23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year>XXXX  I sent {$700.00} to a friend on XXXX  and they banned both of us for having old accounts from when we were younger, now they are holding this money, not allowing him to withdraw it, not allowing me to get it back, and not allowing either of us to reinstate our accounts. We are not the only people this has happened to and this is thievery I recommend no one uses XXXX  or paypal as they do this to people all the time.
Product: Credit card

I am writing to file a formal complaint against American Express regarding the non-receipt of bonus points promised for adding authorized user cards and meeting the required spending threshold. 

On XX/XX/year>, I received XXXX XXXX XXXX points for XXXX authorized user card after meeting the required spending threshold. Subsequently, I added XXXX additional authorized user cards under the same promotion and met the spending thresholds for each card. According to the terms of the promotion, I should have received a total of XXXX points ( XXXX points for each of the XXXX cards ). However, to date, I have only received XXXX points, leaving a balance of XXXX points that have not been credited to my account. 

I contacted American Express customer service via their chat platform twice to inquire about the missing points. Below is XXXX of the transcript of my conversation with their representative : Chat Transcript : Me : I got XXXX [ authorized user card ] on XX/XX/XXXX for XXXX points and hit the spend on XXXX others with a new promotion this year that have not been rewarded. 

American Express Representative : I can see that for XXXX additional cards, the spending has not updated yet. The new or unbilled charges are updated after the statement is closed. So, if the spending is met, please don't worry. You'll surely see the points. Also, I'll once check the timeframe for the points. It is mentioned in the terms of the offer that " The XXXX Membership Rewards points will be applied to the Basic Card Member 's Account within XXXX weeks after the Threshold Amount is met by an Employee Card Member added through the promotional offer page. '' Me : But the statement has closed and I am on the new month so it should have hit by now. When will they be rewarded? 

American Express Representative : So, you'll surely see the points soon on your account. 

Me : I am confused that it was added to XXXX already but I have to wait on the other XXXX? 

American Express Representative : I do understand that. However, it must be possible that the spending for that card was met before the spending on the others. But, please be assured, the points will reflect on your account. 

Despite this assurance, the additional XXXX points have not been credited to my account. I have met all the promotional requirements and am entitled to these points. The delay in crediting these points is causing significant frustration and inconvenience. 

I request your assistance in resolving this matter promptly. American Express owes me XXXX Membership Rewards points as per the promotional terms. Your intervention in this matter would be greatly appreciated. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX are all reporting the following incorrect data on my credit report. 
Please apply these laws to my accounts : the Fair Debt Collection Practices Act Law 111-203, Title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Closed/Collection/Charge-Off ADDRESS : XXXX XXXX XXXX, XXXX, PA XXXX REASON : Not my Account. Please remove it from my credit report ACCOUNT NAME : XXXX ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Closed/Late Payments ADDRESS : XXXX XXXX XXXX, XXXX, PA XXXX XXXX : Not my account Please remove it from my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX TYPE OF ACCOUNT : Revolving/Open/Late Payments ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX This account belongs to me. I never made late payments on this account. However, payments are showing up on my credit report as delinquent. Please change all late payments to on-time payments. 

ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Installment/Late Payments ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX XXXX : This account belongs to me. I never made late payments on this account. However, payments are showing up on my credit report as delinquent. Please change all late payments to on-time payments.
Product: Credit reporting or other personal consumer reports

A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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
Product: Vehicle loan or lease

On XX/XX/2020 i signed for a contract that was not a Truth in Lending contract. On XX/XX/2020 another contract was created without my consent and their was a electronic signature that I was never aware of. Also it doesnt disclose a proper finance charge, and the monthly terms that I was told to pay does not make sense. They spelled my name incorrectly, and next to the contract number where it says salesman, the information on was whited out. It says the loan amount is {$18000.00} and the monthly payment from the bank app says {$650.00} for 48 months so in total that would be {$31000.00}. I want to know where is the extra {$12000.00} coming from. I feel violated, their is fraud in this transaction. Also on the bottom of the photo which i attached i see XXXX XXXX name on there. I want to know what that is about.
Product: Credit card or prepaid card

My Barclaycard with XXXX Rewards account was compromised, and approximately $ 2,000-3,000 in  unauthorized transactions were made on my account. I notified the company promptly, and received a letter from Barclays Bank Delaware confirming these unauthorized charges were confirmed as fraud and would be removed ( included with complaint. ) However, approximately a month after this letter I received a call from a woman claiming to represent the " fraud investigations department '' saying these charges would be reapplied to my account and they would not accept my fraud claim. The next day these charges were added again to my balance. I have filed a police report and FTC identity theft report and provided this information to Barclays but these charges have not been removed. 

