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

My problem is with American Express. I have been a member since 2016 and recently got into some financial problems and had trouble paying my bill. I turned auto pay off with them 4 months ago so that I could pay when I could. Today, XX/XX/XXXX Amex pulled a payment without my consent for the entire amount owed. This action put me in the red with my bank. I called Amex and was told that I still had auto pay on. I did not and argued with him. They haven't pulled a payment in that 4 months because auto pay was turned off. Now all of the sudden they pull the entire amount and cancel my card. My bank is trying to stop payment. I feel like this is abuse and totally unjustified. I am outraged at Amex and need someone to put a stop to this kind of unlawful practice. 
Thanks
Product: Debt collection

XXXX XXXX XXXX XXXXp XX/XX/XXXX : $ XXXX Actions taken by me : Debt Consolidation Company XX/XX/XXXX The company sent a letter and contacted me via telephone. 
I've already informed the company that I am not working, and to stop calling. The debt consolidation company is the best route for me at this time, to pay them. There is no need to harass me, or to contact any of my family and friends, against my will.
Product: Debt collection

AFNI is stating I owe a debt of {$970.00}. I repeatedly disputed this claim several times which was originally through a debt collector named   XXXX   XXXX   XXXX   and was deleted from my credit report and 3 months later AFNI added it back on. the reported information is incorrect. My services is with   XXXX   XXXX   and has been for over 3 years. I have never received any paperwork from AFNI stating I owe the debt or details of the debt, and they have failed to verified correct information. This false new activity from AFNI have caused my credit score to dr op over  XXXX  points which has affect my ability to close on a home for my children. I would appreciate if they could immediately delete their recent activity off my credit report from all  XXXX  bureaus.
Product: Credit reporting or other personal consumer reports

Equifax said that they do not have a credit profile for me which I actually do and i have the report I pulled but if I don't have a report why is it reporting that I do on the report that I have? I attached documents of this, and I also have the letter they sent me via usps mail.
Product: Debt collection

On XX/XX/XXXX I sent I.C. System letter requesting to provide proof of documentation with my signature in accordance with Arkansas 4-59-101 ( a ) ( 2 ) Arkansas Code Title 4 statue of frauds. I.C. System continues to report false informaiton on my consumer file without providing legal enforceable documentation in accordance to Arkansas Law.
Product: Checking or savings account

On XX/XX/XXXX, I saw this 1 % bonus promotion on Ally bank website and you can get a Cash bonus of 1 % of the new money you deposit into Eligible Accounts at Ally Bank up to a maximum of {$500.00} cash bonus. FYI, here is the link to the full terms of the promotion on ally bank website : https : //www.ally.com/content/dam/pdf/corporate/offercode/getpaid.pdf? XXXX Here are the basics of the promotion. 1. If you plan on transferring New Money to an existing Eligible Account ( s ) at Ally Bank, you must enroll in this online-only offer here by XX/XX/XXXX. You must use the email address associated with your existing Ally Bank account. 2. If you dont already have an Eligible Account at Ally Bank you must open an Online Savings account, Money Market account, or Certificate of Deposit ( CD ) at Ally Bank using the offer code getpaid by XX/XX/XXXX. 3. Move at least {$1000.00} in New Money from an account at another financial institution into an eligible Online Savings account, Money Market account, or new CD at Ally Bank by XX/XX/XXXX. 4. Keep the New Money in your eligible Online Savings account, Money Market account, or CD at Ally Bank through XX/XX/XXXX. 5. Keep at least one Ally Bank account open and in good standing until we deposit your bonus, on or by XX/XX/XXXX. If youve followed the eligibility requirements, well pay your Cash Bonus on or by XX/XX/XXXX to an Ally Bank account you own. You must have an Ally Bank account open and in good standing at time of the bonus payout to receive your bonus So according to the terms, 1. I opened a new 11-month no penalty CD using the offer code 'getpaid ' on XX/XX/XXXX on ally bank website. 2. I transferred {$50000.00} new money from XXXX XXXX online saving account to this new CD. The new money is available on this new CD on XX/XX/XXXX XXXX. I kept the new CD with {$50000.00} through XX/XX/XXXX and closed the CD on XX/XX/XXXX 4. I still have my ally checking account open Since I completed all the requirements of this promotion, I am supposed to get the maximum {$500.00} cash bonus ( 1 % of {$50000.00} ) on or by XX/XX/XXXX. But I didn't get the bonus as promised on XX/XX/XXXX. So I contacted ally bank on XX/XX/XXXX about this bonus and was told they opened a case and it will take 7-10 business days to investigate. But I still didn't see the bonus after12 business days. I contacted ally bank again on XX/XX/XXXX, this time I was told they have no turn-around time frame for the case and they don't know how long it will take to resolve. I requested to talk their supervisor and the supervisor told me there are more than 1000 people having this issue and they don't know when my case will be reviewed. I asked what " no turn-around time frame '' means, what happens if you will work on this case for a year? The supervisor said it could be and he just don't know when. This is not acceptable. I completed all the requirements of the promotion, so I should get the bonus as promised by ally bank on or by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

