23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I mistakenly tried paying a Citi bank credit card with the wrong personal bank account which had insufficient funds. I realized my mistake but was unable to cancel the payment online. I was unhappy, but I was willing to absorb the cost of a single insufficient funds fee. 

However, after the weekend, I received a second fee on my personal bank and after contacting the credit card bank, I was told that Citi bank may attempt a third time and there was nothing I or they could do to stop it. 

I was recommended to submit a stop payment order using my personal bank which would have required me to pay yet another fee had my personal bank not waived the fee due my circumstance. 

All told, a single mistake caused three payment attempts which I had no way to cancel, which required three insufficient funds/bounced check fees of around {$30.00} each from both my personal bank and Citi bank which, had I not put a stop payment, would cost nearly {$100.00} per bank for a total of nearly {$200.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX, I discovered with great dismay that my credit history had been severely impacted by American Express due to a missing payment in XX/XX/XXXX. Concerned about this sudden negative entry, I immediately reached out to American Express via their online chat service to address and rectify the situation. Regrettably, after an exhausting two-hour conversation, during which I was transferred among eight different agents, I received no satisfactory answers or resolutions to my predicament. 

Through my interactions with the various agents, I discovered that the charge in question, totaling {$4.00}, was attributed to a credit card account ( XXXX XXXX XXXX, ending with XXXX ) that had been closed in XX/XX/XXXX. It was astonishing to find that a new charge appeared on this closed account after a period of over XXXX years. Furthermore, I was neither informed nor notified about this charge, which subsequently led to a missed payment reported to all three credit bureaus, resulting in a significant drop of more than XXXX points in my credit score. 

This situation deeply troubles me, not only due to the immediate consequences on my credit history but also because it raises concerns about the security measures in place at American Express. How was a charge made on a credit card that had been closed for such an extended period without my knowledge or consent? The lack of transparency and communication regarding this matter is disconcerting and demands an explanation from American Express.
Product: Mortgage

Went through loan modification with wells fargo for over a year they approved and for no reason forclosed?
Product: Debt collection

I have an account in collection in my credit report from RECEIVABLES PERFORMANCE. The original creditor is XXXX, I have never had any service from XXXX and every time I go to the store they say that I dont have service with them and that they cant help me. I want XXXX to validate what kind of service I had with them and the start and end date of the service. I wont be responsible of a debt that isnt mine. Please, I need help with this situation because isnt fair. The company never contacted me, I found out when I checked my credit report from XXXX.
Product: Debt collection

threatened me with a lawsuit if I did not pay a fraudulent debt they claim I owe. I do not owe any debt.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy on XX/XX/XXXX and the bankruptcy was discharged on XX/XX/XXXX. In that bankruptcy This XXXX XXXX account XXXX was included in a judgment of discharge on XX/XX/XXXX. There are no monies owed under this account and shows as a charge off and closed until I submitted a dispute with all 3 credit bureaus. Now it appears on my credit as money owed which is invalid. No monies are owed. As of XX/XX/XXXX, I mistakenly signed an agreement stating repayment on a card that I was not aware at the time of signing that it was the same card that was part of a past bankruptcy filed and discharged. I did not do the proper investigation or research before signing the agreement. Additionally I didn't know that legally a company can attempt to collect money after a bankruptcy has been discharged which is the reason why I assumed this was a valid debt before doing a thorough investigation myself. Upon pulling my credit in XXXX, XXXX, I found that this account was discharge and appearing at a XXXX balance. My reasons for filing the dispute even though my credit showed no balance owed was because I was making monthly payments on a debt that was charged off and wanted to be relieved of that agreement. I asked XXXX XXXX XXXXXXXX XXXX XXXX to have the agreement I signed dissolved and void due to my investigation. I have since contacted both XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX Firm disputing this amount I'm being sued for. I have provided all documents to support my bankruptcy filing and advised that the contract to be terminated. I have not received any callbacks from either XXXX XXXX or XXXXXXXX XXXX XXXXXXXX regarding this dispute. I'm asking to have this amount removed from my Credit and show no balances owed as it did initially before submitting a dispute with all 3 credit bureaus without any notes to be added to the closed account and charged off. I'm also asking to have all agreements dissolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Debt collection

XX/XX/2018 XXXX Spoke with XXXX XXXX @ XXXX XXXX XXXX XXXX ( XXXX XXXX ) about SETTLEMENT AGREEMENT for balance due of {$2200.00} to XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX. Settlement agreement for the amount of {$800.00} made between XXXX XXXX XXXX on behalf of XXXX XXXX. Initial agreement was for 3 payments of {$260.00} to paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. Modification made to initial agreement made Monday, XX/XX/2018 with XXXX @ XXXX XXXX XXXX XXXX for 2 payments ; XX/XX/XXXX {$260.00} and XX/XX/XXXX {$530.00}. Settlement was paid according to initial and modified agreement. I have attached transcript of phone recording, letter confirming settlement agreement from XXXX XXXX XXXX XXXX, and bank statements confirming payments. My account has been reactivated on my credit report. I have been called no less than every few hours every day by XXXX XXXX in an attempt to collect the full amount of the debt that was settled XX/XX/2018. I want removal of the account from all 3 credit bureaus. I want a letter confirming the account has been settled and paid in full from XXXX XXXX XXXX XXXX and XXXX XXXX. I want to have them apologize for harassing me every day with collection calls and if you can fine them, please
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX
Product: Credit card or prepaid card

We respectfully ask the CFPB to intervene and prevent Chase Card Member Services from charging us for services we never received. 

