23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have tried to stop all marketing and solicitation from credit card companies. for the past three years i have been trying to repair my credit. part of my program was to stop credit card companies from soliciting me. During the process, i also asked not to be marketed to using the direct marketing opt-out. 

I have tried to get American Express to stop trying to sign me up for new services. I have tried to work with American Express on several occasions. I have been determined to be ineligible for my requested service. American Express says i am not eligible to use there business Gold travel rewards card. I was also declined for their XXXX sponsored credit account. American Express explained there reasoning and i asked not to be marketed too. This was not only American Express this is all credit card offer. 

About one or two years ago i asked to discontinue marketing and solicitations from American Express. I made this request using an XXXX  opt-out request and a credit card marketing opt out and a direct marketing opt out. most of the solicitations have stopped, although American Express continues to solicit my business. I have even gone as far to add my email addresses to the opt-out. American Express still ignores my request. 

American Express continuing to ignore my requests puts my credit rating at risk. by not having marketing and solicitations i am less likely to apply for new cards. this makes my inquires lower and this improves my overall credit. I have spent a great deal of my own money to improve my credit. I have also spent a great deal of time to improve my credit file. I take offense to the fact that American Express refuses to follow the rules about marketing to me at my addresses ( including email ) I am very tired of seeing American Express advertisements in my email and mail box. I have asked in what i thought was the most civil way possible not to be marketed too. I continue to receive these marketing efforts. I believe these actions are illegal and i also believe i am entitled to restitution or restorative or liquidated damages for duress this causes. I have asked to be left alone. I do not want to be contacted for anymore marketing materials.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( XXXX ) for all the inadequate customer service and unfair practices which violate the consumer financial protection act cash app failed to take timely and effective measures to prevent fraud on there platform leaving my account vulnerable and unprotected. Furthermore, there dispute resolution was unfair and deceptive as they did not comply with error resolutions requirements under the electronic fund transfer act
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX was opened XX/XX/XXXX was last reported balance over XXXX $ Called company RiSE Credit today XX/XX/XXXX they said to file report with ftc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting or other personal consumer reports

AFTER MULTIPLE MAILED IN DISPUTES, INACCURATE, CLOSED AND FRAUDULENT ACCOUNTS AND INQUIRIES ARE STILL ON MY CREDIT REPORT. I AM REQUESTING THEIR IMMEDIATE REMOVAL UPON RECEIPT OF THIS NOTICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credig report shows a hard inquiry for XX/2017 made by XXXX XXXX that i did not authorize. I do n't know who or what company that is. I did not authorize that. Please remove from all 3 credit bureaus. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries from my credit report as I am a victim of a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my rights to protect my credit from further misuse by having this compromised information removed. 
Below are the accounts I am requesting to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

My daughter applied to XXXX XXXX XXXX Townhomes and only listed me as an emergency contact and mailing address. I was not on the application and did not sign anything. She was the only person on the lease.
Product: Credit reporting or other personal consumer reports

Experian I disputed XXXX inaccurate late payments on my XXXX XXXX car loan and they refuse to have it corrected. They will only update the information on the account which is incorrect.
Product: Credit card or prepaid card

Card issued by Net Spend. My name is XXXX XXXX and my live-in boy friend is XXXX XXXX. We received a check from XXXX XXXX XXXX on a claim from vandalism and theft. We put the money on a Net spend card. The funds have never been available to us. We have called and talked to several different people about withholding our money as we need to replace the items stolen during the break-in of our house. 

They keep telling us it is in the account but hasn't been released. When asked for a release date they say 5-10 business days and it has been over 30 days as the checks were deposited in late XX/XX/. They claim that it should have been ready for release on the XX/XX/XXXX after several more calls asking for the status. It is now the XX/XX/XXXX. still no money and we're talking about close to {$6000.00}. At one point I was told that the funds will be on my card " within 24 hrs just DO NOT TURN IN A COMPLAINT TO THE XXXX  ''. I have read some gross story 's about this company pilfering money or as in our case no money at all. What can be done about this?
Product: Money transfer, virtual currency, or money service

account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ans address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account the FCRA violations as following See 15 U.S.C. 1692 ( c ). 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person ( furnisher of information ) shall ( A ) conduct an investigation with respect to the disputed information ; ( B. review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C. report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information ( especially OCs ) are required under Section 312 of the FACT AcXXXX to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation or records. Failure to preform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in Richardson v. Fleet and Nelson v. Chase Manhattan. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and the Consumer Financial Protection Bureau. 
I have asked before for account validation and this has not been done please delete this false and illegal information from my credit report permanently and immediately this creditor has no legal right to report anything to any of the CRAS
Product: Debt collection

I Have New Updated Information On Pentagon Credit Union : I sent The Pentagon Credit Union an Notarized Affidavit Of XXXXruth for the 2nd time stating multiple violations and I responded back to their false statements via certified mail on XX/XX/2022 at XXXX and on XX/XX/2022 at XXXX Pentagon Credit Union received my Affidavit Of Truth. As of now I'm still demanding a response, a proof of validation, a proof of claim, details on what methods Pentagon Credit Union used to validate this alleged debt, and seeking my remedies which is owed to me from Pentagon Credit Union. In the attachments below is my Affidavit Of Truth and exhibits that back up my Affidavit Of Truth. Due to the failure of Pentagon Credit Union rebutting my Affidavit with an Affidavit they are now in default.
Product: Checking or savings account

