23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been an Amex Gold Card holder since XXXX  For years the annual fee was {$95.00}, then recently went to {$250.00} and now is going to {$320.00}. I have had a FICO over score over XXXX for years and always paid monthly statements in full. 
I have read their marketing material explaining how I can easily earn back my fee by discounts, coupons, blah, blah. 
As a senior citizen who has managed their finances well all my life I'm certainly not interested in charging up large balances and paying them interest on top of the annual fee to " earn back '' the {$320.00}. 
I feel I'm being penalized for being a good steward of my money and a XXXX customer. 

I hope the word " protection '' in your title would prompt an in inquiry to Amex over their excessive fees. I read the current administration is very interested in controlling inflation. Here 's a great opportunity to do so! 

I don't care who knows my name and town. XXXX already knows much more than that about me. 

Sincerely, XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

In XXXX I applied to refinance a rental property with PNC Mortgage Co. I purchased the property in XXXX. I also refinanced property ( with PNC XXXX in XXXX. I received approval for a refinance for a conventional mortgage at a lower rate. All going great, rental appraised at 3 times what was owed, credit rating is XXXX, funds in accounts that would pay loan off if needed, loan doc online to sign and then nothing from PNC. XX/XX/XXXX, the mail brought me a letter stating my credit was not approved because PNC does not offer the terms requested. 3 months later after all the paperwork completed and in XXXX I find this out! PNC has my mortgage but the letter states it does not have conventional fixed loans. I do have a conventional fixed loan with PNC now. I wasted 3 months and will never be able to get the interest rate I was offered in XXXX now with anyone else. All interest rates have gone up. 
I complained to PNC and a loan officer called XXXX not mine ) and was ugly, telling me PNC did not make those kind of mortgages. Like I would know! I asked just what kind it was and I wanted details on just what was wrong or what was THOSE KIND. No answer. No offer of a modification so the mortgage would work, nothing. So why deny my credit? My age? I have never heard from my original loan officer since the loan doc needed to be signed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts and inquiries were made without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove any information resulting from identity theft upon request. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my recent dispute regarding unauthorized and inaccurate inquiries on my credit report. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : -- -- -TransUnion XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I reported a fraudulent charge on a credit card issued by BARCLAYS. The fraudulent charge appeared on a XX/XX/XXXX billing statement in the amount of {$89.00}. The statement only indicates it was a charge for XXXX XXXX. I reported this charge as fraudulent immediately and received a letter confirming the reported fraud on XXXX XX/XX/XXXX. 

After a month, BARCLAYS issued a temporary credit, but subsequently told me that the charge had been investigated, and was valid. BARCLAYS never explained how they came to this conclusion. I wrote again in XX/XX/XXXX to ask what was discovered in the investigation, and also to find out what goods or services this charge represented. It was not possible for me to determine this from the statement. 

BARCLAYS again conducted an investigation, but with the same conclusion that the charge was valid. There was never any information provided on why this was the case. 

Attempts to speak to someone in the FRAUD department was unsuccessful. Phone wait times exceed 40 minutes.
Product: Debt collection

XX/XX/2019. Received a call from XXXX at Ally financial. She wanted to know when Im going to pay my auto loan. I told her she needs to contact my attorney. She responded you dont have an attorney. Continued to ask when Im going to pay. I repeated you need to contact my attorney. She then told me that if Im not going to comply we will send people to XXXX XXXX XXXX ( my house ). I told her multiple times you need to contact my attorney and each time she told me you dont have an attorney and that I have to deal with this myself. Eventually she said Im going to record that youre non-compliant and then hung up on me. Now all of this happened a month or longer AFTER I received my bankruptcy discharge from the court, which included my auto loan through Ally Financial. Never once did she ask for my attorneys name or phone number or anything. She literally just ignored the fact that I retained an attorney, filed bankruptcy and received a discharge. She threatened to send people to my house if I didnt pay. This is completely unacceptable! Not to mention illegal, I think. I was granted a discharge from the auto loan debt by the Courts and yet shes calling me to collect the money, ignoring my request to speak to my attorney and THREATENING to send people to where I live! I fell in hard times that lasted for several years, filing bankruptcy was not something I did lightly. It was an extremely stressful time, so much so that I began receiving medical care due to the stress & anxiety of trying to rebuild my life. Then when theres finally resolution and I can begin to get back to normal this woman calls and treats me that way. Please look into this matter for me. Thank you.
Product: Credit card or prepaid card

Several credit cards opened in my name. 
Opened XX/XX/2022. 
Credit line is {$5000.00}. 
Credit used is {$1500.00}. 
Reported this with all three credit agencies
Product: Credit card or prepaid card

