23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/year> Re : American Express Credit Cards, I am a XXXX XXXX XXXX, semi-retired XXXX. I have carried an American Express card for some 41 years. I have always been loyal to the brand throughout that time and had an exemplary record of payments and interactions. I felt that American Express 'Had my back ' throughout that time. Yesterday I received an email notice from Amex that my account had been CANCELED. I have always made payments on time and significantly higher than required. To my knowledge, there were no issues that could have prompted this action. I feel betrayed. I feel that American Express has no regard for my loyalty, and further, has no respect for my age ( XXXX ). I spent more than 4 hours on the phone and on hold only to be disconnected when required 'team ' member picked up. When I called back, I was told that I would have to be re-connected to the 'special team ' for resolution but that their 'system ' was down and it would be another extended wait. I opted to use online chat and asked to be connected to the relevant " team ''. I was told to call back. In late XXXX of this year, I was notified by American Express, that another fraudulent payment had posted to my account, for {$9000.00}. I immediately chatted with Amex rep, since it was after hours, and was told to call back in the morning, which I did. After spending several hours on the phone with no less than 6 employees, I was told that the issue would be investigated and resolved. I intend to pursue these unexpected and unreasonable action on the part of American Express in any manner possible including social networks, government agencies, and potential legal actions of age discrimination. Your prompt and diligent effort are appreciated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB, XXXX, XXXX XXXX XXXX
Product: Debt collection

Company ... IC SYSTEM INNACCURATELY reported to XXXX XXXX on XXXX XXXX, 2015. They VIOLATED my FCRA rights. This account was part of a Chapter XXXX Bankruptcy and THE OTHER VIOLATION OF MY RIGHTS is that THEY NEVER informed me of the new reporting. It is ILLEGAL for IC SYSTEMS to report to XXXX XXXX on an old account over XXXX years ago as a new account and it was a BK involvement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TO GET MY CREDIT REPORT UPDATED PROPERLY!! 
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX please delete any other addresses that appear on my report the are fraudulent. Delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these numbers the are not mine not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Mortgage

Ive not worked since XX/XX/year> for multiple medical / health issues which allowed an approval for a long term XXXX claim. I submitted an application to Freedom Mortgage for a loan forbearance which was denied. However Freedom Mortgage advised me that I was approved for the USDA XXXXXXXX XXXX XXXX. After never receiving any information on the USDA XXXX I contacted USDA directly via email and received a response saying that Freedom Mortgage was responsible for providing me with the XXXX Claim Form and filing said form. Since then Ive made multiple attempts to obtain the XXXX Claim form from Freedom Mortgage without success, XXXX my long term XXXX benefits have been illegally cancelled and im being represented by legal counsel. My attorneys are aggressively working with getting my long term XXXX benefits reinstated ASAP. 

Ive attached the Freedom Mortgage Assistance denial letter, email conversations, Long Term XXXX Cancellation Letter and Formal Help Letter from my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / 90 DAYS LATE 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

I was completely taken aback this morning when I saw inaccurate accounts on my credit report, and I have no idea how they got there. I checked my report like I always do, but this time, out of nowhere, there were errors. I even tried refreshing my browser, hoping it was just a glitch, but the inaccuracies stayed. Im really shaken by this, and Im asking for the documents I've sent to be thoroughly reviewed so I can finally have peace of mind.
Product: Money transfer, virtual currency, or money service

I have an PayPal credit account I which I started back in XX/XX/XXXX. I purchased 4 coats from XXXX totaling {$300.00} to {$400.00} dollars well they have an money back guarantee and so does PayPal in other words if your unable to get your monies back from ebay you can then reach out to PayPal and they would start an claim. I went back and forth with the seller on eBay and just decided to start a claim. I was advices by PayPal to returned all three items that was sent to me and once shipped I sent proof of shipping and tracking to XXXX the sellers as well as PayPal as instructed. I had to pay {$52.00} each for two of the coats that totals {$100.00} that the seller suppose refund as well and {$35.00} for the third with a promise to receive all shipping fees once items has been received This all happened back in XX/XX/XXXX so now being it was shipped back to XXXX somewhere and the COVID happened Ive been trying to track my packages that I shipped back and been trying contact eBay and PayPal for assistance but could never reach anyone. So its XX/XX/XXXX I finally get to speak to someone at PayPal for them to tell me they dont see the transaction in my account but I still a balance that I have to pay for the 3coats no monies have been returned to my account and I know they received their items. So I dont what to do because Ive been paying off my account for a year and the balance is still the same. Ive paid {$140.00} last month and no lower balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$350.00} XXXX XXXX XXXX {$600.00} XXXX/XXXX  XXXX {$390.00} XXXX/XXXX  XXXX {$1600.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$350.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$390.00} XXXX  XXXX  XXXX {$170.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX  XXXX {$400.00} CHAPTER XXXX BANKRUPTCY XXXX
Product: Credit card or prepaid card

I was speaking with the XXXX XXXX, extension XXXX, on X/XX/2017 to review a call I had with customer service to close the account. <P/>I said that I was never told about in interest charge that I would be charged after closing my account. <P/>I waited almost 40 days for a call back from XXXX. In that time, I left her 4 voicemails. <P/>She finally called back today, and confirmed that she was on vacation but did not set any kind of vacation away message on her voicemail because a colleague was supposed to check her voicemail but never did. <P/>In that 40 days, I got a negative posting on my credit, waiting for a call back from someone who left for vacation. <P/>I was never advised to pay off a balance while waiting for a call back or anything like that.
Product: Credit card or prepaid card

