23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX AND DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX AND DEPT OF ED/XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX, MD XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Perfection Collection never notified us via mail or phone that we were taken to collections. We did not have any idea we weren't sent to collections until I called the company. 

XXXX never notified us via mail or phone that they sent any debt to collections. There salesman also lied in our agreement. We stated we would be moving within 2 years and he stated we could cancel at anytime if we move. He was trying to make a sales on false claims. 

Either company can not produce our original contract. 

Communication and lying are being reported. Below are other reports of this happening off the BBB. 

GOVERNMENT ACTION Gov Action Utah DOPL On XX/XX/XXXX the Utah Division of Occupational and Professional Licensing ( DOPL ) found XXXX, XXXX employing an unlicensed individual as an alarm company agent. Respondent was issued a fine of {$400.00} which has been paid. 

GOVERNMENT ACTION Pennsylvania Attorney General Settlement On XX/XX/XXXX, Attorney General of Pennsylvania entered into a Settlement Agreement with XXXX, XXXX. According to the settlement, agents from XXXX allegedly made the following misrepresentations in door to door solicitations : XXXX agents said they were affiliated with the consumers ' existing security companies. 
Agents further said that consumers ' existing security systems and services n GOVERNMENT ACTION State of Texas v. XXXX, XXXX. 
On XX/XX/XXXX, XXXX , XXXX. and XXXX XXXX XXXX , XXXX. entered into an Assurance of Voluntary Compliance ( AVC ) with State of Texas. The State of Texas alleged XXXX  employees engaged in door-to-door solicitations for home alarm system goods and services in Texas without being authorized to do so as required by the Occupations Code and some of the XXXX  employees engaged in door-to-door solicitation in Texas after
Product: Mortgage

This has been going on with the Wells Fargo since late XX/XX/XXXX early XX/XX/2018. 

The only thing that the company has addresses in full was why they used that specific appraiser. I am ok with their answer to that point only. 

They still have not addressed the mistakes and wrong information for the properties that are in the appraisal at all and in specific detail. By law Wells Fargo must have at least three accurate properties with correct facts in order to accept the appraisal which the full appraisal does not and only has one. If Wells Fargo does not fix the errors and incorrect information and data in the report and/or use the report and accept it then they are breaking the lending laws both federal, state and local. Wells Fargo must either correct the report or not accept it in order to follow all the laws and regulation that govern leading. 

Wells Fargo still have not addresses the lies that the company employees have done, i.e. said that they review information but did not and stated those facts on recorded calls. What specific steps did Wells Fargo do to re-train these employees and what improvements plans where these of these employees put on. It is against the banking laws to lie to a customer through the lending process. These happens during multiple stages through this application and have been documents on recorded calls. To resolve this matter Wells Fargo must go back and listen to every single call in full and confirm to me that they did that in writing and they then took appropriate action against the employees that lied. 

They had a legal team review this please explain in detail why Wells Fargo had a legal team need to review this if Wells Fargo did not do anything wrong.
Product: Credit card

Synchrony XXXX XXXX with whom I have had a card with now for years, and have always applied ( allocated ) payments to certain balances, all of a sudden ; is refusing to allocate the remainder of my monthly payment, to the higher interest Non-Promo balance as I am requesting! Instead, they are allocating the entire monthly payment to my promotional balance which isn't even due for another year, and putting little to nothing towards my non-promo balance of which is accruing interest of $ XXXX. This then is actually increasing that entire balance and decreasing my promotional balance ONLY!! I have called and argued with them, as this has NEVER been an issue with Synchrony until XXXX. It is clear they are doing this so that promotional balances get paid off first when not necessary and we consumers are stuck with high interest balances and hundreds in interest charges!! 

Something needs done about this, as I can see hundreds of online complaints from Card users!!!
Product: Mortgage

On XX/XX/2019, I noticed a service fee from Flagstar Bank pertaining to a payoff request for which the customer service dept. is unable to tell me who made the request. 

Please note - my loan servicing was transferred to this company about one month after I closed with XXXX XXXX company for which I already paid loan payoff fees with a different lender for which I can understand. 