I started a dispute on a credit card purchase through Goldman Sachs apple card where a seller listed a product and provided a false tracking number to confirm delivery. I never received any product or reply from the seller and the dispute was ruled in the sellers favor. I tried reaching out through the apple card support line to try and present evidence for the case but I was not given an outlet to do so. Because of this, the bank ruled in favor of the seller without hearing any supporting evidence. It took months for the bank to to come to a decision without ever reaching out to me. The reason for the denial was that a tracking number was provided but no other information was given. I have reopened the case but am having the same problem. Below is the basic timeline of the issue : I purchased a pair of boots in the amount of {$400.00} on XXXX. The seller who I purchased from was new on the website where I made the purchase and did not have any feedback, but since the product was verified and had a money back guarantee from XXXX, I purchased the item ( I had not had any problems with the site until this point ). The seller was responsive at first and provided a tracking number on the site. The tracking number provided to XXXX  ( XXXX : XXXX ) and XXXX ( XXXX XXXX ) were different. In the sellers profile, they said the were shipping worldwide from XXXX but the tracking number came from XXXX XXXX. I had been tracking the package and when it said delivered, I did not receive anything. At that point I reached out to the seller and asked what address he used to ship it to. He never replied to me and never gave any clarification. After I did not receive a response, I decided to report the package missing to XXXX. In order to start the missing package search, XXXX requires you to enter the address to confirm that you are the intended recipient. I entered my address, XXXX XXXX  XXXX XXXX, for the tracking number ( XXXX XXXX ) and it said The address you entered does not match our records. Please verify and try again. 

The picture that showed the delivery was not my address and the seller refused to confirm where the package was sent. The seller is the only one who is able to see the details about the shipping label due to privacy concerns so I was never able to determine where the seller sent the package. I believe that the seller conducted a tracking number scam where a worthless package was purposely sent to the wrong address to confirm delivery but of course I never received anything. In this case, I was not given a chance to present this information and the decision was reached solely due to the reason that a tracking number had said it was delivered. 

The attachments included are a photo of the conversation between the seller, a photo of the tracking information, proof of the wrong shipping address from XXXX, a photo of the banned account and authenticated product from the website, and a screenshot of the sellers profile ( these descriptions may not match up in order to the attachments )
Product: Mortgage

The responses offered did not fit my situation. The ones I chose were closest to it. 

I recently received my XXXX mortgage interest form from Bank of America. It was not correct. My XX/XX/XXXX mortgage statement stated that I paid {$22000.00} in interest. My XXXX, which was available online on XX/XX/XXXX, stated the amount was {$20000.00}. I called during the 1st half of XXXX and was told by the person that they would send a revised form. As of XX/XX/XXXX I had not received the form so I called again to find out the status. The phone system says a new form was sent XX/XX/XXXX ( it wasn't posted online and I didn't receive a copy in the mail ). When I reached a person ( XXXX employee # XXXX ) she explained that since I have prepaid 4 months of my mortgage, they would only report interest through the scheduled XX/XX/XXXX payment ( which was made in XXXX ). I mentioned that the Table 1 Instructions for IRS publication 936 ( page 10 ) states that " You can deduct all of the interest you paid during the year on mortgages ''. When I asked to speak with someone that could answer why BofA was interpreting mortgage interest this way she would not forward me to anyone else. She said that both the Tax Area and Year End Department were closed for the day ( this  was at XXXX in the XXXX  EST ).
Product: Checking or savings account

XXXX XXXX XXXX is a certified Service-Disabled Veteran-Owned Small Business ( XXXX ) and the Small XXXX XXXX ( XXXX XXXX XXXX Our XXXX XXXX Code is XXXX and our ( XXXX ) is XXXX in the state of Virginia. 
XXXX. We hold XXXX XXXX ( a ) and XXXX XXXX certifications. 
XXXX. XXXX Certified Veteran XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX ) contract holder under contract # XXXX XXXX. Member of the XXXX XXXX XXXX XXXX, XXXX XXXX, and VETS Go Global. 
Specializing in delivering high-quality IT solutions and the export-import of food commodities, we serve high-profile clients including the Department of State, the Department of Homeland Security, the Department of Veterans Affairs, and the United States Agency for International Development ( USAID ) .

US trade office recommended us to Citi Bank for our international projects, In XX/XX/XXXX, we opened a Citibank account following discussions with Citibank 's trade office, which we believed could support our international project and trading activities in the food commodities sector for Relief aid projects in XXXX. We were informed that the onboarding process for trade finance would take between XXXX to XXXX months. During this period, we utilized our funds, including loans, to conduct our trades, paying various vendors in XXXX, XXXX, and XXXX based on work orders we received. Despite managing {$18.00} XXXX worth of projects from Govt of XXXX, we had to make regular payments to our suppliers, we were unexpectedly notified in XX/XX/XXXX that our account would be closed, without being given the reasons behind this decision. 

