loan

I have several student loans and was already on an XXXX ( XXXX ) repayment plan. I applied for a loan consolidation and reapplied for the XXXX plan via my account on XXXX I have attached a screenshot of the loan consolidation and XXXX application requests being received via my XXXX XXXX on XX/XX/24. 
My loan was approved on XX/XX/24 and the following day I received a second document saying that I was entered into a standard repayment plan ( documents attached ). I immediately called Aidvantage to ask whether my XXXX application had gone through and was assured by a customer service rep that they were still processing it and I could ignore the repayment document for the time being. 
I then received another document on XXXX informing me that the monthly amount of my standard repayment plan had gone up ( attached ) and called them again. The customer service rep told me that I had actually been approved for an XXXX plan already but it had not hit my inbox yet due to lengthy processing times with the current legal issues that were postponing the XXXX plan in court. 
I then received another document today, XX/XX/24, telling me I would need to pay the standard repayment amount in 18 days after my forbearance ended. I called them again and the rep, I spoke to a lady named XXXX at XXXX MST XXXX told me that my XXXX application actually had not been approved because they were waiting for income information from me. She told me I should be able to see that request on my Aidvantage portal, however, when I went to the portal I did not see the request. She did confirm that she was able to see the request on her end, and that instead of sending me the request they had simply kept me on the standard plan. 
The complaint I would like to file is that I do not believe Aidvantage ever actually considered me for the XXXX plan ( a plan I was already on with my prior loan servicer ). I know for a fact that they received the request and necessary application documents from XXXX. Instead they automatically put me on a standard repayment plan which is roughly $ XXXX {$400.00} more per month than my original repayment plan. Their representatives informed me repeatedly that the XXXX plan application was being considered but I was not able to find proof of this, and the last representative was able to see that a request had been made for me to provide additional documentation which I was not able to see or reply to in anyway. Lastly, if I had actually been approved for the XXXX plan as the second representative told me I was, I should have been on a non-interest accruing forbearance and I should still be on that forbearance based on the ruling of the court at the time that had postponed the XXXX plan. However, from the moment my loan consolidation was approved, I was on an interest accruing administrative forbearance, which I am still in until being required to make my first standard repayment XXXX  days from now.
Product: Mortgage

USBank gave out mine ( XXXX XXXX ) and my husbands ( XXXX XXXX XXXX ) personal mortgage loan information and tax form to an unauthorized individual which contained our name, address, social security numbers, account number, account balance and account payment information and history. This individual was able to obtain statements dating from XX/XX/XXXX, to XX/XX/XXXX, XXXX incident occurred on XX/XX/XXXX. This breach of personal information has been acknowledged by a letter from USBank, office of the President, dated XX/XX/XXXX, signed by XXXX, USBank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have not offered any resolution as of this date, other than to provide free credit monitoring and services with My True Identity. This is insufficient for the type of breach that has taken place as this information has now been shared with XXXX additional individuals. I would like to know what credentials this unauthorized person showed to teller XXXX XXXX, in order to access our personal information. This is a matter of urgent concern as these individuals now have our social security number and other vital information. We have spoken with Branch Manager XXXX XXXX XXXX and XXXX XXXX, District Manager XXXX. They did acknowledge that the breach did occur but will not disclose any information without a subpoena. This has caused a great amount of stress and inconvenience to us as we now must monitor all our accounts for fraud activity. I believe this breach is in direct violation of the GLB Act which was enacted to protect the privacy of a consumers non-public information which includes name, social security number, and any information derived from a loan process such as account number, payment history, and loan balances all of which have been disclosed to these unauthorized individuals. 