I have had my mortgage servicing transferred several times in the past of owning a home, but have never been charged a payoff fee when a new service takes over sending the bill. 

I called XXXX to inquire about this practice and they said I should not be charged a fee when servicing is transferred. 

My goal is to find out who ordered this payoff request and to stop Flagstar from charging servicing fees for mortgages they service and to refund this charge to my account as well as have charges brought against them by the appropriate organization for penality.
Product: Credit card or prepaid card

Around XX/XX/2023, I opened an account with American Express for a new American Express Platinum Card ( " Card '' ). As a promotion, American Express offered and I accepted a sign-up bonus ( of receiving XXXX Membership Rewards ) contingent on spending at least {$6000.00} on eligible purchases in the first 6 months. 


On XX/XX/2023, I used the Card to make a purchase through XXXX for a payment to the IRS in the amount of {$6400.00} ( " IRS Payment '' ), and was charged a fee of {$110.00} as a convenience fee. I was aware of the convenience fee and have no problem with it. On the FAQ pages for XXXX, it is stated that a " tax payment will be treated as a retail purchase ''. With this purchase, I satisfied the condition for receiving the sign-up bonus as explained above. 


Concerned that the sign-up rewards had not posted by XXXX, I reached out to American Express representatives on XX/XX/2023, via an online chat function. The representative informed me that the IRS Payment constituted " other cash equivalents '' and thus ineligible as a purchase that counts towards the sign-up bonus. After explaining that the website very clearly states the tax payments are processed as a " retail purchase '', the representative escalated the matter and filed an internal ticket. 


Having received no updates, I reached out again to American Express by the online chat function on XX/XX/2023. XXXX representative explained that the case was reviewed but American Express had decided " no further action [ was ] required ''. 


I explained again that the IRS Payment was processed as a retail purchase to no avail. I was referred to another representative who informed me that escalating the matter again would yield the same result. I explained my next step would be to file a CFPB complaint. 


American Express 's Cardmember Agreement specifically provides that " [ a ] cash advance is a charge to get cash or cash equivalents '', with cash advances incurring additional fees. The Membership Rewards Terms and Conditions also clarify as ineligible purchases " Cash advances and cash equivalents '' for which no reward points are awarded. 


Notwithstanding such definitions and terms, the IRS Payment did in fact earn XXXX rewards points ( i.e., American did not treat it as a cash equivalent purchase ), and the IRS Payment did not incur any charges relating to cash advances ( i.e., American did not treat it as a cash equivalent purchase ). 


For some reason, when it comes to having to grant to a cardholder the widely advertised benefit of obtaining the sign-up bonus, American Express decided the IRS Payment is deemed a cash equivalent purchase. That is, American Express purposely and deceptively miscategorized the IRS Payment.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by XXXX, XXXX and Equifax. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. Under XXXX XXXX XXXX, XXXX XXXX, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, XXXX XXXX XXXX underscores XXXX 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. I have recently become aware that [ XXXX XXXX XXXX ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which prohibits consumer reporting agencies from including certain items of information without proper authorization. I wish to emphasize that, as per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there XXXX be inaccuracies in the reported information, constituting a potential violation of the law. Furthermore, XXXX XXXX XXXX mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section XXXX and limit the furnishing of consumer reports to the purposes listed under section XXXX. I am concerned that the procedures in place XXXX not be sufficient to meet these statutory requirements. In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ XXXX XXXX XXXX ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. Please be advised that, under XXXX XXXX XXXX, I am exercising my right to opt out of any adverse reporting services provided by [ XXXX XXXX XXXX ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.
Product: Checking or savings account

