23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My mother, XXXX years old, impaired, was a victim of fraud. She went to Citizens and had them attempt a wire to the fraudster. The wire failed, and Citizens knew the reason for failure was high suspicion on fraud as noted by their fraud agent. It was an attempt to wire to a XXXX year old man, whos account was just frozen. Further, they sent this wire, with my mother name and with my name ( now exposing me to this fraudster ). I am a co-signer on her account. They never told my mother of suspicion of fraud, and as she thought they just couldnt do what she thought she needed done ( dire need she was lead to believe to help her grandson ), and she preceded to withdraw her life savings in two {$25000.00} increments. Her initial visit to Citizens was on XX/XX/2019. Follow on visits twice to make these large withdrawals on XXXX and XX/XX/XXXX or there abouts, and at no time did Citizens help or advise her of fraudulent activity against the elderly. At no time did they contact me though, they had no issue putting my information on the attempted wire without my permission. My mother went down the street and made the wires unfortunately. She had never touched her savings before, never did these kinds of withdrawals, never did a wire. Citizens should have been forthright with the info on the attempted wire to alert her or call me to avoid what apparently was obvious fraud to the bank.
Product: Credit card or prepaid card

I was approved for an Avant Credit Card on XX/XX/XXXX. I received an e-mail XX/XX/XXXX that my was card has been activated. Also on XX/XX/XXXX the card that was activated, {$620.00} was charged on the card. I called Avant on XX/XX/XXXX @ XXXX spoke with XXXX ( Avant Customer Service Department XXXX, informed her that I never received the card and I did not activate the card ; I also informed her that I did not make the purchase of {$620.00}. She transferred me to the Fraud department, I spoke with XXXX and made her aware of the information above. She canceled that card and issued a new one. She advised me that Avant is the only one that can credit the amount back to my card. On XX/XX/XXXX @ XXXX I called back to Avant Customer Service spoke with XXXX until XXXX, she stated she will make sure the matter is resolved an escalated to a Manager and Supervisor have them to call me back, she told me the purchase on XX/XX/XXXX, was made at XXXX 's XXXXXXXX XXXX XXXX XXXX, I looked up this store number on the internet and found this store is located in XXXX Maryland XXXX I have called Avant Customer Services Department daily with no resolution, I kept being bounce back and fourth to fraud department that keeps bouncing me back to Avant Customer Service. On XX/XX/XXXX I received my new card. On XX/XX/XXXX I called Avant spoke with XXXX to see why my new card has been locked. Per XXXX my card was locked due to frequent activity and need a copy of my drive license. I sent a copy of my drivers license to Avant on XX/XX/XXXX @ XXXX. On XX/XX/XXXX, XXXX I received an e-mail from Avant indicating they received my license information. I continue to call Avant Customer Service XXXX to follow up on my fraud claim, still was bounced around no return calls from Manager and or Supervisor, which I requested during every call. Finally on XX/XX/XXXX, I was informed that my Fraud Claim Specialist is XXXX and she would be handling my case. I called XXXX everyday and left voicemail message with no return phone call. On XX/XX/XXXX @ XXXX, I received an e-mail from XXXX XXXX she is handling my case, she request a police report. I contacted the XXXX XXXX XXXX department spoke with an officer, made him aware of what went on with my credit card on XX/XX/XXXX. He stated they do not investigate fraud activity on credit card or bank accounts. It's the responsibility of the credit card company or bank to do their own investigation ; the only thing he could give me would be a call number. I sent XXXX a response on XX/XX/XXXX @ XXXX. As of today the fraudulent activity on my card has not been resolved or investigated by Avant with the XXXXXXXX XXXX XXXX. I can prove that I was at work during the time of the charges on the initial credit card, I made Avant aware of this information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Report # XXXX for XX/XX/XXXX Re : XXXX XXXX : XXXX ATTENTION : EXPERIAN DISPUTE DEPARTMENT With all of these inaccuracies how were you able to verify this account XXXX XXXX : XXXX? How are you able to insert the comment meets requirement of the Fair Credit Reporting Act when clearly this listed account has several inaccuracies. It is the duty of Experain to complete a thorough and independent investigation and not just minic what the creditor have listed on all accounts on each credit file. 

I have never done business with XXXX XXXX yet Experian lists an open date of XX/XX/XXXX? How is this accurate? 

If I have never done business with XXXX XXXX how does Experian list a reported term of 1 month? How is that accurate? 

There should not be a credit limit on a collection account yet Experian lists a credit limit of {$1400.00}. How is that accurate? 

There should be no late payments on collections account yet Experian lists a late payments status since XX/XX/XXXX. How is that accurate? 

