23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied online in XXXX for American Express ' promotional offer for the XXXX XXXX XXXX Credit Card, which included XXXX miles and additional benefits. Despite my strong credit history with AMEX spanning over XXXX years, my application was instantly declined upon submission. Upon contacting AMEX, I was informed that I had exceeded the maximum limit of XXXX credit cards with AMEX and needed to cancel one AMEX credit card for AMEX to reconsider. After canceling an AMEX card as instructed, I contacted AMEX again to notify them and was told my application would be reconsidered. This was all done on the same day of the application. 

However, my application remained in pending status for several days. When I followed up with AMEX, they claimed I had not responded to an email offer. Surprisingly, they cited an email address I had never provided during the application process. Despite acknowledging my calls, AMEX insisted that I had failed to accept the offer and, thus, could not proceed. 

These events raise concerns about data privacy, as AMEX appeared to have sent crucial communication to an unverified email address, impacting my ability to accept the credit card offer. Additionally, requiring customers to accept offers after applying online may seem misleading and could potentially affect credit scores.AMEX 's handling of the situation calls into question the transparency and fairness of their application processes. 

Lastly AMEX failed to notify me in writing as I never received any communication about this application.
Product: Checking or savings account

On XX/XX/30 I went to get a replacement Driver License and dropped my debit card and someone used it for a {$35.00} charge and threw it in the parking lot and another customer returned it to customer service and I disputed the charge with XXXX customer service and they did not honor my dispute. I didnt even use my card to pay for my duplicate license. I used a credit card!
Product: Credit card or prepaid card

I have a Barclay 's XXXX and XXXX Credit Card. Payment is due on the XXXX of the month. I paid the card on XX/XX/XXXX and received confirmation of the payment on the XXXX. Yesterday, I received notice that payment was past due. Rechecked online account access. Payment on XX/XX/XXXX reflected. Today, I received notice that payment was made on XX/XX/XXXX and was late. This is the second time. The first time the company agent said the late fee would be refunded ; it never was.
Product: Credit card or prepaid card

I noticed on a statement for my Barclay 's Old Navy card that there was a charge that I didn't authorize or make. 

On XX/XX/2022 I called Barclay 's Old Navy to report a fraud charge because upon checking my credit report I found a charge on the credit card I did not make. I filed the report and was assured it would be taken care of in a timely manner. 

I continued to received phone calls and emails for me to pay the amount, so I called the fraud department with Barclay 's Old Navy and spoke to XXXX on XX/XX/2022. She assured me it would be taken care of, the late charges removed and it wouldn't be reported on my credit report. 

On XX/XX/2022 upon checking my credit report, it was indeed on there and took my score down significantly. So, I opened a dispute. 

On XX/XX/2022 I received a response from Barclay 's Old Navy stating they believe their information is being reported correctly and they would note my dispute to the credit union. 

I paid the account in full this week because I can't continue to allow my credit to be destroyed. My career depends on my good credit. So, on XX/XX/2022 I paid {$150.00} on a charge that I did not make in order to keep my credit good because Barley 's Old Navy has incorrect records.
Product: Consumer Loan

I received a email from XXXX stating that there was a change to my credit report. That a inquiry had been made for a installment loan ( which turned out to be from cash central ) .On XXXX XXXX, 2017 at XXXX. 
Moments later on XXXX XXXX, 2017 at XXXX I received another email from XXXXXXXXXXXX that I had been approved for a loan of up to XXXX dollars and to click here to verify my identity " which i have not ''. I have since received reminder emails stating the same as above on XXXX XXXX, 2017 at XXXX, XXXX XXXX, 2017 at XXXX, and XXXX XXXX, 2017 at XXXX. Which is unsettling because before I had received a email from them I had never heard of this company nor have I done business with this company. And I am worried as to how this company had come across my personal information. And were able to pull my credit report.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$1700.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} SXXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX  Balance : {$430.00} XXXX  XXXX  XXXX Balance : {$5800.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit investigation highlighting significant issues in several stages of this growing platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking down these transactions was unfeasible. Not only belittling the right of their customers, the CFPBs findings indicate that Zelle has neglected to protect customers & has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

