23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Reference Number : XXXX Dear American Express XXXX, I am writing to formally dispute the recent denial of credit by American Express . This decision appears to violate several provisions of federal law, including 15 U.S.C. 1691 ( a ) ( 3 ) of the Equal Credit Opportunity Act ( ECOA ), which prohibits discrimination in credit transactions. I believe this denial was made without a valid basis and may have involved discriminatory practices, as defined under the ECOA.

Legal Basis for My Claim : 1. Violation of the Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 ( a ) ( 3 ) : The ECOA mandates that credit decisions must not be influenced by discriminatory factors. I have reason to believe that my application was not evaluated fairly. Case law such as XXXX XXXX XXXX XXXX has demonstrated instances where similarly situated consumers faced discrimination. I request an immediate review of the decision, ensuring compliance with the ECOAs non-discrimination requirements.

2. Truth in Lending Act ( TILA ) Violations - 15 U.S.C. 1602 ( j ) and 1605 : Under 15 U.S.C. 1602 ( j ), I hold an open-ended credit plan by virtue of the transactional nature of my application. Furthermore, 15 U.S.C. 1605 defines a finance charge as any fee or cost imposed directly or indirectly as a condition of credit. The inquiry made on my credit report constitutes a transaction receipt, confirming a credit decision and related finance charges, yet I received no benefit, which is inconsistent with 15 U.S.C. 1602 ( p ) regarding unauthorized use.

Demand for Resolution : I request that American Express : 1. Immediately reconsider and open the credit account.

2. Pay {$3000.00} in damages to resolve this matter, covering the costs and statutory damages under applicable federal statutes. 

Fees and Arbitration : Should you fail to resolve this issue promptly, I will have no alternative but to proceed with arbitration as outlined in the American Express Membership Rewards Terms & Conditions. This includes initiating arbitration with XXXX  or the XXXX XXXX XXXX ( XXXX ). As per your arbitration clause, if the claim proceeds, you will be responsible for arbitration fees beyond what I would have incurred in court. 
Moreover, if the arbitrator rules in my favor, I will seek relief greater than any final offer made prior to arbitration, including monetary damages and reimbursement for legal fees, per the provisions set forth in your claims resolution clause. 
Next Steps : Please respond to this notice within 30 days from the date of this letter. If I do not receive a satisfactory response, I will proceed with filing a claim for arbitration. 
Sincerely, [ XXXX ] [ Email : XXXX ]
Product: Credit card or prepaid card

Chase World of Hyatt credit cart charges annual fee of {$95.00} on the very first day of account approval. Then in starts applying interest on the annual fee right away even if account is not activated. 

This is an unfair business practice that CFPB needs to address. 

I did not activate and start using the card until two months later. Even before any charges were made to the card, I apparently owned Chase {$96.00} ( annual fee plus interest ). 

When a month later I paid the card in full and closed the the account, Chase refused to wave the annual fee and was not even willing to prorate a fee for an account that was used for one month only. 

Furthermore, I when asked Chase to reverse any Hyatt bonuses earned on a card in exchange for waiver of the annual fee ( similar to contract rescission ), which Chase refused as well. Granted, after hearing my arguments, customer service offered to waive late fee and {$1.00} in interest as accommodation to a long-standing customer.
Product: Debt collection

I paid XXXX XXXX in full as they cancelled my account because we had a conversation and I found out someone fraudulent ly entered my account and tampered with my service. So the account was cancelled by them and I paid them only what I owed them {$21.00}. Professional Credit Service wanted another {$800.00} and I contacted them and disputed the entire account as I had paid XXXX XXXX in full. Then Professional Credit Service changed the amount to an additional {$80.00}. but I had already paid XXXX XXXX and the payment was accepted as the check was deposited. I disputed the collections on all XXXX credit bureau reports and they would not remove it. I do not owe them any monies!
Product: Money transfer, virtual currency, or money service

I paid someone using Zelle for concert tickets and they scam me. Than they said they send me the money back but I never received it. I put in a request and try to call customer service have not heard back in months. They sent me an email saying that someone was gon na reach out to me within a couple business days and never heard from the company.
Product: Credit reporting or other personal consumer reports

