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

American Express Serve Card permanently suspended by account on XX/XX/2020 with a balance of at least {$450.00} in account plus a dispute I won of {$4100.00} later deposited in it. When I called customer service to try and close account they would always tell me they had no information and they write a letter and mail it, which I've done several times. They only response I would get is I need a letter of indemnity which I also sent to them. Their own statement on closing account states : You may not close your American Express Serve Card Account, Subaccount ( s ), Goals or XXXX XXXX $ TM balance to evade an investigation or a disputed transaction ( s ). You may not close your American Express Serve Card Account or Subaccount if there is a negative balance in your Account or Subaccount,, if one or more pre-authorization codes with respect to American Express Serve Card Checks you have written are unexpired, or if there is an investigation pending or a Dispute related to the Account or Subaccount or associated American Express Serve Card or Subaccount card, and subject to Applicable Law, we may hold your funds for up to thirty ( 30 ) days or longer to finish conducting the investigation and/or protect us or a third party against the risks of payment reversals, chargebacks, claims, fees, fines, penalties, and other liability. 
I am not evading an investigation or even being investigated at all. And they even state they should hold funds up to 30 days but now it has been almost a year and my money is just sitting there when I really need it. Please help me to get my account closed and remaining balance to be sent to me by check.
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 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 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

Equifax is Reporting this account with late payments this account with XXXX XXXX has been satisfied XXXX XXXX paid in full since XX/XX/year>, and XXXX XXXX should not be harming my credit with reporting this inaccurate information to Equifax and Equifax needs to correct my report after re-investigating this issue for the last year. 

According to 15 U.S. Code 1681 ( 2Xi ) and 15 U.S. Code 1666b 12 CFR 1026.13 I have the rights to be represented truthfully by law. relate to billing error resolution and the Fair Credit Billing Act ( FCBA ), specifically outlining procedures for disputing credit card charges and the creditor 's responsibilities. 


According to 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agency 1681s2. 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 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Please re-investigate this matter with integrity that the federal government has provided for consumers. Please provide me with an update credit report when you correct this error. 

Equifax has settled a suit with CFPB for shame investigations on inaccurate reporting please provide a therol investigation and respond with proof of the means in which you arrived to your conclusions.
Product: Credit card or prepaid card

I have been getting emails over the last several days ( XXXX - XXXX ) asking me to activate an account that I have never asked for at Chime Bank . When I called them, they kept on asking me for my personal information. They have an account associated with my phone #. When I refused to give them my information, they said there was nothing they could do. They have been hacked twice in the last two years. I will not give them my information.
Product: Debt collection

We have been dealing with a debt collection agency which has turned from a debt to a harassment. We are now getting XXXX-XXXX calls a day on XXXX different verizon cell phones. Not to mention the certified letters and the regular incoming mail. We have spoken with this company on several different occasion to work out a payment plan for the company just to play around with the interest rates and payment amounts. Even after bringing the account up to date. We have also asked the company not to call back since we are more than aware of the bill especially considering the call volume. We even receive these calls on weekends, there is no break ever. enough is enough.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Experian, because they were still showing a balance on my XXXX loans that were XXXX earlier this year. I submitted the letter, dated XX/XX/2023, from XXXX that confirmed that my loans were at a XXXX balance and I had satisfied my obligation on the loans. Instead of removing the loans, Experian updated my balance from {$65000.00} ( my balance prior to discharge ) to {$110000.00} ( an amount far greater than I ever owed ).
Product: Credit card

I have credit cards with Capitol One. I pay my payments sometimes on the day they are due. Often when I pay the payments on the agreed upon date, I STILL get changed a late fee due to me being on Pacific Standard Time and they being on Eastern Standard Time. I was told by Capitol One when I complained, '' Well we actually changed the time from XXXX EST to XXXX EST because we were getting so many complaints. '' HOW can they charge people a late fee when the payment is made before XXXX on the date it is due? This to me is extortion and should be illegal. If you run a national company you should be adapted to ALL the time zones..not the one your company happens to be headquartered in.
Product: Checking or savings account

Unable to change telephone number for accessing bank info and statements on line. Submitted documentation to bank on XX/XX/22 they submitted a Document Review Request Form with a notarised document allowing for the telephone number change that was signed. Was informed by the bank that the legal department informed them of the refusal of said documents, only if I came personally to the bank, which is impossible as I am in XXXX at the present time. I sent my cousin XXXX XXXX to represent me at the bank.,
Product: Credit reporting or other personal consumer reports

MESSAGE TO NFCU : Subject : Dispute of Incorrect Hard Inquiry from NFCU ( XX/XX/XXXX ) I am disputing the hard inquiry from Navy Federal Credit Union on XX/XX/XXXX. I was prequalified for a card, and NFCU disclosed that applying would be a soft pull, not a hard pull. Disclosed that applying will " NOT AFFECT CREDIT SCORE ''. My application was denied, so this inquiry is incorrect. Please remove it from my report ; or I'll have to submit complaint to CFPB and FTC for false inquiries. 

