23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I want to start off by stating that I appreciate security in this day and age. Also that is isnt that I want or expect anything out of the ordinary. Initially, receiving a pre-approval for an American Express credit card was a moment of immense excitement for me. It represented not just a financial tool, but a lifeline during a challenging time. Everything started smoothly - I even requested additional cards without issue. The problems began when an alert for unusual activity was triggered due to my brother, an authorized user, linking his XXXX to the card. In an attempt to resolve this, I contacted customer service but unfortunately failed the authentication process. This was partly due to having the representative on mute as I was in a public place. Following this, I was directed to use XXXX for identity verification. Despite my comfort with technology, this process was fraught with difficulties, taking three days of back-and-forth communication and ultimately ending in another failure. The emotional toll of this experience has been overwhelming. My account is currently frozen, and I am faced with additional contingent steps. Despite the fact that my home address, listed on my driver 's license, matches all the cards ' addresses and there has been no unusual activity or transactions, the resolution seems distant. I understand the need for security measures, but the lack of flexibility and understanding in my situation is disheartening. I intend to fulfill my financial obligations and pay what I owe. However, it is crucial to highlight the emotional rollercoaster this process has been, especially for someone with limited credit history. My experience with American Express has been far from what I expected, and I believe it's important for potential customers, particularly those new to credit, to be aware of these potential challenges. I hope that this complaint will be taken seriously and that American Express will review and improve their customer verification processes and customer service approach.
Product: Credit reporting or other personal consumer reports

I would like these account to be remove so my credit report can report accurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ) I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section 605B of the fair credit reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX of birth XX/XX/XXXX Last XXXX : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XX/XX/XXXX Re : Disputing error [ XXXX ] on credit report To whom it may concern I am writing to request a correction of the following information that appears on my [ XXXX, Experian, XXXX ] consumer report : I find these accounts listed to be in violation of the FAIR Credit REPORTING ACT and in violation of my privacy and consumer rights and confidentiality under 15 USC 1861.

Dispute 1 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX My account were compromised from XXXX til about XXXX XXXX Explanation of item being disputed : from XX/XX/XXXX until about XXXX XXXX XXXX, I was a victim of identity theft while in the XXXX and XXXX for long term care. 
o The report shows I currently owe money to your company that I have already repaid. 
o The date of first delinquency on my report is not accurate. I have not have access to the accounts since XX/XX/XXXX o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely,
Product: Checking or savings account

My account has been locked by XXXX. They locked it over some netspend cards that supposedly bought years ago. I was not notified in writing about any outstanding balances that needed to be paid or any warnings that if not paid my account would be locked. I am not even sure the accounts are mine. I have called several times and I continue to get the same answer that when I agree to pay, my account will be unlocked. I went ahead and agreed to pay but I'm still waiting for any change. I have been told by several representatives to wait 24 hours for change. The supervisor claimed to send an email to the " recovery department '', that doesn't have a phone number and can't be contacted by anyone in the company, stating this was an emergency and needed to be escalated. It has now been 24 hours and I spoke to XXXX in the disputes department and she said I should wait longer but there is no guarantee. I stated " this can't be legal and that I plan to call an attorney '' XXXX stated they respected my decision. I am filing a formal complaint because I feel this is fraud and something should be done about this company!
Product: Credit card

On XX/XX/2024, at XXXX XXXX  I received a text alert from Ally Credit Card about suspicious activity on my credit card. I was asked if I made the purchases, and I responded XXXX ( no ) the charges included XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX {$600.00}. After the alert, I attempted to contact at the number provided, but customer service was unavailable ( weekend ). 

I followed up on Monday, XX/XX/2024, and with someone in the fraud department and advised of the situation. I was told that these charges would be investigated, and my card would be canceled ( # XXXX } and replaced with a new one ( # XXXX ). After a few days those aforementioned charges were removed and sometime later, I received a new card. 
However, after reviewing my statement for the month of XXXX, noticed another XXXX charge in the amount of {$550.00} which was made on XX/XX/2024. I contacted the fraud department on four different dates, and I was told on the first and second call that the case is being investigated and it should be resolved within 30 days. I advised that I was concerned about the interest that would accrue as well as the effect on my credit score. I was told that interest would be removed when the case is investigated. I asked for a claim number and was not given one. 

I called back on XX/XX/2024 and spoke with XXXX and she said they had 90 days to resolve it. I asked for a copy of this disclosure she was reading from and a supervisor and was given neither. She did not assist, only stated that she would look into it. I asked for a call back and she refused. I advised her that this charge was likely a part of the original fraud claim. She did not agree or disagree. I called back on XX/XX/2024, and spoke with XXXX and she did not provide any assistance or new information. 

