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

I applied and recived an American Express Platinum card on XX/XX/18 with a XXXX membership rewards with $ XXXX spending in 3 months promotional offer. I thought I had completed the spending requirments on XX/XX/18 when the bonus points posted to my account. In XXXX I receved a letter from american express dated the day my 3 month promotion period was over ( XX/XX/18 ) saying that I didn't meet the requirments and that they are taking back the bonuse points. I called american express on XX/XX/18 when I got the letter after getting my mail from being on vacation and was told that because a company did a refund during my 3 month period so I didn't meet the requirments. I asked why I was not informed when this happened which I belive happened around mid-XXXX so I could make up the spending, and was told that they don't work in billing so they don't know.I also asked if there was a way to make up for it because I was not informed about it when it happened and that I will not be eligible for an offer on this card again in my lifetime, and was told that once the 92 days are up there is nothing that can be done.
Product: Credit card or prepaid card

I dont remember dates but they where cards from comenity bank, Im aware of the Victoria secret credit card and stage but the others I was a victim of identity theft.. I would like to consolidate my balance with the two cards Im aware of, and pay the balance off paying a small payment every two weeks until completion.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closely monitor my credit score through Experian. My credit score has dropped by a total of XXXX points in the past 2 months. This is in spite of the fact that I have no late payments reported, and the fact that my balance overall across all accounts is the lowest it has been in over 30 years. In fact, several of my accounts are at a zero balance. I have contacted Experian, but have been unable to get any explanation as to why this is happening. They basically told me that they had no way of answering the question.
Product: Payday loan, title loan, or personal loan

XXXX XXXX listed me as a co signer on a loan for 3000 and I have dispute with the lender this loan. Her and boyfriend XXXX also overdrawn my checking account at this bank. I have made several effort to correct this spanning well over 30 days and recent contact with the bank they have no idea what I am talking about for updates on the progress. An attempt to deposit the money into my account failed as her name is not a joint account holder. Please have my name detached from the loan, and investigate the money stolen from the checking account. Please reply by both email and mail. I can not afford a phone at the moment. XXXX is my boyfriend phone. Also someone possibly them are stealing my mail and packages at the door. There are 3 missing reissue XXXX checks that were stolen late last week possibly by them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please reference CFPB # XXXX. It has been over 30 days for this investigation and there is still no supporting documents for this BK. Per the Fair Act this public record needs to removed or XXXX, Equifax and XXXX are in the violation. 

I have all of the documents and certified mail I sent over to XXXX, Equifax and XXXX I'm sending a copy of all the mail to XXXX XXXX XXXX, which I will higher to address this concerns as he is the attorney that sued for millions of dollars. I'm sure he this case for sure. 


Public Record : US BKPT CT OH XXXX
Product: Credit reporting or other personal consumer reports

XXXX equifax and XXXX continue to send letters saying they dont believe it is me submitting the disputes and refuse to investigate thoroughly this practice has been going on for on with my report for over a year. I need the disputes investigated and deleted if not thoroughly verified. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting

I recently received notification from XXXX regarding NORDSTROM credit card reporting a balance of {$340.00} for the month of XXXX which is incorrect. I currently have a balance of {$220.00} after my recent payment prior to the statement close date. XXXX and XXXX are reporting the correct current balance of {$220.00} accurately. However NORDSTROM failed to report the correct balance to XXXX for this month. In fact they have reported 30 days late which is also incorrect. I made contact with card services and explained the reporting issue. I received a letter dated XXXX/XXXX/17 stating they have reported to all XXXX credit files correctly. This is not accurate, I have attached an insert from my XXXX credit reporting reflecting the non reporting for the current reporting date of XXXX/XXXX/17. NORDSTROM failed to report to XXXX for XXXX/XXXX/17.
Product: Mortgage

I fell behind on my mortgage payments after my divorce 3 years things started getting bad financially. I am now to the point where I have to short sale my home to get out of this debt. This has caused my military career to come to a stop, because of the debt. Since deciding to put the house on the Market my realtor had advised me to let Wells Fargo know that I would be putting the house on the market. I spoke with the liquidation department they advised me when I got the offer all we needed to do was fax them the information. Everything has been done via phone call. Since getting that information and having the house on the market we then received an offer on the house. We were looking for a response from Wells Fargo yay or nay if they would accept. They told me that I needed to be approved for a short sale before I could put the house on the market. This is new information that was never discussed months prior to the offer. This last two months have been nothing but run around since I started the process. There was many times I would get different fax numbers and everyone always mentioned how that wasn't their department and I needed to fax to another department. It is a lot of unnecessary work, and I would like for someone to get ahold of the offer that in on the table and for me to be able to sale this house. I would not have had a problem with paper work if they would've told me what needed to be done in the beginning, but everyone I contacted told me there was nothing I needed to do to be approved for a short sale. One would think Wells Fargo doesn't want this debt to continue and would love to have this loan paid off, but they are dragging their feet and aren't trying to help me at all. I am in a hard spot in my life and would expect for this process to be a lot smoother than what it has been. I just need someone to fight on my behalf to get things rolling. 
Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax received my official letter via certified mail tracking number XXXX delivered XX/XX/XXXX at XXXX XXXX. Specifically, it was a request to remove the " extended fraud alert '' and also remove " file blocked for promotional purposes ''. I also included the front/back of my drivers license and front/back of social security card. I do not want my information to " get lost in the shuffle '', especially, with new credit reporting laws that took place in XX/XX/XXXX,  meaning the credit reporting repositories are inundated with updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, before and after I have submitted numerous request to verify and update data as stated on current credit reports. Despite this the complained of agencies continues to update and verify false and incorrect data as you will see on my most recent disputes / complaint ( attached is a copy ) of the hard copy sent to XXXX, Experian, XXXX and to guys concerning my issues.
Product: Debt collection

