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

On XX/XX/2022, I, XXXX : XXXX, Beneficiary, sent correspondence to AMERICAN EXPRESS " AMEX '' at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding a major violation on their behalf against my consumer protected rights. After sending them this correspondence, they are continuing to fraudulently and maliciously cause me harm by reporting my consumer experience by means of credit utilization which is in fact ILLEGAL. On top of closing my account without my written consent. According to 15 USC 1681 ( a ) ( 1 ) my consumer experience is NOT included in " consumer report ''. I attempted to address this matter directly with said company and they are continuing to report on the utilization of the account. Please address this matter with them immediately. I am currently gather my documents for my next step which is to take aggressive legal action. 

I have also sent them a negotiable instrument to bring my account balance up to date and they have kept and accepted my negotiable instrument and continued to send me the same bill in the amount of {$2000.00} in an attempt to defraud me by double dipping.
Product: Credit card or prepaid card

I applied for a credit line increase with Zales XXXX Card through Community Bank. I was then called by a representative from Zales stating that they needed a bill from my current address. I immediately went to the US Post Office and mailed it to them. If you search this tracking number # XXXX usps.com you'll see they received the requested info on XX/XX/22. I called and someone told me that they were still reviewing it and someone will contact me when they get a chance. 

On XX/XX/XXXX I see my phone declined a call that came from Comenity bank. I called back and it was their collections department. the gentlemen couldn't figure out who called me and also confirmed that I had a {$0.00} balance with Comenity and couldn't confirm who exactly called me. So he transferred me over to another representative that basically stated that he couldn't tell either, I explained that I was in the process of trying to get a credit line increase to at least $ XXXX {$5000.00}. He said once they're done reviewing my account they'll call me. 

Today XX/XX/22 I received a letter stating that they can't increase my credit limit because they tried to reach me and wasn't able to. That's a lie I spoke to a presentative that stated that they need additional information. This bank is discriminating and I'll like for this to be noted.
Product: Checking or savings account

Square representatives refuse to provide a trace for my money transfer to my bank account, which did not show up in my bank account and the money is missing. Square refuses to provide customer service and refuses to provide a trace on this money and will not help their customer.
Product: Checking or savings account

I opened several accounts with XXXXXXXX XXXX around XX/XX/2022. After 3 weeks or so after using my Ally Bank account to transfer money to my XXXX account totaling XXXX USD my accounts were placed on Restricted Mode pending an Identification Process. I submitted pictures of my State ID as well as my Cell Phone bill due to it being the only utility bill I had, as well as a correspondent between me and the XXXX Office of the Comptroller, to better prove I am who I say I am but I was told that that was unacceptable. I have called the bank several times to retrieve my funds only to be told that they would write it off which would cost me to lose my XXXX that is being held in the account. They claim the only other method would be to call Ally and have them issues a recall. I was told this method on several occasions and even told so in an email correspondence between me and XXXXXXXX XXXX. I would them contact Ally Bank and explain what occured to which they also told me the only option would be a recall. The recall was performed and a total of around XXXX XXXX  was recalled against my XXXXXXXX XXXX account. The recall would go through but around the week of XX/XX/2022 the XXXXXXXX XXXX  would get charged against my account. I would call Ally Bank and they would attempt to infer that despite me explaining to them what happened and them agreeing that it rally was necessary, even after both Bank parties suggested and recommended it, that the transaction was done in " Good Faith '' and after I would argue that they would attempt to claim it was a different transaction then the recall. On XX/XX/2022, I would login to my account to see the second recall was also charged against my account. I have reported this to the FBI as wire bank fraud due to it seeming as a coordinated scheme to fraudulently charge my account and cause it to get closed. From the unjustifiably XXXX account freeze, to the suggested recalls, and the attempts at committing wire fraud by overcharging me on fraudulently charges. I especially asked if that is what they are doing and they would say no and then turn around and do exactly that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting to remove the Fraudulent Information : XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$72.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.
Product: Credit card

