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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 Credit inquiries I don't recognize in my Credit Report : XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have case number with CFPB already ( XXXX ) and I still waiting for a resolution. My complaint is with Nationstar Mortgage in XXXX, Tx. They are now giving me less than 30 days to pay a payment of {$770.00}, which is for the remaining escrow payment they never informed me about until they sent me certified letters threatening foreclosure on my home back in XXXX 2015. I paid back half of what I owed from that time which was {$1100.00} but they refuse to work with me and continue to tell me wrong information. Such as. I setup a repayment plan in XXXX to pay back money they did not disclose to me. In XXXX. I asked for a month extension only to be told I was never approved to do a repayment plan. I am a senior citizen and have lived in this home for 39 years. I am on a fixed budget and can not come up with fund at a drop of a hat. Nationstar continues to take no ownership in this problem. I assume that if I do not pay the {$770.00} by XXXX XXXX they will again start foreclosure on my home. I need help to save my home. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After disputing account XXXX XXXX XXXXXXXX XXXX XXXX multiple times I filled complaints with CFPB for the account with XXXX, XXXX and Experian. Complaints and complaint results are attached. All three claim to have verified and updated the account, however, the account still has inconsistent information with all three bureaus which include, the high credit, credit limit, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Product: Checking or savings account

In XX/XX/year> I made XXXX withdrawals from the atm. The last transaction did not dispense the cash. I took a photo of the error message and reached out to the tech that services this atm. Called my bank and filed a claim. My claim was denied because my bank stated that the owner of the atm has proof that I received the cash. This is not true. Immediately after my transaction the atm went out of service.
Product: Credit card or prepaid card

This is the second time I've had to file a CFPB complaint against AMEX. 

It appears they are not going to payout the 130,000 bonus points and free night associated with the sign up on my account. 

They currently have 3 XXXX AMEX cards out there right now. I have attached a picture from their XXXX advertising. They basically advertise them as a bundle. 

I have also attached a letter sent to me from AMEX stating their customer service was incorrect to tell me I wasn't eligible for the bonus points on the first XXXX card. Those points were awarded. However, now it appears they are holding up the bonus points on the XXXX card. I have attached the statement showing I was awarded the points based on the minimum spend. I have also attached screenshots from customer service. They basically tell me I'll get the points, but I just have to be patient. Then a few weeks later, they tell me to wait a few more days. Basically, they want me to keep spending on the card, but offer no real timeframe, aside from " just keep waiting and we'll let you know ''. This whole process is very deceiving. AMEX has written language into their CC applications that give them the option to not pay out bonus points for ANY REASON. It is extremely vague and very consumer unfriendly. These cards are marketed all over the internet. All over the XXXX app. It's a very aggressive campaign. Then they just decide not to pay out points. 

AMEX has a system in place to stop your credit card application from going through if you have defaulted on them in the past. They don't even run your credit. It's an automatic denial. I bring this up because they have the ability to do this for bonus points too. I know in some cases, I've seen reporting where a pop up comes up during the application process telling the applicant, they can apply for the card, but will not be eligible for the bonus. This should be universal. If AMEX does not have that pop up come up, and they run the applicant 's credit and that applicant satisfies the minimum spend, the offer should be paid out. 

I have applied for all 3 XXXX cards. The pop up didn't come up on any during the application process. 
I have been misled by customer service via the chat, or at worse, lied to. 

This year, I have spent over {$32000.00} on AMEX charges. How much more do they want me to spend with them?! By the end of the year, it will be close to {$40000.00}. 

They will have gotten merchant fees off {$40000.00} in charges, but not satisfied their end of the deal. How fair is that?! 

If AMEX doesn't want to award points, they need to be upfront about it and give the applicant that info BEFORE credit is run and the card is issued. Vague fine print is not something a multi billion dollar corporation should be able to hide behind.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX  XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

On XX/XX/XXXX i scheduled a regular payment for XX/XX/XXXX in amount of {$160.00} and scheduled a principal only payment for XX/XX/XXXX in amount of {$55.00}. ( I have email confirmations for both. on XX/XX/XXXX the XX/XX/XXXX payment shows pending and the XX/XX/XXXX payment shows as applied. 
Additionally, a late charge of {$25.00} was assessed on XX/XX/XXXX. On XX/XX/XXXX the XX/XX/XXXX payment is no longer reflected on the account, but the XX/XX/XXXX payment and late charge remain. On XX/XX/XXXX the XX/XX/XXXX payment is now reflected as a payment made on XX/XX/XXXX with a portion of the payment now applied to the XX/XX/XXXX late charge. I have issues with : A ) Fraudulent attempt to have me make a second payment because my payment is no longer reflected on the account. B ) Fraud in accessing a late charge when clearly a payment is shown as pending. C ) Fraud in apply part of a payment to a late charge that was fraudulently assessed. D ) Fraud in apply a payment 5 days after the payment was actually made. E ) Fraud in record keeping. Statement shows payment made on XX/XX/XXXX ( which is correct, BUT ) a portion of ontime payment is still applied to late payment that was not late And they insulted me by suggesting that I didn't have the money in my account. It was there and they took it!
Product: Credit reporting or other personal consumer reports

