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

On XX/XX/2020 ( or around there ), I called AMEX customer service regarding about my Platinum credit card which {$550.00} annually fees charged to my account. At that time I can't make decision to keep Platinum or downgrade to Gold card. Due to coronavirus, I think about my travel plan will be much less and think may be wait for another year and switch back to Platinum. However, I remember reading online I might have issue with bonus points I got from year before from upgrade to Platinum. Therefore, before deciding to downgrade I did ask the AMEX customer service member " Is it OK for me to downgrade to Gold? ", she replied there is no problem but I have to pay {$250.00} annual fees and I said I understand that. Recently, I got an email from AMEX stated that they took back my XXXX bonus points due to the downgrade!!! I called customer service number in the back of my card and explained to her my situation. She told me don't worry about it since I was misinformed and I have been doing business for 23 years and then she filed a claim for me. Today I read a message from AMEX to refuse to consider my case. I called back AMEX Customer Care XXXX which I got from chatting online with AMEX customer service. He tried but finally told nothing he or AMEX can do even I tried to explain him I was misinformed or it was a honest mistake since I trusted customer service. Finally, I even asked what should I do with a negative more than XXXX points. He said nothing beside using the Gold card until I paid off the points or my account will be default if I cancel it. Using a card which I don't trust anymore until to pay back all the points and don't know what next it could result in several annually of {$250.00}.
Product: Money transfer, virtual currency, or money service

XXXX This is the reference number for filling Identity theft. Also Ive file for my ssn to be placed on fraud alert. Once again this situation occurred on XX/XX/year>, which my Identity was stolen by a possible cash app employee which XXXX is registering them to be in XXXX. They were able to access my full cash app profile and change all my personal information to their information which listed them in XXXX and was able steal my available funds in Cash App and also drain my checking account with XXXX point credit union ( XXXX ) dollars. I have sent in numerous of documents to prove that this has to be an inside job. Cash app has not being able to provide any information on why an employee was able to steal my identity from me or further investigate on who is behind the fake cash tags and phone number listed in XXXX. I havent been given information showing how this person is still able to hack into my cash app account and make changes even after stealing my money on XX/XX/year>. I Set up more protection steps that Cash app advised me to do and the profile got change again on XX/XX/XXXX, XXXX situation needs to be taken serious immediately and looked into. My Identity definitely has been stolen and is now reported. This person that is logging into the cash app account is XXXX XXXXXXXX and was able to send the money to XXXX XXXXXXXX XXXX the total amount is XXXX. I would like full documentation on why cash app has declined my refund. The screenshot proves the same thing Cash app is seeing that someone has stolen my ID and logging into my Cash App from a different location ( CA ). Cash App has documentation saying they protect their customers from fraudulent events. But at this time Im not protected and out of my money due to Identity Theft by a possible employee. Please research further!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open car loan with Bridgecrest through XXXX. I got into an accident XX/XX/XXXXXXXX  and my vehicle I was financing was deemed total loss on XX/XX/XXXX. My current loan balance at that time on XX/XX/XXXX was {$17000.00}. My remainding balance was paid in full by both XXXX XXXX insurance and XXXX XXXX ( XXXX ) coverage. I also was due a refund from XXXX for {$490.00} which was paid to my account on XX/XX/XXXX leaving my balance at {$17000.00}. {$17000.00} - XXXX ( XXXX ) = {$14000.00}. {$14000.00} - XXXX - XXXX ( XXXX XXXX XXXX checks ) = {$690.00} on XX/XX/XXXX. From this point there should be no interest involved but there is and all my payments were being heavily thrown towards interest by Bridgecrest when I told them I wanted multiple payments put mostly or only towards principal which would leave me with no more interest. {$690.00} - {$450.00} ( the payment I made on XX/XX/XXXX ) and minus {$410.00} ( the payment made on XX/XX/XXXX ) leaves my balance at- {$170.00}. This means Bridgecrest owes me {$170.00}. Not only has Bridgecrest not reported that I made payments at all from XXXX through XXXX. Both insurance checks were paid and received in XXXX on the XXXX, XXXX and the XXXX check was paid and received on XX/XX/XXXX. Not only am I being flagged for late payments of 60 days but today is XX/XX/XXXX and I am just now receiving info on how to close account but the account should have been closed in XXXX if not the latest XXXX. I should be nowhere near 60 days late for a car I totaled XXXX  months ago. Do not do business with Bridgecrest. The thing is this process took way too long for simple tasks that should be completed much sooner if worked on with diligence. I stayed in constant communication and there was no transparency, as a matter of fact I was told I was not in credit bureau danger on multiple phone calls ; I was lied to then comforted on another call that it would all be changed at the end when it should never be wrong in the first place. Just plain out bad business.
Product: Student loan

