23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hi CFPB, I had closed my American Express Serve account on approximately XX/XX/2021, transferring out the remaining {$500.00} to my outside checking account. However, American Express Serve had taken back the {$500.00} from my account with no explanation and have not been able to locate or identify where my {$500.00} is. Their customer service team has been very dismissive of my request despite repeated calls and attempts to locate my money. I would like to file this complaint in order to have American Express Serve return my money. 

Thank you, XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I received an alert XXXX XXXX, that there was a change to my XXXX report. I requested a free copy of my credit report and learned that two companies ran an inquiry for credit. The two companies listed were : Destiny XXXX Account and Indigo Mastercard Account. There was also an unknown address and phone number listed. ( Address : XXXX XXXX XXXX, XXXX Florida, XXXX ; Phone number : XXXX and XXXX ) I disputed both the address and phone numbers. 

In late XX/XX/2022, I received emails about a new card. I looked at my credit report again and credit card accounts appeared on my report for Destiny XXXX  Account and Indigo Mastercard Account. I contacted the company and they said they would send me an affidavit to complete and have notarized. I also disputed both accounts with all three credit bureaus ( XXXX, XXXX and XXXX ). 

On XX/XX/2022, I received two letters from Genesis FS Cards Services - XXXX XXXX, XXXX, OR XXXX. There was a letter sent on behalf of Indigo and Destiny. The letters stated they processed a change of address on my account. I contacted the number provided on the letters ( XXXX and XXXX ). One of the numbers was never answered and when the other call was answered- the person I spoke with said she didn't see my name in the system and would need the last four numbers in my social security. I did not provide it. 

This appears to be a scam - two accounts opened - different credit companies but they both have the same address and were opened the same day. They used the fraudulent address and phone numbers that I disputed. 

I need this corrected. XXXX sent me a letter saying the company verified that the information was correct. This is not my account. I have am the victim of identity theft. I need these accounts removed from my credit reports and the individuals behind this scam need to be prosecuted.
Product: Credit card or prepaid card

My sister and I booked a trip through XXXX ( itinerary number XXXX ) on XX/XX/2021. The total amount charged was {$4200.00}. I cancelled the trip on XX/XX/XXXX and was informed that my credit card would be refunded {$3600.00}. I received email correspondence from the XXXX representative showing this amount that would be refunded after cancelled itinerary. However, only {$2400.00} which was for the hotel was refunded. I disputed the amount of {$1800.00} with Chase United Credit Card. My credit card company initially refunded but then rebilled the amount stating the charges were valid. I contacted customer service at Chase United Credit Card and was informed that XXXX issued me a credit in the amount of {$1800.00} and that disclosures and terms of service were sent to me. I filed another dispute requesting my credit card company to reopen the case and provided documentation that contradicts the merchant response. Chase Credit Card did not investigate further nor did they even look at the correspondence provided. They simple rebilled the {$1800.00} and I have nothing to show for it. XXXX doesn't have a XXXX credit for travel although their response to Chase Credit Card was I did. On XXXX 's booking confirmation it says " We do not charge a cancel or change fee '' so I'm confused as to the information Chase Credit Card received from them to validate the disputed amount. I am not in a financial position to just walk away from {$1800.00} without anything to show for it whether it be my refund or travel credit. XXXX has tied up my funds with promises from one their representatives of refunding but my credit card company has done the most damage by not properly investigating the matter after email correspondence was given.
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 XXXX09 ( 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 correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

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, 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.

