23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear XXXX, I am writing to formally register a complaint in connection with my American Express XXXX XXXX XXXX XXXX Credit Card XXXX which I opened under the terms of your prominently advertised welcome offer. This correspondence seeks resolution for an issue pertaining to the promised {$200.00} promotional credit, which has not been credited to my account despite my adherence to the stipulated conditions. 

As an eligible applicant, I was preapproved for the Blue Cash Every Day Credit Card and subsequently submitted my application directly through the designated welcome offer portal. At the time of application, I perused the offer terms in a cursory manner, noting a clause that explicitly stated, " if you are not eligible for the welcome offer, intro APRs, and intro plan fees, we will notify you prior to processing your application so that you have the option to withdraw your application. '' To fulfill the terms of the welcome offer, I diligently made eligible purchases totaling {$2000.00} within the first six months of card activation. Furthermore, I ensured that all outstanding balances were paid in full well in advance of the closing cycle, as evidenced by the attached documentation. 

It is deeply disconcerting that, despite my adherence to the terms and conditions, American Express failed to honor the commitment of providing the promised {$200.00} promotional credit. When I contacted one of your agents via telephone, I was informed that American Express does not possess real-time information on an applicant 's eligibility for the welcome offer. This response contradicts the very terms of agreement that your company has put forth, which explicitly state that applicants should be informed of their eligibility status before their application is processed, thereby affording them the opportunity to withdraw their application if necessary. 

Regrettably, I received no indication of ineligibility until I proactively reached out, six months after the requisite spending and payments were completed, to inquire about the conspicuous absence of the {$200.00} statement credit. It is important to note that American Express records all phone calls, and despite this fact, the company has yet to acknowledge its own deviation from its stated obligations. 

I am deeply disappointed by this lack of transparency and failure to uphold the terms of the welcome offer, which was a significant factor in my decision to open an American Express credit card. I kindly request that this matter be addressed promptly and that the {$200.00} promotional credit be applied to my account in accordance with the terms initially presented to me. 

I anticipate a timely resolution to this matter and kindly request written confirmation of the actions taken to rectify this situation. Failure to address this issue satisfactorily may necessitate further action on my part to ensure that my rights as a consumer are upheld. 

Thank you for your immediate attention to this formal complaint. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I am filing a complaint against a debt collector for failing to comply with my written request to cease and desist all telephone, text, and email communications to my residence or workplace. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I exercised my right to request that the collector stop contacting me via these methods. Despite my clear and lawful request, the debt collector has continued to contact me, violating my rights under the FDCPA. 

I kindly request the CFPB 's assistance in addressing this matter and ensuring that the debt collector ceases all unauthorized communication immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. This account has been settled and paid. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. XXXX XXXX Account Number : XXXX This is my SECOND ATTEMPT to remove inaccurate late payment remarks from my report. Please stop your stall tactics and comply with my request for removal of the inaccurate information as it is a BLATANT VIOLATION of my rights as a consumer under federal law. XXXX XXXX Account Number : XXXX The following account has been listed as having late payments, pursuant to 15 USC 1666, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please update the account as I have not been late on any of these payments. 




* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please review the enclosed documents ; the personal details you've mentioned do not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing ( again ) to formally dispute the inaccuracies and inconsistencies in my credit report regarding the account with XXXX  XXXX, Account Number : XXXX. I have recently received my credit reports from TransUnion, XXXX, and XXXX, and after a careful review, I have identified several discrepencies that require immediate attention. 

1. inconsistencies in Reporting Dates : Transunion reports the last activity on XX/XX/XXXX. 
XXXX reports the last activity on XX/XX/XXXX XXXX Reports the last activity on XX/XX/XXXX XXXX. Discrepancies in Reported Late Payments : XXXX  XXXX reported a 30-day late payment to both XXXX & XXXX XXXX XX/XX/XXXX. 
- However, it was reported to TransUnion that I paid on time 3. Request for Documented Proof : I request DOCUMENTED PROOF of any LATE payments associated with this account. 

