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

Everytime I contact American Express to see if my application for a corporate card was approved -- they apologize and tell me they are still working on it. They say the same thing over and over. It's been 6 months since I applied. Pls note just 1 of my chat sessions below : Thank you for contacting American Express Global Commercial Services. My name is XXXX. How can I help? 
You at XXXX, XX/XX/XXXX : Hi XXXX how are you doing this afternoon XXXX at XXXX, XX/XX/XXXX : I'm well. How are you doing? 
You at XXXX, XX/XX/XXXX : I would like to know the status of my application for the Amex Corporate card program You at XXXX, XX/XX/XXXX : I put an application in XXXX and have contacted Amex on several occasions and i have not heard anything. 
XXXX at XXXX, XX/XX/XXXX : Okay. I'm in a new acquisitions channel so I don't have access to see your application. You can get in touch of the representative that was assisting you with the application or you can contact our corporate help desk. 
You at XXXX, XX/XX/XXXX : No You at XXXX, XX/XX/XXXX : What department should i go to because i am not getting any help from my representative XXXX at XXXX, XX/XX/XXXX : what's the name of your company? 
You at XXXX, XX/XX/XXXX : XXXX XXXX You at XXXX, XX/XX/XXXX : here is an email i got from XXXX on XX/XX/XXXX where XXXX said this was unacceptable and way past XXXX 's You at XXXX, XX/XX/XXXX : Hello XXXX, Thank you for reaching out via our chat channel this afternoon. I understand from that conversation that you have an application that has been delayed well beyond the normal timeframe. I am currently doing research on your account but just in case I am sending my direct contact information as you requested. 

Best, XXXX XXXX | DIGITAL SALES CONSULTANT | U.S. COMMERICAL ACQUISTION GROUP GLOBAL COMMERCIAL SERVICES AMERICAN EXPRESS XXXX at XXXX, XX/XX/XXXX : I found your opportunity I can reach out to the representative to have them get back to you on the status. 
You at XXXX, XX/XX/XXXX : I was last told that it would take 5 to 10 business days and now it has been 14 days You at XXXX, XX/XX/XXXX : I do not want to be dished off again to someone else that will not help me. 
You at XXXX, XX/XX/XXXX : Can i get a manager in charge of that department You at XXXX, XX/XX/XXXX : I need to speak with someone that can help me. An application should not take 5 months this is ridicoulous XXXX at XXXX, XX/XX/XXXX : I'm sorry that you haven't received a decision yet, I know that can be very frustrating. If you would like to provide me your phone number I can have one of my leaders to contact you so we can get an update on your account. 
You at XXXX, XX/XX/XXXX : Okay. I need someone to call me TODAY. My phone number is XXXX XXXX XXXX Direct : XXXX
Product: Credit reporting or other personal consumer reports

Hi, I was just on the phone with the fraud team from XXXX XXXXXXXX XXXX XXXX  and they told me this fraud account shall be deleted from my credit report. I spoke to the manager and he said they can not dispute this account because they don't have on the system.

I was just informed by them that I have the right to request this fraud account for deletion as fraud and I would like to exercise that right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Experian to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was XXXX of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Experian at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been XXXX XXXX  twice stressing over this. It's not fair and federal laws are being broken at this pointI.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion Corp. ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX  XXXX XXXX ....
Product: Checking or savings account

My name is XXXX XXXX XXXX months ago, I set up a small business and used square to process payment. 

XXXX decided to put my funds on hold and promised to allow me to withdraw it after 90 days being XX/XX/XXXX. 

However, on XX/XX/XXXX, square sent me an email saying that they have decided to hold my funds for an additional 60 days. 

However, today I checked my square balance which was about {$2300.00} to see if it's still there but I noticed square has taken over my funds as my balance is XXXX. 

I need my funds and the access to withdraw my funds from square without any other delay. 