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 XXXX account number XXXX is a fraudulent account with total fraudulent charges up to a high balance of : {$4700.00}. Its now listed on my Equifax credit file as a paid charge off. XXXX XXXX XXXX also commited tax fraud through the IRS by listing a charge off date of : XXXX. I challenged this with the IRS and won. XXXX XXXX XXXX  sent a letter which ill include in the CFPB complaint listing the actual charge off date as : XXXX. In addition, im a verified victim in the recent EQUIFAX data breech. this fraudulent account must immediately be removed from my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several correspondence to this companies with no response its past the 30 day mark and yet no replies, pursuant to the privacy act of 1974, my federally protected rights are being violated by the credit Reporting agencies. According to 15 USC 1681b I demand all this inaccuracies be deleted off my file. see the attached Documents for all other information regarding this issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY : XXXX XXXX XXXX # XXXX has been reporting multiple different dollar amounts owed to different credit bureaus. The total amount owed and the initial amount owed have been reported inaccurately. I disputed the account and the investigation was verified as accurate by all three credit bureaus. But as I will show you it is surely not accurate. it actually is filled with inaccuracies. This company has reported one balance of {$5900.00} to XXXX and reported {$5800.00} as a balance to XXXX. The company also reports XXXX different names of the company XXXX being XXXX XXXX XXXX, the other being XXXX XXXX XXXX XXXX and the other just XXXX XXXX. All of these inaccuracies are proof that the investigation completed by the company made to protect my information and verify it as accurate has failed In accordance with the FCRA XXXX  account XXXX 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 states that a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I already sent Debt Validation ( XXXX Letters ) dated XX/XX/2022 for the items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also sent another letter for the method of validation. It's been more than 30 days and I haven't received any response.
Product: Mortgage

On one of those predatory subprime loans by XXXX with the first servicer being XXXX and then servicing apparently turned over to XXXX XXXX XXXX XX/XX/XXXX, with my mortgage allegedly being securitized in to XXXX XX/XX/XXXX ( purported loan closing XX/XX/XXXX ) there was a Trustee Sale XX/XX/XXXX and recorded in XXXX County. I have never been told who the true creditor is and that is a violation of TILA. The loan was not funded by the named lender XXXX XXXX. So the Trustee 's Deed has been recorded with a XXXX as being who is the purported new owner of the property since XX/XX/XXXX. 
I received an IRS XXXX form for that XX/XX/XXXX foreclosure sale and it lists the lender as being XXXX with the EIN matching that. Now comes XX/XX/XXXX and I receive another XXXX from a Specialized Loan Servicing for the same property/loan. However, I have not owed any entity any monies since the loan was extinguished by the XX/XX/XXXX Trustee Sale and the purported recorded property owner is XXXX since XX/XX/XXXX. Additionally, the original purported loan number was XXXX and the XX/XX/XXXX XXXX XXXX lists a different loan number and then yet a different loan number on the SLS XX/XX/XXXX XXXX. Additionally, the loan number ending on the Trustee Deed Upon Sale does NOT match the original mortgage loan number on the Note/Deed. I want the FDCPA and FCRA laws, which have be violated by Specialized Loan Servicing, to be enforced and they should be fined and the fine monies paid to me immediately.
Product: Money transfer, virtual currency, or money service

Hello. I am having issue with refund from PayPal. I paid XXXX XXXX for {$410.00} in total on XX/XX/XXXX with Paypal. I canceled the order and requested a refund. XXXX XXXX issued two separate refunds, one for {$310.00} and another for {$100.00}. To this date, i've only receive the {$100.00} back on PayPal. I've contacted XXXX XXXX, they have shown me receipt that they have processed both refunds to PayPal separately, see receipt attached. PayPal is claiming that they never receive the {$310.00} dollars refund from XXXX XXXX. I have used XXXX resolution center without any resolution. Attached are my PayPal record that I never receive the {$310.00} refunds. 

Please contact me XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I opened a savings account at U.S.Bank, the representative kept advertising thier credit cards and I replied I would like to wait and see if I had any pre-qualified offers. I signed for a debit card for the savings account and for some reason she took the same signature and applied it towards a credit card we discussed about. I didnt realize this happened until I got an alert on my XXXX XXXX and tried to correct the issue with the bank.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.

Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

I request that you review this information and make the necessary corrections to my credit report.

Additionally I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.

