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

I received an offer from American Express yet when I applied, I was NEGLIGENTLY denied. Their so called reasons were ERRONEOUS. Not only do I make SUBSTANTIAL income ( ironically more than most at American Express ),  my FICO score of XXXX NOT XXXX ( it is now due to American Express inquiry lowering it by 8 points ) is beyond acceptable for acquiring a credit card. I know others who received American Express cards with less than half my income and a worse credit score. Please explain that to me! 

Furthermore, my Financial Consultant who is handling my credit reports verified there are NO derogatory public record and ALL current accounts are paid as agreed. He verified that any past delinquencies and any collections are erroneous since I had auto paid and insurance. Therefore, if stated other wise, there is EGRIGOUS NEGLIGENCE on XXXX. 

In addition, please be advised, as it should be stated on my credit report, the serious delinquency American Express is trying to use as an EXCUSE is my mortgage. I was involved in a fraudulent Mortgage Company. When I refinanced my mortgage, thousands of monies paid were never applied to my mortgage thus the supposed delinquency As such, I am currently suing XXXX and XXXX XXXX XXXX. Hope, FHA and the FTC are aware of this scam. 

If my qualifications were not up to their standards then why did American Express give me an offer to apply? As such, my XXXXredit score decreased by 8 POINTS!! Obviously, I would of never of applied if I did not receive the offer to apply. This type of behavior is a shady manipulation at least. I found out after the fact that American Express is known for trapping people to apply who are expecting to be approved only to be denied.
Product: Credit card or prepaid card

I purchased a cruise from XXXX XXXX scheduled to depart on XX/XX/XXXX, using my Apple credit card which is administered by Goldman Sachs. On XX/XX/XXXX, I paid XXXX and on XX/XX/XXXX, I paid XXXX. On XX/XX/XXXX, XXXX XXXX  informed me that it was cancelling the cruise due to COVID-19 and I could choose either a future cruise credit or a full refund which would be paid in 90 days. On XX/XX/XXXX, I requested the full refund. I have not received any refund from XXXX XXXX and its website indicates that it does not know when it will be able to repay customers. XXXX XXXX XXXX While the company remains committed to honoring its contractual obligations, it is now on XX/XX/XXXX, 255 days from the date I requested a refund, well beyond what is reasonable for XXXX to refund my money. Pursuant to FTC rules, I initiated a credit card dispute with Apple/Goldman Sachs on XX/XX/XXXX, within 60 days that I was denied the service ( the cruise ) for which I had paid. On XX/XX/XXXX, the Apple/GS denied my dispute saying the merchant had given me a credit. They considered the future cruise credit option, which I rejected in lieu of a full refund, as a credit. I reinitiated the dispute, which was again denied in XX/XX/XXXX on the basis that the merchant had provided information that I had made the purchase. I reinitiated the dispute and yesterday it was again denied on the basis that the merchant had provided information that I had made the purchase. Each time, I have requested the information provided by the merchant and have received nothing. One CSR told me the merchant had provided no information. Moreover, I have never denied making the purchase. I never received the service!! I tried to again dispute the charge yesterday and I can not dispute it yet for some reason.
Product: Checking or savings account

ACCOUNT OPEN IN MY NAME. FAKE CHECK IN THE ACCOUNT. NOT MY ACCOUNT
Product: Consumer Loan

I currently have an auto lone with the company GM Financial, and even though I am slightly behind, I make my payments and even after making a payment, I will receive in excess of 6 or more phone calls a day sometimes more from them. I receive calls as early as XXXX on some occasions, on Sundays, later at night sometimes. It 's relentless harassment and I 'm less than a month behind! They really crossed the line when I found out they have been calling my ex girlfriends fathers ' home line with which I never listed him or his phone number as a reference so how they got it, and why they are calling it leaving me messages there is beyond me. This relentless consumer harassment is uncalled for and needs to end. They call from many numbers, but the most common are XXXX, and XXXX.
Product: Debt collection

Canceled XXXX  XXXX XX/XX/XXXX. Received 1 bill the next month. I called XXXX, was advised my account had XXXX balance and I wouldn't receive another bill, which I didn't. There was no other communication. Received notification XX/XX/XXXX, from my credit monitoring service that there is a collection now showing on my credit report since XX/XX/XXXX. No one advised me from XXXX this bill would be turned over for collection. The collection agency, Diversified Consultants, did not send me written notice, giving me 30 days to dispute this charge before putting it on my credit report. Called the collection agency XX/XX/XXXX and was told it was not their policy to send a notification.
Product: Credit card or prepaid card

I have been an American Express card member since 1986. I recently received a letter informing me that one of my two accounts ( XXXX XXXX ) was under financial review. Bear in mind, my account has never been paid late, ever. In fact, American Express has increased the credit limit on the account twice, without my requesting the increase, in the past 12 months. 