I opened an American Express Platinum Membership Rewards credit card in early XX/XX/XXXX. I added my husband and XXXX children as additional card members to the account. I paid the {$690.00} annual membership fee for my card, and the {$170.00} annual membership fee for my 3 additional card members ( it was {$170.00} total for up to 3 card members ). 
I recently noticed I was charged {$190.00} for EACH additional card member on my account in my XX/XX/XXXX statement, plus my {$690.00} annual fee. I was not made aware that the fees would increase for my additional card members. I went back through all of my monthly statements since I opened my credit card account and none of them disclose the increase to me. 
In fact, in my XX/XX/XXXX statement is says " If you were not notified of a change to the Annual Fee for Additional Platinum Cards, we will charge {$170.00} annually for up to XXXX Additional Platinum Cards, {$170.00} annually for each Additional Platinum Card after the first XXXX, and {$0.00} annually for Companion Platinum Cards. We will notify you if there will be a change to the Annual Fee for Additional Platinum Cards on your account in the future. '' So I am trying to understand how it is okay for them to triple the annual fee for my card without my knowledge. And when I called, they say that is the fee now, but can't tell me where and when they informed me differently than what I share above. They also said I was outside the 30 day window to get the full refund. If they haven't disclosed appropriately to me, the fee should stay the same and I should be able to keep those additional platinum cards with their benefits at the price they disclosed to me. They want to downgrade those cards which is quite unfair and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX 4 . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Duplicate ) 5.EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7.XXXX XXXX XXXX XXXX, OH XXXX 8.XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX , UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate name and addresses on my credit report. Despite prior disputes, these incorrect name and addresses remain listed : These name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of severe identity theft and fraud, tax fraud, financial fraud, thats been ongoing and law enforcement nor id shield is willing to help with past fraud to help me move forward in my life, i am mentally disabled need help with things like this being its taken a stressfull tol on my mental and physical health. My credit history goes as follows only negative issues in all my lifethay should be on my reports is 1 ) child support arrears i had and paid in full XXXX WHY STILL COLLECTING ON IT I DONT KNOW need documentation to show ORS that i paid this off please help with that id possible ; 2 ) XXXX XXXX XXXX i paid off in full long time ago ; 3 ) third district court fines i paid off in full awhile back ; XXXX XXXX, XXXX my identity was stolen, i had a credit score of about XXXX come XXXX XX/XX/XXXX my score plumetted to 3 due to identity theft fraud i could not get into XXXX to check credit since then until recently now i am unable to get into experian account due to ongoing fraud XXXX varies with access but that is due to security questions i dont know answers to because THE THIEVES STOLE MY IDENTITY AND I HAVE NO KNOWLEDGE OF WHAT AUTOMOBILE THEY PURCHASED OR WHAT LINE OF CREDIT THEY RECIEVED AND MONTHLY PAYMENTS ON MORTAGE LOANS NONE OF THIS IS ME! PLEASE HELP I CANT KNOW WHO TO TURN TO ANYMORE i have id shield services and smart score DONT INVESTIGATE PAST STUFF IM WILLING TO PRESS CHARGES ON THESE THIEVES TO HELP PROBLEMS WITH FRAUD IN MY COUNTRY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1681n Civil Liability for willful noncompliance Chapter XXXX Bankruptcy Case Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Thank You Sincerely yours, XXXX XXXX
Product: Credit card or prepaid card

I have been a long time Chase Marriott Credit Card Customer. On XX/XX/21 I received a letter from Chase advising my account was past due. The letter stated " bring your account current by paying XXXX right away. '' I was not aware of any {$40.00} purchase, so I called Chase. I was advised that I had paid a {$240.00} ( ish ) bill on XX/XX/XXXX, but the bill was {$240.00} and I was therefore XXXX delinquent. I asked what I had purchased for {$40.00} that was delinquent and I was told that was the current minimum payment for the card ( my renewal fee which was on my XX/XX/XXXX bill, not due until XX/XX/XXXX and therefore not late ). So Chase was dunning me for XXXX and attempting to make it appear that I actually owed {$40.00}. No one was able to explain why this was being done, but it is clearly improper to XXXX me for a bill that is not yet due. Further, to take this level of action over XXXX on a card that is always paid on time and in full ( except, apparently, this once for XXXX ). Finally, I note that I did not receive any invoices from Chase in XXXX or XXXX advising me of the outstanding sum of XXXX. Had I received an invoice, I would have paid it. Chase 's actions are very unfair to consumers - I was super stressed, concerned that my credit report would be impacted due to a late payment. I wasted 30 minutes on the phone with Chase only to learn that this was all the result of a XXXX issue. I have since cancelled my Chase card as I believe their actions to be a violation of consumer laws.
Product: Debt collection

I discontinued insurance with XXXX  and ended my policy. I was told by XXXX  that the policy amount was prorated and I paid for the amount of service i retained. I told this CCS company that this was settled and please stop sending harassing letters because I don't owe XXXX. Company has not responded to the requests I have asked for proof with a validation letter including a copy of proof of ownership, copy of payment history, copy of my original policy, and proof of payments with cancelled checks, as well as proof the are allowed to collect debt in my state. I also ask that if all is not provided to please close and remove for my credit reports before taking legal action for fraud. I have also contacted the three credit bureaus for an investigation.
Product: Checking or savings account

I went to my bank 's USAA - ATM which is an off site ATM to make a deposit on XX/XX/2023 at XXXX TERM ID XXXX. The check amount was {$560.00}, coming from my wife 's bank account, which I have made in the past numerous times but NOT at that ATM location. The location address is XXXX XXXX XXXX XXXX, XXXX XXXX, TX. 
When I would make a deposit with the same check from same bank in the past but at my normal off site ATM off of XXXX and XXXX XXXX, the ATM system would made the funds available the same or next business day. This other ATM had in issue reading the amount of the check since it gave me a message " Unable to read the check amount, please enter the amount '', so I did on the key board. When it did not give me the funds available, online it showed funds being held 5 business days. Monday when i called my bank, rep said it deemed the check possible unpayable? My wife called her bank on Monday, they verified the check was cashed that day. Why is USAA holding on funds received and still waiting for this POSSIBLE UNPAYABLE check, when it already paid. I think the ATM program is off, since it could not read the amount on the check, and entered a code for a bad check in error. I needed the funds to pay for RX, and my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to get my credit report you guys keep mixing up me and my fathers information we have the same name
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate and remove the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Mortgage