Our Chase Sapphire Reserve Credit Card was charged {$1900.00} on XX/XX/20 by XXXX XXXX XXXX XXXX for two XX/XX/20 flights which were cancelled by the airline due to Covid virus. We ended up being evacuated from XXXX to the US a week later for nearly twice the cost. 

We asserted our Cardholder rights three months ago and appealed to Chase Cardmember Serices following their dispute process to refund the charges on our card for flights never provided. 

Chase has tried to close out our complaint twice. On XX/XX/20 " XXXX   XXXX '' of Chase contacted us to close our dispute because the charge " took place too long ago ''. We filed our complaint with Chase just three months ago after XXXX refused to refund our money. We will appeal again but need your help. 

We are senior citizens on fixed incomes and respectfully request a refund for two flights which never took off. We have several credit cards with Chase, pay on time, and have a very good credit rating. We just want Chase to do the right thing and not charge us for services which were never rendered. 

XXXX XXXX XXXX offered us useless vouchers for future flights but refuses to refund our payment. We need a refund and can not use vouchers. XXXX XXXX XXXX  is a lot of money to us and our family. 

We have filed a formal complaint against the airline with the US Department of Transportation because their enforcement notices require prompt refunds for cancelled flights by international carriers. We are waiting for the outcome of that dispute. 

CFPB : Please help us. We don't know where else to turn. XXXX XXXX XXXX  is a lot of money to us. 




.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information
Product: Checking or savings account

I was in XXXX XXXX with friends on a trip in XXXX when my wallet and phone were stolen at a restaurant. After failing to find the stolen phone and wallet, I contacted SUNTRUST and reported my card stolen. At that time they went over several transactions that included ATM withdrawals. During this recorded line, I let them know what was my last transaction and all the fraud one. They made two cases - one for the ATM charges and the other for actual credit charges. At the same time I had to contact XXXX and try to get a new phone. I received a letter stating that both fraud charges were denied and contacted SUNTRUST to find out why. They refused to give us information and stated that we could only do an appeal. They sent us the form needed and I filled it out. In the appeal, I showed proof of requesting new phones, money transfers that my wife sent to my friends since I had no way of getting cash since my bank account was emptied. After 45 days - where we called several times and were told that no information could be given - we received a second denial. There was no explanation, no documentation of the investigation to back up the decision. We recorded this phone call because of all the false information the bank kept giving us. We were finally sent to a supervisor who stated that there was nothing else we can do. After an appeal is denied there is no futher procedure to fight for injustice. There is no proof of the investigation and the supervisor could not give us a reason for the denial. We recorded the supervisor informing us the the decision is given to a specialist and once they decide SUNTRUST will not do anything else. My identity was stolen, my bank account was emptied ( over {$1000.00} ) - my bank history shows I have never taken out more than XXXX cash ever at one time - EVER since I opened the account but they refused to find 5 transactions of XXXX at an atm unsuspicious! At a time where we need funds and shouldn't be playing around with a family 's finances, SUNTRUST literally told me they would do nothing. I'm considering getting an attorney because this is UNFAIR and ILLEGAL!
Product: Credit card or prepaid card

This is a follow up to my first complaint which was never resolved but the case was closed. I applied to Barclays for a credit card and gave all the personal information plus the follow up documents that were requested. I never heard back. I tried for weeks to contact them but never was able to speak to a representative. When I finally did, I was told the request was denied but I had never been notified. I was told a letter would be received, which, to date, has never come. I asked to speak to another person and was refused. I submitted a complaint to your office and an inquiry was initiated, I heard from a Barclay 's XXXXXXXX ( " XXXX '' -no last name ) who stated I would need to resubmit the documentation and I declined, having submitted personal information twice already. I was asked if I wanted to withdraw the application and I agreed to avoid more " lost documents '' - ( as " XXXX '' stated ). I received a phone message to which I responded XXXX  times but never heard back. 
To date I have NEVER received " the letter '' explaining why I was rejected. I checked my credit score and it was not the problem. Now that I " withdrew '' my application '' all has been disregarded, including in your office but it does not in any way solve the problem of the collection of extensive personal information and no notification whatsoever about the rejection. No, this case is definitely not solved! I will continue to pursue this as this financial institution has my personal information and I have received nothing about the reason for the declination. Withdrawing my application does not correct their transgressions and closing the case does not eliminate the situation. I was definitely NOT going to RESUBMIT more financial information when I had already done so on the phone and by email and received NO RESPONSE in return. Why did their office never return my XXXX return phone calls? They left a message and never called me back after " XXXX '' offered to withdraw the application, which I have since found out will adversely affect my credit rating. This is abuse of XXXX XXXX of the highest order and I have received no answers from you, them or the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 4 account on my credit report that are not mine and should not be there, I believe I am a victim of identity theft
Product: Student loan