So there is a Discover credit card in collections or as a charge-off on my credit report and it has been there since around the time of my divorce in 2017. My ex-husband ran a few of my credit cards up I paid them all down they were always automatically put into my checking accounts so they I just paid you know monthly whatever got the first bills before my divorce was finalized before he messed with all of my mailings put the credit card numbers into my bank and just was paying all of my bills. I have records of making payments to Discover card and the amounts that is on this bill which is like {$3000.00} I think I paid them a little bit more than that might have been a little bit less but around the same amount that's due and I kept wondering why the it was never going down so I contacted them a couple years ago and I was trying to buy a house so it was probably in XXXX. And they said that I had to send in proof that I had made payments so I went to my bank I had gotten all the information from the bank all the payments that went out to Discover card sent that to them and they told me that those payments went towards another account that it was not my accounts and they could not discuss that information with me. I said well this is the account number that you gave me on a bill before my husband messed with the mail and then all of my mail got redirected and then I never got another correspondence from you I said this is the account I've been paying on so I paid somebody's {$3000.00} bill you didn't notify me you didn't like anything like that so I've paid them the money I've asked them I beg them to take it off of my credit report it is holding me back from being able to purchase a house because they say my debt to income ratio is too high I want it deleted I have proven to them that I made payments through XXXX XXXX XXXX to discover in the amount of the {$3000.00} that is owed to discover I paid them they applied it to somebody else 's credit card and will not discuss that information with me it is a charge off anyhow and it's been on my account for many years I would like it removed I have contacted the governor 's office of New Jersey and he gave me this information and asked me to XXXX a formal complaint through your agency
Product: Checking or savings account

On XXXX I called Upgrade Bank and asked to have my account closed. They customer service lady told me you have XXXX in your account still. I asked ok Just close my account please she said OK within 15 Days your account will be closed providing you spend your XXXX. Ok No problem I said so the account is closed she said just as soon as I read the privacy statement first, I said OK go ahead she read the statement to me. After reading the statement to me I told her I will go to the store and clear out the XXXX and I did within 15 minutes after this call. on XXXX Friday I received an email that said you have rewards XXXX Dollars someone put back into my account after the account was closed on XXXX. So, I made another call telling the customer service rep for Upgrade Bank on XXXX that my account was closed on XXXX she said you have XXXX dollars that we put into your account I said why? The account was already closed on XXXX o I can't close it because now you have XXXX Dollars on the account, I said that's not my problem you people knew that I closed this account on XXXX. I cut the XXXX card up on XXXX I have asked several times to have this account closed next step is my free attorney with a lawsuit against upgrade Bank if this does not get resolved. XXXX XXXX.
Product: Mortgage

Bank of America added a {$5000.00} charge into mortgage balance. On XXXX XXXX, Bank of America employees came and cut down the hedges in front of my home. I never asked Bank of America to come out and cut my hedges which decrease the value of my home. The employees were supposed to look at my property as it going through a modification to avoid foreclosure. The statement is from Bank of America yet when I call them, they tell me '' We use vendors including XXXX XXXX and XXXX, XXXX '' I called both XXXX XXXX and XXXX XXXX and they told me that Bank of America is responsible for my loan. Please help
Product: Debt collection

I am writing to request validation of the debt that you are attempting to collect from me. I have not received a validation letter from you, as required under the Fair Debt Collection Practices Act ( FDCPA ), and therefore, I am uncertain as to whether or not I owe the debt. 

As a consumer, I have the right to request validation of any debt that is being collected from me. I am requesting that you provide me with proof of the debt, including the amount owed and the name of the original creditor. If you are unable to provide proof of the debt, you are required to cease collection efforts. 

