23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear CFPB I need your assistance on a matter involving American Express. I have been a member with them while I was in the military for over 30 years. While in the military over 30 years ago I signed up for the American Express XXXX. When XXXX the XXXX occurred, I was on the XXXX XXXX XXXX and we XXXX to the XXXX. I went to AMEX at the time and asked that they drop the rate on my credit card to 6 % under the FCRA Act which they did. I received the benefits at the time. Then unfortunately I was a victim of Identy Theft to a high level and had to have a name change done and also my SSN was changed as a result. This messed a lot of my records with AMEX up and I have not been able to get them to bridge the accounts, so I get credit now for the FCRA on my American Express Card account. I have requested countless times that AMEX give me the same credit that my fellow comrades enjoy and to no avail I still get charged every year the yearly service fee and I also do not get the SCRA status on my account. I would like you to see what you can do to assist me with this matter. 

Subject : Request for Relief under the Servicemembers ' Civil Relief Act ( SCRA ) and Military Lending Act ( XXXX ) Dear American Express Customer Service, I hope this letter finds you well. I am writing to inform you that I am currently serving on XXXX XXXX in the United States [ XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX relief for my American Express account under the provisions of the XXXX XXXX Civil Relief Act ( SCRA ) and the Military Lending Act ( XXXX ). 

As an active-duty service member, I understand that I XXXX be entitled to certain protections and relief under both the XXXX and XXXX, XXXX, but not limited to, interest rate reductions, fees, and other financial accommodations during my service. I kindly ask that you review my account and apply any applicable benefits and protections provided by these laws. 

For your reference, please find below the necessary details of my military service : Full Name : [ Your Full Name ] American Express Account Number : [ Your Account Number ] Branch of Service : XXXX XXXX Active XX/XX/XXXX Date of Entry Active ) Military Status : XXXX XXXX Date of XXXX Expected XXXX XXXX End Date ( if applicable ) : XX/XX/XXXX Inactive Reserve If you require any additional documentation to process this request, such as my military orders or a statement of service, I am happy to provide it promptly. 

Thank you for your attention to this matter. I greatly appreciate your support and the assistance you provide to military members like me. Should you need any further information or clarification, please do not hesitate to contact me
Product: Credit reporting

I wante to pay on mywasher and dryer, i was told that my acct, was closed i ask why then i was told that i had filed chapter XXXX, I said know way i 've never filed chapter XXXX in my life. What should i do about this? So i do n't know wh did this. It was'nt me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Credit report is reporting two mortgages from same lender, different addresses and balance amounts. Missing payment history for the month of XX/XX/2019. These two accounts reporting do not accurately reflect my credit report, as my debt to income ratio for a mortgage now doubles. Which would possibly make it difficult for me to obtain a loan or extension of credit currently. This is a violation of the Fair Credit Reporting Act. I wish to have this mortgage loan reported current, accurate and as one account not two.
Product: Student loan

XXXX I received an email from MOHELA ( XXXX ) my application has been denied. They gave me no reason to why, how they came to this decision, findings, that they said they found. They gave me no information on how to appeal if I wanted to or any way to see any research they did. It was a general auto populated message. So with in 60 days exact my loan was bought out from XXXX to MOHELA and they did not do their diligence of given my application the time of day. 
XXXX I filled out XXXX  School Misconduct Application XXXX Received Letter From U.S Department of Education all Federal Loans have been discharged in amount of {$63000.00} based on school misconduct & fraud XXXXFilled out application for borrower defense for school misconduct
Product: Vehicle loan or lease

Chapter XXXX bankruptcy discharged over one year ago, but Toyota Motor Company refuses to report perfect payment history. Claiming I, my attorney & Trustee failed to reaffirm loan in time to avoid EVER allowing me to have post bankruptcy status. Toyota 's representative said I have no legal protection from repossession upon 30 days late, stating they can break into my garage to repo a vehicle with perfect record since purchase date- I don't get more than 30 days & NO notices. Also stated I will never be allowed auto pay, or access/use of phone app to make payments! Most importantly, all credit bureaus show NO PAYMENTS since XXXX of XXXX  while loan is showing open. 

I did everything ordered by court- it's not my position to know more than my attorney & the Trustee. I was told to make timely payments & I have a perfect record. I have been denied new credit three times, all separate attempts to gain credit, but each refused due to Toyota Motor Credit failure to report accurate info on my loan payments. My attorney advised that I dispute credit reports & I have, with no result. He advised I try to speak to them again, but I was threatened with repossession again. So I was advised to make a complaint to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Im previous complaint letters and dispute XXXX accounts and my request were ignored and placed as accurate. They are fraudulent accounts not opened by me. I have a police report number also and nothing should be listed on my credit report without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX for {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXor {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number XXXX XXXX Consumer Date of Birth : 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 you, the EQUIFAX 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 Auto Loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I received a payoff quote for {$25000.00} that would need to be paid by XX/XX/2023, to avoid the payoff amount changing. I paid the entire amount off in full but now the company is attempting to charge me an additional XXXX  because they applied the funds incorrectly. They need to make my account " XXXX '' and send XXXX XXXXXXXX to XXXX XXXX. It is paid in full and they need to honor this. I have called multiple times and keep getting put on hold endlessly or told that someone would call me with a resolution and never receive a call. 