These inconsistencies not only misrepresent my credit history but also violate the Fair Credit Reporting Act ( FCRA ). I demand immediate action to rectify these errors, including the escalation of this investigation and the removal of the account from my credit report. 

I expect a prompt response within the statutory timeframe as outlined by the FCRA. Please provide me with updates on the progress of this dispute and any documentation supporting your investigation. 

Failure to address this matter appropriately will leave me with no choice but to pursue further legal actions to ensure the accuracy of my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair 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 procest 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 XXXX  have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I got a flurry of notifications on my phone from the Current banking app saying I successfully created a virtual card ending in XXXX, money had successfully been transferred to XXXX and XXXX from XXXX and XXXX, and that I had made a bunch of ~ {$100.00} purchases at a XXXX in Florida. 

All of this was confusing to me because I hadnt logged into the app since the evening before ( XX/XX/XXXX ) to pay my {$2100.00} rent and another $ XXXX-ish for some credit card payments. 

I tried to tap the notifications to login to the app and was locked out. I emailed XXXX. XXXX told me that no account was associated with my phone number and asked do I remember the email and phone number I signed up with. I told him this. He never replied. 

I had to call Current several times on XX/XX/XXXX to even get assistance. I wasnt receiving codes to my phone for a few minutes and restarted my phone and XXXX. I couldnt access my account until I had my wife try to enter my credential on her phone. 

My checking account which had around {$2400.00} in it the night before was at around - {$73.00}. My savings accounts has been cleared. Two random teen accounts has been added to my account and they even had a new physical card shipped to them at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. {$4000.00} of my savings was transferred from the teen account XXXX ( short for XXXX ) to the Current Pay account XXXX. {$2000.00} of my savings was transferred from the teen account XXXX ( short for XXXX which was an incorrectly spelled version of XXXX alter ego ) to the Current Pay accountXXXX. Another transaction for {$2400.00} even occurred at XXXX XXXX WHILE I WAS ASLEEP. 

I have done support chats numerous times where reps ask me to give them 2-3 minutes to review my account multiple times just to tell me theyll need to continue investigating and that theyll get back to me via email. Nothing works. 

Today, I even had a rep named XXXX tell me there was no way for me to dispute the transactions I described AND provided screenshots and receipt numbers for AND proved were not done by me just because they were transfers between my savings pods and spending accounts. 

This has been a mess for me.
Product: Money transfer, virtual currency, or money service

I used a cryptocurrency exchange " XXXX ''. They were owned by an American holding company. When I tried to log in my password did not work and it had no options for me to recover my password as I had changed phone number but my email was still the same. 

I had invested in multiple different cryptocurrencies on the exchange. I planned to check back in a year. They told me my password was incorrect and it would not let me use the password recovery feature. Some time later the exchange and website was shut down. 

I was never able to retrieve my cryptocurrency. 

Secondly, I had purchased a token called XXXX, they were shut down and investors were able to submit a claim my name was listed on the debtors 4 times. The website for the claim handling " Stretto.com '' said I could download a form and mail it in for a settlement. Unfortunately the stretto.com website would not render the form on their website and it would not print. I tried multiple times. Their phone and email support was virtually non existent. 

Basically I was defrauded even though the stretto XXXX  claimants could apply for reimbursement I was stonewalled on every attempt and received nothing. 

The companies who were involved- XXXX owned by a holding company XXXX XXXX XXXX 
The cryptocurrency XXXX The settlement manager Stretto.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two JPM Chase Private Student Loans remaining on my credit report should be removed immediately. According to my credit report they were opened in XX/XX/XXXX. They were reported delinquent in XX/XX/XXXX. I know they are due off by law in less than 1 year but my family needs my credit restored now.

I disputed the legitimacy of the accounts with XXXX  on XX/XX/XXXX and XX/XX/XXXX. The dispute results are wrong. The dates reported are wrong as well as the payment history. It is my contention that it should have been reported delinquent immediately therefore my XXXX   years have passed. The first 3 months are marked OK as if I made a payment. I never made any payments or agreed to any type of forbearance. Furthermore I can not get ANY information about the accounts from Chase, XXXX, US Dept of Ed, XXXX, XXXX or any other place Ive been directed. Ive spent multiple days on the phone, sending certified letters, etc.

