23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Around XX/XX/year> I filed a police report with my local police department for Fraud that has effected my American Express XXXX XXXX Credit card. I notified American express, and partial of the fraudulent purchases that was made was refunded as a credit on my account, however, the remaining fraudulent transactions were not credited or reversed back. Ive been dealing with this matter for the past XXXX  months still unresolved. I contacted American Express multiple times in attempt to resolve this matter, and they refuse to address it when the fraudulent charges were reported within a 30 day time frame. I would like to resolve this matter, and be able to use my American Express account being that im not responsible for the fraudulent deposit made to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHARGE OFF REMOVAL XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern : As you know it is against the law to report any inaccurate information. 
The IRS defines a charge off as : gross or ordinary income- so how is this reporting as debt on my consumer report. There are 2 inaccuracies on my consumer report ; XXXX XXXX  and XXXX XXXX that you are reporting unlawfully. 

You are in violation of 15 USC 1681- accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Furthermore, you are in violation of 15 USC 1681b - Permissible purposes of consumer reports which states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I have NEVER given you written instructions to report this on my consumer report. 

You are in violation of 15 USC 6801 : Obligations with respect to disclosures of personal information. You were supposed to PROTECT my information, instead you unlawfully reported inaccuracies. 

You are in violation 15 USC 6802 - There were three ( 3 ) disclosures that you were legally supposed to provide me with that you did not. I was not provided with any of these disclosures. 
1. You were supposed to inform me if you were going to report anything on my consumer report, which you did not. 
2. You were supposed to provide me with a way to opt out, which you did not 3. You were supposed to inform me how to exercise my right to opt out and what steps to take to not report on my behalf, which you did not. 

There are multiple federal violations here. 
I demand this charge off to be permanently deleted from my consumer report, immediately
Product: Debt collection

On XXXX of XXXX, Dynamic Recovery Solutions reported a debt to my credit report for {$350.00} from XXXX  Hospital. I was never a patient aXXXX XXXX Hospital, nor have I ever stepped foot into XXXX Hospital, so I disputed the debt through XXXX as not my debt. XXXX came back and stated the debt collector stated it was mine through a bill, so they were not going to remove the debt. On XXXX I mailed a debt validation letter through certified mail ( XXXX tracking # XXXX ) to Dynamic Recovery Solutions and they received the certified letter on XXXX. After XXXX days of no response from Dynamic Recovery Solutions, I mailed a second debt validation letter through certified mail on XXXX ( XXXX tracking # XXXX ) and they received it on XXXX. Still with receiving no response from Dynamic Recovery Solutions, I contacted them via phone on XXXX. After speaking with a representative of their company, they advised me they did not have the documents to validate the debt and that they were waiting on the documents from XXXX Hospital. I asked them to remove the debt from my credit report because they did not validate the debt within XXXX days of the first letter I sent, which they stated they did receive and the representative stated they would not and theyre waiting on the documents from XXXX  Hospital . At this time they have no validation of me being at XXXX Hospital, they do not have any documents with my signature on them accepting or approving treatment, and they have nothing stating I agreed to pay any bill with XXXX Hospital. Any help will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this XXXX. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXXXXXX XXXX  XX/XX/2023 XX/XX/2023 This company added late payments and this account is closed/reported card stolen 2. World Finance January XXXX XXXX  This company added late payments and this company advise me to refinance, but overall did not remove the late payments as promise 3. XXXX XXXX XXXX XX/XX/2023 This company added late payments and this account is closed/reported card stolen I also respectful request to be provided proof of these items
Product: Credit reporting

The credit reporting company Experian is reporting my mortgage payment as late. My mortgage payments has not been late in over 5 years. This is also affecting my credit score. I have been trying to resolve this issue with Experian over the past 2 years to no avail. This information can also be verified with my mortgage company. Calls made to the company have been unsuccessful, due to the fact that it is a constance recording.
Product: Credit card

XXXX I was fraudulently billed XXXX. I thought I was talking to XXXX about flight changes needing to make a new flight plan. The person told me I would be refunded my original flight but would be billed XXXX. It was fraud since they did not refund me any money and did not provided me a new flight, but charged me. I called capital, the credit card that I used, as soon as I realized it was a scam, which was a within a few days. They created a dispute. The merchant that committed fraud gave capital one a doctored receipt. I explained that is not real and that Ive already payed for my flight originally with XXXX and I did not sign nor agree or get anything they said in that receipt, that the flight they claimed they booked, I booked through XXXX. I called capital one many times to see how I could resolve this and spoke to many managers- they told me I needed a cancellation to show they didnt provide anything. I told them if they followed up with XXXX, it would show that XXXX booked the flight, but they told me I need to show that the flight was cancelled. I provided receipts from XXXX and my correspondence from XXXX all corroborating that the charge of XXXX was fraud. It was extremely frustrating since all of capital one providers and managers that I spoke to were off shore and kept giving me what felt like the run around and robotic statements it kept going on with me providing receipts and correspondence until they told me that the time to resolve this has expired. The experience with capital one, that alone was horrible, so many hours waiting, talking to people who didnt understand what I was explaining and writing so many letters.
Product: Checking or savings account

