23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I CONTACTED COURT OF RECORD WHO HAS INDICATED THAT THEY DO NOT SHOW A RECORD WITH MY NAME, ( PLEASE SEE ATTACHED ) I CONTACTED CREDIT BUREAUS WHO CLAIM THAT XXXX XXXX HOUSES THIS INFORMATION. 

DISPUTED WITH XXXX XXXX WHO SAYS THEY GOT INFORMATION FROM XXXX 

COURT SAYS THEY DON'T PROVIDE ANY INFO TO BUREAUS OR CREDIT REPORTING AGENCIES. 

XXXX NEEDS TO REMOVE FROM THIER FILES PER XXXX, AND FDCMA REQUIREMENTS DUE TO MY PRIVACY AND INACCURATE INFO REPORTING. 

PLEASE SEE ATTACHED RESPONSE.
Product: Credit card or prepaid card

For background, I had an Amex Platinum until XX/XX/XXXX, but canceled it due to several poor customer service experiences with Amex. 

In XX/XX/XXXX, I read an article announcing that Amex was doing a targeted offer for XXXX bonus points via XXXX XXXX CardMatch program. I've been considering trying the card again, but I assumed I'd be ineligible since I already had an Amex Platinum. 

I decided to give it a chance though and, to my surprise, was matched to the XXXX bonus point offer. I still thought it might disappear when I went over to Amex to apply officially, but nothing indicated that I wasn't eligible for that offer, so I officially apply and am approved for the card. 

3 months later, I've put well over the required $ XXXX min spend on the card, plus paid the {$550.00} annual fee, but still haven't received the bonus points. I reached out to customer service about this, and they tell me that I'm ineligible for the bonus because of my previous card and that I should have noticed that in the fine print ( even though everything on the page I applied through made it appear like I was still getting the XXXX bonus offer ). 

I'm extremely disappointed about this. I would not have reactivated my Amex card without that bonus, nor would I have paid the annual fee, nor would I have spent several thousand dollars on the card. I feel like they've run a bait and switch on me by burying the fact I wasn't qualified in the terms and conditions somewhere while still making it look like I was qualified throughout the application process.
Product: Credit card or prepaid card

I filed a report about fraud and id theft, the report is attached.
Product: Money transfer, virtual currency, or money service

Within the last month, I opened up a cash app account and I have been using it to send money to relatives and friends. Today, I tried to use it and it was closed. I contacted someone and just received the run around. No one could give me an answer as to why it was closed all of a sudden. I noticed on the cash app reviews and question page that this has a trend by cash app.Here are a couple of other complaints : Isnt it strange that you cant talk to anyone? They have messed with the wrong person. I am going to pursue this to I cant pursue anymore for all of us XXXX XXXX  XXXX 1m ago I have been using mine regularly and I received a message stating that I violated their terms and policies and that my account was closed. When I contacted them by phone, they said they could not handle that over the phone but through the chat only. I am livid right now XXXX 8mo ago Mi account closed last Friday for the same reason! I didnt violate any terms XXXX 8mo ago I suspect its just thinly veiled fraud at this point. It will probably continue until someone files a class action XXXX XXXX  XXXX 8mo ago I also got mine closed after 7 years of constant use. I see this is becoming a trend
Product: Credit reporting or other personal consumer reports

