23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

ln accordance with the Fair Credit Reporting act. 
The Accounts with XXXX XXXX XXXX ( ACCOUT NUMBER : XXXX ) AND The Account with XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. States : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

The situation is I been with this mortgage company Fay Servicing for years I filed bankruptcy in XXXX with my attorney but I didnt include my mortgage company in my XXXX XXXX I continue to pay during bankruptcy all the paperwork was given to XXXX on the discharge of bankruptcy then so my ex husband filed by himself in XXXX and it seems like their confusing his bankruptcy with mine because they wont disclose my loan account with me at all which is causing problems I cant even discuss my payments with cause problems with me being late and their charging me fees for stuff thats not my fault I had my bankruptcy attorney supply them letter of him not attorney and bankruptcy was discharged but they are still giving me problems I need help with this thanks.
Product: Checking or savings account

I have a bank account with Bank of America. I did not lose or gave my debit card to someone else, but somehow, someone else was able to obtain information on my debit card, including the pin and chip. This resulted in numerous fraudulent transactions/ ATM withdrawals that occurred between XX/XX/XXXX through XX/XX/XXXX. Below is the list of transactions : 1. {$100.00} ( XX/XX/XXXX ) 2. {$800.00} ( XX/XX/XXXX ) 3. {$380.00} ( XX/XX/XXXX ) 4. {$200.00} ( XX/XX/XXXX ) 5. {$600.00} ( XX/XX/XXXX ) 6. {$600.00} ( XX/XX/XXXX ) 7. {$1900.00} ( XX/XX/XXXX) 8. {$2.00} ( XX/XX/XXXX ) 9. {$640.00} ( XX/XX/XXXX ) I have filed a claim, made a fraud claim statement, and faxed a letter to the fraud claim department, requesting them to investigate these transactions and take a look at the camera surveillance. However, these sincere efforts did not result in the outcome desired as they were all denied. The reasoning provided by the bank fraud department was that the suspect had the pin and the chip and debit cards can not be duplicated and as such, they are unwilling to provide me with the refund.

I rarely make ATM withdrawals and if I were to plan on making such huge amount of withdrawals, I would go to the bank and withdraw it from a bank teller in one transaction rather than making multiple transactions. I put the maximum withdraw at the atm ( {$500.00} ). The fact that withdrawals are allowed to exceed this amount shows the lack of security from the side of Bank of America to allow the transactions to go through.

I am still persistent that I have no play in these transactions and that they are fraudulent and that Bank of America should look at the camera surveillance to verify that I was not the one making the transaction. As such, I am writing in hopes that I can have my tuition money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete this unconfirm inquiry lacking certifiable evidence unless physical certified verified proof is demonstrated per U.S code XXXX U.S.C $ XXXX SEQ. Section 604 of fair credit reporting act
Product: Mortgage

I was on the Hurricane Harvey Relief program thru Chase bank for roughly 9 months but when i came off of the program they are trying to double charge me for the month of XX/XX/2018.
Product: Credit card or prepaid card

In XX/XX/2022 I ordered a made to order cat tree from XXXX & XXXX in XXXX, FL for {$590.00} and paid for it with my credit card through Citizens Bank. A few months in I called Citizens to find out my options because I felt I wasn't going to get what I ordered. I was told by Citizens that all I had to do was file a claim. I filed a claim at the beginning of XX/XX/2022. It was denied because they said I waited too long. I contacted the office of the president explaining what happened and that I didn't feel it was right they denied my claim as I had called to ask what my options were and was told only to file a claim. There wasn't any timeframe mentioned. XXXX from the office of the president said she would call me back. She called this morning to let me know my claim was denied. I asked her what Citizens time frame is? How long DID I have to file a claim and where is this written? XXXX said " I have no idea ''. If the EMPLOYEES do not know how long I have, how am I expected to know? I'm taking this to you because I feel vehemently that this claim should not be denied as I was following the instructions given to me by an emplyee of Citizens.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS.

