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

on XX/XX/XXXX XXXX American Express was notified of a charge discrepancy. Under their membership agreement in terms of service such a discrepancy must be reported within 2 billing Cycles after it is first available the account holder statement. XX/XX/XXXX is when serve became aware of the charges disregnancy. During a phone call with serve the discrepancy was clearly explained. What had happened was five items were ordered from Merchant. All five items were returned. Three of the items were refunded properly. Two of the items were not refunded at all. After some delay it sometime Merchant told me to contact Bank American Express Serve. American Express Serve appeared that this would be taken care of by them and that my membership benefits and membership agreement offered such protection. After some time this American Express Serve claim that they need additional information regarding this issue they required me to fill in a dispute form with information see attachment. This information was provided to members that serve immediately after it was requested. More so more information was submitted to American Express Serve than what was required in fact information that would clearly Define explain improve the issue was sent to serve even they did not requested. American Express Serve after possessing this information gave no updates no information and subsequently completed their investigation on XX/XX/XXXX. I on XX/XX/XXXX American Express Serve send me an email stating that the transaction was determined accurate and no credit would be adjusted to my account. American Express Serve claimed that they were denying this discrepancy and if their decision was based on the fact that they had not received the requested information. This is indeed false. They have received every information request from me to them. After several calls to American Express Serve. Confusion and unintelligible stammering could not answer what this requested information was that was not received. American Express Serve seems tube just have play XXXX denied this discrepancy with no reason whatsoever the reason they have provided is not correct is not accurate and can be shown to be false. American Express Serve needs to offer the benefits date extend in a membership agreement. There needs to adjust this discrepancy in my favor. The way that it has been provided to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Sectiin 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 it also statr thatconsumet report agencies can not furnish an account without my written instructions.

15 USC 1666B creditor may not treat a payment on a credit account XXXX open end consumer credit plans late for any purpose. 

XXXX Account Ford
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit file and I have several issues with inaccurate showing on my credit report. My name should appear as XXXX XXXX XXXX XXXX ONLY ) my DOB isXX/XX/XXXX my SS XXXX please remove delete any and ALL variation of my name, social and DOB. 
Name ID # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, ID # XXXX XXXX XXXX, ID # XXXX XXXX XXXX XXXX, ID # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX none of these are accurate please delete.
Product: Mortgage

I have an ARM with this company. They bought my mortgage from XXXX awhile back. They are supposed to review my mortgage and adjust it according to the rate the XXXX raises. The XXXX raised rates .25 % this year and I got a letter saying that my rate was going up. A week later I got a letter in the mail saying they made a mistake and my rate was going up another .125 %. They have raised my rates every year and now I 'm almost at the rate for a 30 year fixed mortgage. I believe they are using the doctored paperwork they got from XXXX and I want a 100 % audit for the time they have had my mortgage, I want a copy of the paperwork they are using to calculate my rate to compare with my original paperwork and I want them to sell my mortgage to a competent company. They proved that they ca n't handle their work. They have ignored my repeated attempts to contact them. I 've sent four e-mails and their offices are only open XXXX to XXXX Central time. I work swing shift on the west coast so I can not call them before XXXX Pacific time. To sign up for an online account they require that I enter my SS #, which I will not do.
Product: Mortgage

XXXX sold my loan to Select Portfolio Servicing , Inc. in XX/XX/XXXX every since then I have been having problems with my mortgage. They are a company out of Utah whom I am not sure if they know California mortgage laws they are very rude when they talk to you on the phone once they even hung up on me because the manager said they were closing and his reps were tired. When they took over my loan I was paying my flood insurance on my own, XX/XX/XXXX I received my paid declaration page from my insurance carrier I called them and asked who paid my insurance they replied SPS did. I then called XXXX XXXX and asked them why did they pay my flood insurance they stated the laws in Calfornia requires them to pay my flood insurance from my escrow account even though paying it shorten my escrow balance. XX/XX/XXXX I received a notice stating they added very expensive flood insurance to my loan even though they had already paid flood insurance through my escrow account. I called and the people on the phone insisted it was n't paid and they were going to leave the enforced insurance. I had to called my insurance company explain to them what was happening and ask them to help me eventually XXXX helped me to resolved the problem. Recently I received a notice that my flood insurance was not paid I really thought it was a mistake until XXXX XXXX sent me a letter stating I have no insurance so they were adding there expensive insurance to my loan again. I almost passed out I 'm thinking this just ca n't be they told me not to pay it that it 's part of my escrow account yet when I called the uncaring guy on the phone just said he did n't see were it was part of my escrow account and they did n't budget it into my escrow. They got me now, I have to find money somewhere to purchase flood insurance or have mine reinstated so I wo n't have to take their expensive coverage. This is going to ruin my grand kids XXXX and something tells me they are going to do this again the only way to make them stop is to walk away from my home. What a horrible company, it 's sad we do n't have a chose and how many others have they done this to.
Product: Money transfer, virtual currency, or money service