On Monday XX/XX/XXXX I submitted a dispute to my apple credit card company Goldman Sachs Bank, for a flight that was purchased from XXXX XXXX to XXXX XXXX for the date of XX/XX/XXXX of 2022. Because of COVID restrictions the country of XXXX was not allowing XXXX American Citizens or residents into the country, therefore I had to cancel the flight with a total cost of XXXX. When I tried to cancel the airline was not willing to provide me a full refund for this matter. So I turned to my credit card company to file a dispute. Since the credit card company took too long in the dispute process the time of travel passed and the airline denied me a refund, calming the tickets were issued, But my family and I Never traveled. So now there is a XXXX charge on my credit card for a flight that I did not take and could have not taken due to Covid-19 restrictions. After being denied the dispute I reached out to the credit card company again for help and they denied me any more help. All they did was open up two more disputes that resulted in the same final decision that they would not refund me the money.
Product: Credit card

Chase Visa failed to investigate many identified as unauthorized charges. As they failed to do so once reported they miss the timeline to be eligible to file a chargeback with Visa. Strangely they credit some while putting others ( even from the same vendor ) as valid as the merchant was under obligation to provide any documentation to support the charges ( this is patenly false ; they were notified ). I never requested a sales draft. I notified them of unauthorized activity
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, Google decommissioned their GPay app and merged most of the functionality into the Wallet app. Any balance remaining in GPay can only be transferred out via their website. When I attempted to do this, I was told that transfers out are now limited to {$200.00} in a rolling 7-day period. This restriction did not previously exist. Their official response when I contacted them stated this " As of XX/XX/year>, the U.S. version of the Google Pay app will no longer be available for use. While we recognize that this change may be inconvenient for some users, please be assured that it does not impact the services provided by Google Wallet. '' This is a factually incorrect statement as one of the services provided by Google Wallet, i.e. balance transfer, is now restricted. I was not informed of this change in functionality prior to this point in time and I did not agree to any new usage agreement for these new terms. As it is, Google is functionally holding my money hostage for a minimum of the 5 weeks it will take to transfer the balance out. I was recently XXXX and need these funds to pay my XXXXl bills so waiting is not an option.
Product: Credit reporting or other personal consumer reports

I have discovered several unauthorized inquiries from companies I am not familiar with and did give permission to pull my credit profile. I have asked for these items to be removed and still they remain. I recently received a letter from Equifax stating that the false information would not be removed from my report. I am submitting the same information for the second time be removed and information about the investigative process used when reviewing my request.
Product: Payday loan, title loan, personal loan, or advance loan

I was approved for a loan from SAIL Loans for {$2000.00}. They only gave me {$500.00}, said they put {$1500.00} in a savings that I will receive once a pay off the loan. However, they charge interest on a {$2000.00} loan, not {$500.00}. I'm paying interest on money never received.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX  XXXX : {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Mortgage

XXXX months ago we submitted a complaint against Nationstar ( case number : XXXX ). They claimed we missed a payment that was automatically withdrawn from our bank account. We provided bank statements to prove the mortgage was paid and with your help, they acknowledged it was their error. 

Last month we got another email saying we missed a mortgage payment. When we called them up and told them CFPB had helped resolve this issue they said it would be fixed. 

Now I got another email telling me we have n't made our mortgage payment!
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/2020 when checking credit report XXXX has reappeared on credit. report. Please remove now this account was reported as fraud and successfully removed back in XX/XX/2020. This account was not opened in my name and was removed from my account when the fraud alert was removed the account has reappeared.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I recently had multiple issues with Apple Card at Goldman Sachs. They are still posting payments late and blaming customers. After your $ XXXX settlement with them, they have treated customers worse and reported me late when they even said it was a mistake and 60 days later blamed it on me. XXXX XXXX and XXXX XXXX work at Goldman Sachs and I think they are incompetent and discriminated against my XXXX XXXXXXXX. I hope you fix this as I don't think this is fair. 

XXXX XXXX - XXXX
Product: Checking or savings account

I filed a dispute with SofI XX/XX/XXXX in regards to my card being fraudulent used at XXXX XXXX. SoFi denied the dispute. I reached out to XXXX and XXXX stated they did not deny the dispute and the transaction was fraudulent. SoFI has yet to provide any follow up or explanation on how to appeal the dispute denial :
Product: Checking or savings account

I requested my account be closed XXXX XX/XX/2023 i called bank of america because i noticed my job did not change my direct deposit information and the funds were sent to the bank of america account . bank of america told me that because i requested the account to be closed i can not access the funds because there is a credits only status. they will not remove the credits only status on the account and i was told no one can help me. they told me i would be without funds for the next 10 business days until the account actually closes. then after that i would have to wait another 10 business days in order to receive the check with the funds. The representative i spoke with did not tell me that my account would be on a credits only status for the next 10 business days once i requested the account closure. now i am unable to pay bills, be financially stable, or financially free for the next month. No one at bank of america will help me. i asked the rep for corporate details and i was not provided the information she told me go to a branch to get it. ive spoken with 4 representatives and no one can give me the name or the number to the person who had the authority to release my funds!
Product: Credit reporting or other personal consumer reports

The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account : XXXX XXXX : Account # XXXX : Balance : {$1300.00} Fraudulent Account : XXXXXXXX XXXX XXXX : Account # XXXX : Balance : {$890.00} Fraudulent Account : State Employees : Account # XXXX : Balance : {$4200.00} Fraudulent Account : XXXX XXXX  : Account # XXXX : Balance : {$4700.00} Fraudulent Account : XXXX XXXX  : Account # XXXX : Balance : {$4400.00} It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit & Other documents. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.
Product: Debt collection

There is a medical collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

First Federal Credit Accnt # : XXXX Opened : XX/XX/2023 Balance : {$1400.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.