I've waited enough The email address associated with my square account is XXXX XXXX
Product: Credit card or prepaid card

For the last 3 months, basically as long as XXXX has been the processor, my payments have been posted up to 2 weeks after the date sent, resulting in late fees and interest charges. In this last case the payment was admitted to have been received XX/XX/XXXX and yet not posted until XX/XX/XXXX. Each time I needed to contact the processor and explain to have the charges deleted. They admit the payments have been received before the processed date but still assess the fees and interest. I can't believe my bill processor 's transmittals can take that long to be received! I've had this card for 35 years, under other processors, with next to no problems.
Product: Money transfer, virtual currency, or money service

This is a third party company for me to be paid as a 1099 through. I signed up for an account, provided state issued ID as well as the header of my bank statement ( with account & routing number visible ) They said they need to see my actual bank statements- personal transactions that needed to be visible to them. I asked them why and they said it would be " helpful ''. I asked what about my statements would verify my ID since I had already provided a state issued drivers ID, state issued birth certificate, employee issued w2 form, and state issued carry permit, they still denied me and said that for verification purposes I needed to provide my private bank statements. I dont know how else to get paid from the job and I will not be providing my private bank statements. 



****Not that this matters*** they further tried to pressure me by saying they ask this of everyone ( even if they did its a continued invasion of privacy ) however I spoke with several individuals who said they had not been asked to provide private bank statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these hard inquiries listed below need to be removed completely from my Equifax credit report. I am a victim of fraud and identity theft and these hard inquiries are not mine as they are all fraudulent and unauthorized. 

Hard Inquiries ( 12 ) Hard inquiries may impact your credit score. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX of XXXX XX/XX/XXXX Dispute this CXXXX XXXX XXXX XXXX XXXX, OH XXXX Date of XXXX XX/XX/XXXX Dispute this XXXX  XXXX XXXX XXXX XXXX OH XXXX Date of inquiry XX/XX/XXXX XXXX this XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX this XXXX XXXXK XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Date XXXX XXXX XX/XX/XXXX XXXX this XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX Date XXXX XXXX XX/XX/XXXX XXXX this XXXX po box XXXX XXXX, TN XXXX XXXX of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Date of inquiry XX/XX/XXXX Dispute this
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/XX/XXXX
Product: Credit card

I have requested a paper bill statement on a monthly basis from Goldman Sachs Apple Card and the company has refused the request. I do not own an XXXX  phone and can not monitor my account without an XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XXXX and XXXX of 2016. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Product: Credit reporting or other personal consumer reports

It is disheartening that the Credit Bureaus, namely Experian, XXXX, and XXXX, have failed to remove the persisting fraudulent items from my credit reports over the past three months. The absence of any deletions during this period is particularly concerning as I anticipate another update to my credit report within the next 15 days. Regrettably, there is a sense of apprehension that I might encounter yet another instance of failure to delete these items from my file. I would like to reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft within four business days of receipt. Additionally, as per Section 605b, Credit Reporting Agencies are required to expeditiously remove any items listed on an identity theft report, specifically under reference # XXXX, pertaining to my case. The items outlined in my earlier complaint dated XX/XX/XXXXXXXX  have been reiterated here per bureau, as this complaint serves as a follow-up : XXXXEXPERIAN : 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: Mortgage

My mortgage was serviced by Midland Mortgage ( MM ). Per the attached documents, they modified the mortgage payments due to the delinquency caused by Covid 19. After the loan was modified, MM claimed would not accept the new payments and then proceeded with foreclosure action. All of my trial modification payments were made timely, and MM would not honor the final loan loan modification terms. My property was sold at foreclosure auction on XXXX to XXXX XXXX and I am now facing eviction. I feel cheated and deceived by MM. They are in clear violation of CFPB law 1024.41and I am seeking restitution from them.
Product: Mortgage