Hello. On XX/XX/2022 I purchased XXXX US Dollar Coin ( " USDC '' ) on Coinbase, funding the purchase from my XXXX XXXX checking account. The transaction went through ( reference number XXXX ) at XXXX the same day ( see screenshot # 1 ). I intended to use the USDC to fund my Coinbase debit card for a purchase coming up in a few days, but when I logged back in a few days later I noticed a second, unauthorized transaction in my USDC wallet history. Specifically, a transaction with the name " Spent USD Coin ( authorization ) Using Coinbase Card '' appears as having been completed at XXXX pm on XX/XX/2022 ( see screenshots # 2 and # 3 ). I did not initiate any transaction using my coinbase card on XX/XX/2022, and in fact this transaction does not appear at all in my coinbase card transaction history ( see screenshot # 4 ). The latest transaction in my coinbase card history took place on XX/XX/2022, and I can find no other record of this supposed " authorization '' transaction anywhere in my account. 

I have contacted Coinbase three times ( two by email and one by phone ), and after indicating they opened investigations, Coinbase has now told me twice that I contacted the wrong department, and the Coinbase funding team can not see coinbase card transactions, and the Coinbase card team can not see funding transactions. See Coinbase Case # 's XXXX, XXXX, and XXXX. In my latest email, I requested this matter be escalated to a supervisor who could view both sides of the account, as based on the unauthroized transaction 's name, it appears to involve the coinbase card ( even if there is no record of it in the card 's history ). 

To sum up, I am missing XXXX USDC ( worth {$2400.00} ), due to an apparently automatic transaction to authorize the coinbase card, that is not reflected in Coinbase 's record-keeping of the card 's transactions.
Product: Credit reporting or other personal consumer reports

They lost payment that was made to this.Even though they cashed the check, and took the funds. They still reported that the payment was late.
Product: Mortgage

We are current customers of Pacific Union Financial and had previously done a purchase and refi with them. XXXX XXXX we wanted to take advantage of lowering our rate. We started the process then and are now as of XXXX XXXX XXXX still in this refi process. Our file has been passed around numerous times. It took them 1 month to review and sign off our appraisal. I emailed a processor and it took almost 3 weeks to get a call back from the company at which point we found out the processor no longer worked there. And amid all of this we keep getting charge rate extensions for something that is not our fault. If the company would have been doing their job and following up on customers files when a processor quit our loan would have been closed in XXXX or XXXX with our rate at XXXX and no discount points. Now we are in XXXX XXXX, rates have worsened and the company is passing on all of the rate extensions on to us. This was not our fault. The company should cover this and credit us as they are the ones who have been dragging their feet closing a simple refinance. Loan started with XXXX XXXX on XXXX/XXXX/XXXX. We got a processor assigned XXXX/XXXX/XXXX not sure why it took a month for that. Appraisal was done XXXX/XXXX/XXXX but not signed off until XXXX, almost another 30 days. Then the processor XXXX was no longer with the company as of XXXX. XXXX/XXXX/XXXX was the last email we received from her and then we received an email from another processor XXXX/XXXX/XXXX, almost another month. This is very frustrating and not how a customer should be treated. All we want to do is close the loan with the terms they promised us when we started this process. All of their delays are now making us have to come in with an outrageous amount for closing costs because they keep charging us extensions for their terrible service. This is unethical and not a best practice for a mortgage company. They are adding the extension that now total up to {$9100.00} for discount points due to their own errors and delays.
Product: Vehicle loan or lease

I contacted Santander and they will not give me any information on GAP and the amount that I paid. They have told me it does not show up in their system when it's a fact GAP was added to the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting my credit history - it is missing my credit card payment and activity history. 

I have contacted TransUnion and XXXX XXXX XXXX about the matter. I called TransUnion customer service twice- I don't recall specific dates and discussed the issue. They advised me to check with my bank/credit card account provider if they are reporting the credit card activity correctly. I contacted my bank/credit card issuer ( XXXX XXXX XXXX  ) and I was instructed to contact TransUnion because TransUnion is not picking up my name correctly ( XXXX XXXX instead of XXXX XXXX XXXX ) thus not picking up my credit card activity. I contacted TransUnion about the name they are using for my credit score and report and they said their system is not picking up my full name - XXXX XXXX XXXX. My first name XXXX XXXX is not recognized in the system due to the space. It is picking up as XXXX or XXXX. I requested them to use XXXX instead of XXXX. I filed their online dispute form with the same request without any further changes/improvement. I contacted my bank to make sure they are using correct names for this purpose. Transunion is still not reporting my credit card activity. 
This leaves me at false credit score which has resulted in many negative impact on my financial situation. 

Other credit reporting agencies, such as XXXX, are correctly reporting my credit history. I don't understand why transunion is unable to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian ( EX ) over 25 times regarding this matter each time being hung up on or transferred into dead air. 

I have asked that EX follow the guidelines of the FCRA. 
I have reported REPEATED VIOLATIONS of the FCRA to the company as well. 
The company has acknowledged they are in violation of the FCRA and that i need to contact the CFPB if I want to have issue resolved. 

