23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello CFPB, On XX/XX/20 I spoke with America Express Customer service in regards to my Bill Auto pay. At the time we updated my auto pay billing account number. The rep stated that it was all done and to expect email confirmation. After I received the email confirmation the customer service rep and I finished the conversation and moved on to my second American express account where she updated the same account details aforementioned. As a surprise on XX/XX/20 I received an email from American express stating the below : Important Account Status Notice of Account Cancellation Your Account ending in XXXX Log in to Manage Your Account Online Dear XXXX XXXX XXXX : We are contacting you to be sure you do not have any surprises when you try to use your card. We wanted to let you know we have had to make the decision to close your account listed above. 

Please tell any Additional Card Members on this account of this change so they do not have an unexpected inconvenience when attempting to use the Card.

You should also destroy the card ( s ) and any convenience checks you may have for the account ( s ). 
If you have any recurring charges on these accounts such as cell phone charges, please contact that company immediately to ensure your other bills do not go unpaid. 
You will also receive this information by letter, but we wanted to be sure you were aware of this change as soon as possible. 

Sincerely, AmericanExpressAccount Services View Our Privacy Statement | Add Us to Your Address Book This is a customer service e-mail fromAmericanExpress. Using the spam/junk mail function may not block servicing messages from being sent to your email account. To learn more about e-mail security or report a suspicious e-mail, please visit us atamericanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us securely viaCustomer Care.

2020AmericanExpress. All rights reserved. 

I contacted American Express to express my frustration in regards to their decision, after, I updated my account details they cancelled my account even though I showed my intentions to continue to pay my balance by updating my bank auto pay information. I don't believe is fair to me as a customer to have to pay the balance without the benefits of having the account anymore and the negative impact that it will cause to my credit score once this account is reported to the credit Bureau. I am asking for the creditor to evaluate my account and attempt to reinstate it as I believe is the most logical thing to-do at this point.
Product: Money transfer, virtual currency, or money service

I would not usually complain but enough is enough, this company needs to be held accountable for their actions. It is not the first time my money has been messed around with by this awful organisation. On this instance : XXXX XXXX from Coinbase : A  withdrawal of XXXX ( + XXXX banking fee ) has been initiated. XXXX will arrive in your bank account by XXXX XXXX, XXXX. XXXX XXXX : still no money in my account. Numerous attempts to contact Coinbase 'Support ' have been in vain in the past, you just never receive a reply to your case ; if you do it is from a templated auto-response several days later. They do not have a telephone support option so you feel as though they are hiding from giving answers. They can not be allowed to continue operating in this manner, they have enormous funding and charge exorbitant fees, they can afford to hire a support team. Playing with peoples ' finances is not acceptable. Some examples of horrendous service can be shown in their ( heavily ignored/neglected ) community page : https : XXXX
Product: Credit reporting or other personal consumer reports

My M & T Bank Credit Card is listed with the Credit Bureaus without a status, limit, balance, or payment history. I filed a dispute with XXXX and they closed the dispute stating that the company had updated the account ; however, nothing has changed.
Product: Checking or savings account

I would like to file a complaint against navy credit union for all the over draft fees I have incurred.despite of having sufficient funds when transaction were authorized. I was charge fee due to lagged posting of charges and credits.This issue align with with the recent CFPB findings against navy federal for similar practices, where transactions settle for insufficient balances despite initially available funds. I believe that these practice are unfair request a investigation into my account transaction.
Product: Mortgage

Claims to have not received a payment but I have clear bank proof of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

I'm still disputing this account after receiving a word document which provided me a view in over billing duplicate codes and no records of insurance funds being received but this office billed. This is inaccurate and I would like to get this resolved ASAP This debt is not valid and I dispute this and a word print out provided doesn't make any sense at all. I had insurance and your states you never received any insurance funds as your records show you billed the insurance two months after the visit. I would like to see the signed authorization, details on the insurance billing. It also appears I was overcharged for code XXXX XXXX XXXX  XXXX and code XXXX XXXX XXXX {$85.00} why would I have been billed twice for these. This is inaccurate information
Product: Vehicle loan or lease

