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

I have repeatedly asked American Express to stop marketing credit cards to me. I have also stated that i am not interested in getting advertisements for cards i will not be approved for. I have also stated that i have spent {$1000.00} 's upon {$1000.00} 's repairing my credit. American Express repeatedly violates my rights in regards to this request. I am continuing to receive marketing from them. This time i opened my XXXX profile and i see a credit card solicitation in my inbox. I am seriously only trying to protect my own personal financial well being. I am asking to stop receiving marketing attemtps for cards that i am not going to be approved for. I have made this request through XXXX, I have made this request through XXXX as Opt-Out, I have made my motives and requests very obvious to Amex. I continue to beg American Express to STOP marketing credit cards to me that i will not be approved for and that will bring down my credit score. This continued marketing is violation of my rights and should be noted as part of any further legal action i am advise i could take to stop these misleading advertisements.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I was approved for XXXX  XXXX XXXX grant to assist in mortgage that was in forbearance for a year or more. The timely Grant process was eventually approved and I was greatful for it, however I advised my Mortgage lender that I was approved for the grant prior to extending my mortgage to XXXX years in their loan modification. When the XXXX XXXX grant provider contacted my mortgage lender the lender advised of a modification so the grant was then declined. I am thankful for all the assistance from both ends however I believe my lender acted as me to deny the grant. The modification did allow me to handle my new mortgage payments somewhat without struggling as much by extending my XXXX year left of original XXXX year mortgage to XXXX years. I wanted to make this aware what could potentialy affect someone elses mortgage grant approved only to be denied by Mortgage leinholder. I never advised the XXXX XXXX XXXX  that I was no longer needing the assistance and was advised that my mortgage lending company denied the funds for approved assistance. I recieved a email today from the XXXX XXXX XXXX entity stating that application was withdrawn for reason of " Homeowner Cancelled '' and this is not correct. Rocket Mortgage pressed hard for loan modification upon being advised of GranXXXX awarded. I am not totally convinced that the Grant provider has a hand as well since they said I withdrew grant application. I missed a year of payments during COVID forbearance. The XXXX XXXX XXXX entity and mortgage company both can not be listed as entity 's complaining about. There is definite conflict from what I was advised by XXXX XXXX XXXX XXXX XXXX and my mortgage lender denying the grant. I attched docs confirming.
Product: Credit card or prepaid card

XX/XX/2020 my PayPal Account, which is supported by my XXXX XXXX Credit Card was charged {$4500.00}. 
Payment was to XXXX XXXX. The transaction ID is : XXXX. I do not know XXXX XXXX. 
The dispute case ID is : XXXX. 

XX/XX/2020 I called PayPal to inquire about the charge on my PayPal Account to XXXX XXXX. 

XX/XX/2020, I received an automatic reply from PayPal which thanked me for contacting the company. 

XX/XX/2020, I received correspondence from PayPal which stated that my account was limited. 

XX/XX/2020 at XXXXXXXX XXXX, PayPal sent me correspondence denying my dispute because my billing dispute does not match my qualification for a billing dispute. 

XX/XX/2020 at XXXX XXXX, PayPal sent me correspondence stating that because I filed this dispute with [ your ] financial institution or credit card company, and not with PayPal. We cant provide additional details or updates on this claim because we dont have access to your financial institutions investigation details. 

PayPal has refused to investigate and thereby, refund my {$4500.00}. 

I request that PayPal refund my {$4500.00} because I did not authorize payment to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently reviewed my credit report and discovered unauthorized inquiries listed on my account. Upon careful examination, I have confirmed that these inquiries were not made or authorized by me. 

I have taken immediate action by filing an Identity Theft Report with the relevant authorities. Enclosed with this letter, you will find a copy of the Identity Theft Report, which provides detailed information about the unauthorized activities related to my identity. 

