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

I was invited to apply for an American Express XXXX XXXX XXXX by mail. I contacted a representative to explain my financial history. I did suffer through the financial meltdown in XXXX. Now that 10 years have passed, I've been able to manage reasonably good credit so my chances of getting approved for an AMEX card seemed to be good. The representative said the only way to know is to apply. I applied for the American Express XXXX XXXX XXXX with the help of the agent, however, I was rejected. Then on XX/XX/XXXX, I received a letter from American Express informing me that they can not approve my application at this time because American Express cancelled my previous account ( s ). I contacted American Express at XXXX for an explanation. The agent said American Express cancelled my account back in XX/XX/XXXX. I asked for proof and they said they can't provide any proof. I requested this information be removed from my profile and the agent said it is not possible. I have a right to see proof of American Express cancelling my account and the reason why they cancelled my account. As I mentioned, the financial meltdown caused massive pain and suffering. I believe I made the request to cancel my account not American Express. I've attached the rejection letter for your review.
Product: Credit card

From XX/XX/XXXX to today, the creditors closed the following accounts because of information they received from XXXX. 
XXXX XXXX - never late Bloomingdales- not late was late in the past, and this came off my records XXXX  - never late XXXX XXXX - never late XXXX XXXX - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but more accounts are closed in the meantime. My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened.
Product: Money transfer, virtual currency, or money service

I had annaccount with coinbase and I have asset in my account. I recently changed my device and tried to login to my account and I was able to reset the password using my phone number on the account and also login and password the 2 step verification by my phone number, but still it requires an additional security check because of logging in on a new device, and the only way is to verifying through the email on the account which i dont have access to. My current email on the account, is XXXX which i no longer dont have access to. I tried reaching out to coinbase by phone, but there is no real phone support available. Then I sent many emails and just received a few unhelpful responses and seems like coinbase not willing to help and update my email to be able to login and without this update, i cant access my account and funds.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, XXXX and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards, auto loan accounts, personal loan accounts and auto loan accounts opened as follows. XXXX  XXXX XXXX XXXX loans on XX/XX/XXXX Acct XXXX ), XXXX XXXX XXXX  XXXX accts on XX/XX/XXXX ( Acct XXXX ), XXXX XXXX XXXX XXXX  on XXXX ( ACCT XXXX ), XXXX XXXX XXXX accts on XXXX ( Acct XXXX ), and XXXX  Members XXXX XXXX  accts on XXXX ( Acct XXXX ). 
I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On Tuesday TECCO called my business phone kept calling and then they called my XXXX XXXX telling her my business then they called one of my coworker and they never had her phone number her name is XXXX they called her yesterday then they call me again yesterday about 2 to 4 times a day and I feel like they are harassing me and my family to pay this debt and Im going to pay them but I feel like they shouldnt be going on social media and getting this people number and calling them about my business. TECCO been calling me a lot and I feel that this is harassment and I want something done with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card or prepaid card

On e  XX/XX/XXXX  my  wife and I received an email notice about a payment due on a  Capital One  account. The email was sent to my wife 's email address from  XXXX  XXXX  XXXX , but my wife does not have  a Capital One cr edit card. The email body indicated that it should have gone to another person with the same first name, but different last name as my wife.     On  XX/XX/XXXX  we called the support phone number for  Capital One t o be sure there was no fraud involved and the customer service rep told us that there was not and that it was most likely just a wrong email address or that the actual customer had potentially entered the wrong email address. We asked that her email address be taken off of their records so that we would not receive any further communications from  Captial One abou t payments being due.     Since then, we have received no less than  15 ema ils with varying degrees of urgency, personal information and balance information about the other person 's account and threats that they would seek legal action if the balance was not paid. We called back to customer service o n 3 sep arate occasions over the course of the next several months in  XXXX ,  XXXX  and  XXXX  and each time, the customer service representative informed us that they would resolve the issue and that we would no longer receive communications.     The last call we made was the week of  XX/XX/XXXX  and at that time, we informed the customer service rep that we would file a complaint with the CFPB if we received another email after 10 days of that call. Since then, we have receive d 2 more  emails, the most recent being sent today,  XX/XX/XXXX .     I am happy to block the sender and report the emails as spam, but I am also concerned as I want to be sure there is no fraudulent activity happening here. I have checked my wife 's credit report recently and there is no indication of any problems or accounts being opened that we are not aware of, but I think that it is irresponsible of  Capital One to  not resolve this sooner after we have given them months in which to fix the issue, and having been told several times that they would ensure we were no longer emailed.     Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EXPERIAN AND XXXX CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692 C. Communication continuous phone calls/ voice mails all hours during the days and nights.
Product: Debt collection

LVNV Funding is trying to collect a debt for me that I do not all they are using a company named Resurgent Capital to do so. I have contacted them by mail letting them know that this date is not mine I have been a victim of identity theft on multiple occasions and I have forwarded them my Federal Trade Commissions report. They are reporting the debt on my consumer report which is affecting my creditworthiness and livelihood. I have done everything in my power to prove to them that I did not initiate any debt but they will not stop at trying to collect at this point I dont know what to do. 

LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX or XXXX XXXX XXXX XXXX # XXXX XXXX South Carolina XXXX
Product: Credit reporting or other personal consumer reports

Open XX/XX/XXXX bank : # XXXX XX/XX/XX/XX/XXXXcharge off. fraudulent misrepresentation. deceptive omissions of material facts.in violation of15 usc 6809 prohibits, a financial institution from reporting non-public personal information to a non-affiliate third-party, unless the financial institution has given the consumer opt out and privacy notice, providing the opportunity to opt out.15 usc 6802 opt out notice is a requirement.section 5 ( a ) of the FTC act 15USC 45 ( a ) prohibits, unfair, or deceptive acts, or practice in or affect in commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 Kohls shows a missed payment. 
I called them, they had an error processing my payment on THEIR and and it negatively impacts my credit score.
Product: Credit card or prepaid card

I have a credit card with BlockFi, which issues rewards via XXXX XXXX Since using the card, I've accumulated XXXX XXXX or ~ {$640.00} in rewards. Per the terms, these rewards become my asset/ I have individual ownership once issued. 

The problem is, BlockFi recently stopped all withdrawals and has now filed XXXX XXXX -- I can not collect my rewards. They say this meets their terms, but if I own the rewarded XXXX, aren't they breaking those terms by refusing to relinquish my asset? 

Since they won't let me withdraw my rewards and I believe are breaking the agreed terms, what protection do I have? I owe {$5700.00} on the card and have removed automatic payment. Can I legally stop payments without penalty while disputing this issue? If I do need to continue making payments, can I leave the equivalent reward balance unpaid on the credit card without penalty? 

What protections do I have here?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous ( 10 ) certified and Notarized letters to Experian to correct errors found on my report but to no avail the reply Ive gotten back is that all information has been verified and or updated. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have repeatedly requested the names, addresses and telephone numbers of individuals Experian contacted during their investigation and again still no avail. In addition, I have asked Experian in a written notice making a correction on my name as they have incorrect names listed on my report. Again, incorrect information they refuse to correct. I have sent copies of my identification to include Drivers License and SSNcard repeatedly. Again, still no avail. After several ( 10 ) unsuccessful letters, I have experienced tremendous stress and anxiety as a result of multiple attempts to correct Experians false reporting and failure to correct such errors which my identification has repeatedly been provided and the letters sent were Notarized. The entire experience and  repeated attempts for correction has imposed upon my significant distrust, frustration and distress, and has rendered me hopeless as to my ability to regain my good name and the credit rating that I deserve and has worked hard to earn. On multiple occasions I have initiated disputes with Experian ( Proof of Certified  tracking : 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 ). My requesting that Experian correct and/or delete a specific item in my credit file that is blatantly inaccurate, by failing to conduct a reasonable investigation into my disputes in this regard, Experian willfully and/or negligently violated the Fair Credit Reporting Act 611 ( a ) 15 U.S.C. 1681i ( a ) ( 1 ) with respect to each dispute lodged. I have been attempting to get multiple issues resolved consistently since XX/XX/2017. Ten ( 10 ) certified and notarized letters should warrant an expedited resolution
Product: Credit card or prepaid card

This is regarding my relation with American Express since XXXX, I started as a XXXX Member, and after some years they upgraded me to XXXX XXXX XXXX, their top-tier service. In XXXX, I was traveling in XXXX, and since the year before suffering a weird pain in my XXXX XXXX so I decided to put all my attention on my health, I got late in some payments, ( after almost XXXX years of being an exemplary client ), and they canceled the card. I paid all debts as soon as I got out of the Hospital ( I lost my XXXX XXXXXXXX XXXX XXXX and I am now XXXX ). So they now refuse to reactivate the card, but they gave me in the XXXX a XXXX  Card, the thing is I paid several XXXX dollars each year for more than a decade for the product, XXXX XXXX, and I really need their concierge service, most now due to my current health situation, I do not owe the company a dollar, but they do not even answer my requests, and I think that is wrong to tell me " I need to get an invitation again ''. This is not a request based on the show off of the card, but rather in the spirit of doing the right thing, a company can not invite a client to their top-tier service, charge him for a decade or more, and after that say, I need to be invited again. 

This is a matter of principle and values, and respect, so I am requesting your help before escalating the issue to The XXXX House. 