The original debts were XXXX XXXXXXXXfrom overdue library books that my daughter had in XXXX. I was fleeing with my children from a XXXX XXXX XXXX and moved out of state. When I became aware of the amount owed to XXXX XXXX XXXX, I was told that considering the circumstances they would waive the fees and said that I didn't have to pay anything. The other {$45.00} was a medical bill that had already been paid by my insurance. 
CSO never served me anything and obtained a judgement and in XX/XX/XXXX began garnishing my wages for these debts and claim I owe {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$3100.00} XX/XX/XXXX XXXX  XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. ( account # Account number XXXX as I have previously filed a complaint with Federal Trade Commission and Consumer Financial Protection Bureau due to Identity Theft because of Data breach. 

XXXX XXXX  has reported collection on my credit report # Account number XXXX OPENED ON XX/XX/year> I DO NOT HAVE ANY CONTRACT WITH XXXX XXXX XXXX XXXX DID THEY PROVIDE ME WITH any Original contract with my signature on it with their COMPANY. 

PLEASE SEE ATTACHMENTS : REPORT FILED WITH FTC
Product: Credit card

The accounts listed on this report were fraudulently opened, and I did NOT benefit from the fraud. Transactions were made that I did not authorize and my personal information was used for financial gain without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equaifax to update my credit score when i had and acct remove but it hasn't updated XXXX XXXX was removed but not update on my credit score Customer service is the worst i experience
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$4200.00}
Product: Credit card

XXXX of my Barclaycards ( XXXX XXXX and XXXX Visa ) were recently closed for undisclosed reasons. I always paid my bills on time ; never a late payment and always followed their terms and conditions. I had XXXX XXXX points which is equivalent to {$120.00} which I earned through purchases as well as XXXX XXXX points ( {$1.00} ). These points are owed to me and I would like them credited. Quite honestly I believe this financial institution is pulling a bait and switch and am not pleased with their actions. I am strongly considering legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to TRANSUNION multiple times requesting the information on my consumer report be verified with original documentation to verify it the information on the report is correct. Transunion has yet to send me any documentation on this matter. I am a victim of identify theft and I have file a report with https : //www.identitytheft.gov XXXX  - {$1300.00} - XX/XX/XXXX XXXX XXXX - {$6800.00} - XX/XX/XXXX XXXX XXXX XXXX {$17000.00} - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : 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, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On XX/XX/XXXX, I received a letter from Frontline Asset Strategies LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MN XXXX stating that I owe XXXX {$80.00} for an account number ending XXXX which is different than my existing XXXX XXXX account number. I contacted XXXX XXXX to understand what was this account about and XXXX XXXX team could not locate the account. Then I went to the nearby XXXX XXXX service center to verify my credentials and later XXXX identified the account is for a wireless internet service which they claim that I opened XX/XX/XXXX. I was not aware of any such accounts. I have never received any email or phone or chat or postal communications regarding this account from XXXX XXXX  and I didnt use any wireless internet service under that account. In fact ; I never knew I had a wireless internet account with XXXX until I received the notice from collection agency. I have never used any internet service under this account. 

Without providing any kind of communication about this matter, XXXX sent it to collections and collections reported this matter to credit agency. I disputed this charge and requested collection agency to provide all email/chat/postal correspondence regarding this account and usage information ( data upload/download for internet ) from this account. I havent received any such response from XXXX or collection agency yet. 

It is very upsetting to see that this is reported to credit agencies which will deteriorate my credit score tremendously. 

