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

On XX/XX/XXXX, I received an email correspondence from American Express that my platinum card account & blue XXXX account were canceled immediately without any reasoning. The emails stated that I would have to tell my additional card members that the account was closed, I should destroy the cards, and that if I have any recurring changes that I contact the responsible company. The emails also stated I would receive this same information by letter. These letters did not arrive until weeks later but were dated for XX/XX/XXXX. 

The cancellation notification letter states that American Express decided to close these accounts for the following reasons : American Express ' assessment of my monthly payments on credit cards in relation to my average delinquent balance with American Express indicated by XXXX ( in which I was told to contact XXXX ), a recent payment was returned by American Express ( this was due to American Express waiting days later to deduct funds from my bank account rather than immediately when I placed my account payment ), the revolving balance on my American Express account is too high ( there was not a balance maximum for my Platinum card, and I was well under the maximum balance for my Blue XXXX  card ), and that the amount currently oustanding on my account is too high relative to the income provided on my application ( the balance was approximately {$9500.00}, however, my salary is well over {$120000.00} yearly ). In addition, these letters states that my FICO score was obtained from XXXX, and was used in their credit decision. My credit score on the letter was shown to be XXXX which is excellent. 

I called American Express on XX/XX/XXXX in order to resolve this issue and reinstate my accounts. The phone representative took my income information, and stated that she would then seek to reopen the account, and I would be notified by letter. On XX/XX/XXXX, I received a letter from American Express stating that they were unable to reinstate my account because I had an unpaid balance ( the same balance that I attempted to pay three times prior but according to American Express they had to return the funds back to my bank account for no reasons provided. 

I have paid my balance to American Express, and this was notified on XX/XX/XXXX, and shown on my XXXX Credit Card Statement, however, I was still then charged {$58.00} for balance interest for an account that is closed, and has no balance. I was denied the right to pay my balance to American Express and then received an interest charge. 


I have attached both rejection letters, both XX/XX/2021 monthly statements, my rejection reasoning letters, and XX/XX/XXXX Credit Report & XX/XX/XXXX credit report from XXXX.
Product: Checking or savings account

This issue pertains to my a ability to use my phone numbers ( XXXX ) and e-mail addresses ( XXXX XXXX ) with Zelle at XXXX and XXXX XXXX  where I have my personal and joint checking account, respectively. On XX/XX/2022, my numbers and emails were flagged by Zelle seconds after switching wireless providers. As soon the porting of my numbers was completed, I received an email from XXXX indicating that my number and e-mails had been removed from my XXXX profile. I tried re-adding both my number ( XXXX ) and e-mail addresses ( XXXX XXXX ) but continued to get an error message indicating that neither my number nor e-mail could be used with Zelle. I tried adding a different email but received the same message. I contacted customer support at both XXXX and XXXX XXXX, and they both indicated that Zelle had blocked my ability to use their service with my accounts but were not able to elaborate on the reason. Instead, they referred me to Zelle customer service. I contacted Zelle customer service in numerous occasions but all they do is refer me back to XXXX and XXXX, and once I called my financial institutions, they say that the issue is with Zelle and transfer me back to Zelle, where I am transferred back to the banks. XXXX of the many agents I have spoken to XXXX have mentioned that my numbers and emails XXXX have been flagged due to a violation of Zelle 's terms, but he did not specify which one, nor has Zelle contacted me with an official reason why my information is flagged. I have no idea what triggered this problem ( other than me switching wireless providers ) but would like to have an opportunity to address whatever the problem is. Zelle customer service, unfortunately, is unreachable and seems to be unable to provide with any information of what is happening. This problem has effectively crippled my ability to fully use my bank accounts at both XXXX and XXXX XXXX.
Product: Student loan

I received a loan ( at the time I did n't know it was a loan, I was told it was a grant ) for XXXX. The loan was from XXXX which is now Navient. When Navient kept contacting me as they still do, they just kept telling me to put the loan into foreberance to stop it from going into collections. They had the monthly payment at a set amount but never explained that I could lower the amount to accommodate what I can afford. I also did n't know the amount would keep going up while in forbearance, making it impossible for me to pay at all.
Product: Debt collection