I would also like to remind you that, under the FDCPA, debt collectors are prohibited from engaging in any unfair or deceptive practices when attempting to collect a debt. This includes continuing to collect on a debt that has not been validated or pursuing a debt that is not mine. 

I am hoping that we can resolve this matter quickly and amicably. Please provide me with the necessary validation of the debt as soon as possible so that I can address this issue and move forward.
Product: Debt collection

On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX XXXX, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account PROFESSIONAL ACCOUNT MGM via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PROFESSIONAL ACCOUNT MGM ( XXXX XXXX XXXX XXXX, WI XXXX ). 
On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, Georgia, ( XXXX XXXX XXXX, Clerk Superior, State and Juvenile Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX. XXXX XXXX, XXXX, TX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PROFESSIONAL ACCOUNT MGM ( XXXX XXXX XXXX XXXX, WI XXXX ). 

On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing PROFESSIONAL ACCOUNT MGM the following : I do n't know anything about this debt please send to the Original Creditor. 
As Resolution of this complaint, I ask that PROFESSIONAL ACCOUNT MGM stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt recovery solutions refuses to code my debt on my credit report as medical. This is changing the way it effect my credit. I have spoke to them several times and filed a dispute on my credit. No corrective action was taken. I would like to pay the debt. However, I ask that it be properly coded, as medical debt is required to be removed from credit once paid.
Product: Consumer Loan

I returned a lease car to Ally Financial / XXXX dealer on time after 3 years in excellent condition and low mileage. Always on time with payments. I received {$1300.00} bill for excess wear which are completely unfounded and fabricated. They did not give me a chance to fix what-ever they claim and did not inspect the car while we were present. They do not respond to my letter disputing the charges and say " either you pay or else ''. This practice is absolutely unethical and as far as I am concerned a consumer fraud. I also plan to file a claim with the Attorney General Office as well as filing a complaint with the Small Claims court. I would really appreciate it very much for any help or advise in this matter. 
Best Regards, XXXX XXXX. ( XXXX ) XXXX
Product: Credit card or prepaid card

I was provided provisional credits in the amounts of XXXX and XXXX for disputed transactions in said amounts which occurred on XX/XX/31, XXXX XXXX. I have not heard the status of the dispute as of yet, however, in the event the credits are reversed, please advise XXXX I require proof of their investigation and info showing I received anything from the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to Equifax in regards to an alleged XXXX XXXX  asking them to verify an alleged debt, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the e-Oscar system instead, which I did not consent to.
Product: Credit card or prepaid card

The company, Citibank, has already reimbursed the money I felt owed. The purpose of this complaint is to report a practice that should be illegal. 

I have had a Citibank Double Cash card for many years. I am supposed to receive 2 % cash back on purchases. A few months ago, my cash rewards began to appear as " Thank You Points. '' I called Citibank to ask for an explanation. They explained that each point is worth XXXX cent. On several occasions, I have redeemed some of my points toward a statement credit, and they have indeed counted each point as XXXX cent. 

Today, I purchased a {$60.00} gift card on XXXX. I noticed that there was an option to use Citibank Thank You Points. I entered {$60.00} and made the purchase. I soon got an email confirmation from Citibank saying that I had used XXXX Thank You Points. This is equivalent to {$75.00} -- a 25 % markup from the {$60.00} I thought I was paying. 

The fact that Citibank charges a 25 % fee to use Thank You Points is not explained anywhere on their website. ( I could have simply paid with my Double Cash Card and then redeemed the points for a statement credit with no 25 % additional charge. ) I called Citibank and asked where the 25 % additional charge appears on their website. The agent put me on hold for a long time and came back and explained that this information is NOT on their website. She said it was in the terms and conditions I received when I received my Double Cash card. However, I received my Double Cash card many years ago when there were no Thank You Points. 