Initially, we chose Citibank for its reputed international trade finance capabilities, as advised by a U.S. trade office. However, the notification of account closure came without a clear explanation. To date, we remain unaware of why our account is being closed on XX/XX/XXXX. 

We are eager to clarify the situation, offering justification for our transactions if necessary. Specifically, we have been fulfilling a government of XXXX work order valued at {$18.00} XXXX, directing payments to various vendors for essential purchases. 
As a veteran-owned entity we are seeking CFPB assistance to help us understand why our account will be closed. We have been doing all the transactions per the guidelines of the bank and we request CFPB to allow us to explain to Citi Bank our business working model for international trade. Our reason to work with Citi Bank was that we want to avail their services for the US international trade finance by now because of this decision we will not be able to use this service that is prompted by XXXX XXXX XXXX XXXX XXXX ( VIP ) for veterans like me. These are the trading services that have been promoted by XXXX VIP and now if our bank account is closed then will loose the year and a half banking relationship that we have established with Citi Bank, we would be pushed back to our state as we were in XX/XX/XXXX to start a banking relationship with a new bank.
Product: Debt collection

I worked with XXXX XXXX to help me repair credit about XXXX years ago there was a old debit from a car loan XXXX  years ago that was voluntary return I was on XXXX in and out the hospital at that time as my credit repair was being done the car was charged off XXXX XXXX got the charge off removed last year out of no where my check was garnished I almost lost everything I filed bankruptcy I work from home because of my health I am fortunate to have that but the garnishment hurt me financially I had to move it has been a challenge some person a lawyer that is on the paperwork I got from my employer has the garnishment for this account from XXXX  years ago that was charged off I didnt get any notice to fight this I am faced with having to pay the trustee every month I dont know how I can maintain to live like this I was told my only option to stop the garnishment was bankruptcy I am XXXX  years my health is not 100 % please help me if there is something I can do to stop this. 
Sincerely, XXXX XXXX
Product: Credit card

The XXXX of XX/XX/year> I made a purchase with my CAPITAL ONE QUICK SILVER CREDIT CARD FROM XXXX XXXX ON LINE SALES, I PURCHASED AN XXXX XXXX XXXX # XXXX PH # or ACCT # ( XXXX ) XXXX, I PAID FULL AMOUNT COST OF PHONE AND ACTIVATION CHARGES XXXX AND WAS CHARGED TO MY CREDIT CARD # XXXX. So I called CAPITAL ONE AND TOLD THEM THAT I DONT WANT TO PAY WITH MY CREDIT CARD A MONTHLY PHONE BILL of XXXX $ WITH XXXX XXXX BEING CHARGED TO MY CREDIT CARD AND CAPITAL ONE SENT A NEW CREDIT CARD ENDING IN XXXX SO COME XX/XX/year>XXXX XXXX XXXXE CHARGES XXXX $ TO THE NEW CREDIT CARD ENDING IN XXXX. SO I CONTACTED CAPITAL ONE TELLING THEM THAT THEY ALLOWED XXXX XXXX TO CHARGE MY NEW CREDIT CARD FOR XXXX $ AND I HAVENT BEEN USE THE ( XXXX ) XXXX ABSOLUTELY NO ACTIVITY ON THAT BILL PERIOD NO USAGE OF THE PHONE NO PHONE CALLS MADE FOR THE MONTH OF XXXX FROM THE DATE OF PURCHASE OR ACTIVATION AND I CONTACT XXXX XXXX XXXXXX/XX/year> at XXXX asking for a REFUND TO MY CREDIT CARD AND XXXX XXXX REFUSED TO.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX  Miscellaneous Reptg. Agencies XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Incorrect and Outdated Addresses from Credit Report To Whom It May Concern, I am writing to formally request the removal of all outdated and incorrect addresses listed on my credit report, except for my current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Upon reviewing my XXXX credit report, I noticed multiple old addresses that are no longer relevant to my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or outdated information on my credit report, and I am requesting immediate action to remove all previous addresses associated with my file that are no longer valid.

Addresses to Be Removed : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Reason for Removal : These addresses are no longer associated with me, and they do not reflect my current residency.

Having outdated addresses on my credit report increases the risk of identity confusion and potential fraud.

The presence of multiple addresses can lead to inaccuracies in my credit history, which I wish to rectify immediately.