I filed a complaint with your organization. XXXX XXXX responded by stating they were putting my loan in forbearance for 48 months, that was 2 months ago. I recieved a notice stating my payment was due ( the full amount plus interest ) starting again XX/XX/XXXX. They did not follow through on the statement they sent you and I. I Also sent in XXXX paperwork and they have yet to respond. That was over a month ago. I have XXXX XXXX XXXXXXXX XXXX. Im unable to work and my savings is depleted. Social security has denied me twice, Im on third appeal with no end in sight. Im out of options.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian XXXX XXXX  Are reporting inaccurate information on my account, they have shared my information without my consent to third parties, authorizing fraudulent transactions and activities to occur within my account after alerting them to the inaccuracies. They have addresses that are non reportable on file in which I have not resided nor done business in or at and due to the problems at hand It has caused a financial hardship leaving me and my children, homeless, immobile and unable to do something as simple as rent a home even with the funds available to cover the expenses
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing. PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. Trans Union is reporting negative information from XXXX, and XXXX XXXX XXXX ( Car Account ) which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood. The information they are reporting is not identically shown on my reports from XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Money lion denied me access to my XXXX money account for XXXX months with little to none information on what's going on money line has created a merry-go-round of information that they want me to provide that I have provided over XXXX times in order for me to have access to my {$400.00} that has been sitting in my account since XXXX of 2023 money line has failed to provide me with adequate information on why they are holding my account or my funds hostage money lion has it denied me my rights on disputing any transaction because they are holding my funds so no unauthorized transactions have occurred which in reality yes it has I want to dispute with money lying why are they denying me access to my funds they are asking me to provide complicated documents a notary from a third party company in regards to quite frankly I don't even know because money lion will not provide me with general information on why are they withholding me from my funds they're advocate department does not provide any assistance more rather they provide you with more obstacles that are near to impossible to do or to overcome I just want my {$400.00} out of my account so I can end all services with money I know half of my statement of what I am stating right now doesn't make any sense because of money lying has confused and deceived and blackmailed me in regards to my account money lion has shown me I have no rights as a customer with them money lion instructed me to investigate things that happened under my account which that is what their dispute department is for but there's dispute department does not do anything they make you do your own investigation in regards to your account I just want my {$400.00} that I have been fighting for proving my innocence for it to be released
Product: Vehicle loan or lease

The vehicle was repossessed shortly after I got the vehicle, a debt collector company sent me a letter from the court saying that they are garnishing my wages and it will cause me extreme hardship if they garnish my wages as my household is low income, I believe credit acceptance knew that I was not gon na be able to keep up with the payments for the vehicle but still managed to get the loan approved some way some how which I didn't think I would be approved at the time they kept calling and saying they would help me get into the vehicle just to leave it up to them which was surprising to me but I was in desperate need of the car at the time to commute to work bc I was spending to much to have a taxi to get to work
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

In reference to CFPB Dispute XXXX I called XXXX who claim they never received any request from Home Depot . 

Even though I received an email from The Home Depot Consumer Credit Card ( CFPB is cced ) that " We've sent a request to XXXX to change the XX/XX/, inquiry to a non-display inquiry. ". This letter was dated XX/XX/. 

I have called HD at least 10 times to follow-up and they say they have sent the message and will send it again. 

XXXX mentioned that they will not search to see it was misplaced or not entered into the system and that it should just be resubmitted or mailed via USPS ( by me ) till it is received!! They have no electronic means of uploading any attached documents Also Home Depot have resent for the fourth time ( to my knowledge ) ... but every time instead of looking into why the XX/XX/XXXX letter was not received, they reset the waiting period to 30 days!! BECAUSE IT IS CONSIDERED A NEW REQUEST ALL OVER, So the counter is reset
Product: Credit reporting or other personal consumer reports

it is the responsibility of the credit monitoring companies to make sure that all information is accurate. upon reviewing my credit report there are several things that are cause for concern. accounts that i never gave consent to report and never provided any proof of ownership. these accounts are severely impacting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Account : XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX : Request for Deletion of Unverified Late Payments from XXXX XXXX Bank Account Dear Credit Reporting Agencies, I am writing to formally request the removal of XXXX late payments reported on my XXXX XXXXXXXX XXXX account from my credit report. These late payments are currently listed on my XXXX, XXXX, and TransUnion reports ; however, the account does not appear on my XXXX report. This discrepancy suggests that the information may be incomplete or inaccurate.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The absence of this account on my XXXX report raises concerns about the accuracy and completeness of the data being reported by your agency. 

Furthermore, the FCRA 609 grants consumers the right to request the disclosure of information in their credit file, and 611 provides the right to dispute inaccurate information. I am exercising these rights to dispute the late payments reported on my Avant Web Bank account and request their removal from my credit report.

If these late payments can not be verified as accurate and complete within XXXX days, the FCRA 611 ( a ) ( 5 ) ( A ) mandates that the information must be promptly deleted from the consumers credit file. Failure to comply with this requirement may result in legal action, as FCRA 616 and 617 provide consumers the right to seek damages for willful or negligent noncompliance with the Act.

Please investigate this matter and remove the unverified late payments from my credit report within XXXX days. If you determine that the information is accurate, I request that you provide me with documentation verifying its accuracy.