Reporting Agency- XXXX XXXX XXXX XXXX Experian XXXX Accounts : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above unverified are fraudulently being reported on my credit reports that I have disputed several times with XXXX XXXX XXXX and Experian and each time they keep telling me that these accounts are verified. However none of mentioned credit bureaus could provide me the method or proof of the verification process. None of the above collection agencies have not sent me a copy of the original assignment nor a copy of the original contract signed by me and this is a violation of 15usc1692g of the FDCPA. As a federally protected consumer I have a right to verify the debt and bureaus are fraudulently reporting these accounts based solely on heresy and not first hand documentation or knowledge that the debts and accounts are mine.
Product: Credit reporting or other personal consumer reports

Hard inquiries that idont recognized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I called Apple this morning and let them know I did not open the card. I was receiving calls for a week and assumed it was spam, come to find out someone had opened an Apple Card with all of my info. They let me know my social security number was required to open the account and let me know I needed to contact this site. 

There were some charges in XXXX Ohio. One for XXXX dollar XXXX XXXX and XXXX dollar XXXX XXXX XXXX charge. 

Goldman Sacks Bank USA has currently frozen the account and let me know to contact you all so that all fraud can be tracked on the account opened.
Product: Credit card

I'm stuck on an endlessly rolling ball of serious banking privacy concerns right now. Here 's XXXX very, very basic issue I'm still trying to understand : This past XXXX, I received XXXX different e-mail alerts saying the Paypal XXXX account linked to my Paypal account was shut down due to " unusual activity, '' and I had to manually reset the account both times. After I received the second security alert for the second night in a row at XXXX AM, I delayed resetting my account for several weeks. I was nervous that someone was messing with my, and my account was just going to keep getting locked every day. I'm now on MONTH NUMBER XXXX of getting ping-ponged between XXXX different companies where I'm just trying to figure out : Why was I getting these alerts?!? Is there some legitimate reason Paypal was manually shutting down my account on those days in XXXX? XXXX was this someone with a weird IP address trying to hack XXXX of my bank accounts, something that's happened to me multiple times in the past? ( and is still currently happening! ) I thought I sent this complaint directly to Paypal on case number XXXX but XXXX ended up intercepting it again. My experience for the past XXXX months has been the following : Anything I send directly to Paypal gets anonymously shut down as " We aren't the company involved in this '' and Paypal says nothing. Anything I send to Paypal XXXX ( as listed on the CFPB site ) OR XXXX  gets a response from XXXX, where they keep saying I need to directly contact Paypal ... when that's exactly what I'm trying to do! And on the lowest rung of the ladder, if I ask this question to XXXX XXXX " wonderful '' lawyers at XXXX XXXX XXXX, they tell me my account was NEVER closed, and I must be making all of this up with my wild and crazy imagination! At the end of the day I'm STILL trying to figure out : What was triggering these Paypal security alerts all the way back in XXXX?!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. The dispute items do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My complaint is against PayPal for failure to release funds when promised, and for punishing me for failing to fall for their attempted extortion of an additional, excessive fee in order to expedite the process,. 

On XX/XX/XXXX, I sold two items that I owned ( legally ), on XXXX totaling {$2500.00}. At that point, PayPal advised that there was a hold on the funds for 3 weeks. This apparently originated from XXXX, since it was a big sale and a new account. After the three weeks, the money was released into my PayPal account. PayPal took a fee of {$72.00} for the use of their service. 

I then tried to transfer the remaining {$2400.00} to my bank account. At this point I was offered expedited service for an additional fee of {$24.00} ( 1 % ). Upon declining the expedited service, I was informed that this activity was suspicious and that my funds would not be available for another 8 days. 

This is clearly retribution for declining to pay the additional fee. If they had suspected anything suspicious, they already had 3 full weeks to investigate. Additionally, there was no warning that the activity was deemed suspicious prior to being given the option to pay and have my money in minutes or not pay. 

I have repeated attempted to contact customer service, but they send a cookie cutter response and refuse to address the actual issue. 