Supporting Documents : I have attached copies of the following documents to verify my identity and current address : A copy of my government-issued ID ( showing my current address ) A recent utility bill or lease agreement confirming my residence at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX A copy of my Social Security card for identification purposes Action Requested : Per the FCRA, I request that you : Remove all outdated and incorrect addresses from my credit file Update my report to reflect only my current address Provide me with a revised and accurate copy of my credit report once these corrections have been made Deadline for Response : The FCRA requires credit bureaus to investigate and resolve disputes within 30 days. Please confirm receipt of this request and provide an update on the status of my dispute as soon as possible.

If you require further information, please contact me at XXXX or via mail at my current address.

Thank you for your prompt attention to this matter. I look forward to your confirmation that these outdated addresses have been successfully removed. 

Sincerely, XXXX XXXX Email : XXXX XXXX
Product: Debt collection

I was taken a look at my XXXX and I see I have a collection debt account for {$590.00} from TRANSWORLD SYSTEMS INC for XXXX XXXX XXXX  I have no knowledge of this company account with TRANSWORLD SYSTEMS for  XXXX XXXX XXXX  taken in XX/XX/2015 This collection on my credit report is hurting my credit score and I would like it removed
Product: Credit card

In XXXX of 2015 I closed my credit card accounts with NFCU and opened new ones due to a recent separation. They were supposed to arrive at the bank so that I could pick them up. They never were received and I had to reorder new ones. I ended up XXXX to XXXX with the XXXX. XXXX in XXXX and reporting to XXXX XXXX, XXXX, still had not gotten my new credit cards. Upon my return, I went to pay on my Navy Federal Credit Union credit card and they told me that my account was over drawn. I told them that it could not be and that I was not even in the country. They went on to tell me that there was a over the counter draft done on my credit card that was done in the branch at XXXX XXXX, XXXX. They told me that they would conduct a fraud case on this transaction and that they would get back to me. It was 3 months later when I had to go in to a branch of Navy Federal Credit Union in XXXX XXXX XXXX and ask them what had become of the case. They told me on numerous occasions that they were still working on this case and that they would let me know. I finally went back to the branch and they told me that the case had been closed and that it had shown that I has indeed the one who did this transaction. I explained to them that why would I have to go in to Navy Federal to do a cash advance in the counter when NFCU offers you this service online on their banking website/ I asked told them if I wanted to draw money off of my NFCU credit card, I could just transfer these funds on the website in to my checking. They told me that they had done their due diligence and they were closing the case. I then asked for the supporting documents and for them to show me the signed slip that was used to sign for the funds. They refused to do so. Finally, a young lady names XXXX XXXX who worked at the branch told me that she knew that they had been lying to me and that she could provide me this information via email. She said that they were wrong to not provide me a requested copy of the transaction and she then sent me the information that I requested. Upon looking at the information, they used old loan documents to verify the signature of the desk slip that was provided. The signature that I have on file does not match my actual signature. Even if you look at the documents that were used, my signature does not match. I also requested that Navy Federal show me the video footage from the transaction and they refused. They said that they could not show it to me. In the email and documents provided, they stated that my signature was verified by someone at that branch. I feel like someone from that branch stole my credit cards and used them. When they were told to verify this transaction, this is the person who was contacted and they said that the signatures matched. If you look at the attached documents, you will see that the signatures are similar, but not alike. Additionally, I was not in the state of XXXX when this fraud happened. Even to this day, NFCU put me on a payment plan to help me fix this issue, however, every month, they are reporting that this credit card it late, even though they draft the money out of my account monthly.
Product: Mortgage

Veterans United is unethical regarding how they apply additional funds paid in conjunction with monthly mortgage payments. Specifically, they are keeping the money from being applied to principal to reduce overall mortgage debt in a timely manner. 

XXXX XXXX - A detailed review of my account with VU servicing shows more than 12 months of extra payments being held as " Unapplied Funds ''. When I called the service center the agent told me that it was a VA Policy to do so in the best interest of XXXX XXXX veterans. I know this isn't true, so eventually I got a manager to admit that it is a VU policy, and that if I want to change it, I have to submit additional paperwork to have my extra payment amount applied to principal. 
I also called the VA Regional Loan Center - the VA Loan advisor that I spoke with said this is very unusual and should be immediately challenged and changed through a complain with the CFPB. 

After researching VA Servicer Handbook M26-4, RESPA guidelines , TILA, and 38 CFR 36.4311, it seems to me that VU is skirting the actual law and additional regulations in order to retain these extra payments without informing their customers. As a financial matter, these extra funds are likely providing returns to VU that are not being disclosed and/or shared with the Veterans who have made the extra payments. I'm not a lawyer, but if it isn't strictly criminal or a violation of regulation, the action is definitely unethical.