There should be no past due amounts on a collection account yet Experian lists a past due amount of {$1.00}, XXXX. How is that accurate? 

This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains as XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

I opened a prepaid credit card and had the card for about a year, the limit of {$300.00}. you could not go over the limit because the card was setup that way, ran into a bit of work issues and wasn't able to make on time payments. Fifth 3rd bank decided it in their best interest to close the card, at which time the cards balance $ XXXX.they had my {$300.00} to clear the account but failed to do so, to this date they are still charging me interest and reporting to the credit bureau I now owe {$470.00} in late fees and over the limit fees. I called them and they try and say they can continue to charge me and report to the credit bureau, I am so confused how they can do this, I need help
Product: Credit reporting or other personal consumer reports

On my Credit Report, I saw a collection account from a debt collector acting on behalf XXXX XXXX XXXX. I was able to retrieve the lease which was active at a time. I had my own lease with a different leasing company. Also, the email used to sign for the lease is not mine either. I wrote to the debt collector who has not responded and refuses to remove this debt off my credit report. I reminded them it is illegal to report accounts on my credit report for which isn't mine. Experian, XXXX, and XXXX have not responded to my disputes and requests for the account to be removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/XXXX XXXX and GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX and GM FINANCIAL with no successful resolution. XXXX, XXXX, XXXX reporting me late. There was definitely an error on their part. I was never 60 days late ( XX/XX/XXXX, XX/XX/XXXX ) and I was never 90 days late ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information has been attached to my consumer account. I've never lived at these addresses or owned the phone number attached. I have dealt with fraud in the past due to data breaches on behalf of this company and I am concerned about the safety of my information being harvested due to this. I would like EXPERIAN to remove all inaccurate information from my consumer report before any further damage can be done. 

At this current moment, one of the addresses is connected to a teacher 's agency. This information is displayed on my consumer report as I type this. 

I have only one address that I have had for over 12+ years and one phone number I have had for 13+ years all other information doesn't belong to my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I received a copy of my credit report and I noticed 3 accounts that are listed on my credit that are not mine, and I never applied for and never used.
Product: Debt collection

I was XXXX XXXX XXXX XXXXXXXX, 2023, XXXX was stolen along with my ID, bank and credit cards and other valuable items. I contacted XXXX via phone and going to store, only to be told they couldnt help me because I didnt know my pin. Couldnt get a replacement under my insurance plan because I didnt know pin. I never received a bill but received a collection letter at my grandparents house. As a victim of crime its unfair that company couldnt help me before canceling my account. I filed dispute with debt collector and see that the problem was the bills were being sent to the wrong address. I contacted XXXX and they said its nothing they could do because they reported to collection agency already .I have a police report for proof. Just dont want collection agency to place on my credit report due to unfair communication from XXXX. Notice the wrong address on bill and grandparents address on collection letter.
Product: Debt collection

Recently my wife XXXX and I tried to obtain a new car loan. A collection appeared from XXXX XXXX XXXX that was purchased from Capital One. The account shows a XX/XX/2017 transfer date. The account is being intentionally re-aged by XXXX XXXX XXXX, even though the timeline for collection is already passed, and Capital One did not get permission from our bankruptcy trustee to sell the debt. The debt must be transferred back to Capital One, no exceptions. The account is fraudulent and can not be rectified as Capital One has already purged our files. This account is in violation of all existing protections under the U.S. Bankruptcy Code as well as the Fair Debt Collection Practices Act. This collection must be deleted permanently!!! 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Status Date Reported XX/XX/XXXX Payment Status Repossession/Foreclosure Account Status Derogatory Account Details Bureau Name CRESCOCAP Account Number XXXX Account Type Lease Responsibility Individual Original Loan Amount {$57000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Date of Last Payment XX/XX/XXXX Monthly Payment {$1100.00} Term 50 Months Payment Frequency Monthly ( every month ) Worst Pay StatusUnknown Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NE XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX  - Account Number : XXXX - BALANCE {$19000.00}
Product: Mortgage

I started a streamline refinance the 2nd week of XXXX due to covid I wanted to lower my payment so unemployment would cover my Freedom mortgage Loan Spoke to XXXX XXXX XXXX XXXX on XX/XX/XXXX 2020 Again on XX/XX/XXXX20 He told me to skip XXXX XXXX payments and pay XX/XX/XXXX payment, Didnt notify me of anything Else didnt enforce to pay Id refinance didnt go through during the process, my credit was affected by their negligence and lack of communications. I have all the digital documents they made me sign and refuse to fix the problem. 

