23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing this complaint to dispute the enforceability of an agreement tied to my American Express Business Gold Card account due to significant ambiguities and deficiencies in the terms of the agreement. Specifically, the agreement lacks clarity regarding the identity of the creditor, the nature of the offer, and the adequacy of consideration, raising concerns about its validity under contract law principles.

The agreement does not explicitly identify American Express National Bank as the creditor. While it describes American Express as the issuer and servicer, it fails to confirm whether American Express is the entity extending credit, leaving it unclear which party has standing to enforce the agreement. Additionally, key elements of the offer, including the identity of the offeror and the timing and scope of the credit provided, are undefined. Furthermore, the agreement does not clearly articulate the consideration provided by American Express National Bank, as it does not confirm when or how credit is extended, undermining the adequacy of consideration. Lastly, the agreement contains provisions allowing American Express to unilaterally modify its terms, further casting doubt on the enforceability of the original agreement.

These deficiencies make the terms ambiguous and raise questions about the mutual understanding and assent required to form a valid contract. I have reached out to American Express for clarification but have not received a satisfactory response.
Product: Vehicle loan or lease

I paid deferred down payments and few payment into the loan on a XXXX XXXX XXXX and XXXX XXXX charged me XXXX this is considered dealership fraud i did sue XXXX XXXX and XXXX XXXX for accepting a loan that is way more than what the car is worth I have papers and proof that i sued please take care of this asap! i have contract details etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was impacted by the Equifax hack, and was told I was eligible for identity theft protection through them. I registered with TrustedID as requested, and received an email saying I should set up my account. 

When I tried to set up my account, I was told either my birthday, or social security number was incorrect. Obviously, I know these things pretty well, and called the company. 

AFter 3 called to TrustedID no one is able to help me. I 've repeatedly sent " verification documents '' to them including a photo of my driver 's licence, XXXX bill, and utility bill, attempting to figure out where the data mismatch is. 

No one ever calls me back, the person on the end of the phone pretends they do n't know what a case number is, and I 'm unable to talk to a supervisor.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$74.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, the following accounts and inquiries on my credit report are fraudulent. In accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I respectfully request that the following fraudulent accounts and inquiries be blocked and deleted. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX. XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$950.00} XXXX. XXXX XXXXXXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$390.00} XXXX. XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$8700.00} Fraudulent Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX
Product: Credit card or prepaid card

I first made a fraud claim in XX/XX/XXXX. On XX/XX/XXXX, I was credited for the XXXX charges that were not mine. A charge for XXXX in the amount of {$790.00} and XXXX {$210.00}. I never received any correspondence in reference to the fraud claim. I never received a new card in the mail either. When I logged into my account in XXXX, there was a note on my account saying that my card is locked and to call the customer service number. Customer service said the lock was placed by another department. I called and spoke to someone who said they put lock on account and that it will stay there until investigation is finished. 
On XX/XX/XXXX, the XXXX charges were placed back on my account. XXXX charge for XXXX {$790.00} and XXXX for {$210.00}. 
On XX/XX/XXXX, a duplicate charge for XXXX at {$790.00} and XXXX for {$210.00} were charged to my account. 
On XX/XX/XXXX, another XXXX duplicate charges were placed on my account for XXXX at {$790.00} and XXXX for {$210.00}. 
My credit limit is XXXX, with these charges my account balance is now {$3200.00}, which is {$1900.00} over the limit and this information has been reported to the three credit bureaus. 
My actual balance should be approximately {$120.00}. 
I called XX/XX/XXXX, XXXX, and XXXX, XXXX to resolve this and I was sent to fraud department each time. I have been assured that I would get a call back regarding this matter and I never did. On XX/XX/XXXX, I called again and they said my fraud claim was closed and did not provide any other information. I had to beg the customer service representative to allow me to speak with a supervisor. She kept advising me that someone would call me back but no one ever does so I insisted on staying on the phone to wait for XXXX. The representative refused to let me speak to a supervisor repeating that " no supervisor was available '' XXXX times to me. I have received minimal help in resolving this billing/fraud error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX acct number XXXX with a balance of {$7600.00} and a collections account opened at XXXX acct number XXXX with a balance of {$420.00}, XXXX  account XXXX with a balance of {$150.00}, XXXX acct XXXX with a balance of {$0.00}, XXXX XXXX XXXX acct XXXX with a balance of {$39000.00}, XXXX  XXXX Bankruptcy Ref : XXXX, XXXX XXXX ( inquiries ), XXXX  ( inquiries ), XXXX XXXX XXXX ( inquiries ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your system will not allow me to upload as many files as I have for a prior compliant. 

I want to upload all the files relating to the issue- and the complete file is over 39 MB. 

And all three, XXXX, XXXX  & Equifax  will have all the files pdf format, in completeness, giving them proof of my identity, and credit history with accuracy. 