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

I recently pulled my credit and noticed that i had some errors on my credit report. 1. I noticed several student loan accounts and a few negative items on my credit report. I have n't attended school since i graduated from high school. I have n't applied for no credit since I 've been out of high school. I did n't apply for any credit at all. I was taught by my parents that credit debt could haunt you, so never apply for anything.
2. I sent in several certified letters to debt collection agencies and credit bureaus only to receive bogus verified credit report letters, and letters with no signatures, no original copies of documents when account was open. I only have credit report letters.
3. I sent in police report to all credit bureaus and collection agencies notifying them that an incident with fraud had occurred and none of the accounts is mine. I have n't receive and verification letters or documents verifying my signature, any amounts. I am getting sick and tired of suffering for something that is n't mine. I have contacted all of the companies on the phone and through mail. This situation has been going on for almost a year since i found out about the errors and inaccurate information on my credit report. This is not a threat but i would kindly like the companies know that within 15 days i will be filing a civil law suit against them for breaking FCR laws.
4. I filled an FTC 5. I am harassed by all companies by phone, job, email Company : Account # XXXX XXXX XXXX/XXXX All Equifax XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

It has come to my attention that Bank of America is erroneously debiting accounts {$770000.00} when they have decided they want to close an account. This occurred in my XXXX XXXX business account on XX/XX/year>. I became aware of it on XX/XX/year>, when I went to transfer funds in my BoA account to a business account I have opened at another banking institution. I was stunned to find that my existing funds had been frozen and were not available for me to transfer electronically and even more stunned and frightened to see my balance at a negative - $ XXXX. After spending multiple hours trying to reach someone at BoA that could help me, I was told that BoA books these - {$770000.00} debits " to get my attention. '' I have spent nearly three decades in the banking industry, running highly regulated business units. Therefore, I had the wherewithal to realize a banking error had been made. However, to find out that this was not an error but rather a standard process upset me more and also made me realize that this is an incredibly dangerous and non-compliant practice. About 5 years ago, XXXX mistakenly sent out a - {$700000.00} balance to a XXXXXXXX XXXX covered option traders, ignoring the stock positions held against the options. Thinking he owed {$700000.00}, not knowing what to do, and scared to tell his parents, this individual XXXX XXXX XXXX XXXX. BoA 's actions here not only violate numerous compliance rules, including booking false transactions, but are incredibly consumer unfriendly, and outright dangerous. 

I filed several complaints with BoA representatives and requested senior compliance, risk and operations management at BoA be notified. I provided the names of the senior level employees. After not hearing any response from BoA for the entire week, I reached out to the senior executives on XXXX, explaining the situation. One executive reviewed my profile but decided my claims were unworthy of a response. This is clear evidence that BoA does not feel a need to address my compliant! 

This is despicable and purposeful behavior and should result in an immediate review.
Product: Credit card or prepaid card

I have had a traditional XXXX AMEX card since XXXX. I have received many offers over the years to upgrade to the XXXX AMEX but due to higher annual fees and other issues I have never upgraded. In XX/XX/XXXX I received an offer through my online account to upgrade to the XXXX AMEX Card. It was an automatically approved upgrade so wouldn't result in a credit pull and the promotion that got me to upgrade was {$1000.00} spent in the first 3 months of the upgrade would get me XXXX Membership Rewards Points. Since I knew I was going to be purchasing a new laptop I thought this was a good deal and decided to upgrade. I even have a transcript session with AMEX live chat where I confirmed the specifics and when I had to complete the {$1000.00} in purchases by. I completed well over {$1000.00} in the three month time frame but my Rewards Points have not been added to my account. It has now been two months since the purchase and I contacted AMEX last month to find out the status. The agent said he could see the live chat confirming the details and that he could see the promotion, but for some reason it didn't show it had been earned. It was pretty simple - spend the amount in three months and get the Rewards Points. So he was sending to the back office. But he said that could take well over a month for review and I was responsible for getting back to them. I have never heard back or gotten the points. In the meantime I have been reading complaints and reviews and see that AMEX has an apparent history of not following through on promotions - even when it is clear they were earned. There are all sorts of people that received financial payouts because they never got their points for promotional offers and closed their cards - AMEX just saying it was a glitch in their system. Shame on AMEX. A card with a reputation of being only for higher credit scores and loyal customers - yet they don't follow through on their own promotions. I had to pay a higher annual fee for this card which I wouldn't have done had I known they were not following through on the promotion. That is all I want - my promised reward points. And maybe a few extra for the time and effort I have had to devote to trying to get them. The XXXX XXXX XXXX is a beautiful card - let 's just hope AMEX can come through on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by XXXX stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' XXXX XXXX XXXX had items negatively reporting due to a mistaken identity ( similiar name ) in XXXX of 2018. These item 's were disputed and removed. But yet these item 's are reporting still to XXXX XXXX XXXX 's lenders. Please investigate and have this resolved. Below will be a copy of the denial letter, along with current copies of XXXX XXXX XXXX 's XXXX  credit report. And a fico snap shot of where his score dropped in XXXX due to the fraud on his credit report.
Product: Mortgage