I request your immediate assistance in investigating these unauthorized inquiries and removing them from my credit report.
Product: Credit card or prepaid card

I contacted discover card customer service and they were completely rude. I called them because there were some charges to my card that I didn't make but they are still making me pay them.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX at XXXX XXXX in XXXX California on XX/XX/XXXX. The purchase price was approximately {$21000.00}. At the end of my contract. The vehicle came to {$36000.00}. I do feel extra charges were added to my vehicle. I kept calling XXXX XXXX asking for my contract for the vehicle. After two months calling. They finally sent me my contract. That's when I found out the vehicle came to $ XXXXI was blind-sided. I have tried to call Ally Financial several times over the years. Many times I couldn't get in contact at all with Ally Financial. When I did talk to someone at Ally Financial. They never gave me a straight answer. I do feel they really overcharged me for the vehicle. Plus I believe XXXX XXXX new about the anti-theft alarm wasn't working right. Before they sold me the vehicle.
Product: Credit card or prepaid card

Spoke to capital one about a call to me stating fraudulent action on my card. Someone at capital one allowed a caller to change my email address and other information on the phone to get a card sent to them. I got notice called to make sure my info was correct. I was told a new card would be sent to me. I received my card tried to activate my card. They would not do it over the phone. I was asked to fax my drivers license, a utility bill with my address another credit card bill and a copy of my social security card. I sent everything except my social security card thru a secure email. I explained at least a dozen times to several different people including supervisors, I had identity fraud and would not send my SS # ( card ) to them for this reason. I have had bank accounts tried to be open using my SS number. I tried to activate my card through a local capital one bank with a manager and they would not except her verification while I was sitting in from of her with documentation. Meanwhile I can not access my account on line at all. I got an email with additional charges that I can not verify cause they would not open my account with out a copy of my SS card. The breech was caused by them yet I have to be inconvenienced and made to jump through hoops to prove my identity. I need this rectified by activating my card or cancelling it.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The original debtor was XXXX XXXX XXXX XXXX. The bill was for cleaning costs and " damage '' to the appartment I rented, some of which I disputed with original debtor because some damage was caused by maintenance issues. These maintenance issues were pointed out during annual inspection, yet they were not addressed. They would not adjust my bill, so I refused to pay. They sent my bill to collections. There was no agreement with original debtor that I would have to pay interest or fees on move out costs, yet the collection agency has illegally added both, and is reporting such on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, This is a formal request for an investigation of this account 's comments, account type, and account name. There is a possibility that this information may be inaccurate. This must be removed immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), ( Original Creditor : XXXX ) I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately. 

XXXX XX/XX/2021, XXXX XX/XX/2021 I dont remember permitting you to pull a credit report. Delete this immediately. 
XXXX XXXX XXXX XX/XX/2021, XXXX This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.
Product: Checking or savings account

On XX/XX/2024 I linked my Marcus by Goldman Sachs High Yield Savings Account to my XXXX XXXX  account to transfer my XXXX XXXX and purchase a security of XXXX XXXX and transfer the remaining XXXX XXXX into the XXXX XXXX XXXX XXXX. 

The XXXX account is in my name. 

When the transaction was executed by XXXX on XX/XX/2024, the transfer was blocked by Marcus by Goldman Sachs. Marcus by Goldman Sachs did not try to reach me by phone or email. I got no notifications from Marcus by Goldman Sachs. 

XXXX called me and said the transaction was not successful and a {$40.00} fee would be charged as I did not have the funds available.

I called Marcus by Goldman Sachs on 05/15/2024. They told me the transaction was flagged by their system and my account was frozen. I provided all my information ( SSN, DOB, and secret passcode ). Marcus by Goldman Sachs then asked me for a one-time passcode to be sent to my personal phone number linked to my account. My phone number has not changed in 8 years.

They then told me they could NOT send the one-time passcode to my number because I recently changed carrier ( 1 month ago ).

They then asked me to provide a Driver 's License which I provided and they told me the Driver 's License from the state of Massachusetts is not valid for the verification.

At this point, they told me they could not verify me and the case would be transferred to the Fraud Department. They could not transfer me directly to it and told me someone would call me back. 

I then waited but no one called me. I then called Marcus by Goldman Sachs again on XX/XX/2024. They tried to verify me again with the methods above but were unsuccessful. They were unable to provide any information or transfer me to the Fraud Department. They were unable to provide me with any status or resolution estimates. 

I called again on XX/XX/2024. They tried to verify me again with the methods above but were unsuccessful. They were unable to provide any information or transfer me to the Fraud Department. They were unable to provide me with any status or resolution estimates.

