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

I paid {$19000.00} for the XXXX XXXX XXXX to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX using my American Express card through XXXX XXXX XX/XX/XXXX attaching the Contract that was executed on XX/XX/XXXX outlining the terms of the agreement. This indicated to me that I received a Contract for Services, including the 9-day cancellation clause. The vendor ( XXXX ) was very slow to respond immediately, which raised a few red flags for me. I submitted my cancellation and refund requests MULTIPLE times and the vendor has ignored them. I filed a dispute with American Express to no avail. 

I thought the cancellation clause offered plenty of protection in case they didnt deliver on the account setup promise, in addition to me paying with my American Express card. I thought I will have purchase protection. Unfortunately, this is not proving to be the case. The payment processor, XXXX, has indicated that the payor waives the right to any disputes, and they will not honor the terms of the contract with XXXX XXXX, even upon submission of all of the documentation that supports the company 's scam and fraudulent activities. I found numerous complaints filed with the XXXX from disgruntled clients who have fallen victim, all of which are unanswered and unresolved. In addition, I found a few others who fell victim. I was able to locate one of them who confirmed he in fact was scammed as well and that there were several others American Express has failed to uphold consumer protection as well, even after submitting all of the communication, proof of cancellation, and the contract due to XXXXXXXX XXXX position. 

I have complaints filed with the FTC and the FL Dept of Agriculture and Consumer Services and plan to contact the FL District Attorney.
Product: Vehicle loan or lease

I purchased a vehicle on XX/XX/XXXX from US Autosales. Because of my credit score I had to go to this dealership that clearly does predatory lending to poor people. I was approved for a vehicle totaling {$19000.00} for what I thought was a XXXX XXXX XXXX but its probably a XXXX. After putting a deposit of {$2100.00} my total to finance is {$17000.00} with a 23.30 %. Instead of my interest rate being a little over {$4000.00} which is what my calculator say Im being charged {$14000.00} in interest on a $ XXXX car. In total my car is {$34000.00} because of this illegally charged finance charge. I was also forced to purchase a service plan adding another {$1900.00} on my contract for a plan that does cover the car for my entire loan. I have called and spoke to multiple people about fixing my paperwork so that my payments can reflect correctly. This company also tell you that they have a tracking device on your car what they dont tell you is that this device shut your engine off so that you cant start your car it doesnt matter when you are which wasnt explained to me when I purchased or signed for this vehicle. I would like to start a class action lawsuit against this company. I should have read the reviews before purchasing because theyre bad. Please help
Product: Credit card or prepaid card

Company stated that it reviewed the telephone conversation with its manager, XXXX. I too have reviewed the conversation and have evidence of the company lying in an official response regarding the notification of account holders between 16 and 18 months of inactivity. In the conversation, XXXX specifically states that letters/notification were sent to account holders in this window warning them about account closure. 

A change of the Credit agreement and terms of this significance ( 31 months before closure, reduced to 16 months ) constitutes a significant change in the agreement and terms, which is required to be sent out via XXXX mail to affected consumers. Although the company may choose to close accounts at its discretion, the lack of notification, and discrimination to arbitrarily select consumers within a 2 month window to notify is a violation of the CARD act.
Product: Debt collection

Experian National Consumer Assistance Center at XXXX XXXX XXXX, XXXX, TX XXXX NOTICE OF VIOLATIONS Under 15 U.S. code 1681b- 15 USC 6802 ( b ) and ( c ).

I was never provided any notification on paper as to whether or not I wanted the transaction reported. The company had an obligation to fulfill and failed to do so. 

INQUIRIES XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX All of these accounts are third party debt collector they do not have a enforceable contract XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 18 U.S. Code 8 - Obligation or other security of the UNITED STATES The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes , gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps . 

THE DOCUMENTS IN QUESTION ARE SUBJECT TO THE PRIVACY ACT OF 1974 Contents shall not be disclosed, discussed, or shared with individuals unless they have a direct need-to-know in the performance of their official duties. Deliver this/these document ( XXXX ) directly to the intended recipient. THEY WERE NOT TO BE drop off with a third-party. To be used on all documents containing personal information The document ( s ) contained my personal or privileged information and should have been treated as For Official Use Only. Unauthorized disclosure of this information may result in CIVIL and CRIMINAL penalties.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX  Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00}
Product: Debt collection

ERC was not the owner of this debt. I paid this debt in full with XXXX the owner of this account on XX/XX/XXXX. Confirmation number # XXXX. I was told by the resolution supervisor XXXX that the account was owned by XXXX and by paying the account in full the collection from ERC would be removed from my credit report as ERC is a 3rd party collection agency and NOT the owner of the account.
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 proce 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 48 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Hello, I am really so frustrated how Equifax is trying to destroy my credit. Here 's what they responded on XX/XX/XXXX and they never removed from my credit and their respond was they're stated we removed and you're any longer see that Collection wasn't mine. Please Here 's the actual email they responded to me and i would sincerely request to step in and involve these people are breaking the laws. 





Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items and the results are below : The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX The results of the investigation have been mailed to you. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at www.myEquifax.com. Here you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and the Core Credit product. You may also contact us at XXXX to speak to a Customer Service Representative.
Product: Credit reporting

I have contacted and sent Fraud Affidavits to Transunion with regards to the Inquiries that are reporting on my credit file and incorrect address information. To date, Transunion have not remove these items from my credit file. I have been a victim of identity theft and I will like these items removed : Inquiries, Incorrect Addresses : XXXX XXXX, XXXX, GA and XXXX XXXX, XXXX, GA. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any results.
Product: Credit reporting or other personal consumer reports

I am filing this formal dispute regarding inaccuracies in my credit report related to my personal information. Specifically, I have identified incorrect variations of my name and outdated, incorrect addresses that do not accurately reflect my legal identity. My full legal name is XXXX XXXX XXXX, and my correct current address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. However, my credit report reflects inaccurate addresses and names that should not be associated with me. In particular, I am disputing the following incorrect addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX These entries are inaccurate and should be removed immediately to ensure my credit report reflects only correct and verifiable personal information. I am requesting that the CFPB ensure that the credit reporting agencies properly investigate and correct these errors as required under the FCRA, 15 U.S.C. 1681i ( a ).
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. No therefore, any such debt in fact, therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX balance {$3100.00}, XXXX XXXX XXXX balance {$1900.00}, XXXX XXXX balance {$1100.00}, XXXX XXXX balance {$1000.00}, XXXX XXXX XXXXXXXX balance {$1900.00}, XXXX XXXX XXXX balance {$840.00}XXXX XXXX XXXX XXXXXXXX balance {$1200.00}, XXXX XXXX XXXXXXXX balance {$1200.00}, XXXX XXXX XXXX balance {$1200.00}.
Product: Mortgage

On Thursday, XX/XX/2024 I received a call from XXXX XXXX concerning non-payment of my home insurance premium. XXXX XXXX with XXXX informed me that they had no received payment and my policy would be cancelled for non-payment. XXXX states that they issued a policy renewal invoice to Guild Mortgage, but never received payment. I immediately contact Guild Mortgage and spoke with " XXXX '' whom stated that Guild Mortgage never received a renewal from XXXX. Guild also stated that they sent me a letter, which I did not receive. I once again contacted XXXX and informed them that Guild never received the renewal. XXXX then informed me that they have had several other issues with Guild Mortgage not paying premiums for other clients when due. XXXX resubmitted the renewal to Guild Mortgage on XX/XX/2024. The following day, XX/XX/2024, i contacted Guild Mortgage and asked did they received the renewal from XXXX. Guild could never confirm or deny they received the renewal from XXXX. I told Guild that this was unacceptable, and that they have a duty to make sure my insurance premiums and property taxes are paid on time. I find it very concerning that they did not reach out to me by phone to let me know they supposedly did not receive the renewal from XXXX. As of XX/XX/2024, Guild has stopped collecting monies for my insurance premium. Guild Mortgage has failed to do their job. As of today, XX/XX/2024, XXXX has not received payment for my insurance premium. XXXX has gone above and beyond to rectify the situation so that my home does not go uninsured. I would like Guild Mortgage to pay my insurance premium immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I was a victim of identity theft. I have already sent letters from the FTC, I have called them and I have explained that accounts were not opened with my authorization. Unfortunately, in my physical condition, I can not report to a police station because I have XXXX  of XXXX and I am in bed without being able to walk. For this reason, under the FCRA laws that protect me as a consumer i request XXXX and Equifax to remove all fraudulent account from my credit report attached below thanks, XXXX XXXX
Product: Debt collection

I received a phonecall on XXXX from a collection Agency alleged that I oye a bank money from a card that I didn't know even existen. When I call them they give me XXXX different scenarios from Barclay bank. 
XXXX. That I was the only person in the account XXXX. That I was the principal and that my ex partner was authorised XXXX. That he was then principal and tas he went in bankrupcy I had to pay. 

I contacted several times the bank to find out what really happened and all they give me are XXXX different scenarios. 
Also told me once I wasn't RESPONSIBLE for this at all and that this was a fraud made by someone else. 

I didn't know about this card and didn't nade any charges. 

The cards statements and all where sended to a PO ox not related to me but to my ex partner and his wife. 
My ex partner we where separated 12 years ago I never asked or authorise no one to use or received ever a credit card from this bank Barclay 's sended cards and statements when this account was already canceled by me.. also send cards and renovations .... someone call them and even changed the adressnon file as the adress they give me wasn't mine The account I don't even have a number for ... all I know is my info is there associated. 

I receive the first letter from the. On XX/XX/XXXX stating that I will need to pay .. and that I'm responsible for something I didn't authorise. 

How they investigate in a day as I oppened the fraud claim the same day the letter is endorsed... they should've investigated the adress and also the bank account who was making all the payment for all those years .. that credit card was used by the person who used it as if it was his hers .... 