This seems to me to be an unethical trick that ought to be illegal. It should have been clearly explained that using Thank You Points for purchases incurs a 25 % fee. Surely no one would use Thank You points for purchases if they knew about the additional 25 % charge, since they could simply redeem their points for a statement credit.
Product: Checking or savings account

I attempted to dispute XXXX XXXX deposits made via XXXX XXXX because my account was unjustifiably shut down, preventing me from cashing out. Wells Fargo informed me they could not dispute the charges as they were made through XXXX XXXX. This is incorrect since they still retain dispute rights, suggesting a lack of willingness to investigate further. They then proceeded to close my bank account.
Product: Credit reporting or other personal consumer reports

someone has my social security number and using it to open credit cards and internet account with my information. there are also fraudulant address reporting on my credit reports which do not belong to me and are fruad i have called experian and they told me that they can not remove the fruadulant address because they are tied in to the fruadulant accounts that are reporting on my XXXX report
Product: Debt collection

I have been getting repeated phone calls and voicemails regarding a collection for unpaid debt to XXXX XXXX for my credit card. This is from Portfolio Recovery Agency. However when I spoke to them finally, it was said to be a mistake and I dont owe the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have been a victim of the Transunion " hard inquiry issue ''. There are several hard inquiries on my account that had been deleted, but then reappeared, and I was never notified that a ) they had been deleted, or b ) they were being reinstated on my report. 

The inquiries on my report that had been deleted are as follows. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

SunTrust Bank  charged my account for an over draft coverage when no over draft exists on the account. I filed a complaint here with CFPB and since then the bank has refunded the amount of the charge error, however now I noticed that during the last week of  XXXX    XXXX   they charged the savings account a {$7.00} maintenance fee and a fee {$3.00} for checking the balance at the banks  own drive  through ATM. I have a  " Maintenance Free ' ' savings account and have had for over 10 years. In fact part of the conditions for my  Maintenance Free accou nt is that I allow the bank to transfer {$5.00} dollars from my checking account to my savings account on or about the  XXXX  of each month. Which they did. I have never paid any maintenance fees on the account and want my money refunded.
Product: Credit reporting

I faxed over paperwork proving that XXXX XXXX received and accepted a full settlement for less than balanced owed with the XXXX 
Equifax refuses to accept the document as factual with the supervisor telling me that the have no real proof of the authenticity of the faxed document. Even though there is a phone number on the letter that they can call to get verification. They have contacted XXXX XXXX who keeps reporting that there information is correct which is totally different than the documentation I have regarding this matter. 
Also, I have a public record form XXXX XXXX regarding this same account. The courts updated my judgment as " satisfied public record '' with the same exact letter from XXXX XXXX XXXX XXXX. 
Both XXXX and XXXX deleted my public record from my file but Equifax will not. They keep asking for a withdrawn form from the court stating that the file has been withdrawn or to have the court house tell them I no longer have this record. I called the court house three separate times and each time, different office clerks have informed me that they do not issue any other forms as proof of a withdrawn record except for the same information I already have. Also, the court clerk said they have nothing to do with the credit bureaus. Than the Equifax supervisor told me they ca n't remove the public record due to some Federal law but, when I told them that XXXX and XXXX both removed the record on the strength of judgment letter that they looked up in the court database. The Equifax supervisor changed her story and said that all XXXX agencies do things differently and they do n't look up court records in the database. I told her the court office told me there are no other forms they can give me. So, the Equifax supervisor told me there is nothing she can do. The Equifax organization is under trained and lazy. they refuse to put in the necessary work needed on the expressed interest or fairness due me, the consumer. it 's awful that they have so much influence but are not held accountable for their poor performance and lack of knowledge. Saying they do thing differently and dismissing my paperwork as fraudulent without putting in the work is an outrage and definitely not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent  XXXX  written request to Experian requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did n ot verify. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can n ot be verified. I am requesting deletion of all disputed accounts which they did not verify.