XX/XX/XXXX20 it was transferred to XXXX XXXX XXXX XXXX who sent me digital paperwork XX/XX/XXXX2020 XXXX/XXXX20 Another loan person contacted me XXXX XXXX through email only never a phone call advising me to contact XXXX not rectifying the verbiage used by XXXX or letting me know anything really. 

XX/XX/XXXX20 Contacted customer service who was awesome letting me know all supervisors would be notified XXXX no one called me back XXXX spoke with A XXXX, XXXX they placed me in forbearance due to unemployment not paying until late may. 

XX/XX/XXXX20 Ashimi ( in charge of my case ) notified me my credit issues would be fixed in a couple or a few days not months and she would call me back, also said she didnt have a number just her ID which I forgot. 
I explained the entire situation she said it will be fixed. 


Today to this day they have not fixed my credit it actually decreased from XXXX to XXXX due to their error, I have called and Requested them to fix my credit at least, since the refinance was cancelled on my part because of the emotional trauma this has caused me. With everything going on with covid affecting my city immensely and all the anxiety caused by this company I dont understand how they are still in business. Freedom Mortgage is an appalling company and the loan department needs to be investigated from lying to entice a sale to lack of communication and ruining credit on their customers. I told them I work for. Federal company who requires a good credit report and have yet to care.
Product: Debt collection

My Minor nephew signed me up for a XXXX XXXX membership without my approval or knowledge. Once I found out I called to cancel, but they ( XXXX XXXX ) said they could not because it was a years term. I explained I did not authorize the membership, I did not make the sign up, I did not ever activate the membership nor ever use it! They did not care. 

I started receiving collection calls over and over from XXXX XXXX and I explained the same thing, they didn't care. 

NOW, all the sudden, WITHOUT written notice, I noticed today I have a collection account on my credit report showing I have a collection from Midwest Recovery. 

I received a call from MWR and told them I did not authorize this account, and I was told I would be removed, this was 2 days ago, now there is a collection ... THE ONLY NEGATIVE ITEM ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I find out new collection account in my credit report with EXPERIAN. 
Account name XXXX XXXX XXXX, account number XXXX, account type : XXXX  Original name : XXXX XXXX XXXX XXXX, date opened : XXXX {$150.00}. 

I have never had any dealings with this company. First of all, I asked them to provide proof that this debt is mine, and they failed to do so. If they can not verify my information, please remove this account from my credit report immediately. I am aware that such requests must be addressed within 30 days. 
If they can verify that this account belongs to me, they should provide the following : the method of verification, the original contract with my signature, and my SSN. Only with such evidence can this account be verified. 
However, I am confident that they can not provide this information because this is not my debt. 
Please REMOVE THIS ACCOUNT from my credit history as it is significantly damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This happened in XXXX and it is now XX/XX/2019 and it seem as if this will stay on my report for 2 years. I am paying for something that was not dont by me. Macy has told me countless times they told XXXX to remove this inquiry. While XXXX have told me that they have not received anything from Macy about removing this Fraud Inquiry. I am sick and tired of these two companies failures to fix this problem. Macy knows that the application that they received was not even in my name and did not even have my social security number so why is it so hard to fix an mistake you made
Product: Checking or savings account

From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX Due to the pandemic. During this time in my absence somebody gained access to my personal information. Someone made unauthorized transactions from my checking and savings USAA accounts. I did not have access to my USAA account in XXXX XXXX it does not work so there was no way I could make the transactions. I contacted the bank to inform them of this situation. USAA bank customer service department told me that they would investigate and notify me once they had their outcome of the investigation. As of XXXX, the XXXX XXXX I have not received any e-mail or regular mail regarding this situation the account remains negative. I sent in all my supporting documents and the police report.
Product: Credit card or prepaid card

XX/XX/XXXX : Received promotion email for my Uber credit card regarding earning {$400.00} in additional Uber Cash on everyday purchases. 
Promotion terms : Use your Uber Credit Card to earn an additional 5 % Uber Cash for every {$1.00} spent on grocery store, drug store and restaurant purchases, up to {$200.00} Uber Cash, from XX/XX/XXXX to XX/XX/XXXX. 
Plus earn an additional {$200.00} Uber Cash if you spend at least {$3000.00} on purchases from XX/XX/XXXX to XX/XX/XXXX. 
All Uber Cash earned from this promotion will appear on your statement 6-8 weeks after the end of the promotion. 

Early XXXX : Called customer service to make sure I was enrolled into the promotion and said I was enrolled correctly. 

Before XX/XX/XXXX : Completed over XXXX  ( almost XXXX ) in purchases on my credit card. None of the purchases were used with a mobile or wireless card, only the physical uber card. Transactions were all in-store. My credit card was never closed and the product was never changed. My account to this day is open, active, and in good standing. 