I am concerned that they will affect my credit and that the loan will remain open, when I have paid this in full.
Product: Debt collection

Debt collector did not make communication attempts or notification by mail for debt owed or process to dispute in due time.
Product: Credit card or prepaid card

On XX/XX/2022, I called my credit union BECU and asked for the dispute of {$100.00} and some cents against my credit card but then they transfer me to their XXXX XXXX XXXX XXXX XXXX XXXX 
I spoke with an XXXX lady in XXXX and she said maybe it takes 30 days for the result & we will let you know about the result. As it passed over XXXX and XXXX months and I didnt hear from them, I called again to BECU and they transfer me to XXXX again. 
After I told XXXX that I m following up with my dispute, the line was dropped and none return my call. 
Again I called directly to XXXX and they told me we knew you called on XX/XX/XXXX but it seems no follow-up with your dispute then your request is gone from our system and you need to do it again. I told her how that was possible and that I need talk with your supervisor as this is the second time your company ignoring my dispute request. She said our supervisor just can call you back between XXXX hours and they are not available. 
Again, none called me and none care about this dispute. 
I called last week to BECU and the customer service start giving me some excuses. I asked him to connect me to his supervisor. Then She told me quickly we are not responsible for our third parties and you need to follow up with them and we can not do anything for you. This is between you and them. I can not believe how great BECU and their uncared and irresponsible third parties are! My dispute was ignored again and none of these to XXXX did anything for that. 
A couple of years ago, I was disputed an amount over {$260.00} and BECU and XXXX didnt care about disputes and each one passed me to another one. It was taken over XXXX and half years with my follow up but none of them did any effect on my dispute request which was my right and I didnt use the service of that organization.
Product: Credit card or prepaid card

On XX/XX/2020, My debit card from XXXX by Bank of America was declined, when I checked on the Bank of America app I noticed that there were 3 ATM withdrawals on XXXX and XX/XX/2020 each for {$1000.00} from my account and bank suspended the account after that. 
I called the bank on XX/XX/2020 @ XXXX and told them, that I have my debit card and how they take money from my account, they said you have to make a complain tomorrow since it is Sunday and they close now. I called Monday morning @ XXXX, and after 1 hour and 37 minutes finally someone answered and after so many questions they transferred me again it took 45 minutes to contact to someone else, again question and transfer again till after 3 hours and 34 minutes I filled a complain. On XX/XX/2020 I received a letter from Bank of America that said my claim has been closed, so I called again and after almost 2 hours someone answered and she said that you have to write a letter and request to reopen my claim and request to get the ATM camera footage. So I mailed and faxed the request on XX/XX/2020. And I waited till XXXX XX/XX/XXXX called to find about the status of the claim and after 1 hour and 47 minutes on hold finally someone answered and she said that because you didnt ask for escalation your claim is not active, so again transferred me to someone else and after 45 minutes on hold finally they made another complain # for me and said I have to wait. And I called after 3 weeks on XXXX XX/XX/XXXX and again I was on hold for 2 hours the lady said you have to wait, it might takes to 3 months for answer, and when I asked about the hold time on phone, she said our answering service is in XX/XX/XXXX and since you are in XX/XX/XXXX its better to call at 5 in the morning before we get busy, since we have lots of complains and not much people to work. So I called again on XX/XX/XXXX at XXXX XXXX, it takes 25 minutes to talk to someone, and still they said I have to wait, and since I told her about my situation, and that this XX/XX/XXXX money is my only source of income and itd XX/XX/XXXX times, and I have bills to pay, she filed a hardships note on my claim. 
Today is the first of XXXX, and I am still out of my money and I dont trust Bank of America.
Product: Vehicle loan or lease

Company did not respond to the information that I requested. Instead they contacted me to settle loan for a lesser amount.
Product: Debt collection

In XX/XX/XXXX I was served with paperwork by XXXX XXXX with a petition for judgement against me for a medical bill from XXXX XXXX XXXX I never received. I immediately emailed XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX regarding a payment plan to avoid a judgement being placed. I had never received the bill, and wanted to make sure it got taken care of. On XX/XX/XXXX, she offered an agreement and terms if paid by XX/XX/XXXX. I agreed via email XX/XX/XXXX to a payment plan & paid in XXXX, check was cashed on XX/XX/XXXX. I followed up in XXXX as I had not gotten paperwork to withdraw the Judgement petition. I never got an answer. I followed up twice more to confirm that the petition was withdrawn, and the plan was in place for my payment arrangement. The XXXX did not answer emails or phone calls. On XX/XX/XXXX I received in the mail that the judgement was granted, though the XXXX took my money, agreed to a payment plan on the debt and never responded. On XX/XX/XXXX XXXX from XXXX XXXX firm called to let me know the judgement was granted because I did not sign a waiver, that I never received. I asked why no one followed up with me to confirm it needed to be signed before my money was taken, and she confirmed that their job is to take any money owed on the debt. I did not get the paperwork needed. This is predatory behavior when I as a consumer did the right thing and tried to take care of this debt.
Product: Credit card

I have an Apple Credit card with a balance of $ XXXXMy minimum payment due is {$110.00} per month. It is my choice to pay more on the minimum due balance or not. 
My due date is on the XXXX of each month. I made my last payment of {$110.00} on XX/XX/year>. On XX/XX/year>, I received a notification by Goldman Sachs Apple Card that I have been late for XXXX and XX/XX/year> for which Goldman Sachs Apple Card will be charging me a late interest because I have not been paying my monthly balance of my Apple Credit Card.

