23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX Military an incurred a debt from AAFES credit card company. Around XXXX of last year my pay was messed up from XXXX and was unable to pay. I contacted AAFES before and after and paid current as soon as I was paid. They marked me as 30 days late on my credit report. I attempted to disputer the derogatory remarks from the 3 companies and also send almost 30 emails in the past year and cant get AAFES to remove the 30 days late from my reports Please help Many Thanks
Product: Checking or savings account

I recently received a job offer from " The XXXX XXXX '' to work as a data analyst on XX/XX/2023. After accepting their offer, I was asked to send over my contact information ( i.e. name, email, and phone number ) by a supervisor by the name of XXXX XXXX so they could send over to their HR department to set me up with orientation. I didn't think too much of it because I thought it was protocol. Little did I know, I started seeing fraudulent XXXX wire transfers from my primary bank account. I don't use that platform at all for money transfers. It got so bad I had to close my account and open a new one on XX/XX/2023 over the phone which took a couple hours. I filed a claim on the same day so I am waiting to see the results which can take 10 business days. I also contacted the HR of the Company by phone on XX/XX/2023 to let them know about the situation. The phone numbers for the Company are XXXX and XXXX. Below are pics I have found so far.
Product: Credit card or prepaid card

Received credit card with my address, wrong name.. 
Did not apply for any card, received Chime card Did not apply for loans., was contacted by a loan co. 
Will not apply for any other cards or services I have no need for any accounts ....
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Balance Owed : {$270.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting

Transunion is reporting inaccurate information on my credit report. The tradeline listing is for XXXX XXXX and it shows " 120 days late '' as of XX/XX/XXXX. I have proof that this account is not late since it has been been through rehab for XX/XX/XXXX. Also, I can show that this account has been " manipulated '' by deleting all " ok '' after the rehab of the loan. By deleting all " ok '' from the account after XX/XX/XXXX, this shows that the account is still late and in default. Currently, the account is managed by XXXX.
Product: Checking or savings account

I signed up Wells Fargo when it was XXXX XXXX. I have free checking and savings account. I have been with them for more 40 years. I never signed any paperwork for them to constantly charge me for checking and savings account. They took {$700.00} out my checking account and closed without telling me. They took another {$350.00} out my savings account. I paid off Wells Fargo credit card early and Wells Fargo dinged my credit. I had paid off the entire card and the company still dinged my credit for over a year. I called multiple times to fraud team and credit card company of Wells Fargo non of managers could explain why? I had to hire someone to drop it off my credit when I lost XXXX family members recently. Wells Fargo doesn't care about their customers. Legally, I never signed Wells Fargo to charge fees, since I've been there since they were XXXXXXXX XXXX I've lost over grand both accounts and more hassles having credit card paid off. Wells Fargo is one worst banks in the history of the United States.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit reports and see some inaccurate accounts reporting. Per the CFPB, you are required to properly investigate this dispute thoroughly and in a timely manner. You are not allowed to ignore my dispute of the inaccuracies on my credit report. Please see attached, disputed information is included in the letter. All identification documents including ID, Social Security Card, and Proof of address is also attached so please do not stall.
Product: Debt collection

I was getting increased and harassing collection attempt calls from American Express about an account I did not recognize. They called my house after XXXX and my relatives house about this debt which is a violation of the FDCPA. I also noticed it on my credit report and I contacted American Express ( AMEX ) by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the Credit Reporting Agencies XXXX, XXXX, and XXXX that I disputed this account with no response each time from AMEX regarding this account. I did however receive a letter from a collection company named XXXX XXXX XXXX, XXXX  They claimed they are trying to collect a debt from AMEX and for me to reply if I did not recognize the account. On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing this erroneous account with AMEX and requesting that they produce verification proof according to Federal and State Law in the form of a contract with my signature. On XX/XX/XXXX I then sent another letter to XXXX XXXX XXXX that they did not produce valid proof according to the law and to have no further contact with me about this account and if they did I was going to file a complaint with the CFPB, my State Attorney General 's Office, and the better business bureau. Since then they sent another package of Statements of this account with my name on it but no contract with my signature. Neither XXXX XXXX XXXX or AMEX produced a contract with my signature on it to verify and prove this account was mine by the standard of Consumer Federal and State Law. I was sent statements by XXXX XXXX XXXX that I did not recognize with my name on it but not contract with my signature that I entered into an agreement for credit with AMEX. I have seen plenty of complaints against both AMEX and XXXX XXXX XXXX for harassment of consumers by breaking the FDCPA and with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Debt collection

