23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On a XXXX XXXX, XXXX XXXX, 2015, I was away XXXX miles away from home. I need to get cash to put gas in my car, but unfortunately my debit card did not work and I tried to use my American Express Optima Card. The card did n't work at the gas station because it has low balance and usually gas stations block {$150.00} in order to use the card. I called American Express and requested to get cash back and a pin ( received the pin ) or extra emergency cash so that I an get home safely and put gas in my car. The American express representative told me that if I tell her the exact address where I was, she will provide emergency cash. I left the car and went to the nearest cafe to ask for exact address and zip code. When I called American Experss back, they refused to provide assistance with even {$20.00} cash. So I had to use strangers ' help in order to get home safely on XXXX XXXX. I am very upset and disappointed in lies of American Express representatives who put me through enormous stress and emotional distress and danger on the road. Yesterday, XXXX XXXX, an American Express rep called me and assured me that he was going to call me today with a possible resolution and he did n't call back. What American Express did was a violation of the Fair Credit Reporting Act - deceiving customers. I had to write a {$200.00} check to strangers to help me to get home, while American Express deceived me and did n't provide promised assistance and this assistance is in the credit card agreement.
Product: Debt collection

I have never received and verified information regarding my account. I have never received any type of written documentation about this account or any type of bill for this amount due. I would not jeopardize my credit file for a XXXX dollar account. At no time have I received anything from the original creditor or the collection agency. If the debt is mine I thought by law they in fact have to prove it is mine.
Product: Checking or savings account

I opened an account with E-trade the beginning of 2022. Since XXXX I have spent over 20XXXX hours on hold trying to get my account unlocked. Soon as they unlock it, it gets locked again. XXXX XXXX was looking into this and supposed to get back to me when resolved, This was back in XXXX. Now he no longer responds to emails etc. I have also sent email to XXXX XXXX and no response. Every time I have to call there is a 3+ hour hold time and then soon as I hang up my account is locked again and it's back to the beginning. I just want to get this closed out as I have never had such bad experience. They denied a check when there was plenty of funds for it to clear and would not pay the {$32.00} fee I was charged by my credit union for the returned check. This is the worst institution I have ever dealt with. Please help.
Product: Credit reporting or other personal consumer reports

My account with Mariner Finance was closed in XXXX. Mariner Finance continues to report late payments on my credit from XXXX until XXXX. There should not be any late payments on a closed account
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - DATE XXXX UNAUTHORIZED INQUIRIES : 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: Debt collection

I XXXX XXXX entered into a consumer credit transaction with CAPITAL ONE AUTO FINANCE via XXXX XXXX XXXX ON XX/XX/2022 A consumer credit transaction in which a finance charge was involved.15 U.S.C 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but CAPITAL ONE AUTO FINANCE, and or XXXX XXXX in fact took {$5000.00} cash. The finance charge is supposed to include insurance but CAPITAL ONE AUTO FINANCE, and or XXXX XXXX XXXX made me purchase insurance separately. I was also forced to purchase a an extended warranty as well. CAPITAL ONE AUTO FINANCE and or XXXX XXXX XXXX failed to provide disclosure of obligors right to rescind under the provisions of 15 U.S.C 16