For the past year and a half ( since, at least, XXXX XXXX ), as a result of employment changing and employment termination, as well as facing a chronic, life-threatening illness and fluctuating health insurance marketplace tumult, my finances deteriorated. Throughout my financial decline, I remained communicative and agreeable to any and all amendments to my payment schedules with every and all creditor, specifically SANTANDER CONSUMER USA, the lien holder on my once-leased XXXX XXXX XXXX XXXX, original, manual transmission with little to no resale value according XXXX ( XXXX ). At the beginning of XXXX XXXX, I received written correspondence via post ( XXXX/XXXX/XXXX ), re : Notice of Right to Cure Default. In response, I crafted letters re : modifying my contract, faxed and mailed on or about XXXX/XXXX/XXXX. In addition, I spoke to multiple Santander Consumer USA representatives, some alleging to be from the office of the president. I have repeatedly attempted to mitigate any and all past due payments, in addition to forthcoming on-time payments to Santander Consumer USA. In regard to any consumer assistance or attention to the matter, I received no response. XXXX, XXXX/XXXX/XXXX, approximately XXXX, the vehicle was repossessed without notice. On XXXX/XXXX/XXXX, I received a letter shipped XXXX/XXXX/XXXX via XXXX ( XXXX Overnight ), dated XXXX/XXXX/XXXX, denying my request ( emailed XXXX/XXXX/XXXX ) of Santander Consumer USA representative XXXX XXXX ( by proxy XXXX XXXX ) to modify or renegotiate [ my ] contract with certain specifications. In the same letter ( received after the vehicle was repossessed by Santander Consumer USA ), I had been advised if [ I ] choose to voluntarily surrender my vehicle, [ I ] may give [ Santander Consumer USA ] a call so that [ Santander Consumer USA ] may assist.  On XXXX/XXXX/XXXX, I initiated contact by phone with a Santander Consumer USA representative who ( although useless ) confirmed my vehicle was repossessed devoid of communication and return of my personal property ( ie. 1 ( ONE ) laptop computer, 1 ( ONE ) XXXX XXXX XXXX XXXX and other incidentals ) was non-negotiable, as the useless representative refused to give me the information substantive to retrieving my ( now, seemingly, stolen ) personal property. At the very least, the actions taken by Santander Consumer USA and its representatives are flagrant examples of disregard for consumer assistance, satisfaction and response/respect and ability to accommodate consumer needs and Lessor obligations. More egregiously, Santander Consumer USA appears to have seriously violated consumer  compliance and contract laws, as well as violating consumer protection laws, in addition to false and/or misrepresentation of facts and claims regarding this account.
Product: Credit card

On XX/XX/year>XXXX XXXX  charged me {$14.00} for services they did not provide. 
After XXXX I failed to contact XXXXXXXX XXXX supervisor as they are a foreign company, I disputed the amount with Discover. Discover ruled in XXXXXXXX XXXX favor and charged me {$14.00} again on XX/XX/year>. However, XXXX contacted me on XX/XX/year>, apologized for the issue and refunded the {$14.00} to my Discover ending XXXX. I provided all the refund details and proof to Discover regarding the refund. However, Discover continues to harass me that proof is not enough and tells me to harassing XXXX for same proof over and again of which XXXX is also confused. Discover is asking me to ask XXXX to give me money in some other way. This is illegal and fraudulent. Discover either stole my refunded money or lost it. Please ask them to find my {$14.00} and credit it to my account appropriately. 

Refund Details : Please find details of the refund below : XXXX XXXX XXXX Refund Date - XXXX XX/XX/year> Refund amount- {$14.00} Transaction ID : XXXX Refund reference ID : XXXX All documents are attached. 