A debt collector company by the name of online information services saying that I owed them {$800.00} something XXXX  I do not know who they are I do not owe them any money can you please remove it off of my account.
Product: Money transfer, virtual currency, or money service

Unauthorized transaction happened on my old Zelle and I wasnt helped to get my money back. So I changed my information on Zelle and provided the new one on the next page.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter for personal information correction was sent out to XXXX, XXXX, and Experian on my behalf for incorrect personal information reported on my credit report. A letter with my correct Name, Address, workplace, and state-issued ID was sent out on XX/XX/2021. XXXX  replied on XX/XX/2021 but failed to correct my personal information in completion. XXXX  and Experian failed to reply.
Product: Debt collection

OnXX/XX/2020 I received several alerts about a new account being added to my credit. I immediately go to check my credit, and I see a new collections account from a company called Franklin Collection Sv, XXXX XXXX XXXX XXXX XXXX, MS XXXX, in the amount of {$1000.00}. There's no original debtor listed from what I can see. These are the issues I have. 
1. I am a resident of the state of Florida. Florida law requires any debt collector to be licensed in the state in order to legally collect on a debt. I checked with the Florida Department of Financial Services and the Secretary of state, Franklin Collection Sv is not registered in the state of Florida. So their right to collect any debt here is non-existent. 

2. I have never heard of, nor received any documentation from Franklin Collection Sv informing of a debt, nor allowing me the opportunity to dispute said debt. They have recklessly attached a collections to my credit, without even having the decency of contacting me.
Product: Credit card or prepaid card

on XX/XX/XXXX I transferred {$2500.00} to my citi credit card ending in XXXX which it turns out did not exist ( Citi was switching the account from a XXXX to a XXXX and so had TWO accounts with different account numbers that were actually the same, which caused me to pay both 'accounts ' off and the overpayment of {$2500.00} XXXX. 

I have called Citi 5 different times, roughly once every month asking where the money is and when I would get it back. I have provided them with the routing and account number of my personal checking which they assured me months ago would be returned ( they  agreed to send the money back the day after the incident ), but I have not received any monies, or communication whatsoever. 

I am asking for the {$2500.00} to be returned with an assessed interest of 10 % ( standard return I would normally see from my money manager ) for each month they have held the money. The total I am asking for is now is {$3700.00} which is the total with interest as described. 

Below I have detailed transaction history as well : transfer from XXXX card to citi ending in XXXX - {$2500.00} XX/XX/XXXX CITI CARD ONLINE PAYMENT XXXX WEB ID : CITIXXXX  {$2400.00} {$4000.00} XX/XX/XXXX CITI CARD ONLINE PAYMENT XXXX WEB ID : CITIXXXX {$2800.00} {$6500.00}
Product: Mortgage