I started disouting by credit agencies as the creditor said to dispute it with them then I found out I was suooised to disputed with them never got anywhere five months gone and for nothing
Product: Mortgage

Formal complaint # 3 XXXX XXXX - XXXX XXXX XXXX XXXX XXXX FL Account # XXXX XXXX - Cell : XXXX Payment being withheld into an unapplied funds! 
I am XXXX XXXX with the Mortgage Account # XXXX! This letter is a formal complaint against Wells Fargo Mortgage Co. for funds misappropriation by withholding payment into an unapplied funds- account for two weeks in order to gain and maximize the interests collected on the mortgage loan. 
Wells Fargo has designed its mortgage payment system into different LOGICS in order to collect illegally more interests and extend the life of the mortgage. Funds received are applied consistently at an inconsistent pattern in order to defraud me and others. I set auto pay with Wells Fargo to withdraw more than two full payments, one on the XXXX and the other on the XXXX of every month. The payment on the XXXX  is to be collected and applied on the XXXX  for the current month principal and interest payment. The second payment on the XXXX  of the month is to be collected and applied for principal only of the current month. 
Wells Fargo seems to be using both human and an electronic management system to withhold payments to the principal into an UNAPPLIED FUNDS. Starting in XX/XX/2020, suddenly, Wells Fargo temporarily withheld my payment in an Unapplied Funds. Then, on XX/XX/XXXX, Wells Fargo applied such funds to XXXX and XXXX regular payments of principal and interests, please see payment history attachment. Again, on XX/XX/2020 Wells Fargo collected, but redirected the XXXX payment into an Unapplied Funds. I called WF about the continuous misappropriation of my monthly payments. 
Wells Fargo computerize logics are designed to move and apply funds to facilitate a variety of illegal schemes just to collect more compound interests. Moreover, such illegal schemes extend the life of the mortgage. Hence, Wells Fargo has been defrauding me in many willful deceitful schemes. 
This is not just a computerized scheme, Wells Fargo illegally withheld the regular monthly payment for a few days, then they applied the fund to two separate future monthly payments of principal and interest for XX/XX/2020 and XX/XX/2020. I do not know what they had planned for the XX/XX/2020 regular payment withheld in the Unapplied Funds. 
Sincerely, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX FL Account # XXXX XXXX - Cell : XXXX
Product: Credit card or prepaid card

I was contacted by one of my creditors in XX/XX/2022 that there was an attempt to open a card account in my name. They informed to to get copies of my bureaus and Lock them down. I have done so. All my XXXX bureaus have a " freeze '' in place and now protected with a pin code. In reviewing the bureaus I noticed an account from Upgrade Inc. I immediately disputed this as fraud with the XXXX bureaus. The creditor reported back in XXXX that this was " valid ''. I then reached out to Upgrade via mail with all my information and requested they do an investigation that this was not my account. I asked what they needed from me to complete this. First it was the affidavit, and police report. That was sent via express mail. Then after they received that they asked for the FTC report to show a checking account at XXXX  XXXX XXXX ending in XXXX was listed and for me to send the bank statements. I contacted XXXX  XXXX XXXX immediately. They initiated an investigation and my local banker looked in my profile to see if that account ever appeared in my history of ownership. It does not. So, I can not provide to them bank statements. I did provide the letter from B of A showing this is not my account, never was. They then sent me a letter stating that the account with a XXXX limit had deposited XXXX into that above mentioned account. How is that possible? XXXX on a XXXX limit card? Makes NO sense. They gave me 5 days to provide the info on that. I feel like I am being victimized over again by these people. They have the Police report, FTC report, my drivers license, the letter from XXXX  XXXX XXXX. What more can they need? I asked for this account to be blocked temporarily until this is resolved. It has taken 30+ points off my XXXX score as a result of it reporting over the limit and open. They have not done that either. They continue to report to all 3 bureaus that this is my account. I am attaching all the documentation for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have XXXX late payment on an account that I was never late for. XXXXonsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XX/XX/XXXXbreach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XX/XX/XXXX breach as well.
Product: Credit reporting or other personal consumer reports