At this time I do not have access to my account and I can not transfer the funds back to my brokerage or my checking. I was not provided with an estimate again and I am not clear when this will be resolved and I will get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for absolutely no credit this year. I have had no need. XXXX  and XXXX have honored my request to remove fraudulent inquiries on my credit. Equifax has not. There is not a single credit application I have signed this year for credit and because my identity, the result of the Equifax security breach that affected millions has been compromised, Im suffering as well and Equifax is failing to do what the others two bureaus have done which is remove all fraudulent inquiries this year on my personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Equifax, XXXX, XXXX a dispute letter about XXXX Account # XXXX violation of 15 USC 1681b ( 2 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I DID NOT GIVE ANY CREDIT BUREAU WRITTEN PERMISSION TO REPORT SAID ACCOUNT ON MY CONSUMER CREDIT FILE
Product: Credit card or prepaid card

I opened a ChaseXXXX XXXX XXXX account in 2021. This account gives cardholders stars based on purchases. The stars can be redeemed for free coffee at XXXX. 

In XXXX, 2021, I did my XXXX shopping and should have received XXXX stars ( its printed on my credit card statement ). The XXXX stars have not been credited to my account. 

I have contacted XXXX and they tell me to talk to Chase. When I contact Chase they tell me to talk to XXXX. I have had several text conversations with both companies. 

The XXXX points are not a large amount of money, and expensive coffee is a luxury. Im just frustrated at being ignored. I didnt do anything wrong- they made a mistake and wont take responsibility for fixing it.
Product: Money transfer, virtual currency, or money service

Crypto.com does not allow people to withdraw funds. Added bank account numerous times over months and nothing worked. Opened up a new account in just my name still nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal data was part of the Equifax breach, which means I can now look forward to a strongly increased chance of identity theft in my future. Equifax failed to adhere to basic common sense cybersecurity protocol when it came to storing and protecting my data. It also fumbled the response and the damage-control process, reducing opportunities for people to respond effectively to preserve the privacy of their personal information. Equifax behaved carelessly and sloppily, to the point of near-malignancy, when handling what should have been its most sacrosanct and fundamental priority : keeping people 's data safe and out of the wrong hands.
Product: Checking or savings account

I have been having problems with chase bank for some time now .During the entire process I have called and spoke to many different bank managers trying to resolve the issue and then the.bank closed my account which caused me not to be able to log in and see anything online.I specifically called today again and spoke to an agent of the bank XXXX at approximately XXXX XXXX  .I simply asked if I could finally come in the chase branch I use to pay off the balance on my account.I was placed on a brief hold and then she responded with yes .I said this will prevent anything going to collections and again I was told yes just go to the branch and make payment. I left work early and went to have funds transferred from my fathers savings account to pay off my balance.Now the bank that knows me well went to transfer the funds and I was not able to do so .This is really ridiculous besides the fact that this issue was not caused by me .I made every attempt to make it right as soon as I had the opportunity.I was lied to on the phone because apparently they have already sent it to collections..I have had enough of being bullied by this bank as the email response to my last complaint had just been answered last night.This is completely unnecessary and Ive been through enough of loses .This is deliberate, unprofessional and unacceptable as I am willing to pay after losing everything and then some that this bank never flagged.To now block me from paying it at once which was the only option they gave me .This will now ruin my credit which has been excellent my entire life .Im willing and got someone to loan me the money now they pull this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have entered into a debt settlement with DMB Financial. My enrollment was XX/XX/XXXX I did not have any problems with them until I made a decision to close two accounts in XX/XX/XXXX. I made contact with XXXX XXXX and explained that if we did not close The XXXX XXXX account they were going to charge penalty interest of XXXX dollars. Additionally, I explained to her that I wanted to close my XXXX credit card account last four ( XXXX ). I asked her to tell me how much it cost to close these two accounts.She told me after talking to debt settlement consultant that I would have to pay XXXX cents. These express directives given by me to Ms. XXXX. XX/XX/XXXX I found out that neither account was closed. However, I was charged three debt settlement fees in excess of three thousand dollars. I hav documents supporting documents. I have called the new DMB agent XXXX XXXX on these areas.They have not returned my calls.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

I was called by my father today and informed that the collection agency has now contacted my little brother XXXX who is in the XXXX XXXX trying to get a clearance. They were told to stop calling members of my family as it violates state and federal laws. This marks a year long issue with this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX with Social Security Number XXXX XXXX a resident of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my account and inquiries, i never applied for this. I believe, that somebody used my personal information and applied for it.