23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Mortgage

My wife fell sick in middle of  XXXX  this year. Doctors put her off work indefinitely to treat the cause of her sickness. Me and my wife are sole earners and we both contribute to pay for our mortgage. We contacted our mortgage company and informed them we will only be able to pay half of  XXXX  's payment.   We explained our hardship to the company and they suggested to apply for loan modification. We agreed and we were instructed to submit the paper work. It took whole month of  XXXX  to complete the required documentation. We were only able to pay half of  XXXX  month 's payment.   We were told it would take  30-45 days  to process the modification.   We got a letter from the mortgage company last week dated  XXXX   XXXX ,  2017 that  modification was declined because default not imminent / default status not eligible.   The reasons gi ven : 1 )  We are current on our mortgage ... .Where as we are {$5300.00} behind as  XXXX  statement.    2 )  Financial hardship not documented that reduced income ... .my wife gets paid less than half of regular wages from  XXXX  insurance.     3 ) We have sufficient net income to pay current mortgage ... ..We submitted our income and expenses report which showed our total expenses could not meet the income.
4 )   We have enough cash reserve ... ..We stated in the income report that we have less than {$500.00} cash in the bank.
Product: Credit card or prepaid card

In so much that on XX/XX/2018 Chase XXXX did deny access to our account # XXXX ; and in so much that, per instructions on the web site, a phone call was placed to Chase customer service ( and that call was recorded ) to be issued a code for secure access ; and in so much that Chase customer service refused to issue such code ; and in so much that multiple secure emails have been sent, and received, notifying Chase of the cardholders blocked access to make payment ; and in so much that Chase has, after 3 business days, been unable to rectify and restore cardholder access as Chases customer service reports no ability to access said account ; the remaining balance due is hereby ( under both state and federal law ) exonerated. 

These finding as described are now a matter of record for the courts to hold should Chase pursue any legal action in any attempt to collect the remaining debt now exonerated to the cardholder. 

We retain proof that Chases web site permits unrestricted access to one of 2 accounts we hold, but does not permit access despite utilizing the same web site and identical protocol format. 

Furthermore, denied access to the cardholder is a breach of Chases terms and conditions. In addition, the cardholder now files with the following agencies relative claims as follows :
Product: Checking or savings account

I had to retire early and started drawing my SS. My pay checks were going into my checking account every week. I got a letter letting me know they closed my account. Of course I didn't know if I had a leg to stand on so I didn't report it, But I called the bank and talked to a lady and she said that I was no longer beneficial to the company any more so they closed my account. This has been five years ago but I felt I could try. It made me feel like gutter trash.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year>2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND NAMES REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

XXXX - XXXX - {$810.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXXXXXX - {$760.00} XXXX XXXX IN COMPANY - XXXX XXXX {$68.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX - {$68.00} XXXXXXXX XXXX XXXX XXXXK XXXX XXXX A - XXXX XXXX {$570.00} XXXX XXXX XXXX - {$15000.00} XXXXXXXX XXXXXXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX XXXX - XXXX - {$1000.00}
Product: Credit card or prepaid card

I received a text and email alert that someone made a purchase ( Order # XXXX ) on my Macy 's credit card in the amount of {XXXX} on XX/XX/2022. The shipping address was addressed to : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX VA XXXX. 

I already resolved this issue with Macy 's and they are sending me a new Credit Card. 

Thank you. 
XXXX XXXX XXXX.
Product: Checking or savings account

On today XX/XX/year> I attempted twice to use my debit card at a local XXXX which both times the transactions declined. I was aware my balance was low but it was enough available funds to cover the transaction. I then logged into my online account and noticed a message on not only the account in question, but my children savings account that Funds are unavailable for withdrawal. I called the number listed around XXXX XXXX and spoke with a representative named XXXX who stated to me that there was an investigation done and the institution decided to end the banking relationship. The reason to a check that was returned. The check was presented to me for a refund and I personally had no knowledge of the status of the said account. I the consumer is being penalized for the return check. 

The issue here is that the company is withholding funds without a cause and withholding funds from my childrens savings account that does not have anything to do with the account in question. I then spoke with a supervisor representative XXXX ID XXXX about the situation. I ask her for more information such the department that is handling contact info, what is the procedure, what is the timing process and phone number. She was unable to provide any of it. 

She stated the only information I can give you is the mailing address for the company President in which I felt was being very condescending. 