There are hard inquiries and new accounts in my credit report that I do not recognize. I tried reaching out to the companies involved but have not been able to connect with them. Kindly find details in the attached file. The names of the companies involved are : 1. Credit Acceptance 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 or prepaid card

Hello, I was given a 'serious delinquency ' by AmEx over the summer even though I was making monthly payments. 
They told me there would be " no penalties '' for late payments because I am in the military. 
I XXXX in XXXX ( the same month they cancelled the card ) and AmEx filed the serious delinquency despite my being XXXX and making payments in XXXX, XXXX, XXXX, XXXX, etc. 

I filed a complaint with XXXX  and they didn't do anything, would you please be able to assist getting this removed from my credit report? 

Thanks!
Product: Vehicle loan or lease

On XX/XX/XXXX at the XXXX XXXX XXXX XXXX dealership I signed a retail installment contract with credit acceptance for a XXXX XXXX XXXX. I have recently learned that the contract is faulty due to the additional charges with loan. In the beginning credit acceptance as a lending company is not accommodating to their customers. Before payments were due I asked for a different pay date due to my pay period but was denied. Over the course of the loan credit acceptance has reported incorrect dates and payment amounts to my credit report. In addition to massive hidden fees I have accumulated on my account the numbers are not correct for how much is owned on the car loan. The numbers are different on all three credit reports. Once it took me months to dispute charges and receive a resolution for hidden fees. Credit acceptance do not issue bill statements to customers its only by request, on the website the customer has limited access to their account. The customer can only view current and past due amounts. Credit acceptance as a lender is not professional by conducting business as such. On XX/XX/XXXX th vehicle was repossessed, I recently learned the vehicle was damaged under the care of the third party repossession company the vehicle is now deemed inoperable and being sold at auction. I have invested in over {$21000.00} in a vehicle that was worth {$13000.00} at the time. Furthermore the vehicle is now inoperable due to someone else negligence. I have contacted credit acceptance regarding the damages i discovered on the auction website to the vehicle on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO ( Transunion ) credit report which I do not recognize as reported and which are the result of identity theft and fraud. An account was opened at ( XXXX XXXX XXXX XXXX on XX/XX/year> under the ( XXXX account number ). These accounts have resulted in several fraudulent late payments appearing on my consumer FICO Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my report. To this day over 60 days later. I have not received a response yet. 
I have written several letters concerning the negative accounts on my report. I never owned any of the accounts listed below. I filed a complaint on XX/XX/2021 with CFBP, still nothing was done to fox the issue. I also filed an Identity Theft report on XX/XX/2021. My report number is XXXX. I sent in all documents along with my police report several times. I sent in proof of my Identity, notarized all my mail. Please delete the account immediately. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This i my second attempt for these CRA 's to do as they are required to by federal lawand for the protections and privacy act of 1974. As a consumer, I am protected and I also have a right to opt out of reporting, i was never given proper disclosure and they never had my consent to furnish any of my information and that is a violation. Each reporting is a charge of XXXX and theres several and there's been XXXX 's. I also am promised that my consumer reports will be accurate at all times. I just need to notify you all. I have done that and nothing. I am not being treated faily and these persons act like thgey have the authority and the right to act on my behalf ... NOPE. I never consented to any inaccurate and negative and stressful reporting experience. 

If there is a collection, charge off, or written off and still on the reports by these agencies, they are violating the law and they are to pay me XXXX for each error. 
They are also a certificate of indebtedness and they are to have filed a XXXX, which they can not prove they did and they still report these damaginbg and harmful marks on the reports that i have a right to credit and what goes and not goes on my files. I have several late payments that are also inaccurate and are not correct. I have never been late or missed any payment. I need all these mqrks to be updated and to remain on the report for the history that i need for all the accounts that it applies. I did not consent to any of these agencies reporting inacccurate and furnishing false an unauthorized transactions. I need all accounts to show PAD in FULL/ PAID AS AGREED/ CURRENT Omit all the Bqlance due and balance owed and credit limit. i should have unlimited. Stop damaging me. I did not consent to anything that causes me pain and stress and damages me and my character. I am the consumer and written consent authorizing each and every single reporting on my files and consumer reports. 
i need these Consumer reporting agencies to update and correct these accounts without delay. I also demand that they send me proof of all the proof and concrete evidencec in the mail to me for evidence. They will not be able to because they violated me and damaged me. They must correct and update my reports and send me a copy with all the changes that they corrected because it is their fault and they need to pay for the abuse.