At the beginning of XXXX I filed a dispute for 2 capital one charge-offs with XXXX due to inaccurate and unfair deceptive card practices. UNDER TILA THE CREDITORS INTENT IS NOT RELEVANT and must be deleted In 30 days also creditor did not provide Truth in lending disclosure statement or disclose the consumer contract related to the account for accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to get these inquiries off my credit report, again I gave no one permission to run my credit for a car, disputed these inquiries before and it came back as non monetary relief, which means they gave no explanation as to why I have these inquiries on my report. These inquiries are on my Transunion Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} is a collection that I don't know about that I would also liked removed. 
XXXX XXXX Bankruptcy, I have sent a letter to the credit bureaus from the bankruptcy court stating that they do not share any information with credit bureaus, but Transunion and XXXX are stating they received this information from The Bankruptcy Court what do i do
Product: Credit reporting or other personal consumer reports

I am the victim of ID theft. I have a long and documented journey of ID theft full of police reports, FTC Reports, and Notarized Fraud Affidavits. I have provided this information to the three credit bureaus to contest the fraudulent accounts opened with my name, and most of the accounts have been removed. XXXX and XXXX have fully complied, however TRANSUNION refuses to remove a XXXX XXXX  credit card debt that has been on my report for XXXX  years. I have filed a complaint against XXXX XXXX  with the FDIC, however XXXX XXXX  refuses to provide a detailed investigation or even conduct a proper investigation into the matter. Therefore, I have no more option but to file a lawsuit against XXXX XXXX. 

At this point, Transunion will be included in the lawsuit unless they block this information from my credit report as required by law. Given that all the ID theft documents to prove ID theft have been provided, Transunion refusing to do so is a violation of the law. I am resubmitting these documents, and Transunion 's handling of this final request will ultimately decide if they are named as co defendants in my lawsuit.
Product: Debt collection

I have been receiving harassing calls and visual voicemails from XXXX XXXX at First Investors XXXX for a XXXX XXXX who is apparently using my number to obtain fraudulent debts and attempting to evade said debts. However, I do not know this person, as this is a new number I received from XXXX a year ago when trying to resolve similar issues with XXXX  wherein I received harassing messages from creditors and even suppliers from a methadone clinic for a former XXXXXXXX  subscriber. I have reported to XXXX on several occasions the issues with the harassment from creditors on their recycled lines. XXXX  has attempted to resolve the issue by alleging that the Scam Caller ID option available through their service would prevent this, but it does not prevent the harassment. Instead, this service only sends the harassing calls in violation of TCPA and FDCPA to my voicemail, so I continue to receive the harassing visual voicemails. I receive at least one per day, and this has been going on since XXXX of this year. It is now XXXX, so the calls are incessant and will not stop. I tried to call the number back, but I can not reach a live human being to request a cease and desist. The robo-dialed service instead then verifies as if I am the debtor calling and continue to ensue with more harassment. XXXX has failed to protect me. The National Do Not Call List has failed to protect me. I have filed a complaint already with the FCC. My next step is to file a complaint with the Illinois Attorney General against XXXX for failure to block this harassment.
Product: Vehicle loan or lease