US Bank is my mortgage company. I live in XXXX XXXX Texas XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I had a fence burned up in a wildfire XXXX XXXX and my XXXX company has sent me a check for {$20000.00} and it is made out to US Bank and me. US Bank had previously told me they would sign and release up to {$20000.00} so I could move on with the repair work to the fence. There was no damage to my home, the only damage was a burned down fence around my XXXX acres. I have a XXXX who lost over {$100000.00} of livestock ( drowned in the floods ) who needs the work, but I ca n't get him started because the insurance check is {$760.00} over {$20000.00}, US Bank is wanting a XXXX, and notarized forms including a release of lien commitment form, another signed contract form, and then will require inspections on the fence. This is in a XXXX XXXX that was decimated by XXXX, and there are not going to be inspectors for this. Also, this is a ranch hand that will be repairing the fence, not some white collar guy who fills out paperwork, not to mention finding a notary in a rural community. I called US Bank for the XXXX time because it had been over a week since my initial request for an exception and no one will approve the release of the funds. I tried to complain and asked to speak with someone higher, and if there was an XXXX XXXX XXXX, I was told she had never heard of that and that the issue was being escalated to corporate and it would take another week. I was told that US Bank reviews exceptions on Tuesdays & Thursdays only and that I would just have to wait for my answer. Not only was my request not approved yet after a full week, now I can not even call anyone to escalate a complaint. This seems like very poor service/treatment. Please help me understand why a person ( who is in a XXXX declared disaster area from the worst flood in Texas history ) with an XXXX FICO with under 80 % XXXX who has XXXX missed payments with over 30 years of mortgage payment history can not get a {$760.00} exception to policy approved?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the Equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unverifiable, and false information consist of an insurance account, mobile phone account, and an apartment rental. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint # XXXX as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I received notice from Experian on XX/XX/XXXX they completed their investigation as the alleged debt belongs to me. But, my rights to dispute, verify and or validate have been denied due to the fraudulent address thats still listed on my credit report for XXXX XXXX XXXX. Ive tried to contact them numerous times to advise not only am I disputing the debt, but the statute of limitations in the state of XXXX  is 6 years. Per XXXX, this debt started XX/XX/XXXX, therefore per the applicable XXXX in XXXX  state, is now expired. XXXX XXXX XXXX did not respond to any of my certified letters. Lastly, I sent the same documents to XXXX as I did Experian and they remove the collection from my credit report XX/XX/XXXX. How am I supposed to properly dispute a debt if XXXX XXXX XXXX refuses to accept certified mail?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Complaint Regarding Credit Bureau and XXXX XXXX - Reinvestigation Failure Dear CFPB, I am writing to file a formal complaint regarding a recent issue with a credit reporting agency and XXXX  XXXX, specifically concerning the failure to reinvestigate and correct inaccurate late payment information on my account. This complaint is based on the provisions under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ).

Details of the Complaint : Account Holder Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Credit Reporting Agency Involved : Equifax Date of Dispute Submission : XX/XX/year> Background : On XX/XX/year>, I submitted a dispute to XXXX regarding a late payment reported on my XXXX  XXXX account. The disputed information inaccurately reflected my payment history and was not consistent with my actual payments. I provided supporting documentation to demonstrate that the reported late payment was incorrect. 

Issue : Despite my detailed dispute and the evidence provided, the credit bureau failed to conduct a thorough reinvestigation as required under 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). The inaccurate late payment information has not been corrected or removed from my credit report, negatively impacting my credit score and financial standing. 

Request for Action : I kindly request the CFPBs assistance in ensuring that : 1. The credit bureau in question conducts a comprehensive reinvestigation of the disputed late payment on my XXXX XXXX account. 
2. The inaccurate information is corrected or removed from my credit report as soon as possible.

3. I am provided with a copy of my corrected credit report once the investigation is complete. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any additional information. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a 5 year ARM home loan, the loan matured to my knowledge XXXX XXXX, my rate and payment are suppose to remain the same for the remainder of my loan. I was told I had a five year increase beginning XXXX XXXX and finishing XXXX XXXX. My payment as been the same since XX/XX/XXXX, now for no reason they are trying to change, increase, the payment, this is very unclear to me because I was told that this would not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to request that the inquiries being reported on my Credit File be removed in accordance with the Fair Credit Reporting Act. I previously sent a dispute letter on XX/XX/XXXX demanding the removal of the unauthorized inquiries being reported on my Credit File. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I expect that my rights will be respected. It has come to my attention that there are several fraudulent inquiries listed on my credit report that are in direct violation of the FCRA. I have already made and attempt to have these inquiries removed over the past few months, but they still remain on my credit file. I respectfully request that the following inquiries be immediately removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. If the Credit Bureaus believe that the dispute inquiries belong to me, I require the Credit Reporting Agencies to send me copies of documents proving such claims. In the event that no documents will be provided within the time allowed by law, I expect nothing but the deletion of the disputed inquiries.
Product: Credit reporting or other personal consumer reports

I am not liable for this debit with XXXX XXXX XXXX XXXX XXXX, I do not have a contract with NCB MANAGEMENT SERVICES, They did not provide me with the original contract as requested on multiple occasions from XXXX 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, I was informed that I attempted to apply for an  XXXX  credit card, which is totally false. While I do have an  XXXX  online account, I have never applied or attempted to apply for a credit card either directly or indirectly with  XXXX . All of my  XXXX  purchases are routinely paid using my debit cards, which is why I suspect my identify was used fraudulently to apply for a credit card with  XXXX    XXXX   USA. I learned of the attempt and subsequently decline of the application after I received a letter of explanation from credit bureaus. I have since disputed this inaccurate information with the credit bureaus, but was denied relief.
Product: Bank account or service

My bank, Chase, did not process debit card purchases/checks in the order in which they were received, and also waited an unreasonable amount of time to debit my account for several purchases. The result of this was an overdrawing of my account. 