This is unthinkable! Goldman Sachs Apple Card has begun to scam their Apple Credit card customers as requiring both A MONTHLY ( ENTIRE ) BALANCE PAYMENT of the Apple Card and at the same time a MINIMUM PAYMENT due posted at the consumer 's account! I objected in a chat and stated that Goldman Sachs Apple Card is scamming consumers who pay the minimum due as stating that consumers did not paid the monthly balance which is the entire balance on the card.Goldman Sachs Apple Card wanted me to pay additionally a little more than {$82.00} as late interest. On the other hand, my monthly statements in XXXX and XX/XX/year> are stating differently that Goldman Sachs Apple Card had different amounts for monthly balance than the entire balance on the Apple Card, and therefore paying the requested minimum due amounts is what has been required not objected that the entire balance is monthly balance and must be paid to avoid interest late fee!!!
Product: Credit reporting or other personal consumer reports

I have a current account with Nissan/Infiniti

, and has been paid on time as the agreements stated. The account that they are reporting as a " settled account '' was never in collections or never a repo. I sent them a letter to investigate it and the letter I received back is basically telling me they cant locate the account they need more information. I dont have more information, it's what THEY are reporting to the three credit reporting agencies. It appears to be an account from 2016, which is over XXXX XXXX XXXX. 
This account needs to be removed from my credit report. Ive included a copy of the letter sent to them, their response, and a copy of the credit report. 

As you can see on the credit report there were XXXX late payments. XXXX is the only one that is reporting it accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ARE REPORTING AN UNPAID XXXX  XXXX XXXX BILL FOR AN UN RETURNED CABLE BOX. THIS IS NOT CORRECT THE BOX WAS RETURNED AND THE ACCOUNT WAS PAID TO XXXX. MY CONFIRMATION NUMBER IS XXXX. I SPOKE WITH EMPLOYEE XXXX AT XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting from this company is riddled with changing inaccuracies. In XXXX, XXXX  it reported me as being XXXX  days late with my XXXX payment. Then in XXXX, XXXX  it correctly removed the XXXX  day late on my XXXX payment but replaced it with a XXXX  day late on my XXXX payment. The in XXXX, XXXX  it correctly removed the XXXX  day late on my XXXX payment but both incorrectly put a XXXX  day late for my XXXX payment AND showed me as owing {$180000.00} -- my original loan amount was {$20000.00} and I owed about {$18000.00} The bottom line, this companies reporting is haywire. I have tried to speak with them to address these numerous, changing inconsistencies but they have been almost as erratic with their customer service. 

For the record, I am paying down a {$20000.00} loan and I have never been XXXX  days late with a payment.
Product: Credit reporting or other personal consumer reports

Good day, I am deeply concerned about the unauthorized information being reported on my credit file. I never gave permission for this data to be included, and its presence is a clear violation of my right to privacy. Its disheartening and insulting to see this false information negatively affecting my credit score and tarnishing my reputation. Due to your negligence, Ive faced multiple denials on new credit applications, which is causing unnecessary stress and impacting my financial stability.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX XXXX, TransUnion, and XXXX due to improper and potentially illegal reporting practices related to my credit file. 

Background Information : XXXX XXXX sold my debt to a third party, yet they continue to report the account and late payments to my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is my understanding that once a debt is sold, the original creditor no longer has the right to report activity related to that account. This practice is misleading, inaccurate, and detrimental to my creditworthiness. 

Additionally : TransUnion has failed to ensure the accuracy of the information being reported, as required under the FCRA. Despite my disputes, TransUnion continues to report outdated and erroneous account information without conducting a proper investigation. XXXX has similarly failed to investigate disputes and has reported inaccurate and outdated information about the same debt. 
Details of the Complaint : XXXX. XXXX XXXX : Sold my debt but continues to report late payments and account activity. Failed to notify me that my account information was being transferred or sold to another party. 
XXXX. TransUnion : Failed to investigate disputes and verify the accuracy of Tower Loans reporting. Continued to report incorrect account details, including delinquent payments, after the debt was sold. 
XXXX. XXXX : Also failed to investigate disputes regarding this account. Reported inaccurate and outdated information after the debt was sold, in violation of FCRA requirements.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Medical Financial Services , Inc for committing identity theft. I have never given Medical Financial Services any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Medical Financial Services before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Medical Financial Services can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Medical Financial Services Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Medical Financial Services Inc continues its collection efforts, I will file for litigation for actual damages caused and Medical Financial Services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I JUST NOTICED SEVERAL INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.