It should not take 28 days to receive my money from a valid sale, and they should not be able to punish me for not paying and additional and in my opinion, excessive fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and asked if there were ever a contract ever signed by me from them and i never recieved and letters informing me of any bills or any action being taking towards me
Product: Debt collection

I have reached out to the company XXXX multiple times, and requested documentation on this debt. The documentation they provided me did not have my address or bank account. I informed them that this was not my correct address and Ive never lived in that location. They have continued to ignore and have continue to attempt to collect on a debt that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and they all need to be deleted from my credit report. XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX  XXXX XXXX {$180.00} XXXX XXXXXXXX XXXX {$910.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX {$26000.00} XXXX XXXXXXXX XXXX {$110.00} XXXX XXXXXXXX {$32.00}
Product: Payday loan, title loan, personal loan, or advance loan

I took out an advance a few months ago and paid it off by the EXACT dollar amount that they billed me for. Then they tried to bill me for more interest and their collection attempts haven't stopped. I also asked them for the calculations of how they are computing this additional interest, but they have not provided that. I believe they are treating this line of credit as a mortgage, since they said I was supposed to call to get a pay off amount before paying down the line fully. This additional interest was not in the original line of credit agreement that I signed.
Product: Credit card or prepaid card

XXXX is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update accordingly. 

( XXXX XXXX )
Product: Debt collection

I was living in XXXX XXXX XXXX XXXX XXXX XXXX in from XX/XX/XXXX to XX/XX/XXXX. I had a two bedroom second floor apt XXXX XXXX XXXX. In my bedroom there was a roof leak when it rained. I removed paint on walls to find mold, I did a Mold test. It was positive for Black, Brown, Green Mold. I told XXXX about it and they sent a maintainance man over and he painted it wit XXXX just to cover the stain and repainted it. I became very sick with XXXX XXXX XXXX XXXX. I moved for 1 month to a one bedroom, I was told by my XXXX XXXX XXXX XXXX I need XXXX  XXXX, XXXX, and XXXX XXXX XXXX. I lived in XXXX alone, I had to move back to XXXX where I am currently living and since have advanced to XXXX XXXX XXXX XXXX XXXX which XXXX from XXXX to XXXX. I have 2 of the same collections on my credit report from XXXX XXXX ... ... XXXX.the Legal Dept I spoke to said they were two duplicates of same debt. The Debt is not even acuurate to start with as I paid my rent and had to leave for Medical reasons my XXXX believes is form environmental Mold in Apt . I am XXXX from the XXXX, and in treatment for the rest of my life till I die. I will be needing housing as my final resting place as I currently live with my XXXX yr old Father who has had XXXX XXXX, I can not get approved because eof these False Derogetory Marks on my Credit Report. I do not have funds to hire an Attorney as I um under Poverty Level by XXXX State Law. I became ill because of XXXX XXXX, Never was late on my rent was an excellent tenant ... and this is now at the end of my life what they are trying to do.False debt,2 of same when I owe nothing to begin with paid rent and I believe they used my security when I HAD TO LEAVE. I am not a Deadbeat ... I pay my bills. Iam willing to settle even though this is a False Bogus Debt x2, for {$100.00} dollars to have this removed both from my credit report, I have contacted local news and TV of this. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. My current XXXX is XXXX XXXX XXXX Director of XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, if you need to verify the status of my illness. I should be suing them for my XXXX, but instead they are nasty in the Legal Dept and will not remove at least one of the False Debts, never mind both. Thank You for uour time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I got scammed on XX/XX/, the charged appeared on my card on XX/XX/2023. The scammers used XXXX website to book fake reservations and asked for credit card to be paid directly. The reservation request is done directly through booking.com but they give instructions to contact them directly, you even receive a confirmation number from an email from booking, I learned later that booking.com provides a reservation number and a pin number, the email you get does not have a pin number. 
I called the credit card company immediately to dispute the charge and change the card number, rendering the previous number obsolete. The credit card company eventually took the charge off, however later put the charge back on claiming they didn't have enough proof and that the merchant didn't violate the terms. I faxed the screenshots and email indicating the merchant had written they would refund, but they say there is nothing else they can do and they have re-charged me the amount.
Product: Mortgage