On the same day, I was told by a customer service representative ( not in the fraud department ) that there were no notes or reference number related to my claim. However, she kindly stated that she would add notes.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent US {$4100.00} to an account thru XXXX initiated from my XXXX account, where I have sent money to this XXXX account several times. I was since not advised that the Beth Page Federal Credit Union bank account receiving this amount was since closed. I have been given the run around by XXXX and XXXX saying to contact the other to recover the {$4100.00}. Beth Page has also been copied. It's been 3 weeks and no one has bothered to pick up the phone and contact me to resolve this issue. Just yesterday in responding to the XXXX CFPB complaint, XXXX relayed for the first time that BETH PAGE HAS MY FUNDS. Why it took a CFPB filing for XXXX to provide this information is appalling. 

XXXX XXXX contact information, the intended XXXX recipient, is XXXX cell. XXXX 's closed Beth Page Account Number is XXXX.
Product: Credit card or prepaid card

XXXX XX/XX/2023, I contacted Capital One about an automated payment that I needed to change dated for that day as there had been fraud on my account. The representative, named XXXX, stated that she couldnt make any changes to the payment as it was the date of the payment. I was told to make an additional payment from another payment source and told that if I received a return payment or past due fee on my next monthly statement to call in and it would be credited. 

Today after XXXX representatives I was told by supervisor XXXX XXXX employee number XXXX that they would not be able to do this as another capital one account had already used my XXXX time courtesy waiver. She refused to refund the fee. She refused to transfer me to anyone else.
Product: Student loan

Hi - I got a student loan from Nelnet to attend XXXX. As I was an XXXX XXXX, XXXX set up a XXXX in order to secure the loan. In spite of this, I always received the form XXXX XXXX so that I can file this in my annual tax returns. Recently XXXX took over my XXXX, and without really informing me of anything, are now saying that since they do n't have my original SSN on record, they will not give me my XXXX XXXX form ( even with the XXXX SSN ). I immediately sent them a scanned copy of my SSN, but they now say it 's too late. Since I was never informed of this change, and only now am told it 's too late, I am filing a complaint as I stand to lose XXXX hundred dollars in this arbitrary process change.
Product: Credit card

Notified Bank of America of pending fraudulent charges XXXX on my XXXX card Notified bank and cancelled card Bank denied disputed charges claimed they were made from a verified device... 

XXXXXXXX XXXX All made on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX XXXX NY XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX NY, XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX I request that my current address be updated accordingly. 

XXXX. XXXX XXXX : The phone number listed on my credit report, XXXX, is no longer in use. I request that my new phone number, XXXX, be updated as my primary contact number. 

XXXX. Employer : My current job is XXXX XXXX. 

XXXX. My birthday is XX/XX/year> I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license, Social Security or passport displaying my correct name. 
A recent XXXX or bank statement showing my current address. 


Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. Thank you for your cooperation. 

Sincerely,
Product: Vehicle loan or lease

The company Santander keeps harassing me for a vehicle I turned in in XXXX for unfair business practices. they were raising the balance and keeping it the same price for over a year. The company XXXX  XXXX XXXX hid the percentage till I signed the contract claiming they were helping me out, but screwing me with a 29 % interest rate. I was paying on time and more in the beginning but the balance didn't change. Which was stressful throughout the years, I voluntarily returned the vehicle to the company, which sold it for {$4000.00}, and still tried to charge me {$10000.00} after I had made over {$8500.00} in payments during the time I had the car. That's why I thought it was unfair, late payment or not the balance shouldn't be the same from the beginning. I think and feel this business practice should be illegal as a form of oppression in keeping innocent citizen who wants to fix their credit in debt. I will see through my paperwork if I still have the original contract, back in XXXX to show how much I paid initially but none of it was applied to the debt. Which was the first sign of fraud to me. I would like someone to investigate every company that was involved, and how many customers suffered the same problems with these three companies. 


My XXXX XXXX XXXX # XXXX The company is Santander Consumer USA and the Debt collector who revived the case is XXXX XXXX XXXX. 
XXXX the company that initializes this loan XXXX XXXXXXXX XXXX and the Car initial Price was {$13000.00}
Product: Mortgage

I am filing a complaint against Bank of America ( BOA ) due to their failure to maintain a foreclosed condo property located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, SC. 

THE ISSUE : BOA has owned this property for over a year and has failed to protect the exterior door openings from water intrusion after repeated requests by XXXX XXXX XXXX attorney. Water has entered our building and flooded units below the unit owned by BOA. BOA has failed to reimburse our small building for this damage after successfully filing a lien on their unit. BOA has failed to make any repairs to the building to prevent future damage leaving one door, facing the ocean, with deteriorated plywood. This property is a blight on our building and our community. 

Additionally, BOA 's inaction has also caused rot to common area building components and wood wall structures which are owned by the XXXX XXXX XXXX. There are seven door units that face the ocean in the BOA condo and are the responsibility of BOA according to our Master Deed. All seven doors are not compliant with XXXX XXXX building code. XXXX XXXX XXXX has repeatedly asked that these doors be replaced with doors that meet the building code as required by XXXX XXXX XXXX 's Master Deed. 