When i asked EX who authorized them to furnish a credit report i was instructed that congress and the CFPB gave them the authority to do such. As I have advised to representatives there that EX is an independent company who ASSUMED this role and was not AUTHORIZED to do such - i am hung up on. When i reach out and ask who gave authorization for EX to furnish a report - i am hung up on. 

According to the CFPB and the FCRA XXXX  needs to have my written authorization which gives instruction or permission to furnish a report on myself. 
I have asked EX to generate the document showing that i have given them permission to furnish a report - the same rules and guidelines as set forth by the CFPB- and they tell me that they can't generate it. I have requested on 10+ occasions that EX delete any piece of information on the current report that they have generated as i have NEVER GIVEN MY WRITTEN AUTHORIZATION to generate furnish or produce any report whatsoever about me or my likeness. Furthermore no piece of information that was furnished was validated or verified as identified by the terms set forth in the FCRA. I never gave permission especially not to report inaccurate data.
Product: Debt collection

I received a call from a company called mediation services saying I owed a debt from check n go from prior to XXXX. They refused to give me a date. They said they were sending the sheriff to my house to sue me. I did file a bankruptcy in XXXX, and I listed all my creditors but there was not one for a check n go, but three other payday lenders were listed. They had my current address as well an address from XXXX. They said they had a copy of my ID. When I asked them to send me proof of the debt, they refused.
Product: Credit card or prepaid card

I filed a fraud dispute claim with Navy Federal Credit Union a few months ago and never heard anything back. I would try to call when I get off work but it'll either be extremely long wait times or they would close. I finally was able to speak with someone and she told me that the fraud personnel was out of the office so she couldn't provide me with any accurate information in regards to my claim. After an hour wait on the phone, she informed me to login into my NFCU account online and send them a message through the portal to request an appeal since she didnt see a valid reason why my claim was denied. There was a list of charges disputed on my account. However, I just came to realization that NFCU never honors a claim. I've had maybe two small claims over the years and I've been a member since 2017 and they always declined my claims. This is no coincidence and I'm starting to feel like I'm being racially profiled and my XXXX American money isn't worth protecting and claims arent worth being approved. I've accepted the losses in the past but I refuse to let this behavior continue. I submitted an appeal on the NFCU website and I would like to request a reinvestigation immediately. I would like my account balances updated correctly, all fraudulent charges removed, a temporary credit applied while they reinvestigate this account as well as my bill amount due updated correctly. I request immediate attention to this matter and If this isn't handled professionally in a timely manner then I am willing to consult with an attorney to seek monetary damages for charges on my account, damages to credit, and more. This is a FINAL appeal request and NFCU have a list of the charges filed in the dispute in their system already.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : Cease and Desist Request for Deletion of Collection Account Dear COLLECTION COMPANY, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX charge off Date opened XXXXXX/XX/XXXX Date closed XXXXXX/XX/XXXX XXXX  date opened XXXX1 15 USC 1662 ( b ) is a law that regulates how down payments and installments are advertised for consumer credit. It's part of the Truth in Lending Act ( TILA ), a federal law that requires lenders to disclose the terms and costs of consumer credit.

A creditor can't consider a payment late if they were delayed in mailing the statement due to an excusable cause, like a natural disaster, war, or strike
Product: Checking or savings account

On XX/XX/2022, I opened a self-directed trading brokerage account with Axos Bank XXXX I signed up with a promotion whereby I would receive {$200.00} if I deposit {$2000.00} within 60 days, maintain that balance for at least 90 days, and conduct two trades of min. {$25.00} each. I deposited the $ XXXX funds in XXXX and held it more than 90 days. I also conducted two trades of at least {$25.00} back in XXXX. I contacted Axos several weeks ago via phone, and they said they would post the {$200.00} within the next few days, but they never did. Please post the {$200.00} bonus immediately.
Product: Credit reporting or other personal consumer reports

XXXX. Complaint XXXX makes it difficult for consumers to obtain a copy of their report. 

XXXX XXXX XXXX XXXX issued a denial based upon the information provided by the complaint XXXX. It is possible that the complaint XXXX compiled information on the consumer that contained inaccuracies, leading to the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX XXXX  on my credit report. It shows that that account has been sold to XXXX XXXX XXXX. I recently sent XXXX XXXX XXXX a debt validation letter and the response I recieved was dated XX/XX/2019 says that the collection is terminated. 

I am wondering why is this account currently showing that it is still in collection. Why hasn't the account been deleted if the collection has been terminated from my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a complaint in this matter to XXXX XXXX Card Services XXXX Complaint ID # XXXX XXXX Today I spoke with " XXXX XXXX Executive Offices '' who referred to me to " XXXX Collections ''. There it was explained to me that the payment relief programs I applied for are reporting me as " delinquent '' for XXXX XXXX XXXX XXXX even though I made automatic payment arrangements as advised. I now believe the COVOD hardship payment information I was given by " XXXX Card Services '' was misleading and unclear. My credit is being harmed by this incorrect information. XXXX Card Services should provide clear information to customers who are suffering COVID hardships such as myself so that they better understand their options and make informed decisions.