I obtained a loan with XXXX Mortgage in XXXX and my loan was transferred shortly after closing to SPS XXXX My loan has an amount of {$9000.00} currently in escrow and there is an overage of {$6700.00} that is due back to me from an overpayment of my escrow. I have requested a refund of the overpaid since XX/XX/2023 and each time I have called in I have received customer no service. There has been three escrow analysis done pertaining to my loan and yet each call has resulted in false information. SPS has said they issued a refund on two occasions and each occasion before a check being placed in the mail there has been a stop payment placed by SPS. I in good faith have never made a late payment, skipped a payment or been in default of my loan but this is creating a financial hardship on me and my family. I had to forgo my son continuing college because I was not able to satisfy his tuition payment because of this issue. I have spoken to the Ombudsman department with SPS and I received no assistance with them other than apologies and call back next week. I have been forced to request to close my escrow because of this egregious issue and am also reaching out to my congressman pertaining to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In approximately XX/XX/XXXX/XX/XX/XXXX a fraud alert was placed by MasterCard Because my credit card had been compromised. The card was temporarily closed and they issued a new one, which I received a week later.In the meantime I had to use my other credit card : XXXX, which I rarely, if ever, use. A few weeks later I received the bill to pay XXXX. Not being used to receive bills from XXXX, when I saw the envelope I thought it was advertisement so I threw it away as junk mail with the other junk mail. The bill was for approximately {$480.00}. After XXXX called me twice and made me aware of the lack of payment, immediately I wrote a check and sent it to them. I thought that was the end of it until my credit scores were affected significantly.I called XXXX, TRANSUNION, XXXX, XXXX and submitted disputes to no avail.TRANSUNION, especially, lowered my credit score significantly, About 100 points.. 
For many many years my scores have been nearly perfect ( In the 800s ; at one point it was close to the maximum score attainable ). My payments are always on time, except for this is with XXXX bill.The Credit companies have not considered my prior, nearly perfect credit scores, as a factor In my favor, so they lowered my score significantly ( from approximately 825 to XXXX- TRANSUNION ) ; the other Credit companies have similarly lowered my credit score but not as much as TRANSUNION . I request your help with this situation. Thank you XXXX XXXX, XXXX  XXXX XXXX
Product: Debt collection

Capital One Bank opened two Secured Cards on my name within 2 weeks of each other and closed them immediately a month later without any authorization from me for those accounts to be opened, closed, I have not given them any information such as Social Security, Date of Birth, etc then I found my Personal Credentials exposed onto the Dark Web 26 times from the spring of XXXX, and I found also a XXXX XXXX XXXX XXXX XXXX, which is impossible for the simple reason that in XXXX I was homeless and theyre claiming an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where they supposedly had sent a Credit Card which I never received, and the same with Capital One, One card opened in XX/XX/XXXX and closed 2 weeks later and a XXXX. XXXX opened in XXXX and Closed in XX/XX/XXXX! I have called them over 50 times and they keep transferring you from Department to Department and then after 2 hours of waiting, the call is being dropped and they hang up..!! The times I was connected, I explain that I did not apply for any of their products, contacted all 3 Bureaus and by every single Bureau agent being mean to me and talking to me not as being a victim, but rather accusation being thrown in my face and threats of me being sued after I uploaded screenshots of my exposed INFORMATION on the Dark Web and addresses where Ive never lived before, phone numbers too! XXXX had a company breach a year ago and I received a warning email from them about the breach and report it. I checked via special App and after a deep scan, There were 26 exposed Personal information items onto the Dark Web. Capital One and XXXX XXXX are the two main fraudulent transactions being affecting my Credit after I improved my Credit from XXXX XXXX XXXX in 7 months from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and in one single month, my Credit Score dropped down XXXX XXXX which is unheard of because I keep close eye on my Credit every single day, I do have XXXX XXXX which is also a complete joke, since they do not have the correct INFO from the Bureaus to report to me a false scores and unidentified account not approved by me.! These 3 account must be removed and deleted from my Credit file immediately and I need a copy of my complaint and I have already filed with FTC and downloaded the 26 Dark Web pages one by one. All of that is a ironclad proof that someone has gained access to my information and has been using it to open Credit Cards, loans, etc
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, multiple complaints were submitted to the CFPB notifying them that Clarity Services is willfully refusing to comply with Title 15 U.S.C. Section 1681g ( a ) in that Clarity refuses to disclose the source of information found upon my consumer report. Clarity has removed the information from my consumer report since the XX/XX/XXXX complaint ; however, has not identified the source ( XXXX ) of the information identified by this consumer. After that XX/XX/XXXX complaint, a person identifying himself as a compliance XXXX with Clarity instructed this consumer to submit a written request, with authenticating documentation, to the XXXX XXXX XXXX for Clarity. This consumer did so, on multiple occasions. Clarity maintains its refusal to comply with the FCRA by refusing to disclose this information. This consumer has identified the following information and requested identification of the source ( XXXX ) of this information : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX and the phone number XXXX. This consumer has incurred direct out-of-pocket losses exceeding {$500.00}, direct loss of wages exceeding {$500.00}, and loss of wage-earning opportunities exceeding {$500.00}. Further, every response by Clarity does not address the subject of these complaints.
Product: Credit reporting or other personal consumer reports

This message is to highlight concerns with my credit report, such as incorrect account records, a collection I do not recognize, unauthorized inquiries, and inaccurate reporting. I am seeking your help to address these issues and protect my financial well-being.