MY MORTGAGE WAS SOLD ON XX/XX/2018 TO RUSHMORE LOAN FROM XXXX XXXX XXXX  MY MODIFICATION PAYMENTS WAS $ XXXX@ 4.00 % FOR FIVE YEARS, MADE SIX PAYMENTS TO XXXX XXXX XXXX, THEN MY LOAN WAS SOLD TO RUSHMORE LOAN # XXXX I MADE 7 PAYMENTS  TO THEM THEN I FELL BEHIND ON MY PAYMENTS BECAUSE OF JOB LOSS IN XX/XX/2018 RUSHMORE IS TELLING ME MY PAYMENT CHANGE TO {$1600.00} A MONTH BECAUSE CALIBER CALCULATED WRONG I SIGNED A PERMINENT MODIFICATION I FEEL LIKE THEY ARE TRYING TO FORCE ME OUT OF MY HOME
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, My credit report stated I had an collection from ( XXXX XXXX XXXX  sold to XXXXXXXX XXXX XXXX XXXX XXXX listed multiple times on my credit report. on XX/XX/XXXX, I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. XX/XX/XXXX, Debtor purchased debt ( violations : proof of debt with wet signature. ) XX/XX/XXXX, I Disputed this collection again with XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Creditor removed collection account from XXXX & XXXX and XXXX time on XXXX  only. I requested to be removed on all bureau. creditor sold debt to Debtor and Debtor failed Request. Debtor purchased debt violations : proof of debt with wet signature, XX/XX/XXXX, I Disputed this collection with twice XXXX  XX/XX/XXXX, Debitor reported the collection account on XX/XX/XXXX with the same account On XXXX and XXXX  as of XX/XX/XXXX. ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX  as of XX/XX/XXXX. XXXX  payment status is late 120 days on a collection account XX/XX/XXXX, Debtor has reported the collection to XXXX  ON XX/XX/XXXX Debtor has not responded to my request or updated my account on XXXX  and XXXX. This Debtor and XXXX 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately.debtor failed to update the comment section that i disputed this account. debtor and bureau deleted the information on XXXX  AND XXXX and reported the account as of todays date XX/XX/XXXX. Creditor ( XXXX XXXX XXXX  removed from XXXX  sold the debt to XXXX and then XXXX reported the collection on my account and did not update in the comment section that an investigation was completed
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Account Number : Current Employer : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Employer ( s ) : XXXX XXXX XXXX XXXX. 
3. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX  XXXX XXXX va XXXX 4. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received a phone number staged to be from TD Bank saying there has been fraudulent charges on my account. The fraudster I was speaking to used the info I had given him because I thought he was a TD Bank rep to get access to my online banking and he stated that there were 17 pending XXXX charges from my account to an email with the name XXXX XXXX. But what happened was the fraudster on the phone added a new contact into my XXXX account titled Your Account and was transferring my money from my savings to checking and then issuing XXXX payments. Then I received texts from TD Bank asking if I wanted the payments to be sent to " Your Account '' which was actually the fraudsters contact name he added to my XXXX account was staging as a TD rep. The actions taken by TD Bank was closing my accounts but they did not freeze them at all and they allowed about {$2500.00} in pending charges that were " Next Day Payments '' on XXXX still leave my account and it wasn't until later until we spoke to a different TD Bank rep that we were told that those charges could've been cancelled while they were pending but it was on me to know that and not the TD Bank fraud department because it was done through XXXX. In total the scammer got around {$3500.00} out of my accounts when most of the money could've been stopped from leaving.
Product: Mortgage

My mortgage was bought by a new company. XXXX. My loan is due on the XXXX of every month as per my original contract. I am supposed to have a 15 day grace period to pay my loan before I am charged any late fees. This new loan company is charging a processing fee based on how many days have passed from the actual due date. Example : if I pay my loan after the XXXX I get charged a {$5.00} processing fee. If I pay my loan after the XXXX then I have to pay a {$10.00} processing fee. If I pay after the XXXX, I am charged a processing fee AND a late fee. When I asked them about this fee they said it was simply a processing fee, however they are obviously charging customers based on how late they are. This is not in my original contract and I am supposed to have a 15 day grace period without any fees what so ever. They are just using the term processing fee other than late fee to get around this. They told me it was within their rights to charge me this fee. They are taking advantage of customers by doing this. My pay is bi-weekly and I cant always pay it right on the XXXX of the month every time. I should not have to take money out of my savings account to make my house payment just to avoid their processing fee. I have been charged his fee the past several months. Please do not let them continue this practice. They are just trying to sneak in extra fees on consumers hoping they can get away with it by calling it a processing fee. Thank you!