23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I downgraded my Delta SkyMiles Gold Card to a Blue card late beyond the stipulated period, because I had just moved house then. That was right about the time my Delta SkyMiles Gold Card renewed and so my annual fees became automatically due, but I was not made aware of this development because my address was not updated in Amexs system and no letters or emails were sent to me to notify me about the automatic imposition of the membership fee for my Delta SkyMiles Gold Card. 

I only discovered this later in XXXX when charges were suddenly levied on my card and I got the payment reminder, and so I immediately called Amex to resolve the situation. They offered me to waive my card fees ( i.e. get a refund of the membership charges ) if I downgraded to the Delta SkyMiles Blue Card, rather than cancel the card outright which would not allow me to enjoy any waiver / refund at all from the charge levied by the Gold Card ( the first year was free and so I didnt even realize this renewal would suddenly cost me so much fees ). So based on that information I agreed to downgrade my Gold card to the SkyMiles Blue Card, and the agent on the phone then was not able to determinatively say how much of the pro rated membership fee I still needed to pay - he even mentioned the possibility that I would not have to pay any membership fee ( as I had expressly told him about my home address / moving situation and pleaded with him to allow me to completely waive any pro-rated membership fee ). 

Anyway, I found out in the following week that the refund of the pro rated membership fee was quite away from the full amount, and I ended up having to pay almost {$17.00} even though this entire problem was not caused by me- I had recently moved homes ( I can provide documentation of my change of address and new lease documents ) at just around the time Amex decided to automatically renew my card for another year while massively bumping up the annual fee from the previously $ XXXX  year prior where nothing was charged. The worst part is I was not even informed of this development at all, whether by mail or email, and this is certainly predatory and misleading behavior by a big bank against the average consumer. 

I also have an outstanding investigation case pending with Amex and they promised to get back within 10 business days with the outcome of my pleading appeal to waive the outstanding pro-rated membership fees from my Gold card, but they breached this deadline as well and nobody informed me through any more of communication - it was only when I called in again today ( XX/XX/XXXX ) that I realized they had rejected my appeal escalation, but yet nobody informed me of this outcome and continued to leave me in the lurch, maybe hoping that I would incur further late fees and interest. 

This is all extremely unprofessional and frowned upon behavior against the values of consumer protection, not to mention predatory pricing and borderline fraudulent behavior. Amex should refund me the rest of my membership fees ASAP, not to mention further costs of all my lost time and mental suffering and stress having to deal with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to credit bureaus that this is an revolving account. This is a checkings account. XXXX has failed to validate and verify my signature on any documentation per my previous dispute request
Product: Credit card or prepaid card

XXXX shows opened in XXXX/2012 this is not my account. My identity was stolen and has been being used for years. They have opened bank accounts in my name while making some payments and leaving others my social security card along with my identification and birth certificate has been compromised I have filed a police report, written letters to the company and to Experian, I've sent in lease to where I lived in 2012, sent in proof of identity and a bill showing where I reside now. Its been years and Experian still has this on my report, the creditor hasn't responded for years after sending certified letters. This information needs to be blocked from my Experian credit file. They are in violation of the fair credit reporting act.
Product: Debt collection

THIS ACCOUNT WAS REMOVED FROM MY CREDIT FILE FILE BEFORE AND WAS ADDED AGAIN BY THE COLLECTION AGENCY, PORTFOLIO RECOV ASSOC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I paid off my loan. In full. Received confirmation from the company that I paid off the loan, in full. 
They did not report the payment to the credit bureau. I filed a dispute with XXXX. 
After the dispute was " resolved ''. They were still reporting a balance that had not been paid on the loan. So the balance is still on my credit report. 

If I take out a loan, that loan shows up on my credit report in XXXX hours. 
If I pay the loan off, it takes MONTHS to be reported to the credit bureaus. 