I was asked to give approval for XXXX to access my tax return. What? There is absolutely no reason/rationale for XXXX to make this request. I refused to give XXXX access to my tax returns and my account was closed.I believe this act will unjustly damage my credit rating since I still carry a balance on a closed account. 

I also have a Platinum card with no credit limit and I have never been asked to produce tax statements. 

I would like this issue investigated for fairness and lawfulness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disappointed that I disputed XXXX  and XXXX/Sterling jewelers on theyre innacurate reporting and they sent me a fake application with a forged signature of my name and fake phone numbers and relatives on the application. 
This a violation of the FDCPA I intend to file lawsuit I have sat down with my attorney to review the errors on my report Im extremely disappointed in sterling jewelers for sending a fake application to me and them not correcting my credit report by removing this account
Product: Credit reporting or other personal consumer reports

After reviewing a recent copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Again as previously stated under Fair Credit Reporting Act 15 U.S.C. Section 1681i, please re-investigate and update this disputed account. Please forward me the name and address of the persons contacted : EXPERIAN : XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX : XXXX XXXX XXXX Balance : {$22000.00} XXXX : XXXX XXXX XXXX Balance : {$22000.00}
Product: Credit card or prepaid card

USAA is charging me a 30.4 % predatory interest rate on my Credit Card. I called them twice and asked for a better rate. It was 15.99 % originally. They said they did not have a better rate for me. My credit score is XXXX. USAA is for Veterans only. I think it is disgusting that they think they can charge me such a high rate. Maybe they should not be allowed to represent Veterans!
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX {$9600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 


ONEMAIN Personal Loan Companies XXXX XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

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. 

This is a duplicate inquiry and shall not be showing on my credit report.
Product: Credit card

I received a letter from Macys that an unknown party without permission or authority did try to open up a Macys American Express Card and Macys Credit Card under my name on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is in violation of multiple laws set forth by XXXX in regard to the following account # XXXX. 15. U.S. Code. 1681a ( 2 ) ( I ). states that the consumer report does not include information solely as to transactions or experiences ( payments History, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s- 2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX XXXX shall not furnish any information relating to a consumer ( me ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of Indebtedness per the IRS and income Can Not be reported. The IRS Clearly defines a charge off As Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! So, Transunion is now in violation of the FCRA. The reporting of this as A debt is inaccurate. I never received a 1099 - C Form from XXXX XXXX XXXX XXXX for the canceled debt of ( { {$75000.00} } ) in order to file as ordinary income. Where is my 1099-C? XXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debt greater than ( { {$600.00} } ). This is unsatisfactory! XXXX XXXX XXXX XXXX and Transunion have been HEREBY PUT ON NOTICE That they are furnishing incorrect inaccurate information. I have the right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal and verbal per 15 U.S. Code 6802 I'm NOW OPTING OUT of anymore further reporting of this account after XXXX has updated the account to PAID AS AGREED, I AM INVOKING MY SPECIFIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITHHOLDING MY DISCLOSURES, Pursuant 15 U.S. Code 6802 ( B ) Again Transunion is in direct violation of 15 U.S.C 1681 section 602 A. Stating I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also stating a consumer reporting agency can not furnish an account without my written instructions. UPDATE THE BELOW ACCOUNT FOR ALL CONSUMER REPORTING AGENCIES. 


Account name : XXXX XXXX XXXX XXXX Account number : XXXX
Product: Debt collection

I contacted XXXX XXXX  in XXXX to lease an apartment. I paid a deposit and decided after walking the property that it was inadequate. I asked XXXX to return half of the deposit which I was owed by law. They refused so I filed a dispute with my credit card company ( XXXX XXXX ). 

Eventually they return my deposit, and a check was cut from their billing company from XXXX XXXX XXXX XXXX XXXX. in the amount of {$200.00}. I cashed this check with my bank and then called my credit card company to release the funds, in full, back to XXXX. 

This dispute has been resolved ; however, I received a call from Rent Recovery Solutions stating that XXXX did not receive payment from my credit card company. 

I asked the rep to verify the debt and did not receive a debt verification letter. The representative told me she did not receive my paperwork that showed copies of the correspondence from my credit card company, bank, and a copy of the check XXXX sent to me which I cashed. I sent the paperwork via XXXX  with a signature required. It shows as signed and delivered. 