To whom it may concern XXXX XXXX XXXX XXXX previously known as XXXX has been increasing my interest rate periodically since 2010. I attended the XXXX XXXX  XXXX XXXX in 2010, as most XXXX Schools are scammers they force you into private loans and then do not prepare you for the boards I was XXXX of those future doctors. I ended up transferring completing my MD and doing my residency. As a frontline and a Neurology resident at the University XXXX XXXX, student loans are the pain of my existence. I started with XXXX which is now 12 years later XXXX, which is understandable. Today, I received a letter from XXXX XXXX XXXX XXXX that all XXXX of my loans increased by XXXX XXXX interest making them now XXXX XXXX and XXXX XXXX which is absurd. The original agreement did not depict such a large increase. During this day and age, I could not believe the increase I have now been on the phone with them for XXXX hours and XXXX minutes unable to get a response as to why this happened. I would appreciate your help in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICE INACCURACIES ON MY CREDIT REPORTS APPROXIMALY SIX MONTHS AGO. SINCE THEN I HAVE BEEN DISPUTING THESE NEGATIVE ACCOUNTS BY CALLING AND SENDING MULTIPLE LETTERS TO THE 3 CREDIT BUREAUS ( XXXX, XXXX  AND XXXX ) ON XX/XX/2019,XX/XX/2019,XX/XX/2019, AND XX/XX/2019. I KEEP RECIEVING THE SAME RESPONSE ( ACCOUNT VERFIED ) YET THERE'S NO METHOD OF VERFICATION PROVEN THAT THESE ACCOUNTS ARE MINE!!
Product: Checking or savings account

Key Bank is greeting online customers with a pop up screen that says, " Review Your Contact Information. '' Nestled at the bottom is a check box that says " I agree to the wireless express consent provision. '' If you do not check that box, you can not complete and clear the screen. You can choose " remind me later, '' but it is unclear if it will be required at some later point. 

The bank has essentially snuck a new contract provision into the info update screen and is asking all users to sign it. If this is legal, it is disingenuous and none of these contracts should be upheld. I do not consent to this new provision, and I fear I will soon lose access to online banking because of it.
Product: Debt collection

HELLO this collection company repeatedly contact me even when I have ask not to do so. The debt was unknowingly refer to collection with no prior duscuss or formal communication by the company XXXX. I also notice on the correspondence the amount of the debt is higher than reported on the credit report. Collection agency added fees. I never heard from XXXX or was advice of any debt till view in my credit report and a new collection agency took over. I repeated inform them to stop and they have ignore this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Zales ( Comenity Bank ) closed and sold my account while reporting the account as charged off to all major Credit Reporting Bureaus. The name on the account is in the name of XXXX XXXX, the total amount that was sold to a collection agency ( which I did not contract with ) XXXX XXXX XXXX and their reporting it as well. This is a direct violation of my consumers right under title 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Request to remove the fraudulent information was returned with an answer that it was verified to be correct. Zales sent a affidavit clearly that the account was closed and SOLD to XXXX XXXXXXXX XXXX  while still sending charged off account to all major credit bureaus. I have sent XXXX XXXX a request to show where they have authorization to report on the credit for XXXX XXXX along with information that XXXX XXXX agreed to be in a binding contract with 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, 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, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING AND XXXX  ACCOUNTS 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 XXXXXXXX HAS VIOLATED MY RIGHTS - 15 U.S.C 1681 SECTION 603 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: Mortgage

My loan was transferred to Specialized loan Servicing in XX/XX/XXXX XXXX. from XXXX XXXX . SLS was to start accepting payments after XX/XX/XXXX XXXX XXXX approved me for a Flex Modification trial plan XX/XX/XXXX Payments were to begin XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. After the transfer SLS would not honor the trial flex modification. XX/XX/XXXX i traveled to XXXX for my brothers wedding. I did not return to the states until XX/XX/XXXX. A modification was mailed to my home. A relative who was checking on my house while i was away mailed the packet to me. The modification was dated XX/XX/XXXX. I wanted to accept but i had difficulty getting to the US embassy in time to get in notarized. I did call SLS to explain my situation. However SLS was unwilling to extend the deadline. When i came back to the states i saw a HUD housing counselor. A financial packet was sent to SLS on XX/XX/XXXX via usps 2-3 mail. That modification request was denied because SLS states that a trial plan was previously offered and failed. I never had a trial plan with SLS
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix and update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,
Product: Checking or savings account

I got a email on XX/XX/08 stating to contact JP Morgan chase as my account may be shut down. So I called the number listed they transferred and stated that the bank could no longer maintain a relationship and that my accounts would be shut down I thought Id be able to get my funds out at least to deposit in my other bank but they shut my cards down as well as XXXX my XXXX which makes it to where I can not send the money to my other bank I had no warning which is not professional