Id like to report an unanswered billing error with Carvana XXXX XXXX XXXX XXXX, that requires proof of account and how much of the debt, if any, is still owed. I conditionally accept their offer upon proof of their claim. 
On XX/XX/2024 we sent in our initial payment. It was returned to me on XX/XX/2024 as unacceptable. I reported the billing error via email on XX/XX/2024 AND via Registered Mail on XX/XX/2024 via Certified post with tracking # XXXX. The latter was sent to their Corporate address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. Copies of documentation sent are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I recently obtain a copy of my credit report and found many errors reporting on all three credit bureaus, including hard Inquiries that was Unauthorized. On XXXX XXXX I sent a Certified letter to all credit bureaus, XXXX & Transunion being two out of the three regarding unauthorized inquiries reporting. I XXXX XXXX waited 2 weeks for a response. I contacted XXXX & TransUnion via phone on XXXX XXXX and stated this matter, XXXX Representative stated that I have to call the lenders one by one and state that these Inquiries are reporting also they don't have Access to disputing Inquiries over the phone, I have to dispute online. TransUnion Representative Stated I need a police report.I XXXX XXXX Disputed the inquiries online with XXXX on XX/XX/2022. XXXX stated it would take XXXX XXXX to complete the Investigation. On XXXX XXXX I gotten a emailed from XXXX stating my Investigation was complete and it stated The hard inquiries was verified.Their method of verification was not Thorough as stated in the letter ( pdf ).
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding XXXX Money Transfer Service Dear XXXX Service I am writing to formally express my dissatisfaction with the XXXX money transfer service offered through my Bank of America account. Recently, I encountered a troubling issue that I believe warrants your attention During a recent transaction, I mistakenly sent money to the wrong phone number. To my dismay, I discovered that there are no warnings or notifications provided by XXXX to alert users when they are about to send money to an incorrect recipient. Furthermore, I was shocked to learn that once the transaction is completed, there is no way to recover the funds sent to the wrong number. This lack of information is not only frustrating but also poses a significant risk to users who XXXX inadvertently make similar mistakes I believe it is crucial for XXXX to implement clearer warnings or notifications to inform users about the potential consequences of sending money to an incorrect recipient. Additionally, providing more explicit information about the irreversibility of such transactions would greatly enhance the user experience and prevent future issues I hope you will take my complaint seriously and consider advocating for improvements to the XXXX service. Thank you for your attention to this matter. I look forward to your response Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX complaining on experian XXXX and XXXX after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need XXXX XXXX  credit card to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to XXXX XXXX because i can not identify the correct information on the account and they still refused my police report and also XXXX XXXX  credit card refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i have a fraud alert on my profile for over 5 years
Product: Credit card

on XX/XX/23 I contacted PNC bank to obtain my credit card number as the card was lost long ago and I needed the credit card # to reset forgotten online user id/password to view my statements. I have contacted PNC bank both by phone and online chat and PNC refused to give me my card number, the phone rep was rude and the chat rep told me the only way PNC could verify my identity is for me to travel from NY to a PNC branch in PA in person. 
PNC emailing me monthly that my card statement is available online. As alternative to solve the issue I asked PNC to switch my statements from online to regular paper so I receive them in mail, PNC refused to do that also. 
I filed a XXXX complaint against PNC also, PNC refused to answer and wrote back call PNC if you have issues, given the rudety of PNC phone reps and hours long waits on phone, I did not follow. XXXX accepted PNC refusal to answer the issues and considered it an answer then closed the case. At this time PNC taking payments monthly from my XXXX XXXX checking account but not giving statements or indicating balance.
Product: Debt collection

I keep getting repeated calls from commenity bank and soon as you answer they hang up it happens all day long
Product: Vehicle loan or lease

My car was repossessed on XX/XX/2017 after missing one payment. I was currently making payments when this company repossessed my car. They sold the car for auction on XX/XX/XXXXXXXX this was after my payday but they demanded my entire check, XXXX dollars. I was due to XXXX  on the XX/XX/XXXX, so I asked for an extension but they didnt extend and took my car. I XXXX and they sold the car which was bought XX/XX/2017 brand new for XXXX XXXX and left me a XXXX balance and didnt notify me and are charging me thousands in interest which I dont believe is fair. They also did not send me notice that they were selling my vehicle, I found out on my credit report. This companys name is GM financial and they are scamming military members out of their money.
Product: Money transfer, virtual currency, or money service

Date of Transaction : XX/XX/2023, Transaction Amount : {$100.00} Action Taken : Filed a dispute with the Bank. I got scammed when I responded to XXXX group posting on moving sale. Messaged the seller and did a deposit of {$100.00} using XXXX As soon as I realized that i was scammed, logged into the bank account and tried to dispute the transaction. Couldn't dispute the transaction as it was in pending status. 