I believe I'm being XXXX XXXX  against. I applied for a cash out refinance with Better on XX/XX/2021 and again on XX/XX/XXXX, XXXX I felt the XX/XX/XXXX decision was a mistake. They had the best rate and fees at the time. All the other companies I applied to approved me but I felt their fees were excessive. 
Today I decided to look into refinancing again and Better had the best rate at 2.5. The reason they gave for denying me in XXXX XXXX my XXXX was to high. I looked up the requirements and it says their acceptable XXXX was 50 %. My XXXX is much lower as I pay all debts in full every month since the XXXX. 
Following are their stated requirements : " Minimum borrower requirements Better.com adheres to the conforming loan requirements for mortgages approved by government-sponsored enterprises ( GSEs ) XXXX XXXX and XXXX XXXX XXXX 

For conventional loans, key requirements include good credit ( typically a XXXX score of XXXX or higher ) and minimum down payment of XXXX percent. However, anything less than XXXX percent down will trigger the private mortgage insurance ( PMI ) requirement. 

Borrowers must also have a debt-to-income ratio ( DTI ) of no more than 50 percent. '' My FICO SCORE at the time and still is XXXX. The value of my property is $ XXXX, I was requesting a 30yr. Loan for {$250000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the lates that were on my credit report from all the bureaus XXXX, XXXX and Transunion. All three have not removed the late from XXXX XXXX after being provided proof.
Product: Credit reporting or other personal consumer reports

I am disputing several inaccuracies on my credit report reported by various companies. These inaccuracies include unverifiable negative account entries and outdated personal information, which persist despite my prior disputes under the Fair Credit Reporting Act ( FCRA ). These inaccuracies have caused harm to my creditworthiness, leading to potential denials of credit and unfavorable financial terms. 



Key Issues : XXXX. Negative Account Information : Certain accounts, including those reported by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, are listed as charge-offs with inconsistent and unverifiable balances and reporting. 

For example, XXXX XXXX XXXX reports a charge-off of {$88000.00} with a balance of {$97000.00} as of XX/XX/year>, which is inconsistent and raises questions about the accuracy of the reporting under FCRA standards XXXX 

XXXX. Outdated Personal Information : My credit report contains multiple outdated addresses and name variations that are no longer accurate. Examples include incorrect variations of my name and addresses, which contribute to confusion and potential errors in my credit profile. 

Applicable Legal Standards : Under the FCRA ( 15 U.S.C. 1681 ), consumer reporting agencies and furnishers are required to ensure that all information reported is accurate, complete, and verifiable. If the information can not be verified, it must be corrected or removed. These inaccuracies and the failure to properly investigate my prior disputes violate these legal standards. 

Resolution Sought : I respectfully request the following actions : XXXX. Immediate removal of all unverifiable and inaccurate negative entries, including but not limited to accounts reported by XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX. 

XXXX. Correction of my personal information to reflect only accurate, up-to-date details. 

XXXX. Written confirmation of the resolution within the statutory timeline. 



These actions are necessary to ensure compliance with federal law and to protect my rights as a consumer.
Product: Mortgage

I submitted payment plan and payments to my Mortgage company and also spoke to a representative stating what I was doing to bring the loan current and the payment were not put towards the loan and now my home is in foreclosure. The representative did not inform me that my home was in foreclosure. I am requesting the notes that were inputed on my account to prove that I spoke to and was assured that the payments were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

HIPPA, CRA VIOLATION INACCURATE INFORMATION MUST BE 100 % CORRECT IF YOU REPORTING
Product: Debt collection

1 XXXX XXXX XXXX Name : Caine Weiner Dear XXXX XXXX, lam writing in response to you reporting to XXXX - XX/XX/year> because I do not believe that I owe what you say I owe. 
This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section XXXX - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the XXXX XXXX. 
If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. 
Finally, in accordance with sectioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 
XXXX XXXX, XXXX