After submitting a formal complaint to HUD and the Ohio Civil Rights Commission about discriminatory practices my minor son and I were subjected to on the premises, as well as submitting formal complaints to the FBI IC3 internet crimes division regarding internet crimes that were committed against my minor son and I on the premises, the landlord initiated an eviction in retaliation in XX/XX/XXXX. This eviction was formally dismissed in XXXX XXXX XXXX XXXX in XX/XX/XXXX, both the first cause-eviction and second cause of action-monetary charges upon an agreement that I move. After I moved and turned over my keys, I was issued a bill for thousands of dollars for breaking my lease, after the case for formally dismissed in the court of law. There is a formal investigation open with the OCRC & HUD, as well as FBI IC3 ( internet crimes division ) and I am also on the Ohio victim registry regarding crimes that were committed against me while living there. XXXX XXXX XXXX still sent this bill to a collections department and refused to refund my deposit even though I left the premises in the same condition as it was when I initially rented it. 
I submitted a formal dispute with the collections company and still have not received any correspondence from them.
Product: Mortgage

I was working with a mortgage loan officer and he kept promising me the moon and stars only to come back later and tell me that he could n't deliver. He then kept sending me documents with certain amounts that I would be responsible for at closing only to turn around and tell me in an email that I would be expected to bring an extra {$2000.00} to closing and when I sent him a copy of the document that he had me to sign, he acted like he did n't know what it was. Then when I had finally had enough of the back and forth from him and his empty promises, I went to a different lender and because the loan is FHA, they had me to sign a form stating that I wanted them to release the case number to the new lender. That is when he emailed me copies of a float down agreement that I signed, the first XXXX was for USDA signed on XXXX XXXX, 2016 that stated that if did not close a loan with their company that I would be charged a fee of {$970.00}. When I emailed him to inform him that this was n't a XXXX loan and that the document signed was irrelevant, he then sent me a copy of the FHA document that I signed on XXXX XXXX, 2016 which was signed before the XXXX loan that he promised me that he could deliver and said that I would be charged a fee of XXXX if I did n't close that loan with him. That document became voided when he had me sign the document for the XXXX loan, however, according to the terms outlined in the document. This guy has been using hostile tactics and basically holding me and my bank account hostage so that I use his company to close my loan. He has threatened me and told me that he will be forced to take that money from my account when he never even explained what the document I was signing was for. The only reason he had my bank card number in the first place was because I gave authorization for him to charge me for the appraisal and now he is going to use my bank card information from the appraisal to charge me this bogus fee that he is coming up with in the XXXX hour basically. I have since then decided not to continue with any loan and not to even try to buy a home at this time because of all the XXXX frustration involved in this matter with this lender. For me and my family having to pay a nearly {$1000.00} dollar fee is a huge amount of money. Money, that we work hard for each day to be able to provide for ourselves and my fianc 's daughter, as well as our fur babies. That is definitely not something that I just want to hand over to him for services that he has n't even provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Account charged off. 

FCRA violations : payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : ACCOUNT IS CLOSED FEW YEARS AGO AND XXXX INSERTED NEW REMARK ON XX/XX/XXXX AND FURTHER I MPACTING ME, MY FAMAILY AND MY CREDIT THIS COMPLAINT IS NOT A REQUEST TO GET LEGAL HELP. THIS COMPLAINT IS AGNIST XXXX, BEEN CAUSING HARMFUL IMPACT ON MY CREDIT, THAT HAS IMPACTED OUR DAY TO DAY LIVES ( FAMILY AND MINE ). 

XXXX HAS BEEN AND CONTINUED TO BE NEGELENT IN RESOLVING THE HARMING ITEM IN MY CREDIT. I HAVE BEEN FIGHTING AND STRUGGLING TO RESOLVE THIS ISSUE IMMEDITELY AFTER THE TRANSACITON OCCURRE IN LATE XXXX. THE CONTINUED ACT OF XXXX IS NEGELEGANT, INCONSIDERATE AND SHAMEFUL. 

I NEED HIGER LEVEL TO BE CONSIDERATE AND RESOLVE THIS NEGATIVE IMPACT WITHOUT DELAY AND DO THE RIGHT THING. 
PLEASE STOP XXXX TO CONTIUE TP ABUSE MY CREDIT AND CAUSING IMPACT ON MY DAILY LIFE. THIS IS TOO MUCH OF THE ABUSE OF POWER TOWARDS NORMAL AVERABGE CONSUMER AND SEVERE IMPACT BY XXXX.
Product: Debt collection

In response to many complaints that I have submitted against SALLIE MAE. My name is XXXX XXXX a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. 

In reference to Account # : XXXX Ive a attached a cease & desist to this complaint and demanding Sallie Mae to cease communication. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to 15 USC 1692a ( 2 ). As you should be aware that a credit report is a medium.

The creditor knowingly is furnishing fraudulent information, such as negative inaccurate comments information, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to 5 yrs, or both. 