The charges where not mine also Someone ese who I didn't authorise use this and also payed the credit card .. not me The unauthorized person is XXXX XXXX XXXX XXXX my ex partner and his phone number is XXXX XXXX XXXX he was using without my consent this cc and also I wasn't aware even of the existence of this credit card. 

I file a fraude claim and they told me that they conclude that I was RESPONSIBLE and the charges where made by me or someone who had the AUTHORITY to made the charges. This is not true. 

I have never had a credit card with this bank ever .. also the adress on file that they where giving the supposed credit card wasn't mine I found this was my ex partner adress.. 

How did this person or bank has and credit card using for over 12 years without consent .... 

They send me this first ever letter on XX/XX/XXXX ... to the adress I have been living for the past 12 years with my actual husband. This is the first time this bank ever write to me or contact me. 

Please help me as this situation is horrible and I'm not going to pay for something I have not use that is not mine and the bank is the only one RESPONSIBLE for all this. If you see all my accounts are and has always be in good standing ... payed on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX Bank Barclay 's Phone pf investigation dept XXXX XXXX XXXX Credit supposed to be since XXXX until now and the amount is XXXX, XXXX dollars
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX I am filing CFPB complaint against Experian for fraudulent accounts that have appeared on my credit report, and I have been stressing to Experian that these accounts are a result of Identity Theft stemming from XXXX XXXX Breach XXXX The erroneous, fraudulent accounts are : Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$7000.00} : Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account Number : XXXX : Balance : {$1000.00} : Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX : Balance : {$320.00} : Opened : XX/XX/XXXX Account Name : Dept of Education/XXXX Account XXXX XXXX XXXX : Balance : {$2400.00} : Opened : XX/XX/XXXX The listed accounts are not mine, never been authorized by me, and are frivolous, I am being harassed, and I demand the fraudulent items listed to be removed, or I will hire an attorney and proceed with legal ramifications. Despite this, Experian continues to badger, bully, and psychologically harass me. I need verifiable proof of these credit transactions were not initiated by me, as well as proof of identity to confirm who applied for these frivolous debts. I know my consumer rights under Federal laws. I have attached a copy of proof from FTC Identity Theft Complaint. Again, I request, pursuant to FCRA 605B ( 15 USC 1681c-2 ) that Experian block and remove within 4 days per statutes and request that all written confirmation relating to this CFPB matter be sent to me via email. I will seek legal actions, for violating my consumer rights.
Product: Money transfer, virtual currency, or money service

Good Evening, On Tuesday, XX/XX/XXXX a series of transactions were requested from XXXX via PayPal While these transactions were getting a cancelled status, they were also being posted. I instantly reached out to PayPal, as well as XXXX, to inform them of this situation. PayPal only has a customer service option via text messages ; it took almost an hour for someone to reply. She recognized a possible scam, but advised that I should reach out to my bank, as theres nothing she can do about it. 

While PayPal confirmed that the payments were processed to XXXX, he continues to argue that no money was received by him. 

With PayPal refusing to take any action on my behalf, I have yet to see these payments returned, as both XXXX and myself agree that this is the right course of action. The second page to last in the attached supporting documents show 's XXXX 's intent to return the funds ( his messages in blue, mine in yellow ). 

I am reaching out to you because nobody is enforcing this return of funds. XXXX can continue to argue that he didnt receive anything, all while PayPal confirms that he did.
Product: Credit card or prepaid card

OnXX/XX/XXXX, and on XX/XX/XXXX I applied for capital one credit cards. I was XXXX years old at the time and was un-educated about credit cards. So I applied for them and got instantly denied. From being un-educated at the time, I did not realize that you can get hard inquires on your credit report from simply applying and getting denied for credit cards. Since then I have educated my self on applying for and properly using credit cards.
Product: Credit card

I have an email from Old Navy once I signed up for the credit card on XX/XX/XXXX saying that I will earn XXXX points on all purchases until XX/XX/. However, I'm only earning XXXX points outside of the Old Navy brands. I called up their customer support team but they are forwarding me to someone else repeatedly. I called up the XXXX helpline and at first customer care said I need to speak to Navyist rewards. I called again and got connected with the Barclays folks via the same number (!! ) and they said I need to call up Old Navy at the same number (?! ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 card

In the past I have asked capital one to low my interest rate because of my history of on time payments and they said no. 

I called Capital One around XX/XX/year> to inform the that I was going to though a hardships. I explained that all of our bills have gone up and I have a XXXX husband that only received {$200.00} a month. The guy asked me questions and told me the only thing he could do for me was not charge me a late fee for XXXX months. I expressed that was not going to help me. 

On XX/XX/year>, I called Capital One again and was going through a hardship. I explained I've been in and out of the hospital and I have a XXXX husband that only received {$200.00} from XXXX. The guy said there was nothing to do for you. I asked to speak to his XXXX. The XXXX said I could do XXXX payments of {$200.00}. I can't afford my new monthly amount of {$180.00} and the only solution you have is to raise it for XXXX months. The XXXX say that is all she can do.