Federal law limits consumers ' liability for credit card fraud to {$50.00}, yet Barclays has disregarded this and illegally shifted liability to the consumer in excess of this mandated maximum amount. Consumer protection and documentation is needed to ensure the scale of these actions is notated so the CFPB can investigate and take action if this practice continues.
Product: Student loan

This complaint is in regards to my daughter 's dealings with XXXX  ( formerly Sallie Mae ). She completed her XXXX XXXX XXXX in XXXX of 2019. Starting in XXXX of 2019 XXXX  was demanding that she pay $ XXXX/month for her loans. There is no way she could pay that amount. Numerous phone calls were made to try to arrange a different payment option. At one point they told her that she needed to let the loan become delinquent and then they could offer her other repayment options. When she did that and called them she was told they couldn't help her until it was brought current, after which she was again told there was nothing that could be done to change the repayment amount. We called XXXX XXXX XXXX  and they were willing to refinance but my daughter would need to show that she could make the payment herself without a cosigner before we could cosign for her. Now this has fallen onto my Father in law to repay since he co-signed. He is now retired and its draining his retirement funds.
Product: Checking or savings account

I have reached out to Albert banking institution first attempting to remove my XXXX  account that was linked to this savings account. With the abysmal customer ( lack of ) support I received it escalated to mt request to withdrawal my savings and close my account. I have spent 44 days attempting to do so. The customer service agents just keep giving me the run around - only stating the same response over and over again and thank you for your patience. They have almost {$3000.00}. They say my check is in the mail but has not way to track, however when I reach out they say they see the check is en route so give it more time. When I question how they can see that is the status when I was told there was no way to track they do not respond. The only way to speak to someone is via text message. They say they do not have a phone number to call for assistance. I was clear from the start I needed the money to pay a bill due XX/XX/XXXX. It should not take 44 days to withdraw money from your savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls/Capital One is reporting erroneous lates on my credit file. These lates are for the months of XX/XX/21, XX/XX/21, XX/XX/21. These lates were a results of a {$1.00} PAST DUE BALANCE. I was never contacted about this DOLLAR. I'm genuinely blow away at the fact that this account was marked delinquent and CLOSED because i was past due XXXX dollar ... If i was made aware of this delinquency i would have paid it! It has ruined my credit file and cost me to loose financing. I am very upset with the fact that i was never contacted about this delinquency, i was not aware of this until i pulled my credit and saw the lates.
Product: Credit reporting or other personal consumer reports

Within seconds of each other experian notified me yet again another dispute is ready to view which is again a LIE AND THEY HUNG UP AGAIN FOR THE 2ND TIME THIS MORNING
Product: Mortgage

My mortgage refinancing company XXXX XXXX XXXX has requested an original Stock & Lease certificate from my existing mortgage owner " XXXX XXXX '' ( this is the bank name ). The request was made on XXXX, and the bank has still not provided over 45 days later. Meanwhile, it 's costing me hundreds of dollars to extend the interest rates I was approved for on the refinance. When I reached out to customer support, they told me to resubmit my request and wait 3 weeks.
Product: Credit reporting or other personal consumer reports

According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report. Thank You XXXXXXXX XXXX THESE ARE AFFECTING ME GETTING MY HOME APPROVED. IF I MISS MY OPPORTUNITY TO CHANGE ME AND MY FAMILY 'S LIVES I AM GON NA FILE A LITIGATION LAWSUIT WHICH WILL COST MAJORLY FOR THE VIOLATIONS OF THESE ACCOUNTS CAUSED BY AGGRAVETED ID THEFT 18USC1028A 15USC1681B NO PERMISSIBLE PURPOSE 5USC552A PRIVACY LAW FCRA VIOLATIONS FOR UPDATING THE ACCOUNT AS VERIFIED WITH NO PROOF OF WET INK VALIDATION AFTER A FTC REPORT WAS SUBMITTED ALONG WITH ID VERIFICATION.
Product: Debt collection

I am not liable for this debt of {$300.00} with LVNV Funding. The LVNV Account number is unknown. **** I do not have a contract with LVNV Funding. They did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Mortgage

My loan is with Colorado Housing and Financial Authority. I was approved for a loan modification XX/XX/XXXX and although I had late payment my loan was brought current XX/XX/XXXX. I made my XX/XX/XXXX on time. I filed Chapter XXXX bankruptcy XX/XX/XXXX and although it is my understanding my attorney did not file a reaffirmation, the modification was completed after the discharge of the bankruptcy. I have continued to make payment on my XXXX mortgage, however, despite repeated attempts to get an accounting of my payments I am told due to my bankruptcy they can not send any documentation. 
I received a Notice of Breach on XX/XX/XXXX even though the post mark was 10 days later. I paid the amount of the breach before the deadline and also made my XX/XX/XXXX payment before the delinquent date, as well as applying " unapplied balance to my escrow account. 