Im aware that a Charge Off by law is the writing off of a debt and the termination of collection activity without release of personal liability. Im aware that write off is removing this asset from the accounting books. I'm aware that collection activity is Sallie Mae furnishing this alleged debt to my credit report to coerce me into paying this debt. I have not received a 1099 for this and im aware that Sallie Mae is furnishing their adjusted gross income on my credit report because they wrote this debt off. Im also aware that Sallie Mae is furnishing false and misleading information on my credit report because of their actions. So if a Charge Off by law is writing off a debt and the termination of collection activity, why are you still reporting this on my credit report?

So now Im asking for verification of this debt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and u fair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and 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: Debt collection

This debt company has sent a letter and called repeatedly on my phone and now they are calling my parents home number. I dont live there non have I given any permission for them to do this!!
Product: Debt collection

This is a response to Case XXXX. I did not respond because I was working on getting a lawyer  on the case. Nothing about the response said anything. The Comenity Bank response supported that they created 3 accounts on my credit in XX/XX/XXXX and are continuing to collect on fraudulent charges on the ComenityCB/HSN  account. They are doing this with harassing emails to my wife  who was just using our existing credit to purchase items from HSN. My wife   and I have **never** applied for any Comenity Bank credit and I stand by that firmly. I will not pay $ 2000+ for fraudulent charges on a fraudulent account when I know fraud occurred. I know someone was getting into my mail and I have not had any problems with fraud since I changed my mailbox key. I did file a police report. However, Comenity is directly at fault for the fraud. Comenity Bank has not yet showed evidence that I applied for the account but instead dodges the question. XXXX has supported the fraud. According to Comenity, after I disputed the charges end of XXXX with Comenity, they closed the account then opened a **new** account in XX/XX/XXXX. **I never asked for a new account**. Immediately, I closed the account over the phone via their automated system. The account was closed by XXXX  and XXXX but was never closed by XXXX. XXXX continued allowing Comenity to report status as if I was paying on it even though I had not paid on the account since we had the dispute end of XXXX. XXXX falsely reported late charges on the account end of XXXX. Since I stopped disputing with XXXX, they finally closed the account middle of XXXX like a slap in the face for trying. This is a case of identity theft, false reporting, intentional harassment, and unenforced consumer protection rights. I am not paying Comenity Bank for fraudulent charges on a fraudulent account. I have reported this to a lawyer. This has affected my credit and my ability to use credit for things I would like to use if for. This has affected my life and the lives of my family.
Product: Credit card or prepaid card

BB & T bank is telling me I can not redeem my reward points that I earned from my credit card because it is less than {$25.00}. I was not made aware of that when I opened the credit card. I asked them if they could just take my approximate {$14.00} of reward points and just put it in my currently active checking account at BB & T but they said no. They instead told me they can only redeem those points in multiples of {$25.00}, which means that anyone that closes a credit card there will likely forfeit ( on average ), about {$12.00} of points. This to me is a scam. They are making it almost impossible ( or at least very difficult ) to redeem all of the reward points because if someone is say {$10.00} short of the next multiple of {$25.00} redemption amount, they would have to spend hundreds of dollars more on that same credit card just to get the final {$10.00} of reward money. That is totally unfair and very misleading. 

I told BB & T they need to pay me my earned points otherwise I will close all of my BB & T accounts ( which I will ). When I opened the account, they told me I earn 3 % on gas purchases, 2 % on restaurants, and 1 % on all other qualifying purchases. This is actually incorrect ( and misleading ). Since I can not redeem my points ( because I only earned about {$14.00} in points ), my effective reward is 0 % for all tiers ( no 3 %, no 2 %, no 1 % ). I don't remember them telling me anything about this rule when I opened the account so it may be hidden in the small print but my point is they did not make me aware of it as they are supposed to go thru the rules of the card at the time of opening and make them clear. 

This is a big disappointment to me as I feel I have been scammed. Had they made me aware of this restriction when redeeming points when I first opened the card many months ago, I would have declined the card simply based on that stupid rule. It seems to me that just about everyone who uses a BB & T credit card will eventually get screwed out of some of their earned rewards because of this ridiculous rule they are claiming is in effect. I know of no other bank that has this stupid restriction so it appears BB & T is being " sneaky '' about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquiries are listed below : Experian : XXXX  XX/XX/20
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX. A purchase was made for {$2000.00} at XXXX XXXX store # XXXX without my knowledge or permission. Already made a report and file a dispute with XXXX that is under investigation. I contacted them by phone and spoke with a representative. 

Is not the first time that I have this type of fraudulent activity on this particular Credit Card from XXXX. 

A credit inquiry was made on my Equifax during that fraudulent activity, I contacted " Equifax '' and they are requesting an " FTC report '' in order to review this situation.
Product: Debt collection

XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 XXXX In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.