I am a   XXXX   XXXX   in   XXXX   XXXX   to   XXXX   XXXX  . Today (  XX/XX/XXXX  ) they sent out a generic email stating there was an account update and to log in to see it. Upon login, a small window opened saying that they had made an unspecified error in calculating returns and that our account should now show correct information. When I closed the window there was no way to view the message again and no further explanation to be found anywhere on the site.      Prosper  does not provide return calculations on their statements, so I have no way to show what the provided return was at any given point in time. However, I texted my father on  XX/XX/XXXX  that my return was 16.81 % as provided by  Prosper. Upon logging in today, my return is shown as 9.42 % Prosper has been routi nely, and I suspect knowingly, overstating returns for years. At no point since I first invested in the platform in   XXXX   has my return been stated at or below 9.42 %, whereas  Prosper 's   restated returns show many years with a return under that amount. I follow the peer to peer investor community forums and I am not the only person experiencing this today, virtually everybody is reported returns restated to lower values.     Finally, becaus e Prosper has r ecently removed the ability to sell notes on a secondary market, there is no way to liquidate my investments with them. I simply have to accept my new, lower returns and slowly pull money from the platform as time goes by.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We fell behind due to timing of the hurricane, as well as my spouse losing their job back in XXXX of 2017. We have been working extremely hard to work something out and sending the required documents requested week after week. It's to the point that we are still having problems with the company from losing Documents, one person stating that they have everything to not having the documents a few days later, submitting the same Documents over a month later to documents expiring because of this long process. We are trying to save our home, but Loan administration does not have their stuff together.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to the inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take the timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

The IRS  websites " get my payment tool '' said my stimulus check was going to be deposited on XX/XX/XXXX to my PayPal checking account..it has not gone into my acct.ive tried contacting the IRS 30+ times with no help then tried PayPal customer service with no help from them..my money is missing an I'm I'm extremely upset I need that money an I can't find anybody to help me solve the problem with my stimulus money going into my PayPal account!! Please help me out! PayPal has gotten alot of questions about people 's money the stimulus money that is being posted to b direct deposited into the acct an it hasn't!!
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. XXXX XXXX XXXX XXXX  XXXX  bal. {$7700.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXX XXXX  XXXX. {$200000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Good Morning, Request for Deletion of Collection with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between XXXX/ASPIRE and XXXX XXXX XXXX. 
As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement.

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Checking or savings account

On or around XX/XX/2023 I initiated a transfer from my XXXX XXXX XXXX Account to my Credit Karma checking account in the amount of {$600.00}. I have previously transferred between these accounts in the same fashion and never ran into an issue until now. Credit Karma advertises that they do not hold deposits and rather make the funds available to a customer as soon as the arrive, however I see in my account history that the funds had arrived on XX/XX/XXXX as expected yet they are BEING HELD by Credit Karma. Not only is CK ( Credit Karma ) falsely advertising their services to the american people, they are violating their very on rules by holding onto my deposit. 

In the transaction description it states that funds will be held until XX/XX/2023 to " prevent fraud ''. There has never been fraud reported on this account and this account has already had these transfers come through just fine historically. I think they are holding my deposit to utilize my funds for their own benefit, it makes no sense to hold my money XXXX like this.
Product: Credit reporting or other personal consumer reports

I am writing to provide an explanation regarding a specific issue that has arisen in connection with my credit profile, which relates to a debt associated with XXXX XXXX. I would like to emphasize that I do not own the debt in question, and I have made multiple efforts to rectify this situation, but unfortunately, it remains unresolved. 

I first became aware of this matter when I noticed an account linked to XXXX XXXX on my credit report. This account is connected to a timeshare agreement that was initially held by my ex-wife. My ex and I agreed that I would supply the down payment and she would maintain the monthly payments. I never agreed to be an owner. After our split, she did not hold her end of the bargain. The credit reporting agencies have informed me that this account will continue to be reflected on my credit profile until XX/XX/XXXX. 

To resolve this issue, I have undertaken several actions : 1. Communication with XXXX XXXX : I have reached out to XXXX XXXX to request information and documentation related to the timeshare agreement in question. Specifically, I have asked for the original documentation that bears my signature, which would serve to validate my ownership of the debt.

2. Contacting Credit Bureaus : I have also communicated with the credit bureaus to dispute the accuracy of this entry on my credit report. However, this has not yielded the desired outcome, as the item remains on my report.