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

My name is XXXX XXXX and I keep keeping a XXXX collections put back on my credit in the name of XXXX XXXX. I keep having it removed and it is placed back on my credit without my consent. XXXX XXXX XXXX is currently reporting it to Equifax for {$1200.00} even after I have won my dispute. I have contacted XXXX twice to resolve the name issue and XXXX XXXX  once.
Product: Credit reporting or other personal consumer reports

Certainly, you can include the specific details in the dispute letter. Here 's an updated section to include the unauthorized inquiries you mentioned : " " Dear TransUnion, I am writing to formally dispute several inquiries on my credit report that I believe are unauthorized. Upon reviewing my credit report, I noticed the following unauthorized inquiries : 1. Inquiry Date : XX/XX/ Creditor : XXXX XXXX ( Finance ) 2. Inquiry Date : XXXX XXXX XXXX  Creditor : XXXX XXXX ( Auto ) 3. Inquiry Date : XXXX XXXX XXXX Creditor : XXXX XXXX XXXXI ( Finance ) 4. Inquiry Date : XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX ( Finance ) 5. Inquiry Date : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ( Bank ) 6. Inquiry Date XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX ( Auto ) I have not initiated any business transactions with the aforementioned creditors on the mentioned dates. As a result, I request that TransUnion conduct a thorough investigation into these inquiries and provide me with a written explanation of the findings. 
" " Feel free to incorporate this into the rest of your dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been facing difficulties in obtaining credit due to a previous fraud alert on my account. I contacted all three credit bureaus on XX/XX/2023 and requested them to remove the alert. However, when I applied for a line of credit with Capital One on XX/XX/2023, they rejected me by telephone conversation saying that they could not access my file. I called the bureaus again and they assured me that there was no problem with my account.
Product: Credit reporting or other personal consumer reports

I have reached out to this company First Access XXXXXXXX through XXXX XXXX XXXX XXXX several times. I have disputed this account several times. I have a recorded phone call with this company station that if I sent in supporting documents, they would remove the account from my credit and they have failed to do so. I emailed this company on XX/XX/XXXX and XX/XX/XXXX. I have sent over my FTC report, Police Report and my previous residential lease that clearly shows where I was living at the time this account was fraudulently opened. I have also requested this company to send me Hard, evidential proof that I opened this account and have yet to receive nothing but a letter stating that my claim was denied. No proof, no signatures, no hard evidence. Just a letter saying that the info provided on the application matches my personal info. Well, of course it does because they used my personal information to open the account. They also stated in the letter that the email address I contacted them from ( XXXX ) matches their records, which is indeed a blatant XXXX because I obtained that email address in XXXX and this account was opened in XXXX.
Product: Mortgage

I received several letters in the mail from JFQ Lending , Inc saying that I qualify for better refinance rates because XXXX XXXX eligibility. 

I did call them. They seem to be a broker that pairs you to lenders. 

They got my information and current loan information. 

They did offer me a slightly better rate about 0.5 % less than what I currently have. But the catch is that closing costs were $ XXXX on a $ XXXX loan. 

Closing costs above 5 % of the value of the loan. 

These people are taking advantage of unsophisticated individuals that are only focused on the mortgage rate and oversee huge closing costs Company name : JFQ Lending XXXX
Product: Credit reporting