XXXX  mails its dispute results. On Report # XXXX dated for XX/XX/XXXX the phone number XXXX is listed as a number for JPM Chase. XXXX XXXX XXXX   in XXXX, OH is also listed. My certified letter to the XXXX XXXX received no response. All of my contact information including address, phone number and email were listed. I called the XXXX number listed, a sister company representative used my social security number to find my accountNO DATA WAS FOUND.

The link dedicated to student loans on Chases official website says all private loans were sold to XXXX Chase no longer deals in student loans. Again, my loans are now 10 YEARS OLD. Chases customer service literally had nowhere to send my call. This can all be verified easily by visiting the website.

I tried XXXX. They had no record of those two private loans. They directed me to the US DEPT OF EDUCATION. Hold time + phone time was over two hours. The US Dept of Ed has absolutely no record of these loans.

I want them both removed from my credit report immediately. No one can verify the information. No one can give me information. Each party directs me to the other parties. Its a cruel situation. Im a now XXXX  year old married father of XXXX, in career year 8. Im stable now and credit is really holding us back. They give you all the credit you want as an 18-year-old kid with no income and let you hang yourself. I want to be free from these loans that are older than my children.
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiries that I have listed are a result of identity theft and must be deleted within four business days of your receipt of this report pursuant to 15 USC 1681c-2. Also, Pursuant to 15 USC 1681e ( b ) please update my personal information to reflect accurately on my credit file. 

SEE ATTACHED IDENTITY THEFT REPORT.
Product: Mortgage

Hello Please understand that Select Portfolio Servicing refuse to modify my loan in order to keep my home because i had a PO Box as my mailing address. 
As of XXXX/XXXX/XXXX Select Portfolio Servicing placed me on a HAFA Short Sale since they denied my loan modification application, Select Portfolio Servicing placed a value inspection thru a Brokers Price Opinion which it came back at {$380000.00} After several months under review As of XXXX XXXX Select Portfolio Servicing order a new Brokers Price Opinion hiring a new company to perform the evaluation, A few weeks later, the new report came back at {$550000.00} as the new value. 
As of XXXX XXXX i disputed the value since it did n't make any sense that the value increased almost {$200000.00} in just a few months. 

Select Portfolio Servicing refuse to take the report that i prepared for them to dispute the value, i spoke to a manager from the ombudsman dept. who told me that in order to dispute the value i will have to pay for an appraisal out my pocket. 
So i did, i paid for a Licensed appraisal to go out to my home and confirm the value, a few days later i received the full report showing that the value was {$400000.00}. 

Now Select Portfolio Servicing is refusing to use the Appraisal that Select Portfolio Servicing forced me to pay for in order to dispute the value, i requested for a manager since this is ridiculous that they keep providing me with misleading information and now they just refuse to help me avoid foreclosure. 

Please help since all im trying to do is now sell my home in order for me to avoid foreclosure. 

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

XXXX XXXX XXXX XXXX XXXX XXXX. 
[ XXXX, PA. XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Subject : Cease and Desist Request for Sharing of Personal Information Dear XXXX, XXXX, and Experian, I am writing to formally request that you cease and desist from sharing my personal information with third parties, as allowed under the Fair Credit Reporting Act ( FCRA ). I hereby exercise my right to opt-out of the sharing of my personal data for marketing and promotional purposes. 

Please take immediate action to ensure that my personal information, including but not limited to my name, address, social security number, and credit history, is not disclosed or shared with any third-party entities without my explicit consent. 

I understand that the FCRA grants you certain rights to share consumer information for specific purposes such as credit evaluation and underwriting. However, I am exercising my right to restrict the sharing of my personal data beyond these permissible purposes. 

I request that you confirm in writing that my personal information will be removed from any mailing lists, telemarketing databases, and other marketing channels, and that you will refrain from sharing or selling my information to any third parties for promotional or marketing purposes. 