This is an abuse of the credit system and an imbalance towards consumers. All financial institutions that report to credit bureaus should be required to report payments just as fast as they report credit usage.
Product: Payday loan, title loan, or personal loan

I have reached out to Moneylion via correspondences dated XXXX XXXX, 2022. They have yet to respond to me. I also have the certified mail receipt that was signed.
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX 
According to the following : 1. 15 USC 6802 ( b ) ( 1 ) ( B ) - Gramm-Leach-Bliley Act ( GLBA ) Definition : This provision relates to the disclosure of nonpublic personal information by financial institutions. It specifically allows financial institutions to share nonpublic personal information about a consumer with non-affiliated third parties only if : The financial institution provides the consumer with an opt-out notice, giving them the choice to prevent such sharing.

The consumer is given a reasonable period to opt out of the information-sharing before the institution proceeds with the disclosure.

2. 18 U.S.C. 1028 ( B ) - Identity Theft and Fraud Definition : This section criminalizes the use, possession, or transfer of unauthorized identification with the intent to commit any fraudulent activity. It specifically covers identity theft, where a persons personal identifying information ( like Social Security numbers, credit card numbers, etc. ) is used to commit fraud or other criminal activities.

3. 15 USC 1662 - Truth in Lending Act ( TILA ) Definition : This section of the Truth in Lending Act ( TILA ) prohibits creditors from engaging in unfair or deceptive practices. It focuses on requiring lenders to disclose the true cost of borrowing to consumers, including interest rates, fees, and other terms associated with the credit. It aims to prevent creditors from misleading consumers about the terms of credit agreements.

4. UCCC 3.301 ( 1 ) - Uniform Consumer Credit Code ( UCCC ) Definition : Under the Uniform Consumer Credit Code ( UCCC ), this provision mandates that lenders provide clear and accurate loan documentation to the borrower. This includes the clear disclosure of the loan 's terms, such as interest rates, repayment schedules, and any associated fees, so that the borrower fully understands their financial obligations.

Purpose : To ensure that borrowers are well-informed and understand the terms of the loan they are entering into, promoting transparency and fairness in lending practices. 
Specifically : ( XXXXXXXX XXXX XXXX  v La XXXX ( XXXX ) XXXX XXXX XXXX. XXXX ALRd XXXX. ) My rights are in CLEAR violation. 

XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged the company of accepting unreliable information and failure to notify consumer dispute results. This aligns with my situation! XXXX has not attempted to remove, nor correct any information. This is preventing me from being able to purchase a home. 

I requested that they cancel, discharge, and remove all debt as I have no federal obligation to this debt. Furthermore, I requested they return any illegal obtained monies/interest with Title and Lien Released .
Product: Mortgage

My loan was sold to a different servicer. I set up bill pay with my bank. The new servicer rejected my first payment. When I called to find out why, they advised that they had received my payment but were rejecting it as their policy was to not accept bank billpay for the first payment after a transfer. I asked how I was to know that and the agent referred me to my welcome package. We reviewed the welcome package together and the agent, and a supervisor, confirmed that nowhere in the welcome package did it indicate that a billpay payment would be rejected XXXX the instructions even provide a reminder to update the billing information with the billpay provider! XXXX. When I raised this with the supervisor, she advised that they knew the welcome package was wrong and they had not gotten internal support to update the letter content to indicate that initial payments would be rejected. I let her know that I could not believe they were letting this happen as it would mean that every transferred customer would have a rejected first payment and therefore a late payment. Her response was that late charges would be waived - I told her that was not the point as we were not intending to pay late. I was given the option to make another payment with the agent to replace the one I had already made that was rejected - for a {$15.00} fee. Completely unacceptable service from Seneca XXXX Servicing.
Product: Student loan

I enrolled in a cohort program which offered a accelerated certification, the loan service provider Sallie Mae offered me support for the program yet the university did not allow me to move forward. After enrollment a month in a half into course I learned that the device that was being used was not compatible with the software needed to complete the course. Sallie Mae offered the extension for that yet the university would not allow it to be used they referenced it as " Pace compliance ''. I tried to communicate with both entities that the program specifications and requirements discussed and disclosed prior did not match what the experience of service was and accept the solution offered by Sallie Mae yet due to processing issues I have not been able to attend. Sallie Mae advised that a disbursement for the program was given to the university and it would have to be sent back yet the university declined. I was given the run around and now have a debt that has not been sourced for use on my credit report. The University states that they do not have funds to send back and that I was given misleading information from the lender. They state that the payment processing did not go through on there end. 

