23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I found out my card was cancelled with AMEX on XXXX XX/XX/XXXX. I immediately contacted AMEX via phone. I was told they had initiated a financial review and I failed to comply with it. I asked why a financial review was initiated and they said it was proprietary information. When I asked what type of information they needed, they didn't tell me until the second phone call and that it wouldn't matter if I provided it now as the matter was closed. I requested, calmly, to speak to supervisors multiple times. I am waiting for a call back from one of 2 supervisors but am not optimistic one will call me, hence the complaint. 

I was not cancelled for non payment, having made a payment as recently as 8 days prior to the cancellation and during the review process, though my account is admittedly near it's limit and I make essentially the minimum payment and a little more monthly. 2nd person I spoke with on the phone said it's not a matter of not making the payments, but because I didn't provide them bank statements and paystubs, they cancelled my account for failing to comply with their financial review. When I said that cancelling my account for the financial review has the same effect as if they'd cancelled it for non-payment, she seemed not to care or acknowledge that fact. I said I feel this may be a violation of Consumer Financial Protection law, but again, she was unmoved. 

When I explained that as a military service member, who now has poor credit due to a pending divorce and that this would have prejudicial consequences on my military career and my ability to retain my security clearances, it had no affect. 

Apparently they mailed a letter to my home on XXXX XXXX ( while I was traveling for work ) and attempted to call me once as well as sent me an email that I believe went to spam. But my request to understand why my account was placed up for financial review in the first place is what feels prejudicial and punitive. And now the day I actually received notice, I'm being told it's too late to uncancel the card which I refuse to believe is the case and I've asked them to reconsider the cancellation and I'm happy to comply with the financial review now that it's been clearly communicated to me. 

The irony here is I was just charged the annual renewal fee for the AMEX platinum card and now that the account is closed, I've paid for benefits I'll be unable to take advantage of. I was also XXXX for military duty during this financial review timeline and yet that hasn't given me any grace period to get them the documentation they asked for. And I still don't know why a financial review was initiated, which feels prejudicial.
Product: Credit card

They finally admitted to XXXX using an incorrect code, when it happened at least XXXX over a period of XXXX months. They ignore my complaint that they notified me of a Fraudulent charge and closed my credit card, Chase none-the-less accepted XXXX charges ( {$460.00} and {$230.00} ) from that same bogus merchant ( without my permission ) after the account was closed. Now they somehow expect me to pay these charges, when it was posted to a closed account.
Product: Mortgage

I recently refinanced my 30 year mortgage with Flagstar Bank. I think this is my 3rd loan with Flagstar. My first payment was due XX/XX/XXXX. For various reasons, I decided to not pay until XX/XX/XXXX, which is absolutely allowed. In fact, there is no late fee until after the XXXX of the month. I have never missed a payment ever. 

They called me Tues XX/XX/XXXX at XXXX XXXX  and left a message asking me to return their call. 
They called again first thing this morning XX/XX/XXXX at around XXXX. 

The agent on the phone said she was calling from Flagstar collections. 

I stated that I was very surprised and because I have from XXXX XXXX to make my payment. First she said well your payment was due XX/XX/XXXX in a stern tone. Again I asserted that it was my right to pay within the first 2 weeks of the month without harrassment. And then She said she was in the internal collections department at Flagstar and wanted to reassure methat this matter had not gone beyond the bank??! 

I stated that I scheduled my payment for XX/XX/XXXX. 

She then asked why I was paying " late '' ... what was the reason and did I intend to continue paying this way each month, which I found incredibly intrusive. 

I assured her that I understood the banks were in a tight spot but that I was gainfully employed if that's what she wanted to know. 

Honestly, the whole experience felt abusive. I have never experienced anything like it. 
I am employed, pay my mortgage evey month. I sudder to imaging what they are saying to fols who are struggling.
Product: Credit reporting, credit repair services, or other personal consumer reports

My grievance is DIRECTLY with XXXX XXXX reporting false information to equifax. 

I need someone to call equifax ASAP and call me at XXXX because XXXX XXXX  loan is FALSELY reporting that XXXX XXXX closed my account!!!! When in fact it is current and ACTIVE. 

Need someone to report to equifax credit bureau immediately that my account is current and not repossessed AND NOT CLOSED DOWN. Please call them and dispute. Ive attached PROOF that XXXX XXXX is falsely reporting this information to the credit bureaus. 