Thank you.
Product: Vehicle loan or lease

My identity was stolen phones, internet, a apartment lease, credit card accounts multiple accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX My Son and I share the exact name and the exact address about 99 % of the time. XXXX has failed to separate my credit file from mines. I have been declined and had to provide copies of my driver 's license to prove my identify. Some medical bills belonging to my son, a few years ago appeared on my credit file. I sent numerous disputes to XXXX to remove the inaccurate information. I provided Copies of my Birth Certificate, numerous explanations that we are two different people with the same name and different DOB and SSN. Each time I dispute the information, they just send some stupid " Auto '' generated response that the information has been verified. This error is preventing me from acquiring credit, open bank accounts and obtaining business credit as well.
Product: Credit reporting or other personal consumer reports

I have multiple hard inquiries that was not authorized on my credit report that needs to be removed that was previously disputed with XXXX already. I also have a charge off from XXXX XXXX on my credit report that has been reported nuremous times to XXXX that goes against 15 USC 1681 ( e ) B.

IRS states once the account has moved over into charge off status, the lender has accepted the fact that theyre not going to be able collect the debt causing the lender to file on their taxes as discharge debt causing the debt on the consumers end to be cancelled or forgiven. The lender failed to provide me a 1099C form making it become income has to be filed. Due to it becoming income and it is to be reported especially something as derogatory, it has to come off my report because that is illegal.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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  : {$0.00} ; XXXX XXXX XXXX XXXX {$4800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I again unsuccessfully tried to have Bank Of America remove the incorrect entry on my XXXX credit report. Its been challenged numerous times, and BoA keeps saying its correct without any investigation. I didnt owe any money to BoAand was never late on any payment yet to date ( according to the XXXX credit report ) yet BoA repeatedly refuses to remove this. 

If this entry from 2013 were correct, it would also be on XXXX and XXXX, which its not. Ive worked very hard to rebuild my credit after I had XXXX XXXX XXXX and a divorce that caused the bankruptcy and now Im entirely fed up with nonsense. 

If this isnt taken seriously, my next step will be legal action. Thats not a threat, but a promise. Fix it now!
Product: Credit reporting or other personal consumer reports

Fraudulent Auto Account : Following the breach, a fraudulent auto account was opened in my name. I did not authorize this account, and it is a clear case of identity theft resulting from the Equifax data breach.

Negligence in Addressing the Issue : Despite multiple attempts to resolve this issue with Equifax, the fraudulent account remains on my credit report. Equifax has been negligent in removing or updating this account, causing significant distress and potential financial harm to me.

Fraudulent Auto Account : Following the breach, a fraudulent auto account was opened in my name. I did not authorize this account, and it is a clear case of identity theft resulting from the Equifax data breach.

Negligence in Addressing the Issue : Despite multiple attempts to resolve this issue with Equifax, the fraudulent account remains on my credit report. Equifax has been negligent in removing or updating this account, causing significant distress and financial harm to me.

The presence of this fraudulent account has negatively impacted my credit score.

I have spent considerable time and resources attempting to resolve this issue without success.

The ongoing presence of this account poses a risk to my financial stability and future creditworthiness.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and i seek appropriate redress for violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please ( Original Creditor : XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I have contacted a person for apartment, she is asked me to send the deposit then I sent her deposit in three transactions ( {$550.00} total ) through XXXX- Transfer, later she is not answering my calls nor replying. She blocked my number. The person holds Bank of America account. XXXX transfer is happened through BOFA To BOFA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # has violated my rights. 

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

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are XXXX damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit card or prepaid card

Today I noticed an unauthorized charge of approximately {$780.00} charge on my credit card that was from XXXX of XXXX and posted to my account in the XX/XX/XXXX statement. 

I called and filed a fraud/unauthorized charge with credit card fraud department. While speaking to the representative, she indicated that this charge was placed on a card that was closed and reported lost/stolen in XXXX. The number used to make the charge was from a closed card from two year ago. 

I asked why they would allow such a charge. She indicated because the merchant demanded payment. Bank of America went ahead and added the charge to my new credit card account. This was her justification. 

Worse, Bank of America did not flag this as possible fraud and I was never notified till I saw my billing statement and my monthly payment almost doubled. 

This does not make sense, I am the customer not that merchant. Why would Bank of America allow a charge because a merchant demanded payment on a current charge from a closed account from two year ago? 