I noticed that XXXX was taken out of my checking account I was incarcerated and could not have made withdrawal I submitted proof to chime and they refunded approx XXXX and I am missing XXXX and chime refused to refund I need that XXXX and change I don't have exact amount I think it was XXXX but nor sure can anyone help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

In late XXXX we logged into our Amerihome Mortgage account to request an additional {$500.00} be applied to the Principal of our next regularly scheduled mortgage payment. Our mortgage payments are set on Automatic Payment/ACH. Instead of applying the {$500.00} principal payment to our next scheduled payment on XX/XX/XXXX, Amerihome collected an additional entire month 's mortgage payment on XX/XX/XXXX along with the {$500.00} we requested on top of it. 

We have spent a considerable amount of time on the phone trying to sort this out with Amerihome, but they go in circles and will not acknowledge they made an unauthorized withdrawal from our account for the mortgage payment and they will not refund us the mortgage payment that we never agreed to. 

In addition to this unauthorized payment, in XXXX of XXXX we requested to remove escrow from our mortgage payments for homeowners insurance and property taxes. After jumping through numerous hoops, Amerihome sent us a check for the escrow balance in our account, but they did not include the XXXX escrow payment that we made when they withdrew the unauthorized mortgage payment from our account on XX/XX/XXXX. I have a detailed spreadsheet which records every payment we made to include the beginning escrow balance and the {$190.00} from the unauthorized mortgage payment withdrawal. We provided this spreadsheet to Amerihome via certified mail. 

To top it all off, last week, on XX/XX/XXXX, we received a letter from Amerihome which states they have transferred the servicing of our mortgage to another lender, XXXXXXXX XXXX XXXXXXXX. This notification was made short notice and will be effective next week, on XX/XX/XXXX. 

As a remedy, we would like Amerihome Mortgage to return the unauthorized payment they collected on XX/XX/XXXX in the amount of {$2700.00}. This amount would also satisfy the {$190.00} escrow payment that was not returned to us when we eliminated escrow from our account.
Product: Student loan

Fed Loan Servicing began to furnish my student loans at the end of XXXX 2013, so my payment with them should have started in XXXX 2013. They are reporting that as of XXXX 2013 my payments to THEM were 180 days late, they also reported the same in XXXX 2013. As of XXXX XXXX 2013 Fed Loan Servicing my accounts for a total of 36 days and on XXXX XXXX 2013 the total was 67 days, since they had only held my accounts for that amount of time its impossible for my loan payment to THEM to be 180 days late. I was also granted a forbearance from them to cover the months I have listed here. The argument they give is that the forbearance was granted to bring my account in good standing and that the information that was reported to the credit bureaus will stay on my report because it had been reported before my forbearance was granted. They said that the late payments wont be removed regardless of the forbearance because it was reported accurately at the time. Which brings me back to the beginning, how is it possible for a company that had only been servicing my loans for 37 days report that I was late making payments to THEM by 180 days on 2 separate months. Its mathematically impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting

XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit Transunion verifies the debt sure the have my ss # and address that does not mean they can report an old debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my XXXX credit card account however they still billed the annual fee and in XX/XX/2021 they reported the annual fee 30 days past due in XXXX. 

My assistant went ahead and paid the annual fee because she saw the late bill and was concerned. 

I should have never been billed an annual fee and the late mark is invalid.
Product: Credit card or prepaid card

I took a loan out with Lowe 's for a necessary kitchen remodel in XX/XX/2018. They gave me a 24 month interest free credit card. Now they are adding a penalty of {$10000.00} to my card because I missed the grace period by 1 month. I tried to tell them I would pay the remainder, but they would not budge. I have been very worried about finances during the covid time as my husband is saying he could be laid off and my salary has been reduced. I'm not trying to get out of what I owe them. I just think that XXXX is way too punitive of a charge. I always paid my card on the XXXX of each month and never missed a payment until they applied the additional XXXX in charges to my account.At that point I wasn't paying enough to cover the minimum because the account went up so much. I would understand if they wanted to charge a penalty but this is horrible. They have started to send texts and emails but never warned me in any of those emails that I would be charged this much if I didn't pay off my loan. Please advise others to NEVER get a loan with Lowe 's or Synchrony bank as they are truly predatory. 

As an aside, Lowe 's was a horrible business too, drawing out my remodel for well over a year and consistently doing sub-standard work some of which I have had to fix myself. During this year, we were stuck cooking in the garage with a hot plate, they installed damaged equipment, made careless and incorrect measurements so whole segments of the cabinets had to be re-ordered, left damaged parts laying around for months in our home, damaged walls and floors and never repaired them, never hooked up grounding wires ( I had to do this myself ), installed things improperly that broke several times and were never repaired ( had to do myself ) and the list goes on. I really feel violated by this whole experience.I would say to avoid Lowe 's like the proverbial plague.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Chapter XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon reviewing my credit report, I noticed a series of inquiries that I do not recognize, for which I have already disputed with the credit bureaus. However, they have not provided me with the information that could validate them, which has led me to file this complaint for their removal, as they are incurring in violations of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA. 

The disputed inquiries are as follows : 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/year>
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX Also Known As : XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX  : XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$680.00}