Dear, As veteran and XXXX person on fix income and Small business owner and trying to survive Im very disappointed with Citibank, on XXXX XXXX, I made cash Teller deposit to my business account and wrote check from It and deposit it in my personal checking and the fund were removed from the business account and two days later the check was returned NSF so I called small business Citibank and it discovered It was an error credit the fee {$35.00} and transfer the fund back to my checking account and apologized for the it but Citibank the charged additional fee {$12.00} for returned check but they didnt credit It even though the teller made the error and she was the one took the fund from the account and to other I made cash deposit write check from It and deposit to my personal check and everything was authenticate but It seems Citibank violating the FDICs guidelines and It is fraudulent and unethical imaging what they are doing to others consumers and they have to apologize for waisting my time. Citibank withdraws the fund from saving account and transfer It to personal checking.
Product: Checking or savings account

Citibank arbitrarily and without justification locked my account and will not allow withdrawals or the ability to close my account. On XX/XX/XXXX they stated that they needed to mail me a security code and it would take 7 business days. Two weeks later it has not arrived to my address of record and they will not release my money or close my account. On numerous occasions by phone I have passed all their security checks and they will not tell my why my account is locked. Today, they said that they are mailing a new security code, but I have no confidence it will arrive. {$18000.00} is locked in their bank and I can not access my money for living expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

I need your help to correct this error and update my credit report as soon as possible, please. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sent Experian a letter on a XX/XX/ To provide me original contract with signature to verify the account was mine. Experian never produced contract. Still they are reporting on my credit report in error needs to be deleted immediately by federal law
Product: Vehicle loan or lease

Purchase Money security interest is being intentional or unintentional withholding, not on my behalf, in this agreement. No evidence of a verifiable debt owed. And we are demanding all over payments returned. How can someone have a lien on my property and not have that debt registered with the Secretary of State. This is wrong and needs to be addressed immediately. Thank you. See attachments for payment to be returned XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I tried making my payment using my debit card twice on avont.And it canceled both payments and never tried to charge my card. I then changed my payment method and now it is Not processing the payment until XXXX when it says on their page it will be the next business day. This is not the first time. They have an obligation to accept the payments tgey say they do. 
15 U.S. Code 1637 - Open end consumer credit plans 15 U.S. Code 1666a - Regulation of credit reports
Product: Mortgage

I have been trying to open a short sale on my property since XX/XX/2022. I am been put through a loan modification process that is denied? Since XXXX I have been calling and emailing 100 's of times to see what is going on? Now the bank is saying in another denial - Your loan on the related property has received the maximum number of foreclosure alternative options that are permitted by the assignee or mortgage owner of your loan. They have not allowed any? We will go to foreclosure as they are not willing to help. We have a buyer.
Product: Credit reporting or other personal consumer reports

EQUIFAX Information Services LLC has obtained my social security number, account numbers, and credit card numbers from XXXX XXXX and XXXX without my authorization. I do not want EQUIFAX to have my personal private account information with these financial institutions. EQUIFAX also is sharing and selling my information to unknown 3rd parties. This is identity theft.
Product: Prepaid card

I purchased a NetSpend Visa Prepaid Card, of which I already have numerous other accounts, and I asked what was needed for ID verification and it's been 2 weeks now, after I explained I need prescriptions for my terminal illness and children they still keep telling me my documents are reviewed and account and card usable, for 2 weeks now and it's not been usable at all. I asked what they needed and gave them over 5 verified documents for ID verification from Drivers License to Utility Bill and SS Card as well as updated lease, all dated within 30 days with official letterhead and dates, signatures, my XXXX XXXX XXXX XXXXXXXX XXXX statement, among other documents and my card 15 days later is still unusable and I have literally spent over 24 hours I don't have on the phone with so many reps for NetSpend, all of which were recorded on both ends and all documents I sent in were also CC 'd to attorney XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got a loan to pay off some debts but when I got the loan. When getting the loan I was not allowed to change the date of the payments. I was told that I could change the payment date after getting the loan but I was then told that I can not change the payment date. Also, they have a section that says I will also be required to pay a late fee because if my payment is not paid by XXXX then there is a XXXX $ later fee. If I can not change the date of my payment then I will be late every month so they are hitting me with that fee each month. The is no option even if i schedule payments ahead of time I still get a late fee. This is an unfair Practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 alleged fraud or extortion. 



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