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

I applied for a balance transfer of {$4500.00} from American Express credit card to my XXXX credit card on XX/XX/XXXX. I did it over American Express 's balance transfer website. However, after 1 month, even though my American Express card showed it was completed and added that amount of money to my current balance, my XXXX credit card still had not received that transfer. Then I called the customer service of American Express and they found that their online system incorrectly recognized my XXXX credit card as a XXXX credit card ( I don't have any account with XXXX XXXX!!! ). They said it is their fault and they will take care of it by retrieving the money back from XXXX XXXX and canceling this balance transfer. However, I have been waiting for another month now and they still have not been able to get this fixed. I have been calling them every week and they always said there is nothing they can do -- I should wait and call them back in a few more days. Because of their fault, I was paying interest charges from XXXX and also paying the balance transfer processing fee from American Express. Another critical issue brought by this is that I am currently applying for mortgage to buy a property, and a credit card with nearly full balance for nearly two months would not help with my application at all! Please help. I just can not deal with American Express any longer. Every time when I called them, they just tell me that I have to wait without providing any detail regarding if and when this would be resolved. Another month or even longer? Please help. Thanks so much!
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report with the intentions of trying to improve my credit and take care of my applications and noticed if you accounts that I want it explanations for. Im not saying they reporting right or wrong. Im just saying that I am sure they are reporting wrong. I also read something called the fair credit reporting act which is sad by law I have the right to challenge anything I am not sure is accurate. And once I started to contact the reporting agencies to dispute some of the things that were on my credit report it seem as if they updated their information with my information that I was giving them. 

I also thought that all three of the credit beaur were supposed to be report the accurate/same information. My reports are not showing the same information In accordance with the fair credit reporting act XXXX  account XXXX for TransUion, XXXX, and 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 an account without my written instructions.

15 U.S.C 1681i ( a ) it states if you can not provide proof accounts must be deleted.

15 U.S.C 1681s-2 ( F ) ( ii ) it states that if the credit obligation or account was delinquent before the pandemic ( aa ) the account must maintain the delinquent status doing the period in which the pandemic is in effect.

( iii ) it states that no changes should be made to a charged off account.

I would appreciate it if these accounts accounts are deleted if they are not 100 % right and accurate/correct. Could you please check on these accounts and get back with me? I also saw on the credit site in Board where you have 30 days to complete the investigation please investigate the following accounts and remove them if anything is missing or not correct on them.

Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reached out to XXXX, Experian, and XXXX about XXXX account # XXXX to request for them the verify the accuracy of the account. XXXX, Experian, and XXXX updated me that the account is being reported with accuracy. 
I then viewed an updated report and the account is still reporting inaccurate. 
I see inaccuracies with the date opened, high credit, last reported, last payment, and last Active. 
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Organ Case # XXXX Please view the original case # listed above. This investigation has taken well over thirty days with Equifax and Equifax has requested more time to work on this. However, Equifax has not followed up with me not has Equifax removed the inaccurate account with XXXX XXXX and the unauthorized inquires on my account. I have sent in to Equifax a copy of my ID theft report as well as a copy of the Police report. 

I have stated over and over that the XXXX XXXX trade line that is showing up on my account is not mine and the result of ID theft. THE ARE SEVERAL LISTED INQUIRIES on my Equifax report that I did not authorize and I am requesting deletion. 

Please do not continue to stall and neglect my requests. This has been a terrible process getting this taken care of.
Product: Credit card or prepaid card

I believe the whole root of this situation goes back to a vacation contract ( time share ) we had with XXXX XXXX XXXX in XXXX, MO, which as of XXXX we no longer have a financial obligation with them or BOA.On signing the contract with XXXX XXXX the monthly payment was to be {$210.00} per month, with no mention of Bank of America ( BOA ) .In the mean time my wife and myself received credit cards from BOA, of which neither was applied for or authorized.We made payments on these cards since XX/XX/XXXX, with the understanding these payments were going to XXXX XXXX.But since our contract has been deeded back to XXXX XXXX we no longer have a financial obligation to them or BOA.I 'm certainly not going to pay for something I don't own and can't take advantage of.
Product: Debt collection

I am not liable for this debt with XXXX XXXXXXXX XXXX XXXXXXXX XXXX and I do not have a contract with CMRE. XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$100.00}
Product: Checking or savings account

On XX/XX/2022, my husband and I contacted Chase ( we spoke to XXXX  ) to let them know fraudulent charges were made on our savings account ( {$7800.00} in total out of 26 different charges that were reflected as ATM charges, plus three {$5.00} overage fees ) as well as one ATM charge out of our checking account in the amount of {$200.00}. These charges were made from Thursday, XX/XX/2022 to Tuesday, XX/XX/2022. We were told that Chase would investigate and respond back to us in 3-5 business days. 