I have obligations I have to pay within the next few days and because of this companys actions of not making consumers aware of actions before they take them is gon na cause me hardship and stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

-XXXX XXXX- XX/XX/2021 -XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a new Capital one card and was approved. It had a promotion that if approved and it was either {$2500.00} or {$3000.00} that had to be charged within 90 days of account opening to be awarded XXXX pts to the Venture card. I spent beyond those amounts in 90 days and have not received my award XXXX award points. I called right before XXXX and the customer service rep from Capital One did the math while on the phone and saw I had met the minimum purchase qualifications and the time to award the points had past. She supposedly escalated the matter and a supervisor needed to look at it before my points could be immediately awarded. I was told I would be called by a supervisor in 4 days and my points would be awarded in 7. I have heard nothing.
Product: Credit card

On XXXX XXXX I filled the following complaint with the CFPB. Here is the complaint. 

On XX/XX/XXXX I called what I thought was XXXX XXXX Customer Support.The purpose of the call was to change my award travel ticket to a different date. The phone was answered Customer Support so I had no reason to think it was anything other than XXXX XXXX. The support desk said they would change the ticket date for me but in the transaction they asked my for my credit card number. I thought this was very odd but I mistakenly gave it to them. I was worried about it and after I hung up, I called XXXX XXXX again to make sure the ticket change was legitimate and it was, Two days later I received a phone call from XXXX XXXX XXXX asking me about a charge for {$980.00} from something called XXXX XXXX XXXX. I said that I did not authorize any transaction to XXXX XXXX. I disputed the charge since I never spoke to anyone at XXXX XXXX XXXX. When I disputed the charge, MasterCard- through Barclay 's Bank , issued a credit for the amount and investigated it. After the investigation and my speaking to Barclays on XX/XX/24, they claimed that XXXX XXXX showed documentation that I authorized the charge. Barclays said that because I authorized the charge they would not cover the {$980.00}. I asked if they heard a phone recording or what documentation did they receive to substantiate that claim? I tried to call XXXX several times. No one answers the phone and I also emailed them to ask about the charge. I never received a reply. Barclay 's Bank representative says that because the travel agency said that I authorized the charge that means that I did. But I did not authorize anything to XXXX XXXX. I have since found out that XXXX is a scam company. My complaint is with Barclays Bank and the XXXX XXXX XXXX. 

Since this complaint was filled I asked a friend to call the phone number that I used to change the ticket addressed in the complaint. I have attached the recording. XXXX XXXX confirms that they do not charge a change fee for award travel and that they never received any money for the ticket change. XXXX XXXX also confirms that there was no cost for the service because it was a date change and there is not charge for date changes on award travel. The money XXXX XXXX charged me went to their travel service and not XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding sales handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, My financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPBs finding indicate that Zelle has not only neglect to protect consumers, but has also neglect to allow repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Subject : Formal complaint against Transunion for failure to properly investigate and my complaint and provide proof of hard inquiry disputes as well as failure to correct personal information after proof was provided. 
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Transunion regarding their handling of my dispute concerning unauthorized hard inquiries and inaccurate address reporting on my credit report. I believe Transunion has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate my dispute and provide verification of the inquiries as required by law. I have disputed this issue online, by certified mail and I have called. 
The disputes are XXXX. XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX. XX/XX/year> XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, CT XXXX ( XXXX ) XXXX XXXX. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX On XX/XX/year>, I submitted a formal dispute to Transunion via XXXX mail, contesting three hard inquiries that appeared on my credit report without my authorization. Additionally, I disputed an incorrect address listed on my report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Transunion is required to conduct a reasonable investigation and provide verifiable proof of the disputed information within 30 days. 
Transunion said that the inquiries had been " verified '' by the companies, but they did not provide any documented proof of my authorization of the inquiries. When I contacted Transunion to request this proof, they said Transunion does not provide such documentation to consumers. This refusal contradicts FCRA Section 609 ( a ) ( 1 ), which entitles consumers to all information in their file at the time of request, including documentation used to verify disputed items. 
As a result of these unauthorized inquiries, I have been denied credit by XXXX XXXX, citing " too many inquiries '' as the reason for my denial. Although I have a XXXX XXXX of XXXX with Transunion, this has caused financial harm to me, impacting my ability to obtain credit and damaging my creditworthiness unfairly.
Product: Credit card