Info : Confirmation # is : XXXX for Equifax to fix dispute The Follow up equifax direct # to call for dispute : XXXX XXXX confirmation dispute # : XXXX
Product: Credit reporting or other personal consumer reports

In regards of numerous attempts and providing extensive documentation to have these inaccuracies corrected, these late open accounts continue to appear on my credit report as delayed payment, severely impacting my financial standing and credibility. The persistence of these errors is both frustrating and damaging. Honestly i've been paying on time. It undermines my efforts to maintain a clean credit history and hampers my ability to access credit and secure favorable financial terms. This situation has caused me significant stress and inconvenience. I demand immediate action to rectify this matter. I expect a thorough investigation into why these late open accounts continue to persist on my credit report as late despite numerous requests for their correction. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution.The following accounts should be corrected as soon as possible : 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: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account and inquiries appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and account have affected my life and resulted in several fraudulent hard inquiries and account and appearing on my consumer FICO credit report. XXXX XXXX XXXX XXXX XXXX opened XXXX {$4600.00} # XXXX inquiry XXXX XXXX date XXXX demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX XXXX, XXXX and Equifax What happened Consumer Name : XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent account have resulted in a fraudulent inquiry appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiry as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, Equifax, and XXXX credit XXXX XXXX XXXX all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a problem with CoinBase they block my account without reason. 
I have tried to solve with them but was impossibe. 
They dont solve my problem
Product: Checking or savings account

Charging me a maintenance fees and Im not supposed to have overdraft but my bank account ended up in the red
Product: Student loan

I want to get the period of late payments removed from my credit report because I paid off the loan early
Product: Checking or savings account

I have checking and saving accounts with CitiBank for years. I used this account for fund transfer for payment from XXXX XXXX. XX/XX/XXXX, my account was frozen for unknown reason. There was no explanation. I went to a branch to complain. the bank manager worked very hard to call whatever department in the bank to get explanation and address for contacts to retrieve the fund. I had my lawyer written two letters between XXXX and XXXX as there was no response from the contacts. Between XX/XX/XXXX to early XXXX, XXXX, the account was reopen. It was my mistake not to withdraw and close the account due to my trust of the bank. Then I received a letter from Citibank dated XX/XX/XXXX, stating that this is the final Checking Account statement, my Checking Account is now closed. There is no explanation why the account was closed. Where is the total fund of {$17000.00}? Who withdrew this total amount? 
I called the number listed on the letter on XX/XX/XXXX, the response is that a check with my total fund would be mailed to me. I received no response. On XXXX XXXX, I called, the Debit card No. and PIN are not recognized by the system. I wrote a letter to the listed address, demanding refund. So far, there is no response from Citibank.N.A. 
I received a certified mail from the Attorney General of Washington dated XX/XX/XXXX, RE : Order issuing Process for XXXX of $ $ $ $ $ $ $ in Citibank , N.A . Account Ending in # # # # ( my account number. ) XXXX XXXX XXXX XXXX WAshington has ordered the XXXX by the State of WAshington of certain proceeds in the Citibank , N.A . account listed above, as money traceable to or derived from fraudulent claims for unemployment benfits... The seized amount is different than the fund that Citibank had grabbed from me! 
The Citibank has stolen my fund and closed my account. The Citibank has stolen my Identity card for fraudulent use to scam for unemployment benefits. It is criminal acts. I deserve justice and get my money back and at the same time, my name and identity should be cleared. I want this CFPB to take action, this bank needs investigation or closure to protect consumers.
Product: Credit reporting or other personal consumer reports

According to the FCRA 605B ss ( 15 U.S.C. ss 1681c-2 ), it is illegal to report any information on my credit report without my permission especially if that information is inaccurate. After countless phone calls and online disputes you continue to report a Non-mailable address, which makes my profile more susceptible to identify theft. I have no connection to that address. I can not receive mail nor can I be contacted there. I will request one more time that you delete that address from my Experian consumer report, I have one address. The inaccurate, non-mailable address is attached.
Product: Debt collection

XXXXCaine & Weiner reported to XXXX, and XXXX a debt of {$700.00}. I am unaware of such debt. The creditor failed to contact me prior to placing such derogatory remarks on my credit file. It failed to follow the Fair Credit Reporting act prior to report such to the credit bureaus. Please delete the item from my credit report.
Product: Checking or savings account

Direct deposit paycheck deposited by employer ( confirmed ) shouldve been accessible to me on Wednesday. But when calling capital one Wednesday evening, the agent said they did not see any deposit pending on the back end and to check with my employer. He also acknowledged that they had just been notified of an ACH problem.

Now it is Friday, Ive obviously read the news and still dont have my deposit. The FIRST communication I received from capital one regarding the issue was at XXXX XXXX. No transparency, definitely not looking out for my interests. Had they notified me before Id even noticed, at the onset of the issue, which they surely realized before I did, my confidence in my bank wouldve been retained. The complete radio silence while thousands of their hard working customers struggle to figure out why they didnt get paid is completely lost on me. 