I wanted to file a complaint against XXXXFrontline Asset Services for unethical practices and request to remove the collection report from my credit report.
Product: Debt collection

I was sued and have a judgment against me that I was not even aware of. I never signed for any papers. I also never talked to anyone on the phone. However, they did call my daughter and my XXXX mother in law that I have not seen or spoke with in over XXXX years. I did not know I had been sued until I saw the charges on XXXX XXXX XXXX XXXX. 
the judgement was for XX/XX/2021 and it was for XXXX. They harassed my family and XXXX  mother XXXX law. but, never talked with me. I am not sure if it is even my debt.. It has been a rough few years... I lost everything bc of the pandemic and also was a victim of credit fraud. I do not know what to do.
Product: Credit card or prepaid card

Opened an Amazon secured credit card. I contacted Syncrony Bank asking for the account to be closed security deposit be closed and paid the balance. To date account has not had the deposit applied so that Syncrony Bsnk can charge me a late fee.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. ( CFPA ). Specifically, CashApp failed to timely and effective manners to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution 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: Consumer Loan

I started a loan with Santander Consumer USA XX/XX/XXXX. My loan was for {$13000.00} with a {$2000.00} down payment ( {$1000.00} in cash and {$1000.00} trade in for my Dodge Durango ). My loan was for 72 months @ 22 % interest with final payment being around {$24000.00}. Each time I 've hit into a hardship due to loss of income they were asked to work with me. I 've always caught up payments that I 'd be behind on and each year at tax time I would pay what was owed plus extra so I could be a month or two ahead. I would be told yes it was showing that I was ahead but by the next payment due I would be told I was a month behind. XXXX XXXX they put my car as a charge off on my credit report with amount owed being {$9900.00}, XX/XX/XXXX they sent a repo company out to get my car. The repo company came and took my car out of my garage and refused to show me the repo papers they had ( illegal ). I paid over {$3000.00} to get my car back to have them send repo again XXXX/XXXX/XXXX from my work. Again this repo company would not show me papers. I paid {$1100.00} to get my car back and that company had the release papers for my car before they returned to their lot with my car yet they slim jimmed my driver door damaging my stripping to bag and tag my stuff ( they had release so why bag and tag my stuff? ). Car company said XXXX XXXX my payoff amount was at {$10000.00} yet XXXX/XXXX/XXXX my payoff is {$11000.00} ( how does amount go up if you pay on it? ). I have asked the company numerous times to refinance my loan so I could get a lower interest rate and payment so I could stay caught up, they told me they do n't do refinancing. I asked them to fix my credit report so it shows car is paid up to date and not a charge off and they told me they ca n't do that. If my car was charged off then how am I able to still pay on it and pay same account instead of paying a collection agency? I have paid {$18000.00} on a {$13000.00} loan amount financed with end payment being {$24000.00}. How can I still owe {$9900.00} on a loan that 's stated as a charge off at {$9900.00} when I should n't owe that amount? Company calls me 3-5 times a day everyday they do not receive a payment whether I 've talked to someone already or not and continue to until they get a payment. Notes are incorrectly put in or not put in it seems. I 'm so frustrated with this and I ca n't even get another company to refinance my car due to what Santander has done to my credit report. I would love more than anything for Santander Consumer USA to send me the title to my car and fix my credit report stating paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and dissatisfaction regarding the multiple unsuccessful attempts I have made to rectify fraudulent items on my credit report. These fraudulent items are causing significant harm to my financial well-being and are in violation of the Fair Credit Reporting Act. I am seeking immediate resolution to this matter. 

To provide you with a complete understanding of the situation and my extensive efforts to address it : I discovered several items on my credit report that I firmly believe are the result of identity theft or fraudulent activity. 

Upon discovering these fraudulent items, I promptly filed a dispute with your agency. I submitted all necessary supporting documentation and evidence to substantiate my claim. 
Following the initial dispute, I requested a reinvestigation of the disputed items as I believed they were not adequately addressed during the initial dispute process. 
I have made numerous follow-up attempts through written letters, emails, and phone calls to your agency, seeking updates on the status of my dispute and the progress of the reinvestigation. Despite my persistent efforts, I have not received any resolution or a satisfactory response. 

The Fair Credit Reporting Act mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, my dispute has not been resolved within the required time frame, which is a clear violation of my consumer rights. 

I hereby request that you : Initiate a thorough and immediate investigation into the fraudulent items on my credit report, as mandated by the law. 

Furnish me with a written response that outlines the results of your investigation, including any actions taken to rectify the fraudulent items. 

If it is determined that the items are indeed fraudulent, I insist on their immediate removal from my credit report. 

Ensure that your agency adheres to all relevant laws and regulations, including the Fair Credit Reporting Act. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS XXXX Balance : - XXXX XXXXXXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$480.00} XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

Santander Consumer USA accepted a fraudulent loan with forged signatures. Santander Consumer USA failed to respond to consumer questions and acknowledge errors.

Santander Consumer USA failed to agree to terms and conditions stated in prior lawsuits, particularly language involving " moving forward '' for future loans. They were obligated to adhere to strict conditions and failed to do so.

Santander Consumer USA continues to lie and harass.