I applied for a card issued by American Express on XXXX/XXXX/15 and is what the AMERICAN EXPRESS BUSINESS PLATINUM CARD. I received a letter in the mail stating that the application was cancelled, every card card application I apply for with this creditor ends up being canceled not declined because I have excellent credit and they know it. They also single me out for every application in asking for a XXXX.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX  XXXX XXXX Balance : {$77000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.
Product: Credit card or prepaid card

On XX/XX/XXXX I was manipulated to open other credit card to pay for a service that was offered with XXXX I open an American Express and used for this service and paid {$3400.00} on XX/XX/XXXX, unfortunately this service never was received and the company was sued by many people to the Federal Trade Comission, I also filled a report since I never received what they promised after I fill the report the FTC recommend me to do the dispute for the transactions with the credit cards companies I used and today I talked to American Express customer service and after talking with many representatives they told me that because have been more than a year and they can't do the dispute, this is the first dispute to this institution I made and I feel very disappointed, I paid this service with more credit cards since the amount to paid was {$28000.00} and the other credit cards accept the dispute I don't understand why they refuse to do the dispute since they suppose to cover the purchases I don't use to often this card since always request for payment, please I need your help since due to this fraud I am in debt, appreciate your attention and help to this matter.
Product: Money transfer, virtual currency, or money service

I want to be reimbursed for my closed account due to scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, XXXX XXXX, and CARTER-YOUNG ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and CARTER-YOUNG ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Bank account or service

When I got my job at XXXX 3 weeks ago, I was ecstatic. I had no income for the past 6 months and my girlfriend has been supporting me. I reached out to Citibank and went through the process of getting everything set up. Today, I got my first check and wanted to take my girlfriend out to a simple nice dinner. I Googled to see which was the closest Citibank branch, to only discover that there are more Citibank ATMs here in XXXX XXXX than there are branches. I found one near our home, so after work, my girlfriend picks me up & we both decided to go deposit my check. 

Upon our arrival, we see it 's a XXXX XXXX store ; we were n't sure until we see big CitiBank posters in the window, so I thought it was a legitimate Citibank ATM, located inside of the store. After I deposit the check, the ATM spits out a receipt, showing the Amount Deposited, however the Available Balance is {$10.00}. Floored and not happy, I called customer service department and they say that my account was frozen by The Citibank New Account Department because of a paperwork I did n't provide. No call, no email & no letter in the mail telling me this? And you still send me a debit card, PIN, Checking Account number & Routing Number? 

So, we went home and I I 'M Citibank 's customer service, he refers me to Citiphone ( XXXX ) XXXX. The Customer Service lady explained to me that because I went to another banking institution, that I will not be able to have the rest of my money until the following Friday ( XXXX XXXX ). What other bank institution? The Citibank logo in on the machine. 

I asked her if a partial of the funds can be released ( {$100.00} ) at least to buy food for the week. She could n't and referred me to call a branch in the state of XXXX ( XXXX ) XXXX and maybe they can me. Are you kidding me? 

This is the worse bank experience in my entire life.
Product: Bank account or service

I have set up through Bank of America an automatic bill pay toward my student loans. In XXXX 2016 I had refinanced my student loans and my payments were deferred for the month XXXX 2016 and XXXX 2016. I thought I had cancelled the automatic bill pay for XXXX and XXXX 2016. The payment for XXXX did not process. However, the XXXX payment did process. I contacted Bank of America on XXXX XXXX when I saw the payment for {$400.00} processing. I was told that there is nothing that they could do until the payment posted to my account. I called Bank of America on XXXX XXXX when the payment posted to my account and I was told that there was nothing that they could do to reverse the payment since it was done through bill pay. They told me to contact the vendor who received the payment. The vendor initially told me that it will XXXXXXXX business days for a decision regarding my refund request. I contacted the vendor again and was later told it will take XXXXXXXX days for them to reverse the payment and that I should process the refund request through my bank since it was a ACH payment and they can refund the money back to me faster. My bank keeps telling me that it was not a ACH payment and that they can not reverse the payment even though I am disputing the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX account that I used to pay monthly with my XXXX XXXX credit card. I disputed an erroneous charge. I won the dispute. The XXXX XXXX dispute number for the dispute theat I won is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, illegally sent this charge to be collected by XXXX XXXX XXXX who then, without any notification placed it with Transunion as a derogatory account.