I want a face-to-face meeting with teller XXXX XXXX, and bank managers to find out what credentials this unauthorized individual was able to show in order to obtain our information. Each time I have gone to or called the bank I personally must go through a verification process before they will release any information. I want to know how this person was able to obtain XXXX YEARS of bank statements when I, as owner of the account, have been told I can only receive XXXX without a subpoena. I am disappointed that USBank is unwilling to sit down with us to resolve this issue without litigation.
Product: Credit reporting or other personal consumer reports

MY INFO WAS EXPOSED IN A DATA BREACH. RIGHT TO PRIVACY 15 U.S.C CODE 1681 false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages.
Product: Credit reporting or other personal consumer reports

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting late payments on this account. XXXX XXXX is reporting the last activity on the account as XXXX but the account was closed in XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

Under 15 USC 1681 602 it states that I have the right to privacy.

Under 15 USC 1681 604 ( A ) ( 2 ) it states that A consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 ( B ) it states that a creditor shall not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose. 

This needs to be corrected to never late on my consumer report and your records or deleted from my consumer report and your records.
Product: Mortgage

I am having problems ( like always I had ) with US Bank employees unprofessional behavior. 1 ) They continuously harass me with letters threatening with " counseling, short sale, remediation and foreclosing ", however I am on time with all my payments and never missed a mortgage payment. 2 ) I sent to them a letter with a {$15000.00} check that they were suppose to endorse and send it back to me. It was from the insurance company claim that I filled after the hurricane. The employees at US Bank hang up on me several times while talking on the phone and don't answer the questions I am asking them. They are holding into my check which won't be valid after XX/XX/2019. It is a check they have to endorse and mail it back to me as it is made out to myself and to USBank. 
3 ) The woman at the " loss department '' I spoke to ( four times ) recently was trying to force me to " open an account with USBank in order to process the check ''. It was a condition to have the check processed. 
4 ) When I asked to speak to a supervisor they transferred to a " supervisor " who informed me that " the loss department is a third party contracted by Usbank '' which isn't the truth.Other customer service person informed " there is no loss department at USBank ''. It seems like when a customer calls we are dealing a bunch of fools who only give wrong information and don't know what they are doing. 
5 ) This past month of XX/XX/2019 the mortgage department failed to communicate with me about the new amount of my mortgage plus escrow account in order to pay for homeowners insurance. When I called asking for the payment amount for XXXX ( I had bought another homeowners insurance much less expensive than the previous one and they never communicated with me about the new escrow amount like they were suppose to ), the woman in the mortgage department added more than {$400.00} ( besides my mortgage payment ) that and she said it was " suppose to be paid because the escrow account had a low balance '' ). When I confronted her about not sending any notice in advance for such a high amount, she got very angry and hung up the phone call. As a result of their lack of planning, lack of training and lack of professionalism, they continuously cause me unnecessary trouble. 
I am not obligated to open an account with this bank which is the worse I ever had to deal with, nor interested in having another account opened with this unprofessional bank. And can't wait to finishing paying my mortgage in order not to have to contact with them ever again.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

ON XX/XX/2018 I CONTACTED BANKER XXXX XXXX AT CHASE BANK IN XXXX, NY TO LOCK IN MY INTEREST RATE. AFTER A LENGTHY DISCUSSION, I WAS INFOMED THAT CHASE WOULD BE LOCKING IN MY RATE WITH NO POINTS. THE BANKER REQUESTED THAT I SEND HIM AN EMAIL AS CONFIRMATION THAT IM LOCKING IN THE RATE WITH NO POINTS AND I DID SO. I RECEIVED A LETTER FROM THE BANKER ON XX/XX/XXXX STATING THAT I HAVE LOCKED MY INTEREST RATES IN WITH POINTS. I ALSO WAS INFORMED AT THE BEGINNING OF THE LOAN PROCESS IN XX/XX/2018 THAT I WOULD NOT BE PAYING ANY POINTS AND WHEN I RECEIVED MY COMMITMENT LETTER ON XX/XX/2018 IT CLEARLY STATES THAT THE ESTIMATED POINTS ARE 0.00 %. I HAVE NOT BEEN ABLE TO REACH THE BANKER XXXX XXXX.