Course start date XX/XX/XXXX _ XX/XX/2022 anticipated completion XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Sallie Mae Loan amount for program : {$4800.00} Equipment to complete program request : {$9800.00} total amount
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to remove this account from my credit file. XX/XX/XXXX and XX/XX/XXXX has already verified that neither of these accounts belong to me and have been removed. I was a victim of identity theft, I've been fighting for years to get my credit back on track. I have written letters filed police reports and Experian is the only one who as yet to take these accounts off my file. this person has absolutely ruined my life opening accounts, cards, bank accounts and loans. I truly believe this was a family member. In 2014 I did not have a income to open new accounts. This person paid on accounts over time continued using my credit then stopped. I've reached out to the creditors and Experian with the police reports, copies of my lease showing where I lived at the time these accounts were opened, letters that this is a violation of the fair credit reporting act and I have been ignored, yet XX/XX/XXXXandXX/XX/XXXX verified these don't belong to me. 

XX/XX/XXXX for the amount of {$2500.00} opened XX/XX/2014 XX/XX/XXXX in the amount of {$15000.00} opened XX/XX/2014XX/XX/XXXX in the amount of {$4100.00} opened XX/XX/2014
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

So i recently checked my credit report for experian and noticed I have XXXX inquiries but i dont recognize at least XXXX  of them. Starting with mortgage reporters from XXXX  on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I then have gotten false credit card inquiries from XXXX ( XX/XX/XXXX ) and XXXX XXXX ( XXXX ). I have called both banks trying to resolve these issues before but they dont care to help.
Product: Credit reporting or other personal consumer reports

Collection Company Name : Transworld System Inc Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX Date Opened XX/XX/year> Date Updated XX/XX/year> High Balance {$1500.00} Original Creditor XXXX XXXX Past Due {$1500.00} Asking to have the above debt removed due to it being a debt collector and they are going against the below code for communication with the credit bureaus this information. 


15 U.S.C. 1692c is a section of the United States Code that governs debt collection communication : Communication with the consumer Debt collectors can not communicate with a consumer without their consent or a court order. They also can not communicate at inconvenient times or places, or if the consumer has an attorney. Third-party communication Debt collectors can not communicate with anyone other than the consumer, their attorney, a consumer reporting agency, the creditor, or the creditor 's or debt collector 's attorney.
Product: Checking or savings account

Navy Federal approved transactions knowing I did not have enough money to cover expenses charging an additional overdraft fee.
Product: Credit reporting or other personal consumer reports

1. On XX/XX/2024, I pulled my credit report and discovered how Capital One Auto Finance has been furnishing my income and transaction history, to credit reporting agencies. Per the Internal Revenue Service, " charge-offs '' are considered taxable income and my income is non-public personal information that Capital One Auto Finance has furnished without my written or oral consent to the unauthorized agencies/non-affiliates XXXX, XXXX and XXXX. Those entities are 3rd party companies. 

2. Due to the said actions of Capital One Auto Finance, I have faced socioeconomic discrimination in regard to credit transactions and I have been injured by their furnishings ( my non-public personal information provided to a financial institution ) of the respondent. I have been denied credit and access to my to my human right of realization pursuant to 42 USC 1981. Pursuant to 15 USC 1681b Permissible Purposes ( 2 ), the respondent was never granted written consent. If in any way the respondent was granted written consent, it was granted to the respondent by way of extrinsic fraud and I the consumer rescind the respondent 's authority. The respondent 's unauthorized actions act as unauthorized use of my credit card and the action taken against me has caused emotional damage and distress. It is humiliating and embarrassing being denied my own credit. 