For example, I wrote my girlfriend a check for {$630.00} as my share of rent. She deposited this check on the XXXX of XXXX, and my account was not debited until the XXXX of XXXX. 
I ordered checks on the XXXX of XXXX XXXX noticing I was out after writing one for my girlfriend ) and my account was not debited until the XXXX of XXXX. Meanwhile, all purchases I made using my debit card were immediately processed. This delay of processing checks and account fees XXXX IE ordering checks XXXX while immediately processing debit card payments has resulted in an overdrawing of my account. As an example of delays in processing debits to my account, you will see on my statement an {$80.00} ATM withdrawal, which is described in the statement as " ATM WITHDRAWAL XXXX XXXX XXXX '' indicating that I made the withdrawal on XXXX XXXX. On my statement, this is not debited from my account until the XXXX.
Product: Debt collection

I ask them to correct information on my credit reports from all XXXX bureaus and they have failed to do so. I had a car loan from CNAC in XXXX, WI and they sold a false claim to them in the amount owed by me.
Product: Mortgage

I initiated a mortgage application process with Chase on XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, everything moved smoothly. My credit was pulled and I submitted a large volume of personal documents, including two years of personal and business tax returns. I was told they were processing internally. Suddenly from XX/XX/XXXX, I stopped receiving responses from Chase. On XX/XX/XXXX, I finally received a response indicating because of health issues, they were transferring me to another broker. From that point, I have not received any response whatsoever, despite multiple calls, texts and emails from my side. I have tried contacting other team members of the mortgage broker 's team but have also not received any response. I'm concerned as they have hard pulled my credit and have a large volume of my personal information.
Product: Debt collection

I received an alert on my credit report XXXX/XXXX/2016 that Central Financial control placed on account on my credit report. However I have no received any information regarding this alleged debt. I 'm not sure what it is even for. The collection did not follow the proper procedures for the FRCA regarding notification before placing the item on the credit report. Texas Attorney general will also be notified in this matter.
Product: Student loan

I 'm contacting you all again because I get the best and quick responses after doing so but here 's the conclusion to my last complaint. 
You are eligible for a reduced payment with Navient Recovery of {$50.00} a month. After the third qualifying payment, your interest rate would be reduced to 0.001 percent for the remainder of the repayment of your loan, as long as your payments are made in a timely matter each month. You are welcome to call Navient Recovery directly at XXXX to enroll in this program. 

Now during the confusion of the last situation I was told I could be re-entered back into the repayment program under the same interest rates. Now I 've been sent to a debt collection agency ( XXXX ), who contacted me today. It was told to me that my loan had n't been overdue long enough to be sent to collections and I began to make payments through Navient once again. Since the last case I 've made successful payments on time in which they are automatically debted from my account. Now I 'm being told that I have to deal with this collection agency and I 've made successful payments with no mention of this. I talked to the collection agency ( XXXX ) and they too were confused because I 've been making payments. Once again I feel like something is fishy again and I 'm going to be ignored or transferred several times. I contact you all for your help and if there 's nothing to be worried about then I will like to hear it from you all. 

Thanks, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Product: Debt collection

We suspect that this a debt from our son  XXXX , probably a medical or hospital in MN?   He had a serious car accident in  XXXX     2011 in TX a nd has had emergency ER, maybe even ambulance service in this city where he was working? Son travels  24/7 so  we seldom hear from him except  XXXX .   HOW this debt collector got our personal phone number is a mystery but the daily harassment is disgusting. We answered more than once and told them that he does not live here but they continue to call.  <P/> Thank you for trying.    XXXX   XXXX