I have been approved for XXXX through the Vermont home owners assistance program. My mortgage company PHH keeps stalling and not submitting what is requested of them. They said I had to complete my 90 trial plan first but that is not what state program said. My mortgage company is less than trustworthy. It is PHH
Product: Credit reporting or other personal consumer reports

I filed a few disputes with XXXX confirmation # XXXX # XXXX # XXXX about me victim of identity theft and I was effected by XXXX XXXX breach and XXXX XXXX XXXX XXXXXXXX breach. XXXX is refusing to remove these inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GM FINANCIAL XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. Someone used my information without my authorization for I am victim of identity theft.
Product: Credit card

I booked a vacation package from XXXX XXXX on XX/XX/XXXX that included a hotel and a rental car for my vacation from XX/XX/XXXX to XX/XX/XXXX. This vacation package included a nine-day rental of a full-sized car from XXXX. My flight was delayed and the flight number is even included on the itinerary of my XXXX XXXX vacation package. So I decided to modify only the pickup time. The rental car reservation number is XXXX. 

When I went to pick up the car, XXXX said that they couldn't find my reservation number in their system, but I had already paid for the rental car through XXXX. 

They forced me to pay for the same car again using my American Express XXXX XXXX. 

I tried to dispute this transaction with American Express, but the merchant and the bank refused to recognize that I paid for the rental car twice. American Express even alleged that the transaction dates didn't match. I planned my vacation ahead of time and paid for the vacation package on XX/XX/XXXX. The vacation package is for my vacation from XX/XX/XXXX to XX/XX/XXXX. I am attaching the full invoice and itinerary to this complaint.
Product: Credit reporting or other personal consumer reports

I have done everything by the book with disputing these accounts. Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim the identity theft report is valid. And lastly, I contact the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels Im not following all the steps. I have knowledge of the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Experian, Im at wits end. Ive filed complaints against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report. I have filed it with a law enforcement agency. XXXX is a federal law enforcement agency. Id like to see this matter handled properly. All this grief of identity theft and not having any access to my credit is creating a ton of emotional and physical distress. Its cause a great deal of strain in my work and personal lives. I literally am losing my mind because I have no other recourse... Please remove these accounts from my records : XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX  XXXX and XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I disputed the information with XXXX and the credit bureaus. Its still being reported as charged-off with negative history even though Ive tried to resolve it. This is inaccurate and not XXXX XXXX compliant. Ive now sent a Notice of Intent to Arbitrate and plan to file through XXXX. I am seeking that the tradeline be updated to paid or settled in full with no derogatory remarks and all negative info removed, while retaining the positive age/history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the Credit Buerure to do an investigation and they did and they said it was all verified. I did my own through investigation and found things to be inaccurate and not correct. I did this after their investigation. 




Name of Account/Account Number XXXX XXXX XXXXXXXX Cancel contract. Please provide the original contract or delete XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original XXXX or delete. 

XXXX  XXXX Cancel contract. Please provide the original contract or delete. 