Hopefully they will have some common sense to correct the Credit Report and generate a credit score.
Product: Money transfer, virtual currency, or money service

Complaint Against PayPal for Holding Account Without Explanation I created my PayPal account to receive funds for personal use. On XX/XX/XXXX of XXXX, PayPal placed a hold on my account, stating it was due to risk. When I contacted their customer service, I asked for an explanation of what specific risk they identified or what actions I could take to resolve the issue. However, I was informed that they could not provide further details. 

This lack of transparency has left me unable to access my funds, totaling {$26.00}, which were deposited on XX/XX/year> as I have created the account only on XX/XX/year> and was fully verified on XX/XX/year>. I have complied with all XXXX requirements, including verifying my identity and account details, yet the hold remains without justification. 

These are the actions I have taken : On XX/XX/year>, I called XXXX customer service and requested an explanation and resolution. On the same day around XXXX in the morning, they asked for proofs from the transactions pending and upon submitting, XXXX minutes later they have deactivated my account features. 
I followed up via email/chat on XX/XX/year> to ask for documentation of their decision. 
I reviewed their policies but found no valid reason for this hold based on my account history. Only the thing where they can hold my money for XXXX  days but they never let me know the reason why. 

Actions Taken by PayPal : PayPal has not provided a clear explanation for the risk assessment. 
They continue to hold my funds without offering steps for resolution or a timeline.
Product: Credit card

I have asked several times auto pay form but bank did not send it but charged several times late payment fee.
Product: Credit reporting

This is my second complaint and I 'm looking for monetary relief. This has caused me to be denied for credit, employment, and damage to my character. For the past 2 years, I have been disputing account # XXXX, XXXX, XXXX as an authorized user with creditor XXXX XXXX XXXX XXXX, account # XXXX with creditor XXXX XXXX XXXX, and account # XXXX with XXXX and the credit reporting agency Equifax Information Services , LLC, and Equifax has refused to delete these accounts. I 've submitted adequate documentations and still no resolution. I am not liable nor responsible for someone else 's debt per FCRA. Also, I 've been a victim of Identity Theft and have also provided police report to ALL CRAs including Equifax who have confirmed that they have received such document. But again, Equifax has continuously violated my rights and the law. I 'm attaching all documents including letters from XXXX who has stated that Equifax and all other credit reporting agencies has been notified to delete accounts but it still remains in my Equifax credit profile which they maintain under my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX, 2025 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Va XXXX XXXX # XXXX SPS- Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX File a Complaint of unfair or unlawful to deprived Due process and Protection Clauses, without due process of law! 


Dear Consumer Financial Protection Bureau, I would like to file a complaint against my mortgage lender Select Portfolio Servicing for a misrepresentation and violation of the principles of the U.S. Constitution rule of law due process and equal protection clause, regarding our home foreclosure and eviction, without a Court Notice hearing date. 

I received a letter from the substitute trustee, XXXX XXXX  XXXX XXXX XXXX, notified that a property of XXXX XXXX XXXX XXXX, VA XXXX will foreclosure sale on XX/XX/scrub> 2025, at XXXX XXXX  at the main entrance to the Courthouse located at XXXX XXXX XXXX XXXX, XXXX, Virginia. 

On XX/XX/year>2025, I received a Certificate of Service - Notice to Vacate/ Termination given 3 days to vacate the property and will accrue at the rate of {$91.00} per day from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX During this time, my phone was on fire and different types of people came to our home and knocked. My wife is very scared of the XXXX  and our XXXX children are very frightened because they think someone trying to kidnap them especially a little one screaming about strangers and the kidnappers. 



I find these XXXX mortgage lenders had violated XXXX Order [ 14187 ] 2025 National Child Abuse and Safety Risks may disproportionately affect children 's development challenges in our youth. 

Also, I believe that these XXXX mortgage lenders ' intentional misrepresentation, unfair or unlawful gain, or deprive a victim of a legal right, without due process of law. 

These XXXX mortgage lenders ' had violated the rules and regulations of XXXX Orders [ 14187 ] and [ 13045 ] were harmful to our XXXX children and damaged our family presentation without Legal due process of right or law, regarding our house foreclosure and eviction process. 

I am asking the Consumer Financial Protection Bureau for your assistance in helping our family out with a solution regarding these mortgage lenders ' violation of the principles of the U.S. Constitution 's Rules of Law and due process and equal protection clause. 

Our family of XXXX searching for a recovery from this harmful and safely risky and damaged family presentation in a different location. 

Thank you very much for your help and support in this matter. I look forward to hearing from the Consumer Financial Protection Bureau as soon as possible. 

Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a chime account because I needed a bank for my XXXX benefits so I thought I could trust chime it being a bank and there were just non stop unauthorized transactions and they always allowed me to file a dispute but never resolved any unauthorized transactions that occurred I have documentation and evidence from the merchants through via email explaining what has occurred and that the transactions were unauthorized. I was not able to summit them due to them closing my account to stop any resolution in my case. Which is honestly illegal I provided evidence police report numbers etc and still nothing was resolved they dont help there customer they allow people to hack into peoples accounts and drain there wallets then give you the run around for weeks I had unauthorized transactions with XXXX and they returned my money next day .theres no excuse to take over 2 months to resolve my case its like nobodys even trying to help people resolve these fraudulent charges and I want chime to fix this and return my stolen funds which were used on my chime account totaling over XXXX XXXX dollars. In unauthorized transactions.
Product: Debt collection

I've not gotten too far into this, however. Bank of America credit card. I believe this is my very first credit card to ATTEMPT to build credit PER their prompt, advertising, and suggestions. Then when I was unable to make the astronomical minimum payment there was no other options besides pay {$90.00} or more they immediately sent my account to collections IMMEDIATELY making my credit score tens of points lower AND setting me up for failure INSTEAD of the help offered. I've paid numerous different " debt collectors '' for this amount on and off a decade with the the card REMAINING at the maximum balance and not really being able to see my ORIGINAL credit being lowered or EVER seeing it reflect on my score. There is Documented attempts to resolve this debt from start to finish this debt, was not THEIR agenda to set my path towards credit success, yet within a matter of a couple years ravaged my pure and clean credit score. Punative damages, I've moved addresses as EVERY YOUNG aspiring adult. The physical mail never followed, but the calls and incessant debt collection. Student loans, mortgages, medical, life, car insurance, tuition ... The list won't end, Bank of America, you XXXX me at the jump of my life and you will hear me! The only way to follow me is my social security number. My phone, address, name and status have all changed. But your tactics preserved without appropriate accommodations, to situations YOU created
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$54000.00} XXXX XXXX Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed several complaints with CFCP after having no luck getting them to correct the mistakes on my credit files. 
In response to filing the complaints, the credit reporting companies took vindictive action on my credit file. 
After the creditors reported the updated information, XXXX, and XXXX both reported the same account MULTIPLE times on my credit file making my credit file appear much worst than it is. 
Instead of being fair and honest companies, it seems the Credit reporting companies are petty and corrupt. 
Included is a copy of said closed accounts on my XXXX report. The information is similar to the same on my XXXX file. 
The report detail I include truncates so you can not see the account numbers but the are the same, over and over. 
Doesn't same fair to have the same charged off ( paid in full ) reported multiple times, with both varying correct and bogus infomation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts showing that I have late payments or delinquent payments which is inaccurate. 

XXXX XXXX XXXX ( Late Payment ) DPED XXXX ( Late Payments/ Delinquent ) DPED XXXX ( Late Payments/ Delinquent )
Product: Debt collection

Called but did not receive any information except that I owed money! For what?
Product: Credit card

Ordered a Synchrony XXXX XXXXXXXX XXXX XXXX. The card arrived, but after multiple tries I was never able to activate it. Synchrony did not automatically cancel the card. Instead, they have charged the annual fee and interest every month. After 5XXXX phone calls they still have not removed these charges.
Product: Money transfer, virtual currency, or money service

In my line of work in sales I use zelle to send money back and forth for transactions. In this situation a customer sent me money through zelle as a deposit for a car. the customer the very next day wanted her money back and I was off work that day so, I wasn't able to send the money to the next day. I sent the money when I got back to work a day later and the customer complained to zelle it was fraud which it wasn't and blocked my account and I lost a lot of business from zelle blocking my account and not restoring my zelle account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TRAFFICKING VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX Block Request Dear Sir or Madam : I am a victim oXXXX XXXX  The information listed below which appears on my credit report is the result of XXXX : .Reported : XXXX. XXXX, XXXX - {$620.00} Needs Attention Overview You're currently using 125 % of your account 's limit. 
Balance {$620.00} Credit limit $ 500 Monthly payment {$43.00} Opened XXXX. XXXX, XXXX ( 3 mos ) Payment History Youve made 100 % of payments for this account on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Late Unknown Last payment No Info Current Payment Status 30-59 Days Late Amount past due {$30.00} Worst Payment Status Current Account Details Account status Open Type Credit Card Responsibility Individual Remarks No Info Times 30/60/90 days late 0/0/0 Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Finance/Personal XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXXXXXX XXXX  Inquiry : XX/XX/XXXX And all 10 Inquiries and Negative, Student Loans Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Okay XXXX I am a XXXX  XXXX  I want my XXXX clear I want {$200000.00} refunded and {$65000.00} cancel because I didnt realize that the XXXX  XXXX  at all canceled as well and socially if youre working from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

for the past 6 months I have been asking to please removed a XXXX account that keeps on showing on my credit report which does not belong to me any more this card belongs to my ex and i was just a user on his card but he tooked me out about a year and half and it keeps showing on my credit report and is damaging my report because he has a big balance on it, i had already asked to dispute this card and it seems that no one is doing it i even sent a letter to my credit report and nothing happen can you please help me with this matter thank you