35. Further pursuant to 15 U.S.C 1640 they are now criminally and civilly liable.
Product: Checking or savings account

I have been a customer of Chase bank for many years. Recently, I was subjected to an elaborate identity theft and wire fraud situation that turned my life upside down. Immediately upon learning that my escrow account was not held by the right party, I contacted Chase within the same day to explore my options and process a recall to give me the BEST chance to recover my funds before being liquidated. I talked to three different individuals, my husband called too, and was not serviced. We were shuffled between departments and instead of processing a courtesy SWIFT wire recall, we were told youll get your money back. Call back tomorrow. Right at opening time the following day, I called Chase and was sent to the claims department. After telling them what happened, they sent me to the wire department. The wire department listened to my situation and told me no, you need to process a claim and go to the claims department. Again, a SWIFT recall still had not been submitted to give me the best chance at getting my money back. After being transferred to claims again, I completed a claim as instructed, but it still didnt fit my particular issue. I took it upon myself to call Chase back again and try to get to the wire department. I finally got an individual who said they will just now process a SWIFT recall ; almost a full day after I called the first time. He told me then, Id receive my funds back because typically it takes 1 processing day for the recipient bank to process wires. A few hours later, I call Chase for a status update and talked to several supervisors to understand why I am being told different things by XXXX associates, asked to go through different processes, and ultimately, why wasnt a SWIFT recall processed the first time I called, when it had only been several hours since the issue and Id have the best chance of regrouping my funds. The Account Supervisor, XXXX, first lied and said they did process a SWIFT recall yesterday. I corrected her that they had not, and it had only happened today, when I called in the 6th time. She says Oh, well I see they tried to press the cancel button, same thing ( its not ), but it wouldnt matter if we even did the recall yesterday or not. I am absolutely appalled by the careless attitude. Every single minute counts when you are moving against internet fraud. If the recall would have been processed yesterday, I would have had a full day to get ahead of the funds being liquidated into an anonymous currency and strengthened the likelihood that my funds would returned. 
Chase sent me to several different departments all reassuring Id recoup my funds when in reality the proper protocol would have been to immediately request a SWIFT reversal since I contacted them with hours of the erroneous transactions. I am now out of my life savings and chase says it wouldnt have mattered if the would have processed it when I called. Their lack of care and urgency and incorrect information has put me and my family at a significant disadvantage and I am forever scarred.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX  Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX REPOR Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Student loan

My student loans have been in a deferred status since I left school in 2014. My student loan servicer is reporting two periods of delinquency, where my loans are being reported as more than 120 day past due. I never received any notice that my deferred was ending or that my payments were late. I believe that this reporting is incorrect.
Product: Debt collection

I went to the offices of Foster & Garbus who are debt collectors. When at the offices i signed an agreement to pay off my debt that they represent ( XXXX ). While there I provided documentation for the initial payment thru XXXX XXXX. When it came time for my second payment I was instructed that my settlement agreement was nullified due to non-payment of the first stipulation payment. Upon investigation it was Foster & Garbus who was in error because the funds sent for payment was confirmed by XXXX XXXX that they received the funds and the voiding of my stipulation was in error.
Product: Checking or savings account

I have multiple over drafts fees throughout the 13 years I have been with Wells Fargo over XXXX
Product: Credit reporting or other personal consumer reports

I have provided Experian with all up to date information for my credit report as Experian has accounts that are still reporting an their closed. I have reached out to Experian to get these accounts removed from my credit report and they had failed to do so. Every time I call Experian they never are able to speak with a customer service support member no one answers.
Product: Checking or savings account

I would deposit large sums of my paycheck into this account to save money for future bills or purchases and also as an emergency fund. Nobody was on the account or authorized to access this account. It was in my name only and until an employee,  XXXX   XXXX , while working as an employee of  TD Bank had given my account information and balances to my wife which caused me to get kicked out of the house and divorced. This has caused all sorts of financial and emotional turmoil. I contacted the bank and filed a grievance. An investigator  called me from the bank to take down my statement. I have not heard from the bank since, but have learned that the employee was fired over it.
Product: Debt collection

Credit company TSI ( Transworld Systems Inc. ) called trying to collect debt owed to XXXX XXXX XXXX. I did not recall the doctor or time frame right off the bat. Was informed the credit company would investigate and get more information from XXXX XXXX. A week later I receive a bill that stated {$4200.00} and then noticed that the bill was suppose to be {$3400.00}. Not only was he over charging me but also noticed with the paperwork that I received from TSI was my Medical Record Chart that explained my procedure, my past medical history, and background information as in my health. I learned stuff about my procedure that I did not even know about. Not only is this against my HIPPA rights but XXXX XXXX also over charged me. 
I know now what the bill is for due to receiving all my information in the mail. I have no issue paying my bill but I do have a issue with my information being sent around without my consent. At that time frame I was unemployed with no health coverage and ran out of time to apply for Charity care. 
For proof I would of believed a bill would of been sent to TSI not my medical chart. My medical information was faxed to TSI, and was shared wit TSI and then mailed to me. And the envelope had a tear upon arrival. 
I have filed a report with the Department of Health and Human Services as well.
Product: Mortgage

{ ****The loan did not close M & T Bank Refuse to refund the money $ XXXX }. 