They need to be accountable for withholding funds as well as any unprocessed payments and fees as a result, and for the stress they have caused so many. This is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, TRI STATE ADJUSTMENT IN add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA TRI STATE ADJUSTMENT IN has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; U S DEPTOFEDXXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

On XX/XX/year>, I received a call from a company representative claiming that I owed a debt to XXXX XXXX XXXX XXXX  or something of the sort. I informed the representative that I didn't owe such a debt and to provided verification that I in fact did. I also demanded that in accordance with the FDCP Act the company Cease and Desist from contacting me further. The representative stated that they would not that the debt was owed by me and that I had to pay it or they were going to sue me. Again, I told the representative that I was rescinding any permission I had given them to contact me and to Cease and Desist from doing so immediately.
Product: Credit reporting or other personal consumer reports

Please see attached. Please report correct information to consumer bureaus.
Product: Credit card or prepaid card

To whom it concerns, Wells Fargo and Company still have not addressed the concerns which I have reported more than 3 times now on the same issue. There was an Account for a Wells Fargo XXXX XXXX XXXX card, Which I applied for. In XXXX of XXXX, and through several different transactions, Fraud had occurred on the card. I had reported the Fraud right away as soon as I was able to determine that fraud had occurred. The card was stolen when my wallet was stolen, and I did not authorize any purchases in XXXX, XXXX or XXXX, for that matter on the card. Someone had used the card for unauthorized transactions, This was in the sum of almost {$28000.00} USD. Once I notified Wells Fargo, I was never contacted again I did call back several times on this same issue to see if someone could address the fraud with me, Wells Fargo stated they concluded an investigation and have determined It was my liability for the Fraud even though Wells Fargo, Knew I didn't have the card in my possession and states they have a {$0.00} Fraud liability policy. This issue is still ongoing. Wells Fargo recharged the card all of the fraudulent transactions, I have reached out to a few of these merchants on what I could see from the statements, a few of them being XXXX XXXX, and XXXX and XXXX XXXX. I asked the company via email if they had ever seen me use any of these apps, and gave them some of my information. The Company 's replied back saying I do not have an account on these platforms and that I never had. I sent an email back advising that Wells Fargo has numerous fraudulent charges from their company on my credit card statements during the fraudulent transaction period. XXXX told me Wells Fargo never sent them any documentation on the fraud, or they would have been more than willing to cooperate in the investigation. Wells Fargo didn't address my concerns in the last complaint and instead tried charging me a minimum payment due of {$2800.00} Which is absolutely absurd and due to the fraud they never corrected. I have tried reporting this numerous times by calling in and it never gets investigated. Per the last solution from Wells Fargo they told me because i made a payment to the account that I am responsible for the fraud. I do not believe this is a proper resolution. Wells Fargo then, Closed the Card as of Saturday XXXX/XXXX/2020, Without even contacting me to RESOLVE THE FRAUD that still is on the card and still billed to the card. When I spoke to a personal banker they advised I should definitely dispute this as if someone used the card fraudulently I shouldn't be liable for the fraud, and wells fargo prematurely reported it to the credit bureaus as deliquent and closed the card, without even cancelling the fraudulent transactions that I DID NOT COMPLETE. I am more than willing to send in an Affidavit if wells fargo requests one.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquires on my Experian Credit Report that I did not consent to nor authorize. 
1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXX 5. US sm bus admin - XX/XX/XXXX 6. XXXX XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX  XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX - XX/XX/XXXX
Product: Student loan

Sallie Mae is currently reporting a studentloan that was fraudulently obtained with my information by my ex husband. The loan was opened in XXXX and it was brought to my attention in XXXX after The loan was defaulted upon by my ex. I then informed Sallie Mae that the issue is an identity theft. And they sent me some paperwork to filled out ( whicj they claimed was never received ). The last communication was in XXXX and I was informed XXXX  that they never received my mail and the loan is no longer being serviced by Sallie Mae. I should instead contact Navient, who is now the new servicer of the loan. Every time I called I can not get a straight answer as no one seem to know what's going on with the loan instead I get a monthly reporting on my credit report about delinquency
Product: Mortgage

I contacted Caliber Home Loans back in XX/XX/XXXX to complete a loan modification due to a missed payment when Hurricane Irma happened. It is now XX/XX/XXXX and Caliber has yet to get all the information correct to complete this modification. It started off with not receiving faxes of required documents ( I have the fax confirmations ) so we started uploading all required documents into their website on my account. Every time I contacted them, a form was out of date and needed to be resubmitted. Any mailed information they send is 3 weeks behind and never loaded on my account on website. 
This exchange of required documentation went on for 6 months!!! 2 weeks ago, an agent provided me wrong information due to modification containing a payment HIGHER than what I pay now and her answer to me was I guess you need to find more money .... I immediately asked for a supervisor and was told by him that she gave me wrong information and he submitted information to modification group and not to make a payment this month until new payment is established. Well I called today ,XXXX, to find out what is going on and another agent gave me wrong information and no supervisor is available right now. 
Im trying to do the right thing and catch up on my payments using the help they offered and it has been literally 9 months of XXXX trying to get this completed. 
If I was not in the situation Im in due to handing parents financially as well, I would leave this company and I will tell anyone considering his company not to use them. They have been completely useless in my time of need. Of the 19 different single point of contact specialists I have had to deal with, each one says they will help and have everything handled for me ... .. yet it is not handled. I just want the modification and get back on track with my mortgage. This has been unnecessary stress for 9 months ( and counting ).