If this issue is not resolved within the specified timeframe, I will consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies to protect my rights as a consumer.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

XXXX  checking my credit report I noticed an erroneous amount of errors and inaccurate information reporting on my credit report. It is evident that this is a debt buyer collection agency. That is randomizing what innocent person they can attach all there bought debts on. XXXX they may be possible hackers behind a major data breach that took place during that time. Just added random people names to there database since they are more than like behind the scamming of the data breach. According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX XXXX XXXXXXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form. Please reference upload for verification of inaccuracy to assist with account deletion Account name-Different from original Terms - 1 months ( Plural ) Type - Collection Balance- {$2000.00} Date opened - XX/XX/year> Date of status - XX/XX/year> Responsibility - joint Comment History- Screenshot upload Balance History- Screenshot upload Account History- Screenshot upload
Product: Credit reporting

I had XXXX accounts ( XXXX for credit cards, XXXX and XXXX ) and XXXX for student loan from XXXX. I suspected those accounts were fraudulent since it was not authorized by me. 
Based on a dispute lodged by me thru XXXX on XX/XX/XXXX, these XXXX accounts were deleted from my credit score which resulted in a drastic reduction in my score. 
After lodging the complain, I realized that those accounts were opened by my son who happens to have same last name as mine. He was trying to build some credit for himself. 
In view of the fact that deletion of these accounts have reduced my score considerably, I am requesting Transunion to re-instate those accounts as before so that my previous credit score can be restored. It will help me a lot since I am planning to buy a car this month. 
Your kind cooperation and prompt action in this matter will be highly appreciated. 
Regards, XXXX XXXX SSN ending with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the week of XX/XX/XXXX I have tried dozens of times to release a freeze on my credit report. While successful on the other agencies, Equifax is a disaster. Every time I log into my account on myequifax.com to manage the freeze, I get a message that the action is current unavailable. This has continued EVERYDAY for a week. Then I tried to use the phone system, and each time I get through the maze of questions including particular amounts on my actual report, I get to the end of the line and get a massage that my request can't be processed at this time. This has happened several times despite my having the actual figures from my report available to respond to the questions. Then I'm told that I either have to fax or mail a bunch of documents in order to have the freeze released. Obviously mailing docs will take several days, so I opt for fax. Finally I got word that the report has been unfrozen. It should not be so hard to use a platform when I have all the needed info, but the on line system doesn't function for more than a week. I checked on line forums and have learned that the on line system has been unavailable since the early summer. Couldn't they inform us via their web site this is the case. I never asked for Equifax to hold my data. I would never frequent a company that performs so poorly, however, I want to get a new mortgage, and I'm told that I HAVE to get Equifax information. If they are going to make a business off of selling MY information, the least they can do is let me manage it as needed. Isn't this just the reason that the CFPB was created for?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing w/ XXXX , Transunion and   XXXX    for the last  XXXX  months regarding  XXXX  accounts that are presently on my credit report. I have provided information to  XXXX  which advises me that they obtain their information from a third party agency. I obtained the third party division that that  XXXX , Transunion and  XXXX  advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however  XX/XX/XXXX . Transunion,   XXXX    continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since   XXXX   XXXX   however there is no dollar amt attached.
Product: Vehicle loan or lease

I have tried to voluntarily repossess the lemon that XXXX XXXX sold me haven't even had my car a year and the engine failed. They never mentioned anything about XXXX XXXX having engine failure especially that specific make and model the XXXX soul plus. Usually people just repossess the car they want me to pay for my own tow and sign paperwork which is not something that usually happens with paperwork my attorney advised me not to sign any of the documents.
Product: Checking or savings account

on XX/XX/XXXX I was on XXXX and came across a site selling XXXX XXXX XXXX headphones and decided to purchase a pair on a website address " XXXX '' for {$82.00}. I placed an order this same day and noticed after placing the order something didn't seem right because I didn't receive a confirmation email, a tracking number, or any correspondence so I took a screen shot of the site. I noticed the next day the money was withdrawn out of my bank account but by a different company named XXXX. I went on XXXX and noticed this was not the site I placed the order from and the site was a military site selling military merchandise. I went back on the original site I ordered from " XXXX '' and reached out 2 times to contact the vendor via a link on the site " contact us '' they do not have a phone number to call. I have never received a response from my correspondence and still as of today XX/XX/XXXX I HAVEN'T received the merchandise. I called my banking company to open a claim on XX/XX/XXXX. they credited back {$82.00} to my account temporary while they investigated. I received a letter on XX/XX/XXXX denying my claim because XXXX advised they sent an email to the customer ( me ) to pick up the goods and showed the package was signed for on XX/XX/XXXX. I have asked for proof of an email and proof of a signature that I picked up and I am not getting any response and my bank has taken back my credit of {$82.00} today XX/XX/XXXX. I have re-opened my claim with my bank and was told about your site and you being able to assist.