XXXX  XXXX Cancel contact. Please provide the original contract or delete. 

XXXX XXXX XXXX. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contrast or delete. 


In acceptance with the Fair Credit Reporting ACT and XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy 15 U.S. C. section 604 ( A ) also state that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I called into American Express Serve 's customer care number at XXXX because of a dispute that was credited back to my account but had not been as documented. I called in again today to see why the money had not been credited and the representative gave me the run around. After being placed on hold several times he then told me I had to add money to my account in the amount of {$1.00} for him to credit my account. After a while I heard talking and the representative hung up on me. This is my second complaint about money that was supposed to be credited tin the amount of {$2900.00} when it was stopped by myself online on X/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to dispute discrepancies on my Transunion credit report online only to be meet with, We are having technical difficulties every single time. I have also tried to freeze my Transunion credit report to also be meet with, The Transunion Credit Freeze Service is Temporarily Unavailable, despite what time or day I try. 

Ive had other family members and friends who disputed items on their Transunion reports online with success. As well as freeze their report. 

I have filed a claim against Transunion in the past for inaccurate reporting and negligence and every since this occurrence I have not been able to dispute or freeze my Transunion Credit Report online.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX - XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX A XXXX - Incorrect Personal
Product: Credit card

Capital One credit cards force customers to partake in poor credit practices such as utilizing over XXXX XXXX XXXX XXXX of their credit limit repeatedly for several months before they will even think about granting a credit line increase, regardless of income, payment history, existing expenses and rent, transaction history, on time payments, and all other criteria that lead to a good credit score and a good borrower. They demand that you partake in activities that will LOWER your credit score in order to then hope for a chance at a credit line increase. I was cited as having " low credit line utilization '' as a reason for my denial despite my current credit limit being less than my biweekly after tax income, even lower than my biweekly income after tax, allocations, insurance, everything. They push people to XXXX XXXX up and use as much as they can on their credit limit to try and get an increase to a limit amount that is actually usable for them at their level of income. I will be damned if I will continuously and repeatedly spend near to XXXX XXXX of my credit limit for 6 months straight and tank my score in the hopes of getting an increase in the credit limit to even match my biweekly paycheck. That is reckless, damages credit scores of its customers and is predatory as it incentivizes people to spend in an irresponsible manner and develop a habit of maxing out and riding their cards on payments. We want a country that is strong, stable, prosperous and profitable, and these clowns are demanding behaviors that are fundamentally at odds with the complex system we call a society. They are charlatans who take stable, good, customers and attempt to put them in financially precarious positions instead of partaking in honorable lending where they more than make enough profit off interest and transaction fees. This country is expelling the filth and waste, and they are certainly both of those things. Capital one has evil business practices, I expected a denial to be something bad like overutilization, lack of on time payments, lack of account history, etc, not a rejection saying I am not reckless enough! We need honor and integrity back in our country and its institutions and that will never happen if we don't hold those who would exploit others liable for their evils.
Product: Money transfer, virtual currency, or money service

A refund check for {$2500.00}, Check Numbers : XXXX, was issued and mailed to me on XX/XX/year> .I went to the bank but the money was not credited to my account. The bank said there was no money in the sigue corp account. I still have not received my money.
Product: Credit reporting

EXPERIAN-I NEED TO FILE A DISPUTE AND I CAN NOT REACH THEM. I HAVE TRIED REACHING OUT TO THEM BY PHONE AT LEAST XXXX TIMES AND ALL YOU GET IS A RECORDING. I HAD REMOVED MY FREEZE WELL OVER A MONTH AGO AND I STILL CAN NOT GET A DISPUTE REQUEST. I HAD NO TROUBLE REACHING XXXX AND XXXX. WHY IS EXPERIAN SUCH A PAIN IN THE BEHIND ABOUT GETTING HELP FIXING MY CREDIT ... THERE ARE ACCOUNT THAT NEED UPDATING AND ACCOUNTS THAT ARE NOT MINE ... HOW CAN I GET HELP WITH THIS DISPUTE ... ...