I expect your full compliance with this request within 30 days of receiving this letter. Failure to honor this request will be considered a violation of my rights under the FCRA, and appropriate legal action may be pursued. 

I appreciate your attention to this matter and trust that you will promptly adhere to my request. Please provide written confirmation of your compliance at your earliest convenience. 

Thank you for your immediate attention to this important matter. 

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

I asked the credit bureau to do a verification of everything on my credit report, and they say that they did and stated that everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. In accordance with the fair credit reporting act convergent account Experian has violated my XXXXights..with a BK on my report 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.
Product: Money transfer, virtual currency, or money service

I sent money to an outside exchange company that I got scammed by that will be another complaint that XXXX start next. 

XXXX is holding on to my money and crypto because I sent money to an exchange company that I later found out was a scam. I sent them all of the information they asked for. The reps cant speak proper XXXX so how are they understanding what Im telling them. Also, they keep sending the same messages over and over with a case number that is immediately closed out so XXXX cant get in contact on the number they provide in the emails. Everytime they contact me its a new case number because they are closing them each time so no one can call them back. Now they are saying that my account will be closed immediately. I feel that these people with XXXX are scammers. My account was never compromised. I got scammed outside of XXXX but theyre treating it as if my account got hacked and it didnt! Its them playing games with my account and sending me links to enter passwords as if I dont know its them. I recorded XXXX conversation to catch them in the act of hanging up on me. They will call to ask XXXX questions then hang up on me. It happened XXXX time then they stop calling back. XXXX IS TRASH and they use those foreigners to do wok who barely speak proper XXXX so how can they relate to anyone in the XXXX! That company is trash. My money is just sitting there as they waiting for me to sell my XXXX XXXX XXXX I will NOT and they better not touch it. 

They restricted my account because I sent money from my wallet it doesnt matter if I got scammed or not from the transaction. It was me who sent it! Theyre doing way too much with a lack of information because they wont listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC Affidavit report and credit report pertaining to a a data furnisher listed on my account XXXX XXXX XXXX. At the time of the report the account number they where reporting the fraudulent account under was XXXX as was listed on the affidavit and the police report so it was removed from my credit file with Experian immediately and XXXX it was removed from Experian on or around XX/XX/07 I gave the report attached. What XXXX  XXXX  then did was change the account number with XXXX  to XXXX which allowed it to stay reported on my account and resubmitted it to Experian under this new account number and statement saying the account is current! Experian deleted it again as I informed them of the error and then on XX/XX/XXXX informed me that they had to reinstate it because the data furnisher gave them new information which they had to keep it on the report. They violated the 5day FCRA 605b law which states they are supposed to infirm me of any reinserted accounts twice and did not provide the 5 day forwarning. I attached the documents credit reports where it shows that the comenity account was deleted under a different account number as if XXXX due to the affidavit and the police report then I attached the current report from experian with the new account number and its clearly evident that it is in fact the same account number due to the history and the opening date of the files its identical only account number changed so they can illegally keep reporting it on my credit profile. This situation cost me 80 points and a denial from the XXXX I need it to be resolved immediately so I can reapply with the XXXX so I can get back to business. I attached an updated FTC report with the new XXXX  XXXX account number and as per FCRA LAW XXXX its should be permanently deleted from both XXXX and Experians credit reports immediately. I also sent the data furnisher a Cease and Desist as well as a second FTC REPORT which according to the first one they should of stop reporting however they continued on reporting which is an additional violation to FCRA law rights! In addition to this file there are other fraudulent items being reported with these two bureaus several inquiries that where not initiated by me with Experian its XXXX and with XXXX  they are XXXX/XXXX, XXXX, and wise XXXX XXXX as reported on the attached FTC affidavit the other inquires are with XXXX  I will file a separate claim for that along with the inaccurate reporting from another company XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kikoff has used my information without my consent and I have sent them emails with proof of fraudulent activity and on their end they have done nothing and no response.