3.Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer may have given the respondent with or without proper consideration, written, unwritten, verbal or non-verbal pursuant to 15 USC 6802 . I was never provided adequate notice that I can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party. 

4. If the respondent 's answer to this complaint is served upon me by an attorney or any member of the American Bar Association, I would hope they heavily consider their oath whereas it states " I solemnly swear that I will support the Constitution of the United States, that I will faithfully discharge the duties of the office of attorney, and that I will conduct myself at all times with integrity and civility. '' Any action against this oath is misconduct and actionable per se.
Product: Credit reporting or other personal consumer reports

In order to REMIND the Equifax and XXXX Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax and XXXX Credit Bureaus MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. This item was disputed previously and was removed from credit bureaus but Then was reinserted. This was an account which was opened in my name. I disputed the information a few times since being reinserted and sent over my affidavit of information regarding the dispute in question. In accordance with the FCRA they are supposed to block this item from my credit in which they have not. They are still reflecting on XXXX and Equifax. The other bureau XXXX has already removed the item in question and updated their system. XXXX and Equifax is giving me a hard time and i take this matter seriously as they are going against the FCRA. I request this item off as it is hindering my credit worthiness and do not belong to me. I also submitted documentation that support my complaint, where the other bureau XXXX it was removed. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX : XX/XX/XXXX Re : XXXX. XXXX XXXX XXXX ACCOUNT # XXXX in the Amount of {$3900.00} XXXX. XXXX XXXX XXXX ACCOUNT # XXXX in the Amount of {$3700.00} To Whom It May Concern This is about consumer credit transaction entered with XXXX XXXX XXXXXXXX XXXX dated about XX/XX/XXXX and I extended your organization the credit for the account number XXXX and XXXX. 

I hereby give your company XXXX XXXX XXXXXXXX XXXX notice pursuant to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didnt even inform me about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement. 

According to 15 USC 1602 ( k ), adequate notice means a printed notice to a card holder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above mention section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) A consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made an uninformed decision and it is resulted in multiple billing errors, and unfair credit card practices. 
From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. 
XXXX. Accounts deleted from All consumer credit reporting agencies 2. Monetary relief for recent denial of mortgage loan due to this billing error from XXXX XXXX XXXXXXXX XXXX. ( See attachments ) in XXXX of {$10000.00} XXXX. Return all monies ever paid on these accounts. 
XXXX. XXXX XXXX XXXX ACCOUNT # XXXX in the Amount of {$3900.00} HAS REAPPEARED ON EXPERIAN PLEASE DELETE FROM ALL CREDIT REPORTING AGENCIES. 
XXXX. My credit score has plummeted XXXX points and this is a classic case of DEFAMATION OF CHARACTER. 


If you accept my request, I will not escalate this matter to federal court. In case, you dont accept the above request, a legal action shall be taken against your company for Compensatory damages. 



Thank you, XXXX XXXX XXXX
Product: Checking or savings account

I have had a personal account with Wells Fargo for several years. On XX/XX/XXXX, I deposited a business check from my company account into my Wells Fargo account for {$1500.00}. 

On XX/XX/XXXX, I received an emailed notice from Wells Fargo that they were releasing about {$220.00} of the deposited fund, and holding the rest for XXXX days until XX/XX/XXXX. 

On XX/XX/XXXX, I received a further emailed notice from Wells Fargo that they were extending the hold to the entire deposited amount, and adding XXXX more days to the hold until XX/XX/XXXX. 

The deposited item paid through my business account the night of XX/XX/XXXX. 

Wells Fargo will not release the hold, and the funds are not available. 

Wells Fargo tells me that this hold is " for my protection ''. They will not even consider checking to see whether the funds have been received by Wells Fargo. No customer service person online, over the phone or in person will assist me.