My escrow account : I changed my homeowner 's insurance XX/XX/XXXX to save approximately {$700.00} per year. I requested my insurance agent send the invoice to CHAFA to pay. CHAFA paid ( overpaid ) the old insurance company for which it took me almost 7 weeks to locate ( I had been with them since I purchased my home in XXXX. I advised CHAFA of the change and was told I would be responsible to pay the new insurer ( Farmer 's ) and have to obtain a refund from the old insurance company. I received a notice from XXXX which was not the agreed upon cost of the policy and XXXX adjusted my account and I paid the premium to XXXX. In the meantime, CHAFA paid XXXX, again, for the inflated premium and NOT the correct amount. 
CHAFA refused to provide me any documentation as to the status of my loan and today I received a letter that they are continuing with acceleration and foreclosure despite my loan is current, as is my XXXX loan. The letter dated XX/XX/XXXX ( the day I made my XX/XX/XXXX payment ) is postmarked XX/XX/XXXX which is the usual mailing delay with any communication I receive. When contacting CHAFA I am transferred all around from customer service, to collections, to the bankruptcy department and all say the other is responsible for lifting the block for online access or correspondence. In fact, when I call and am given instructions regarding payment, when I actually call back to complete the directions ... they have changed ... In fact, my payment amount has increased 4 times in the past 4 months and I have yet to receive any documentation explaining WHY ... WHEN ... HOW LONG?? So I am making payments NOT the {$1700.00} in the loan modification from XX/XX/XXXX BUT {$2000.00}??!!
Product: Debt collection

Debt was purchased for profit and is not valid or verfified, company is also in voliation of FDCPA, FCRS and CONSUMER LAWS.
Product: Checking or savings account

Hello, on XX/XX/year>, I deposited a $ XXXX check from the IRS to my business checking account. The check was a refund from the IRS and the funds were validated. 

Once I deposited it, BOA locked my account. They would not let me access any of my funds. They said they had to investigate the check and verify the funds. 

The process took over a year. The funds remained in the account because the check cleared. 

BOA then proceeded to close my account and instead of sending me the funds that were in my account, they told me they sent the funds back to the IRS ( which to me didn't make sense ). When I called the IRS they say they have no record of the payment. I called BOA back and once again, was told that it make take several weeks for the IRS to receive the funds but they will eventually receive it. 

I waited another year and the IRS has still no record of the check. My account with the IRS is in good standing, I owe no money. All the funds were verified and yet BOA still kept me from my money for almost two years.

Please, help me! Tell them to stop lying and treating people like criminals when they haven't done anything wrong.

When my account was closed, it was completely drained and I have no idea where that money is.

The IRS has no reason to lie to me and the only liar here is BOA. Please have them rectify this. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to the credit bureaus repeated failure to resolve inaccuracies on my credit report, despite multiple disputes filed between XXXX and the present. I have formally disputed at least four times, requesting that the credit bureau provide proper verification of certain items. However, these debts consistently come back as validated or verified without any supporting documentation, which directly contradicts Fair Credit Reporting Act ( FCRA ) requirements. These unresolved inaccuracies continue to harm my creditworthiness and financial stability. 

Details of the Complaint XXXX. Throughout each dispute, I have requested that the credit bureau provide clear documentation or proof of verification for the listed debts. Instead, the credit bureau has responded with a generic statement of validation, without indicating any meaningful attempt to contact the original creditors or reliable sources as required under the FCRA. This lack of documentation suggests either a failure or misrepresentation in contacting the data furnishers, and it demonstrates a failure to conduct a reasonable investigation. The bureaus response does not meet the standard of a thorough or fair inquiry into the accuracy of the reported information, as mandated by law 2. Incorrect Bankruptcy Reporting Of particular concern are two inaccurately listed bankruptcy entries, supposedly filed in XX/XX/XXXX and XX/XX/XXXX. I have submitted documentation proving that neither the XXXX XXXX XXXX nor XXXX any other known entity authorized to provide such informationverified these bankruptcies. Because these entities either do not report such information directly to credit bureaus or have denied the existence of these records, there is no possible way the credit bureau could have legally or accurately verified these entries. Without a valid, authorized source to substantiate them, the continued reporting of these bankruptcies as verified not only misrepresents the facts but also constitutes a failure to conduct a reasonable investigation, as mandated by the Fair Credit Reporting Act ( FCRA ). This baseless reporting has caused significant, ongoing harm to my credit profile, jeopardizing my financial standing and access to credit. I urge the CFPB to investigate this issue seriously, as the credit bureaus actions reflect a disregard for both accuracy and legal standards in credit reporting. 