Called the bank 's customer service to file a dispute. 
1. The bank agent mentioned that PNC doesn't provide any fraud/scam protection on XXXX transaction XXXX XXXX is a separate entity and just providing free of charge service. 
2. I had requested a copy of bank 's customer ( XXXX XXXX XXXX ) protection policy & procedures specific to XXXX product/service. The agent asked me to check the terms & conditions of XXXX to find answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I got a {$600.00} loan from XXXX XXXX XXXX XXXX. With the loan about XXXX points were deducted from my TransUnion credit score The loan was paid on time in good standing. I only received XXXX points back to my TransUnion credit score after the XXXX XXXX XXXX XXXX loan account was paid/closed XX/XX/2023.
Product: Bank account or service

I have XXXX checking accounts with Wells Fargo. Apparently they have been charging a fee every month to XXXX account because I failed to meet XXXX of the XXXX requirements -- that my account is linked to XXXX other WF products or services. I would have met the requirement except that my credit card was nominally linked to a second checkings account for which I already did n't have to pay fees. 

I finally noticed this and called Wells to report the issue that had been going on for a year. They admitted that it was a mistake on their part and agreed to refund 70 % of the fees. However, they would only do this for the previous three months ' fees because " the tool for refunding only lets them go back 120 days. '' This does not seem like an acceptable reason for failing to compensate customers for their mistake : if they err and take {$120.00} from me then I should be entitled to all of it back without their own internal tools as barriers! If others have been experiencing the same problem of WF only refunding mistakes through 120 days prior, then I imagine this could be a case of serious aggregate consumer harm.
Product: Checking or savings account

Over drafting my account Showing money in the account when it wasnt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 31 inquiries on my credit report that was not authorized I have sent in letters to Equifax and they have not even investigated the matter at hand. I even have a fraud alert on my file to be contacted before extending credit and was not contacted about these inquiries
Product: Credit card

I received numerous messages and then a letter demanding payment from TRUIST BANK. I thought it was a scam because as soon as my account was turned into a Truist account I cancelled the account and credit card. That was more than two years ago. I spent more than an hour on the phone with 2 people I couldn't understand very well and then, after several requests, I talked to a a person in the U.S. all they could tell me was that I owed XXXX XXXX and XXXX  plus a XXXX XXXX  late fee for a purchase that involved XXXX.
Product: Checking or savings account

I filed a dispute with chime my account was hacked and XXXX of mine was used on XX/XX/XXXX I received a email stating chime was closing my account I had XXXX in my checking account and the account got closed Now I have no idea where my Money is or how I will receive it back along with the XXXX that was used without my authorization
Product: Credit reporting

Under the FCRA, Credit Reporting Agencies ( Credit Bureaus ) must provide a copy of the verifiable original credit or documentation. 

Since they can not provide proof of verification to me in the form of a physical contract document, per my request, then the account is considered " unverified '' and under the FCRA all unverified accounts must be deleted. 

Section 609, Page 35. The bureaus are required to disclose to me exactly what documents are stored within their computer base that were used to verify the information that is being reported about me. 

Page 37 ( 2 ) ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from my file unless the information is outdated under section 605 OR CAN NOT BE VERIFIED. 

Basically, I have requested twice for the account to be " properly verified '' and as of today the only thing the reporting agency can say to me is that it has been verified electronically through EOSCAR system. That is in violation of Section 609 of the Fair Credit Reporting Act. 

This is my complaint and that is why I need your help to get XXXX Account # XXXX DELETED from my credit file. 

Enclosed please find papers relating to this complaint. 
Sincerely, XXXX XXXX XXXX