XX/XX/XXXX : Terms said to wait 6-8 weeks after the end of the promotion for the Uber credit to show in my statement. 

I called customer service and they told me to wait until the end of the statement which for my case was XX/XX/XXXX. 

XX/XX/XXXX : No bonus posted yet. I called and started a case regarding not getting credited for the promotion. Case # XXXX Representative told me to wait 7-10 business days for either a letter/e-mail regarding the issue which was forwarded to the necessary department to look after. 

XX/XX/XXXX : No bonus, no correspondence from Barclays whatsoever.
Product: Credit card

Subject : Complaint Regarding Cancellation of American Express Account and XXXX XXXX XXXX XXXX - Case ID : XXXX Dear CFPB, I am writing to file a complaint regarding American Express and the recent cancellation of my American Express XXXX XXXX XXXX XXXX account XXXX I am extremely frustrated with how they have handled the situation, and I believe their actions have caused undue stress and financial harm. 

Background : I had a perfect payment record with American Express : no late payments, no balance, and no debt at all on the account. 
On XX/XX/year>, American Express cancelled my account without any prior warning or explanation, despite my perfect record. 
At the time of the cancellation, I had accumulated XXXX XXXX XXXX points, which were stored on my American Express account. 

Issues : After receiving the cancellation notice, I was informed in writing that I had 90 days to redeem my rewards points. 
For the past 30 days, I have been diligently calling American Express to redeem these points. Initially, I was told that the points would be converted into a balance that I could request as a refund. This was a suitable resolution for me at the time, but it has yet to be fulfilled. 
I have called American Express five times since then and even have a case open with them under Case ID : XXXX. I was told to wait XXXX business days for the matter to be resolved, but today marks XXXX business days with no resolution. 
When I called back today, I was told by a supervisor that the case would need to be re-opened, further delaying the process. 

Concerns : I believe this situation constitutes fraud. I spent my hard-earned money to accrue these rewards points, and those points have monetary value. American Expresss refusal to allow me to redeem my points, despite their prior assurances, is deeply concerning. 
I am entitled to the rewards that I earned, and American Expresss delay tactics feel like an attempt to withhold these benefits. 

I request the CFPBs assistance in resolving this matter and ensuring that American Express upholds its commitment to allow me to redeem my rewards points. Their lack of follow-through and continued delays have caused significant inconvenience, and I believe they are acting in bad faith. 

Thank you for your time and attention to this matter. I look forward to your help in getting this issue resolved.
Product: Debt collection

Re : Dispute of Account Number : XXXX ( XXXX XXXX ) To Whom It May Concern : I am writing to dispute the validity of the debt listed on my credit reports with XXXX, XXXX, and Equifax, under the account number XXXX, associated with XXXX XXXX. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am demanding that you provide me with the name of the original creditor of this account.

Furthermore, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt, along with a detailed breakdown of how this amount was calculated. Please note that this request is solely for the purpose of verifying the accuracy of the debt amount as mandated by law.

I am also aware of my rights under the Fair Credit Reporting Act ( 15 USC 1681b ), the Fair Credit Billing Act ( 15 USC 1666b ), and the regulations set forth by the Consumer Financial Protection Bureau ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ), as well as the Fair Debt Collection Practices Act ( 15 USC 1692c, d, e ).

I expect your agency to conduct a thorough investigation into this matter and provide me with the requested information within the statutory timeframe of thirty days. Failure to do so may result in legal action to ensure compliance with the aforementioned laws. 

Please confirm receipt of this dispute letter and promptly initiate the investigation process. 

Sincerely,
Product: Debt collection

Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Ref. Number XXXX - XXXX XXXX Dear Stillman Law Office, I am writing in response to your letter regarding the above-referenced matter. However, I am disputing this collection for the following reasons : The legal services provided by XXXX XXXX were rendered to XXXX & XXXX XXXX XXXX, not to me personally. 
The owner of XXXX XXXX Firm did not provide adequate representation as per the terms of the contract.for XXXX XXXX XXXX  I disagree with the unprofessional services provided by XXXX XXXX. 
Therefore, I request that this collection be removed from my personal name. Additionally, I ask that you notify all credit reporting agencies of this correction. 
Please be advised that if this collection remains on my credit report after XX/XX/year>, I may pursue legal action to protect my personal credit. 
I hope this matter can be resolved in a professional and timely manner. You may reach me via email at XXXX. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This company bank is corrupt they sent me a letter by mail telling me a payment solution may be available if I call them I need a settlement after loosing my job I dont have the money and have stopped paying them for this reason when I called they refused to help And said no to their letter and settling this account for less than the full balance Im still without a job and dont have the full balance