Other Disputed Accounts The following items remain unresolved despite multiple disputes and the lack of proper verification : XXXX XXXX XXXX : Incorrectly reported as an account with XXXX allegedly opened in XX/XX/XXXX. No documentation has been provided to validate this entry. 

XXXX XXXX : Beyond the statute of limitations for reporting, as noted in previous disputes, but still listed inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax Executive : With all do respect, I tried to use your website in its online dispute section but it appeared clearly you restricted my access to it, because I tried every day or days to use it and there is no valid reason to deny my right to use that public service offered to others ( I put exactly my basic information, address, ssn, dob, email and phone ), the other alternative is every time I call your Equifax representatives either need more training or they alter and manipulate my dispute argument of the only negative item on my Equifax credit report ( collection ) ( I never been late on any payment for any business I deal or dealt with and thats including XXXX And I challenge XXXX and Equifax to prove I canceled the auto payment to that referenced XXXX account on the above collection ( please find name of collection and other details in some of the files attached ). 

Also if XXXX was convinced I was right when my ligitimate Request from XXXX to prove I canceled the auto payment to the account referenced in that above collection, made XXXX face the truth its unexplained targeting of my person despite I didnt cancel auto payment they have from my XXXX XXXX credit card ( ending In XXXX as you can see in some of the attached file ) information for the auto payement to that account in the collection. That credit card still open never changed its number and always has couple thousands available. 

The issue with Equifax is to address This unexplained wrongful investigation of my dispute that causes continues adverse action against my person and that is for no benefit to anyone. I am suffering from your Equifax dispute intake staff. So far two requested same dispute to why you should delete that collection like XXXX did and as you can see in attached files.

Please stop my struggle for keeping my clean financial records as always it has been. Im I asking Equifax too much?

the calls to equifax were recorded and I have a privileged recording of it too as Equifax has and it should listen to it when I called Equifax and itS intake Representatives each time struggling to type my very important dispute argument or pretending they cant hear or other unethical manners. They keep stating things I didnt say and that make XXXX easily show the argument dont stand. Please be ethical. 



Thank you,
Product: Debt collection

I was pursued by XXXX XXXX earlier and now by Pendrick Capital Partners II, LLC for a {$890.00} medical bill on behalf of XXXX XXXX XXXX for a medical procedure ( CPT Code : XXXX ) done on XX/XX/2015. I have no recollection of any such service received by me or my family. I do not recollect every seeing this doctor- XXXX XXXX XXXX and also have never been to this hospital in XXXX WA. I called the Hospital and also Physicians Office and they do not have any record of me. I asked Pendrick to send me details and the date of birth and Phone number on the record are wrong. This clearly is a mix-up or fraud as my name is a common XXXX name ( XXXX XXXX ). 

This claim showed up on my credit history and had a significant impact, bringing down my credit score. I was about to buy a house and now I am stuck due to a lower score.
Product: Debt collection

Refusing to verify debt, and refusing to verify identity of debt collection company. Sent insulting communication back to my attempts to correct their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting my Capital One credit card with a XXXX balance twice.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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
Product: Debt collection

I made an agrement to pay/settle my account with XXXX XXXX to stop them from collecting and to have the collections accounts removed from my credit report. To date, they have not done anything and BY HAVING INCORRECT INFORMATION ON MY CREDIT REPORT IT APPEARS THAT THEY HAVE NOT STOPPED AND continue to make attempts to collect and they continue to provide inaccurate information on my credit report thus affecting my score and my CREDIT WORTHINESS AND qualification to obtain credit AND IT SIGNIFICANTLY AFFECTING ME AND MY FAMILY TO PURCHASE OR REFINANCE VA LOAN, IT ALSO RESTRICTING ME TO QUALIFY FOR A JOB.
Product: Credit card or prepaid card

Someone used my information to apply for a Bloomingdale 's / citi bank, credit card XX/XX/2022. That application is not mine, it is fraudulent.