As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055, Law Firm XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency, Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to XXXX, XXXX, and equifax. The credit companies are not complying with their own policies in a timely manner.
Product: Mortgage

We are responding to claim number XXXX that was filed in reference to Bank Of America, ... we are responding to there response .... BOA claimed that when we filed our Chapter XXXX Bankruptcy in XXXX that was changed to a Chapter XXXX in XXXX XXXX and was Discharged in XXXX/XXXX/XXXX BOA stated that we did not reaffirm the debt, the debt was reaffirm in both the Chapter XXXX & XXXX XXXX case, in fact BOA did a modification in XXXX XXXX but did not record the lien until XXXX XXXX ... ..we was in the process of refinancing our loan with another company and found out that BOA never perfected the first loan and the only loan that is showing is the modified loan, BOA sent out a history of payments to the credit Bureau incorrectly by showing us over 30 days past due starting XXXX when they got the loan from XXXX XXXX XXXX XXXX and never gave us credit for our 3 payments that was sent to XXXX XXXX XXXX XXXX even when XXXX XXXX sent them a copy of the transaction along with a letter stating that the payments was received by XXXX XXXX XXXX XXXX XXXX we never got our credit on the old account and never got our money back from the payments ... Boa also reported that we was over 30 days past due during the Bankruptcy and up till XXXX XXXX when the old loan that they reported on was closed in XXXX XXXX and the new loan was modified XXXX XXXX and that loan should be showing at the credit bureau, we are requesting that we be given back our 3 loan payments since the loan has been closed or that the three payments be place on the modified loan ... and that BOA correct our pay history with the credit bureau.. also how can a loan that never was perfected, be able to be modified ... If needed, I have all my documents to prove everything above.. only my fax is working at this time and if any documents are needed I will be more than happy to fax it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX has violated my rights. 

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

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

XXXXXXXX XXXX XXXX  is reflecting negative late payments on my credit report. Stated below I have attached the laws that DO NOT state that they are allowed to report late payments on my credit report. This is a closed paid in full loan. And I would like the late payments to be reversed on my credit report as they are reporting negativity. 
15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( 0 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax for failing to properly investigate disputes concerning inaccuracies on my credit report. Despite multiple submissions, Equifax consistently responds within XXXX hours, claiming that the accounts are accurate, but fails to provide any evidence of a thorough investigation. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of any disputes raised by consumers. Additionally, Equifaxs actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the CFPBs recent administrative action ( File No. 2025-CFPB-0002 ) against Equifax for similar practices XXXX 

In light of these issues, I request that the inaccurate information be removed from my credit report and that the CFPB take appropriate action to ensure Equifax complies with federal law and provides consumers with the necessary documentation proving a thorough investigation into disputes.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I was referred to Mr. XXXX XXXX, mortgage broker, as a stipulation of a real estate contract I entered. He was referred to me through Mr. XXXX XXXX, the sellers realtor. During the time period that I dealt with Mr. XXXX, he would repeatedly ignore correspondence via phone or email. He promised that he could get a second appraisal passed since the first one was " allegedly '' below what the seller was willing to accept. Shortly thereafter, he ignored correspondence from me and my realtor. He gave several deadlines that he was unable to honor. The appraisal was ultimately not accepted by FHA. 
Mr. XXXX worked with Mr. XXXX XXXX, sellers realtor, to draw out the real estate contract until I was outside of the loan approval period. When it came to light that he would be unable to fulfill his guarantees, he once again did not respond to any correspondence. He would not notify me of any issues until deadlines were looming or had passed. I was then notified by the sellers realtor that they would be keeping my escrow money because I was in breach of contract due to passed deadlines. I was able to work with the seller directly to remedy the issue and sought out another mortgage broker opportunity. 
In my opinion, I do not believe this is the first time they have colluded to swindle buyers out of their money. I honestly believe that had I not had a lawyer contact them immediately, they would have taken my money and would have gone on to another victim. I write this in the hopes that although everything worked out in my favor, I can help someone else from being placed in a similar predicament. 

Below I have listed the contact information for the involved parties : XXXX XXXX Legacy Group Lending XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Fax : XXXX Email : XXXX XXXX XXXX Real Estate Broker License # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed some inaccuracies ranging from XXXX XXXX- XXXX XXXX. I have XXXX hard inquiries that was recently added that I would like to be verified. I haven't applied for anything and I would like you guys to send me a copy of the documents with my wet ink signature and why these hard inquiries was added to my credit report. Please furnish original contract to my email for these inquiries at ( XXXX ) Name : XXXX XXXX ( XXXX ) Name : XXXX  XXXX ( XXXX ) Name : XXXX Name : XXXX XXXX Name : XXXX XXXX  Name : XXXX XXXX Name : XXXX