On XX/XX/2022, we received an electronic letter from Chase saying that our claim was denied. We called Chase back on this day to get more information ( we spoke to XXXX  ) and were told to fax in documentation that would support our claim that fraudulent charges were made on our account ( please see file entitled " Chase Claim '' ). We were told that the back office would look at the documentation and would then contact us within 3-5 business days. 

On XX/XX/2022, I called to get an update and spoke with XXXX. She told me that Chase has received our supporting documents, but was still doing research and had not made a decision. 

On XX/XX/2022, my husband and I called Chase again and spoke to XXXX, who said that Chase was still completing their investigation. He affirmed that the back office did receive our supporting documentation on XX/XX/2022. 

On XX/XX/XXXX, my husband and I called Chase again and spoke to XXXX, who then transferred us to someone whose name we did not get. This Chase representative told us that the claim had been denied as of XX/XX/XXXX. We told him that we did not understand as we had sent in additional supporting documentation, so he reached out to a supervisor to read over our claim. He reported back that Chase had concluded that my husband had actually used his XXXX XXXX to make the withdrawals. We told him that that could not be the case as he had never even added our debit card to his XXXX XXXX. The representative told us to fax in additional documentation which showed my husband 's XXXX XXXX ( see file " XXXX XXXX fax letter '' ). This was the first time we heard any sort of explanation from Chase and have never been contacted by them to get additional information. 

We still have not heard anything back as of today, XX/XX/2022.
Product: Student loan

Hello, I am currently being garnished by XXXX and XXXX a law firm in XXXX, XXXX XXXX. The debt they are claiming that I owe is almost 70,000 to XXXX XXXX XXXX, however I received a debt forgiveness from Chase bank who was the original creditor in 2014. I've sent over my corresponding documents several times to both the marshal 's office as well as the law firm, they never get back to me or give me a straight answer. I live alone and desperately need some direction as to how to make this stop.
Product: Credit reporting or other personal consumer reports

I HAVE REPORTED DEBT REPORTING NUMEROUS TIMES..COMPANY HAS CHANGED ITS NAME, EXPERIAN HAS FAILED TO SEND ORIGINAL APPLICATION OF DEBT, THEY KEEP CHANGING OPEN DATES, DEBT IS BEING BOUGHT BY OTHER AGENCIES. 

NATIONAL CREDIT ADJUSTERS, L.L.C Account number XXXX .... 
Recent balance {$830.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$830.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX MAB Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$830.00} High balance Not reported Monthly payment Not reported Date of status XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
Comment history
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : KIKOFF LEND XXXX XX/XX/2022
Product: Bank account or service

In XXXX 2015 my wife was in an a single care auto accident which cause over {$40000.00} in medical bills. USAA has failed to provide insurance as prescribed and pay for over 15 years. Their failure has negatively affected my wifes credit. Preventing us to move forward to purchase a home. We 've asked USAA to refinance a car loan to lower the rate an increase her debt to income. Even though the mistake is theirs they told us we had to wait 90 days. I 've asked repeatedly through various departments and reps for an explanation letter and have been refused. Also, USAA has doubled our insurance premium without explanation and without paying off my wifes medical bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter to remove the listed account that is 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/block any account not later than XXXX business days. 
XXXX XXXX XXXX : {$2100.00}
Product: Debt collection

On Monday, XX/XX/2018 a XXXX XXXX XXXX, call my cell phone as ask for my name and date of birth. I did confirm that i was the XXXX XXXX and knew about this debt. Did try to make arrangements with the XXXX about this issue but the officer notify me that he wasn't from XXXX XXXXXXXX XXXX and they are going to collect this debt and accuse me of opening this account in the false pretenses. Even threat me, that they were going prosecute me and take everything i owned. I at this point told him i am not going to respond to threats and please get off the phone which then told me all the personal stuff including verbally attacking me say if " if you can afford your car payment you will afford payment i offer you. So start paying up now. Which at that point i hung up to phone which he called again.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 Credit Bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

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

RESISTANCE WITH GETTING INFO REMOVED/UPDATED Transunion credit report My Name : XXXX XXXX ( ONLY ) NOT XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( ONLY ) 12 addresses listed Phone # : XXXX ( ONLY ) 11 # s LISTED 2 SOL/DEBT BARRED DEBTS LISTED : XXXX XXXX XXXX XXXX BE REMOVED XXXXXXXX  XXXX XXXX {$690.00}. TO BE REMOVED XXXXXXXX  AND ANY INQ DATED XXXX... 


THANK YOU IN ADVANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Initiated two transfers to bank account on XX/XX/19. Company requested identification on XX/XX/19, and it was provided on XX/XX/19. On XX/XX/19, company said account was closed and did not identify how the transfers of XX/XX/19 would be sent, even after verifying my identity.
Product: Credit card

I have emailed Tally several times ask for an itemized list of all of my payments and interest combined. They have yet to provide and accurate breakdown. They only communicate via email and although you request a call back they never call. 