Previously, before dealing with Rent Recovery Solutions, I dealt with XXXX 's billing company for 4 months ( XXXX - XX/XX/2022 ), with endless calls asking for payment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service which violate the CFP act. 
Cash app failed to to take timely and effective measures to prevent an address fraud on their platform. Which has caused severe inconvenience and financial loss.
Product: Checking or savings account

Someone stole a paycheck, with my name and signature on it, from me and somehow they cashed, now my bank ( Bank of America ) is  taken the amount of {$680.00} from my account saying that is a duplicate item, I had already contact the bank and they didnt do anything, they told me to contact my company, and company told to contact my bank, I dont what to do.
Product: Mortgage

Sps loan servicing states they are holding the lien for a defaulted loan over XXXX years old XXXX XXXX XXXX that filed federal bankruptcy in XX/XX/2006 placed a lien on deed in XXXX county clerk of courts in XXXX county florida.the title company used for filing the deed documentation in court was closed about a month after filing the lien XXXX XXXX and abstract the owner was arrested for fraud I don't know if this was valid from the begining or it was written off in bankruptcy court or written off as a bad debt to the IRS sps loan servicing will not disclose any information previous request for validation of debt wet ink sps transaction history fee history corporate advance history transfer from XXXX XXXX XXXX detail transaction history denide by sps loan servicing something is not right with this I believe possible fraudulent practicing please get to the bottom of this
Product: Credit card or prepaid card

I ordered a XXXX XXXX XXXX ( Total of XXXX ) on my Home Depot Credit Card ( through Citibank ) on XXXX XXXX. They shipped the product through XXXX  with no signature required. XXXX  tracking showed the shipment stuck in XXXX until XX/XX/2021. We Contacted Home Depot on XX/XX/XXXX asking where our package was ( for an update on the delivery status ) in which Home Depot told us that the product was never shipped and they were then re-shipping the package. On XX/XX/2021, XXXX updated the Delivery status to " Delivered on XX/XX/XXXX '' so we contacted Home Depot and let them know that we did not receive the package and they said that it shows as delivered and to contact XXXX regarding the delivery. Since it was past 7 days, XXXX could no longer submit a claim or dispute and to reach out to our Credit Card Company. So I did. Citibank credited my account back pending review. I contacted Citibank to dispute the charge on my Credit Card, and in review of their dispute, they determined that the product shows as " delivered '' so they denied my dispute, because XXXX told them so. I have called XXXX, Home Depot, and Citibank with no luck in getting this resolved. Citibank nor XXXX can confirm that the package was delivered to my doorstep ( no signature, no picture ) and nobody will open a dispute or claim to refund my initial purchase of XXXX on my credit card.
Product: Credit card or prepaid card

Here is all the complaints that nobody can fix. Its very apparent there is a problem, however nobody from either company cares to fix this. I have proof on both accounts and yet here we are. No help no resolution just another company taking advantage of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1300.00}, XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report and request its deletion in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws. This letter pertains to my rights under the following statutes : This inaccurate information has never been updated nor corrected from TransUnion, XXXX both agencies updated Fraudulent information on my credit report without notification by mail. I submitted my FTC reporting and also proof of documentation of the following account XXXX is inaccurate and I've submitted proof of the contract with original creditor. 
Legislation : 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information Disputed Information : Upon reviewing my credit report, I found the following inaccurate and potentially fraudulent information : Credit Reporting agency : TransUnion, XXXX Reasons for Dispute : Inaccurate Reporting : Under 15 U.S.C. 1681e ( b ), it is required that credit reporting agencies maintain maximum possible accuracy. The listed items do not meet this criterion.

Obligations of Furnishers : As per 15 U.S.C. 1681s-2, the furnishers of this information are required to report accurate data. Their failure to do so necessitates the deletion of these entries.

Reinvestigation Requirement : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting a reinvestigation of these entries and their subsequent deletion. 
Supporting Documentation : I have enclosed copies of the following documents to support my dispute Action Requested : I formally request that you : Ensure that all inaccurate information is permanently corrected and removed.

Provide me with a corrected copy of my credit report reflecting these changes.

Refrain from re-inserting any incorrect information unless it is verified as accurate.

Legal Rights : Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to investigate my dispute and correct any inaccuracies within 30 days. Additionally, under 15 U.S.C. 1681e ( b ), you must ensure the maximum possible accuracy of the information reported. I've submitted documents of the contract agreement with XXXX showing the correct account number and balance. TransUnion and XXXX are reporting inaccurate reporting. These accounts need to be deleted due to fraudulent reporting.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

I am writting to you as a holder of the account # XXXX from XXXX XXXX for my credit card to report an issue negatively impacting my credit report. this issue appears to be in violation of the provisions of 15 U.S CODE 1666B and other relevant sections of the fair credit reporting act ( FCRA ).

Additionally the FCRA specifically sections 15 U.S CODE 1681i and 15 U.S CODE 1681S-2.

I formally request that you investigate and correct any innacurate information related to these late payments on my credit report. 
Below are the details affected payments : XXXX XX/XX/XXXX. 
Transunion XXXX and XX/XX/XXXX. 
XXXX XX/XX/XXXX and XX/XX/XXXX.