3. Moreover, I wish to bring to your attention that the timeshare contract in question was charged off in XX/XX/XXXX. According to North Carolina General Statutes Section 1-52, which governs the statute of limitations for contracts, including timeshare contracts, actions must generally be commenced within three years from the date the cause of action accrued. Given that the charged-off date occurred more than three years ago, it is important to note that the statute of limitations, as per North Carolina law , has expired.

Despite my earnest efforts, I have yet to receive the requested documentation from XXXX XXXX that would establish my ownership of this debt. This lack of evidence supporting my involvement in the debt makes it crucial for me to seek resolution, as this situation could potentially affect my ability to secure a mortgage. 

I look forward to your response and a swift resolution to this matter. Your understanding and support in this regard are greatly appreciated. 

Item Disputed Agency : Experian Creditor : XXXXXXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX Action Details Charge Off Not My Account XXXX - Sent XXXX to the credit agency to investigate Certified mail receipt XXXX and delivered on XX/XX/XXXX. 
XXXX - No response from XXXX after 30 days. Mail letter to 2nd Notice to remove from credit file. Cert. Mail Receipt # XXXX. 
ACTION : Item Removed Check credit in XX/XX/XXXX for House purchase. 
XXXX Sent Dispute Letter Cert Mail # XXXX Delivered on XXXX but item remained on credit file. Neither XXXX on Experian were able to provide documentation of ownership. 
Final Dispute letter sent on XXXX
Product: Credit card

Closed due to Credit Score, which is fine.

Barclays is harassing me by calling multiple times. The excessive calling has given me stress and affecting my sleep. I am not able to sleep with the number of calls I am receiving. They have called me XXXX times since XX/XX/year>. 

Creditors should not be calling a number no more than 7 times a week. 

I would like my credit card balance wiped out since they chose to close out my account. I was making payments regularly prior to the account closure.
Product: Debt collection

In XX/XX/2022, I was contacted by mail by three companies seeking to collect the same debt. First Financial Asset Management/First Financial Investment Fund III LLC XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX written communications seeking to collect the same medical debt. It can not be legal that three companies can collect the same debt. I have disputed this debt with all three companies. I have called all three companies. XXXX XXXX XXXX specifically told me they had lawyers in their employ to escalate cases when necessary. Overall, these companies have big official names when they're really just three different debt collectors seeking to collect on the same debt. This can not be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke on the phone to XXXX XXXX XXXX on XX/XX/17  whom I have my mortgage with, I was told that they could lower my interest rate, and I told them there were a lot of companies telling me the same thing. I agreed that they could pull my credit, but never saw them on my credit report, but did see XXXX/ Credco on all three of my credit files. I did not authorize XXXX/Credco to pull my credit, when I contacted them they told me that they were a third party and they had a software that other companies used. XXXX did not mention anything about this,. XXXX should have informed me that they were using another company, if this is what they did, but XXXX nor Credco/XXXX have anything in writing from me given them authorization to pull my credit. XXXX /Credco refuse to remove this inquiry.
Product: Credit reporting or other personal consumer reports

Filed claim for accounts inaccurately reported/closed. 

Agency XXXX : {$510.00} XXXX XXXX XXXX XXXX XXXX University XXXX MO UNIVERSITY XXXX MI
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported to credit agencies that my loans were deferred instead of in active repayment. This was done in their attempt at compliance with the CARES act, but it should not have been reported as in deferment. This caused my credit score to drop 29 points as reported by XXXX. I do not know if my credit will continue dropping or bounce back, but this is not acceptable from a financial institution.
Product: Debt collection

Falsely reporting a fraudulent account on my report as Charged off as bad debt. 

Between XX/XX/year> and XX/XX/year>, the following remark was removed from this account : Remark code removed from TD BANK USA/ TARGET CREDI account Between XX/XX/year> and XX/XX/year>, the following remark was added to this account : Remark code added to TD BANK USA/TARGET CREDI account
Product: Credit card or prepaid card

I got an email offer for getting XXXX after {$5000.00} spend on XXXX XXXX 2017. I enrolled in the offer on XXXX XXXX 2017 and got a confirmation email shortly after I was enrolled. Then I spent some time completing the spending requirements. During this time I got couple more emails reminding me to put spend on this card to get the bonus points. However, I did n't get any bonus points after I completed the spending. I called American Express to submitted a claim regarding my missing rewards. Then I was told that the deadline for enrolling is XXXX XXXX, 2017, which I missed ( expiration date for enrollment was written on the side with smaller font, easy to miss ). However, I did n't get multiple confirmation email after my enrollment. I understand that I should be enrolled within the time frame to get the offer, but it is clearly American Express ' mistake to send out multiple confirmation email to remind to spend the required amount. Thus, I feel I should be rewarded for the offer. I talked to a couple rep from American Express, but they all refused to help me. I 've put a lot of my everyday spend on this card and always appreciate the good customer service from American Express. But I have to say that this experience is such a disappointment to me.