Thanks in advance, XXXX.
Product: Credit reporting

The XXXX credit agencies make it IMPOSSIBLE to get your free credit report. ALL their websites are confusing, and after you submit your forms they ALL give you an excuse about why they ca n't give you your report, and the excuse is ALWAYS wrong. 
PLEASE do something to make these XXXX companies COMPLY WITH THE LAW. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cash App handling of disputes, particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Cash App numerous times and reporting discrepancies, my financial institution and Cash App failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cash App has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This company keep putting this on my report I disputed it three times this is the harassment no one can not afford. No cable bill {$900.00}. I am on Social Security receiving XXXX. They sent out letters. They email me constantly. This is harassment and this please be removed. Im tired of this company
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX  XXXX ] [ XXXX ] Equifax : [ XXXX  XXXX ] [ XXXX ] XXXX : [ XXXX XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

A charge off is a Certificate of indebtedness which means it is income it must be removed. XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX  Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as EXPERIAN and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions.

15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Credit reporting or other personal consumer reports

I have been disputing accounts opened under my name that were not opened by me. My personal information was exposed in an XXXX data breach. I have not received requested documentation supporting the claim that bureaus are reporting back the the account " does belong to me. '' I am under the impression that this company is not even investigating any of these disputes. Instead I have been hit with stall tactics with responses asking for me to prove my identity by getting my disputes notarized which I have complied.
Product: Student loan

I am a senior citizen and  my sss chec k was garnished  by ECMC for a st udent loan I had nothing to do with. I never heard from ECMC until I discovered that they was responsible for this invasion of my privacy and identity theft of my personal identifiers, namely my social security number, my date of birth to fraudulently take money and I must say badly needed money for mere survival from my check.Had they exercised due diligence they would have known that this was not a loan of mine. when I spoke with them about adhering to the FDCPA laws they stated that it does n't apply to them when in  XXXX  V. ECMC the  XXXX   XXXX  clearly stated that they  ECMC are  subject to FDCPA laws as a debt collector. Now being that they are aware of this ruling they are using deceptive trade practice to deceive the consumer and to defraud them out of their hard earned money, plus praying on senior citizens of which I am.Had I not discovered their deception they would have taken over  XXXX  dollars from  me.ECMC  have also violated La Deceptive Trade Practice laws and Civil  RICO  statures by scheming with  XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX ,  N > Y >  and  XXXX  and   XXXX   XXXX   XXXX   XXXX    to   defraud me out of my money, they also drag the TREASUR Y Dept into this  scheme and t he social Security Administration.
Product: Debt collection

I was leased on as a XXXX for XXXX out of XXXX KY in XX/XX/XXXX, but due to low pay per mile I terminated my lease with them in late XX/XX/XXXXXX/XX/XXXX (XXXX)
filed a debt collection against me for XXXX to Recovery One collection agency from XXXX Ohio.The Recovery One is charging me (my acct number XXXX) XXXX and even though this matter is only in disputing stages they already made inquiries to my credit report without my consent.I have tried to contact the Recovery One and to discuss  the charges with rep  but conversation went without any progress.Looking for any help or info that I can get.Thank you.
Product: Mortgage

We bought our first home XX/XX/XXXX. XX/XX/XXXX I received a notice of foreclosure. I tried to get a modification and did so but still could not keep up with the payment. The bank resumed the foreclosure and we received a letter stating they would be selling the house. we moved and a year later we found out that they stopped the sale and the house is still sitting empty in our name. I 'm just trying to find out what options I have if any. 

After doing some research I found out that known robo-signers names and signatures are on a-lot of my paper work. 
The original loan servicer was Litton loan and my mortgage was sold multipul times, I 've lost track of how many times. 
The current servicer is Ocwen and they keep sending me a bill for $ XXXXDo i have any options besides bankruptcy?
Product: Credit card or prepaid card

I paid some {$11000.00} thru my Citi XXXX XXXX for a cruise on XXXX that was eventually cancelled due to the Coronavirus. XXXX refunded my {$11.00}, XXXX on my Citi XXXX XXXX on XX/XX/2020 and since that date I have been trying to get the credit balance of some {$10000.00} transferred back to my checking account. 

I keep getting a different story each time I call. On XXXX I was told it was approved ( not sure what needed to be approved since it was my refund ) and the transfer would take place in a few days. I called again on XXXX and was told it was approved on XXXX and would get it in a few days. 

Citi XXXX is holding a large sum of my money and I could use it in these difficult times. They have no trouble charging me interest if I am one day late but can not seem to find the time to refund my money
Product: Checking or savings account

On XXXX XXXX XXXX the company XXXX XXXX XXXX XXXX, was supposed to consolidate my student loan. They charge XXXX XXXX and then took XXXX more without my consent from my bank account. And never got my loan consolidate. Never send me anything. I call my student loan gov and said it must be a scam because never got o receive anything. From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/20 I called direct express to change my address. Instead of changing the address they put a fraud alert on my card. Its the only income I have and now I cant access my money anymore. Since then Ive tried to call 10 times but no one will answer the phone. The longest I waited on hold was for two hours and still nothing.
Product: Credit reporting or other personal consumer reports

I was able get credit reports from XXXX and XXXX but not transUnion
Product: Checking or savings account

Chase bank have my funds on hold they are trying to verify my refund check from the irs but there is no way to verify they have my funds on hold for no reason I really need you guys help