M & T Bank, Per your request the rate today is 3.75 % for a 15 yr. term on a VA Refinance . Your Closing cost is estimated between XXXX which was included in you loan.. ( ****The only upfront commitment fee M & T Bank requires at the time of application is {$270.00} by visa or MasterCard the day you apply. That is part of your closing cost and will be credit towards your closing cost at your final closing****.. } VA will charge .50 point to your loan unless you are a XXXX veteran.. The fee will be XXXX and again I have included that into your loan as well ... Your total interest saving will be {$21000.00} and your payment will be XXXX less per month for a 15 yr. term.. Your new payment will be {$1300.00} includes Taxes and insurance. 

Let me know if you have any further questions.. 

Thank you. 

XXXX XXXX Mortgage Consultant XXXX # XXXX M & T Bank XXXX XXXX XXXX XXXX, NY XXXX XXXX x XXXX Fax ( XXXX ) XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

I haven't had " XXXX XXXX '' or any of their subsidiaries for years. Once I tried their services in 2007 but since I have had a competitor. On XX/XX/XXXX I get a notification from a collection agency saying that on XX/XX/XXXX I let my " XXXX XXXX '' debt go into collections. I had their competitor on that date. A salesman came by and offered to start services but I declined. It looks like he signed me up anyway. 

I do not owe " XXXX XXXX '' a XXXX.
Product: Credit card or prepaid card

My additional Card holder XXXX XXXX 's wallet was stolen back on XX/XX/2021 in his wallet was his Saks Master card along with his other credit cards, I reached out to Capital One Saks Letting them know his wallet was stolen and we need to make sure there is no fraud on the account as his other cards were already used without his permission, when I spoke to the agent she said she would get me to Fraud but instead hung up on me, I then Calle back a second time and was told the fraud department is too busy and can not assist me, this is absolutely unacceptable, I have had nothing but problems with Capital one and Saks since having this account, this card has FRAUD and we need to get It closed down reissued and the fraud charges removed immediately to be told I can not be helped and they can not transfer me is unacceptable, please get XXXX card re issued, get the Fraud charges removed immediately!!!! I dont even know what charges are on the account because I can not speak to someone to help me!!!!!! The last valid charge on the account was from XXXX XXXX for {$470.00} anything beyond that charge is fraud and it needs to be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a complaint before with CFPB about fraud and identity theft using reporting and selling my data and information without my written consent from me. It is called fraud and Identity theft when your information and data are gathered stored sold and that information is making you be seen in a bad light. My privacy is important and should not be sold by an agency to all to examine. My name and any derivatives of it are copyrighted on the public record and can not be used unless written permission with my wet signature. No Credit Reporting Agency, XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX or any other corporation, court municipalities, Federal, or State is allowed to use it without my wet signature, Debt collectors that have been given and sold my information have violated my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have tried to dispute an item with Transunion listed as XXXX XXXX XXXX. This account is not mine and the information they have is not accurate. They refuse to remove the item despite this inaccuracies. I have sent to them proof of this and it still returns as verified by their e-Oscar system and stays! I have attached my full complaint as well as supporting documentation.
Product: Bank account or service

Pursuant to an Order of Court on XXXX XXXX, 2015, per XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX, Sec. XXXX, ( XXXX XXXX XXXX XXXX, XXXX ) In the Matter of Succession of XXXX XXXX XXXX, I was granted immediate possession of all funds in Chase Bank Account No. XXXX. It has been almost 3 weeks since I first contacted Chase to deliver these funds, and Chase will not commit to a date by which these will be delivered. Chase has no right to retain money that the Court has ordered to be paid to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account : XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions.
Product: Credit card or prepaid card

I applied for a XXXX credit card from Comenity Capital Bank to get a first-purchase 25 % off deal several month ago. I got a letter from them, which asked me to submit personal information to check my eligibility for credit card. I replied to the mail based on the instructions from the letter and got a XXXX credit card on XX/XX/2022. When I tried to purchase an item on the XXXX website on XX/XX/2022 several times, the transactions failed every time. As I contacted the Comenity Capital Bank customer service team, they explained that my credit card had been opened as a fraudulent card, and you could not use it, then she added that the only way to use the card was to reapply another card. I was embarrassed since I correctly submitted the information, and there was no reason to have a fraudulent card opened. I can access my XXXX credit card online account without any issues and there is no information on the fraudulent card issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that need to be removed are listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, As i was reviewing my credit report and I noticed that I have a few fraudulent accounts on my report. Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Debt collection

Collection agency calls and then quickly hangs up, they have been doing this for the past few months.