On XXXX/XXXX/XXXX the IRS sent to XXXX and all of the Credit Bureaus the Form XXXX, Withdrawal of Files Notices of Federal Tax Lien, or Form XXXX, Withdrawal of Files Notice of XXXX XXXX XXXX after Released, at the recording office where they ( IRS ) had filed the notice of lien. I requested to XXXX to remove/delete those specific records ( Notice of Lien Serial Numbers : XXXX, XXXX ) and they responded with he following completed investigation : The Results Of Our ReinvestigationPublic Record Information ( This section includes public record items obtained from local, state and federal courts. ) XXXX We have reviewed the lien information. Case or ID # XXXX The results are : We have verified that this public record item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Filed XX/XX/XXXX ; XXXX XXXX XXXX Recorder ; Case or ID # XXXX ; Amount {$24000.00} ; XXXX XXXX ; Released XXXX ; Verified XX/XX/XXXXA ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX XXXX We have reviewed the lien information. Case or ID # XXXX The results are : We have verified that this public record item is reporting correctly. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXXLien Filed XXXX ; XXXX XXXX County Recorder ; Case or ID # XXXX ; Amount {$31000.00} ; XXXX XXXX ; Released XX/XX/XXXX ; Verified XXXXA ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX -- Please help me to resolve this matter with Equifax because it 's affecting my credit score and my personal life. Please find enclosed the IRS letter sent to me, Equifax and XXXX XXXX County Recorded agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an unauthorized credit inquiries listed below. I did not authorize these inquiries and am writing to formally dispute it, requesting that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good  XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good This account is paid in full.      XXXX  Last reported :  XXXX   XXXX ,  2017  {$7500.00} This account  is 7 years old an d should have been deleted.      XXXX   XXXX    XXXX   XXXX   Last reported :  XX/XX/XXXX    {$3000.00} In Collections/Charge-off
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXXXXXX {$470.00} XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX NAMES NOT RECOGNIZED XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I live in XXXX and I had a credit card with Chase, which I cancelled this summer ( I believe in XXXX or XXXX ) and paid off in full, as far as I knew. I remember that I called Chase and spoke to people on the phone to close a checkings, savings, and this credit card account, at which point I know I paid everything off, because that was the entire point of closing them -- my wife and I were consolidating our banking with XXXX. 

I recently got a notice that my credit score had dropped and then learned that Chase has been charging me late fees and interest on the card for months, so that I know have an outstanding balance of {$270.00}. In looking at my statement, it appears as though Chase, in XXXX, charged interest of {$130.00} on the previous balance AFTER I had paid the card off in XXXX, and then just kept charging late fees and more interest on top of that for months after the account was closed, without my knowing. I have received nothing from them formally notifying me of this outstanding balance, nor did the person I spoke to on the phone when I closed the account mention anything other than that it was paid off and closed in full. I 've only received generic 'Your statement is ready ' emails that make no mention of it, and which I viewed as spam since I had already closed the account. I paid off the balance just now so that the problem will go away ( hopefully ), but I also want to make sure it gets reported.
Product: Mortgage

On XX/XX/XXXX, thankfully I listened to my inner voice who said call TMS and confirm your 3-month COVID-19 extension until XX/XX/XXXX. So, I called, and I spoke to representative XXXX XXXX To my total shock and horror, the 3-month extension I had requested on XX/XX/XXXX @ XXXX had not been completed and processed. XXXX XXXX had to put me back into the forbearance plan for the extended period of three months which I had requested on XX/XX/XXXX and assured me that my loan and credit report would not be negatively impacted. By the way, my assigned Ally is XXXX XXXX but I have only spoken to her once as she is always unavailable. 

Again, to my horror I received a certified letter of default from TMS dated XX/XX/XXXX. I immediately called TMS and spoke to Ally, XXXX XXXX, who stated that due to system error, although the questions and answers were submitted correctly by XXXX XXXX. on XX/XX/XXXX, my request was not completed and TMS  system automatically removed me from forbearance plan thus generating a default letter. 

XXXX XXXX requested a COVID error request to review the late fee that was generated due to this system error and to correct my credit rating if impacted negatively. XXXX XXXX promised to call me on Friday, XX/XX/XXXX to confirm all updates have been made. XXXX XXXX also submitted a request for my extension confirmation letter to be emailed to me as I have not received it as of yet. She also stated confidently that I can disregard the default letter dated XX/XX/XXXX. Unfortunately, I dont feel any such confidence after this petrifying ordeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card online, was approved and sent a card. I then received notice that they had my ssn wrong. I mailed in the required form. I recently found out they also had my date of birth wrong. I sent in copies of my ssn card and driver 's license to verify. I just discovered today that my card was closed without notification. My credit report Is also wrong. I've also sent in driver 's license and ssn to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 Account names has violated my right. 
15 U.S.C 1681 section 602 A. States I have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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