They have failed to provide me a signed contract. The contract provided only shows date no initials or signature. They also paid a credit card that was closed and charged me {$3000.00} without my permission and now I can not get my money back from the company.
Product: Mortgage

On XXXX  Flagstar received a mortgage payment and they confirmed the payment would be posted on XXXX. No other notification was received. I called Flagstar and they stated the payment was cancelled and I was to contact XXXX which is now servicing my loan. I was told I would not receive any late payments, but I asked how would I be credited for my lost interest. They was no resolution. 

I called XXXX XXXX on XX/XX/2024. This company has absolutely no live agents to speak to. I was on an endless circle on their AI phone system. I went online, set up the account and paid the mortgage. I finally was able to connect with a live person on Chat but they were oversees. All they could tell me was there no late fee and they my loan was not " live '' on their system until XXXX. I asked for a supervisor to speak to but I was given the same information on chat. 

Flagstar stated they were done with servicing my loan on followup.
Product: Credit reporting, credit repair services, or other personal consumer reports

After an email and text message from Experian notified me of a change to my credit score ( XX/XX/21 ), I reviewed it on their app. My score was lowered 38 points for reasons no one at Experian could explain. Nothing in my credit history has changed. After being transferred from one department to another ad nauseam, I initiated a complaint. There have been no updates, notifications or even acknowledgement of receipt of the complaint since the XX/XX/XXXX filing date. I checked the Experian App recently and discovered my credit score for XXXX had been lowered 21 points. Instead of wasting my time dealing with Experian again, I called XXXX directly and was informed that my score had not been lowered by them. Also that Experian uses a different formula or algorithm to determine credit scores. So there is one score listed for XXXX on the Experian site and another one that is higher on the XXXX site. To me, thats unbelievable. Especially since Experian had no explanation for the drop in my score and after sending me around in circles to get an explanation actually suggested I enlist the services of a credit counseling agency that could explain why the score they reported was reduced 38 points. So, I need to pay an outside agency to explain why Experian took this action! Preposterous to say the least. Do you oversee such shenanigans? 
Another issue Im raising is the fact, Experian bombards me with credit card offers presumably to increase my available credit limit. This seems like a conflict of interest to me. 
Its unfortunate I have to enlist your assistance to deal with an issue Experian originated but can not or will not explain. It smells of a certain arrogance by Experian since they are regarded as a leader in the industry. I sincerely believe this would be totally unacceptable from some other credit reporting agency not fortunate enough to share the status of Experian. 
Thank you for your time. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my report I noticed a credit card by the name of XXXX XXXX  with an open balance of $ XXXX reached out to the company and spoke to a rep.I stated to the rep about my finding of this unauthorized and fraudulent account. The rep stated to me the company can not do anything until a report has been submitted. The account below is the fraudulent account also an FTC report has been attached to this complaint. 

XXXX XXXX  XXXX account number XXXX
Product: Credit reporting

Experian has an incorrect name and incorrect addresses listed on my credit report and thy need to update my current address.
Product: Payday loan, title loan, or personal loan

On XXXX I sent an application for credit to US Bank Registered mail # XXXX. US Bank had 20 days to accept or reject the application ; 10 days fir shipping, 10 days to decided, and additional time was available upon written request. 

There were clear and conspicuous instructions that they were to return my instruments to me within 20 days if they refuse the contract. 

The application was received by US Bank on XXXX. US Bank sent a correspondence on XXXX that was received by me on XXXX. US Bank declined my request for credit but failed to return to me anything of value in place of the instruments that were provided to them. 

US Bank is in Dishonor and has failed to perform on our agreement by refusing to provide me consideration for the value that they received. US Bank is currently holding stolen goods.
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX 2016. Upon signing up, I was told there would be guaranteed internship and job placement after graduating. School was coming to an end and I had no internship. I was told that I was " on my own and had 1 week after school ended to find one ''. After my XXXX was completed and official graduation date has come, my student loans kicked in and my monthly income came no where near what was expected once I attended the school and struggled to pay loans, rent, and basic day to day essentials. I was forced to have my loans go into collections and was told " I should have gotten a better job and thought about my career before I went to school '' by a XXXX XXXX customer service representative. Fast forward 3 years, XXXX XXXX XXXX XXXX closed their doors under the law Obama had passed where if a students loan payments exceeded their monthly income, they had to close. Which was 100 % the case for myself and almost everyone I knew from the school. I still struggle with paying my loans and working with a representative to have my payments lower to no avail. There has been 2 class action suit won over the same issue in 2 other states. XXXX XXXX XXXX XXXX should be the next class action suit won! Since the school had closed, I 'm unable to log into my school email account to retrieve my school files or else I would be able to provide you with more detailed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1100.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$17000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$44000.00} XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of XXXX XXXX I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, 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