The represetnative said it would take two days to remove this from my account but that the issue would still need to be investigated. I don't care if it needs to be investiaged on their end. It was their error, and their issue it should not affect me. 



This is incompetence and intentional deceitful by Bank of America. On top of that to make me feel better the representative told me that I was not the only account holder with a similar scenario. 



I demand that aside from removing the charge from my account and my credit report that I be monetarily compensated.
Product: Debt collection

ive tried to resolve this issue with the company and had little to no luck getting it fixed. if it isn't resolved I will be forced to take legal action against the company reporting the falls information against me.
Product: Mortgage

I was only refinancing my home and XXXX acers and when it was said and done the mortgage company had gotten the title to my farm and tied all of my land up. My mortgage is with embrace home loans out of XXXX, NC
Product: Credit card or prepaid card

I applied for a home depot business credit card on XX/XX/2020, I never received a denial are approval letter. I contacted XXXX XXXX a customer care representative at home depot and XXXX said she would look over my application but I never heard back from her. I was referred to home depot from XXXX XXXX  which is a company that assist businesses with building their business credit. I received a call from XXXX XXXX on are around XX/XX/2020 and they asked me did I reach out to customer service at home depot, I told the associate at XXXX XXXX that I still hadn't heard from home depot. The associate at XXXX XXXX asked me had I received a denial are approval letter I told them no. The XXXX XXXX associate told me to contact them again. I emailed corporate and received an email on XXXX XX/XX/2020 from XXXX XXXX and XXXX said that she had found my account number XXXX she also stated that my email was probably cutoff I dont see how when I have been receiving all other mail. XXXX said the next step was to place my order. But im skeptical about getting credit with home depot because it took them 5 months to approve are disapprove me. I feel as though that I have been discriminated against. It seems to me that's why home depot took so long to grant me credit.
Product: Mortgage

We contacted AmeriSave on XX/XX/XXXX, requesting information on products that they offered for non-owner occupied loans for two residential properties. First, we spoke with a representative, XXXX XXXX. We asked him if we were eligible for these loans, given that the title on the properties may be in the name of our XXXX XXXX XXXX XXXX. He assured us that he would check first before we initiated the process as he didn't want us to pay for an appraisal if it wouldn't go through. XXXX stated that he verified this information by checking county records and checking with his colleague. We started the process, submitted the initial application and scheduled the appraisals on XX/XX/XXXX. On XX/XX/XXXX, after the appraisal was completed and we paid for it, they stated that they could not work with us on one property as the title listed a company and not individuals. This was the specific question we asked before even moving forward with AmeriSave. It ended up that we wasted time and money on an appraisal for one property that wasn't applicable. The second property was eligible, so we decided to move forward with the loan process and providing them with an abundance of documentation. 

Through the month of XXXX and up until even today XX/XX/XXXX, AmeriSave has made our lives miserable and required 7 separate conditions from the underwriter. Some included full 12 month mortgage verification on a property completely unrelated. All property HOA and HOA bills ( twice ), insurance documentation, and more. I had complained that this was highly unprofessional, some conditions ( items requested ) were already sent and in their possession ; yet they requested it again anyways. Still, they continued exercising us constantly. We complained to management, and they told me that the underwriting manager as well as the loan officer 's manager were both involved. They came back with a final condition for full tax returns on two companies that we have ownership in. We submitted this final information on XX/XX/XXXX. I have called the loan officer responsible for our case everyday since then. I have left voice mails. She is very familiar with me, but I have received no response back. I have sent various e-mails, and still have received no response. They have gone completely dark and I can not contact anyone regarding my loan or what the current status is. I have been bullied throughout this process, have paid wasted fees, and taken time out of my busy schedule to bend backwards for them on multiple occasions. I have been proactive throughout this entire process, with me always reaching out to them, instead of vice-versa. I have run out of options, and can not stand for the unprofessional and uncaring attitude that is apparently systemic throughout this organization.
Product: Credit reporting or other personal consumer reports

I XXXX am Opting out of Any Permission of per XXXX  XXXX as A Federally Protected Consumer. I am now Opting out Of Any And All Authorization. I the Consumer may have given you Written or Unwritten. Verbal or Unverbal 15 USC 16802. This is Effective Immediately And Indefinitely.. XXXX, XXXX, Transunion, has been Violating 15 USC 1681 . Also they have been Violating 15 USC 1681 .Also they have been Violating the Privacy Act Of 1974 .Also they have been Violating 16 CFR 313. Also Violating 16CFR 433.1, 16 CFR 433.2, 16 CFR 433.3, FTC 1522. I have been going through this since XXXX.