COMMUNICATION : BOA assigned this case to a local XXXX XXXX attorney ( XXXX XXXX, XXXX ) which has evaded our repeated demands for repair. At one point, BOA agreed to make repairs but subsequently missed the deadline they agreed to in writing. To date, I am not aware of BOA making any significant steps to even conduct preliminary due diligence which would be required prior to any repairs due to the repairs now being so significant. 

SUMMARY : The actions of BOA are disturbing and beyond comprehension. BOA has ignored not only how these needed repairs are inhibiting their own ability to sell their unit but also completely ignoring the impact to their neighbors. They also are causing a negative financial impact to owners which are not able to rent their units or are forced to rent units for less money as beach goers choose to stay in buildings without old deteriorated plywood on doors visible to the street and beach. 

Please help the XXXX XXXX XXXX and ask Bank of America to replace the doors and stop hurting the other owners in our building. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX never been late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account The accounts above have been listed on my credit incorrect. The accounts have been reported to the Federal Trade Commission ( FTC ) as a result of identity theft, and I am formally notifying you that these accounts was opened fraudulently and is not my responsibility. I did not authorize or open the accounts and I have taken steps to resolve this matter, including filing an identity theft report with the FTC and law enforcement. Under 15 U.S.C 1681 c-2, the Fair Credit Reporting Act ( FRCA ) provides that if a consumer reports fraudulent activity, they are entitled to a prompt and fair investigation and any fraudulent information must be removed from their credit reports. As I have filed a formal identity theft report. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX : As I already reported via telephone and in writining, I am the victim of identity theft AND OR DATA BREACH FROM THREE COMPANYS. I am writing to dispute I am a victim of identity theft, and I did not make these chsrges. I am requesting that the these accounts be removed/DELETED that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

ADDRESS NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ACCOUNTS TO BE REMOVED : XXXXXXXX XXXX XXXX XXXX- ACCT XXXX XXXX XXXX. {$44000.00} XXXX XXXX- # XXXX BAL. {$15000.00} XXXX XXXX  XXXX ACCT XXXX XXXX BAL. {$24.00} XXXX ACCT # XXXX BAL. {$33000.00} XXXX XXXX  XXXX  # XXXX BAL. {$2500.00} XXXX XXXX  XXXXXXXX XXXX- ACCT XXXX XXXX BAL. {$28000.00} XXXX XXXX  XXXX XXXX XXXX XXXX BAL. {$3500.00} XXXX XXXX- ACCT # XXXX BAL. {$12000.00} XXXX XXXX  XXXX ACCT # XXXX BAL. {$1300.00} XXXX. XXXX XXXX- ACCT # XXXX BAL. {$260.00} XXXX. XXXX XXXX- ACCT # XXXX BAL. {$2600.00} Pursuant to federal law, I am requesting that you remove all accounts/delelte from all my credit reports.

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I am a XXXX of XXXX XXXX. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute several hard inquiries on my credit report. According to my credit report, there have been several hard inquiries made by various lenders over the past few months that have negatively impacted my credit score.

I understand that lenders have the right to request my credit report as part of their lending process, but I believe that these inquiries were made without my consent or authorization. I have not applied for any credit or loans during this time period and have no knowledge of any lenders or financial institutions conducting a credit check on me.

As you are aware, hard inquiries can stay on a credit report for up to two years and can have a negative impact on my credit score, which can affect my ability to obtain credit in the future. Therefore, I am requesting that these hard inquiries be removed from my credit report immediately. 

I have already contacted the credit reporting agencies and disputed these inquiries, but I have not received a satisfactory response. I am hoping that your organization can assist me in resolving this matter as soon as possible. 

My credit report clearly shows the unauthorized hard inquiries from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please let me know if you require any further information or documentation from me to resolve this matter. 

Thank you for your assistance in this matter. I look forward to hearing from you soon. 

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

i never got my money from the settlement also they closed all my avenues off from viewing my credit report. the last one i seen had the wrong information on it
Product: Money transfer, virtual currency, or money service

I invested to XXXX XXXX XXXX  ( XXXX XXXX XXXX ) on the XXXX 's online platform under the environment provided by Trust Wallet at the persistent recommendation of XXXX, an employee of XXXX XXXX, from the beginning of XX/XX/year> to XXXX. On XXXX, XXXX, in transaction under XXXX XXXX supervision and direction I lost total about XXXX. All of my money of XXXX disappeared and caused an additional loss of about XXXX. I think that XXXX negotiated with XXXX XXXX and manipulated transaction with me on XXXX 's online platform, causing tremendous losses. I strongly protested to XXXX and XXXX XXXX that this transaction is a fraud in which XXXX and XXXX conspired to take away my money ( XXXX ). However, they said that they are not responsible for anything and are blaming me. Please help me get my money back from XXXX and XXXX. 
- Amount that was taken by XXXX and XXXX : XXXX. 
- I asked Trust Wallet to investigate this case and cooperate to get my money back, but there is no answer.