This credit card was closed in XX/XX/XXXX due directly to medical complications of XXXX XXXX and being injured in the line of duty as a XXXX XXXX XXXXXXXX, now on social security XXXX and XXXX XXXX XXXXXXXX This has drastically changed my yearly income, preventing me from paying my creditors on a timely manner. Ive closed three other credit card accounts and was able to be I rolled in a customer assistance program, lowering my monthly payment to something I can pay in order to eventually pay off my account without claiming bankruptcy. This company has agreed to accept {$40.00} payments from XX/XX/XXXX to XX/XX/XXXX. In XXXX, XXXX, XXXX XXXX XXXX XXXX  agreed to place me in a customer assistance program of paying {$40.00} a month on auto pay on certain dates we agreed to. They are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. After such, some kind of long term plan would be made. Meanwhile, this monthly payment plan, case # XXXX created by the XXXX XXXX XXXX XXXX  representative, was approved. In XX/XX/XXXX, I noticed my account was paid the {$40.00} but I also noticed that my account was being charged a {$30.00} late fee as well as {$110.00} in interest. I called the customer service in XX/XX/XXXX after seeing this and explained my concern. The representative apologized and removed the {$30.00} late fee and stated she would write down my other concerns of {$110.00} in interest being applied as well. In XX/XX/XXXX the account was paid {$40.00} on autopay but again, my account was also assessed a {$41.00} late fee and the additional {$110.00} in interest as well. I did call and filled a complaint as well as writing three ( 3 ) separate internal messages on my account app to the customer service department. I was told during my last phone call with a representative, that she wrote down the issue and after speaking with a supervisor, someone would call me back within 24 hrs. They never did. On XX/XX/XXXX I received a notice on my credit report that now this creditor, XXXX XXXX XXXX is reporting my account as 30 days late. This lowered my fico score by XXXX points. This was outrageous and shameful and should not have been reported wrongly. As this account was in a customer assistance program of {$40.00} per month with the case # I have provided as proof. Now suddenly, Im being marked by false credit reporting of being 30 days late on this account, still being wrongly charged a late fee and still being charged {$110.00} in interest in this customer assistance program. This Creditor, XXXX XXXX XXXX bank is falsely reporting late payment activity, and unethically charging my account late fees and interest while this account was always current and was placed in a customer assistance program to help me till XX/XX/XXXX. This case # proved is authorized till XX/XX/XXXX with automatic payments of {$40.00} a month as agreement between me and this creditor. This is outrageous behavior and incredibly unethical conduct of a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to report XXXX  account for violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAPRemove the account immediately. Thanks. 

XXXX XXXXXXXX
Product: Student loan

MOHELA does not attend to the issue I am having regarding employment history. I already told them that I am serving with the 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. But MOHELA still states that I was employed with the XXXX  from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which is not correct. 

My contract and orders already display my application acceptance date, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and expected contract length date. I do not know what else I need to provide for supporting documentation. They may visit in-person at XXXX XXXX and check documentation with my Chain of Command if necessary. 

*** Student loan is from XXXX XXXX XXXX XXXX. It was not an option on the School menu.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX- Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of InquiryXXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of InquiryXXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of InquiryXXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of InquiryXXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I voluntarily returned my XXXX XXXX to XXXX financial around XXXX due to mechanical issues ( paid XXXX in repairs in 2 years ). XXXX XXXX and their attorneys XXXX and XXXX placed a judgment on me on XX/XX/XXXX. This date is clearly past the 5 year statute of limitations in Florida to collect the debt. I called XXXX and XXXX and asked why they did this after the statute of limitations expired. The representative told me I made a single payment 3 years after I returned the car and that payment started the clock over again and they can collect on the debt. I didnt make a payment to them and asked for proof of payment, date of payment and mode of payment. XXXX and XXXX told me they didnt have the info on the payment they said I made, but they would get the info and contact me via phone or email to prove I made a single payment years after I gave the car back. Never received a call or mail proving the payment. I called back asking for the info and the representative said they cant get me proof of the payment they said I made. XXXX and XXXX t placed a garnishment on a chase account ( XX/XX/XXXX ) I shared with my XXXX XXXX XXXX grandfather with I was taking care of him at the end of his life. The judge in XXXX XXXX XXXX Florida reversed the garnishment on a web conference call and returned the money back to my grandfathers account since I made no deposits into the account and his account consisted of Pensions, social security and POW benefits from XXXX. They did however take around {$800.00} from a chase account I opened while taking care of my grandfather in Arizona. 


. They also violated the fair debt collection act numerous times trying the collect the debt. They called X wife and relatives with strong arm collection tactics saying the Sherriff was coming to my house unless I contacted them or paid the debt. I contacted Cascade via mail and to them to only correspond with me via mail due to their tactics. The calls stopped for a while and started back up. They would call me and do the same tactics.

In closing, Cascade Capital and XXXX and XXXX cant prove I made the single payment years after I returned the car and before the 5 year statute of limitations expired. I feel like they made up the payment to extend the judgment. A quick online search shows this is not the first time they have used this tactic to extend the statute of limitations so they can continue to collect after the statute of limitations expired They also recently placed another judgment on me to keep this going to try to collect. Its been a nightmare for sure.
Product: Credit card

I received a letter from BARCLAYS asking that I forward them copies of my license, social security card and utility bills for them to review regarding a JetBlue Plus Credit Card that I did NOT apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intersted in disputing all incorrect information on my credit profile with transunion. checking my file alot of data is invalid please update an correct all information submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX in XX/XX/XXXX ; which included XXXX. I have informed Equifax several times by disputing the total amount showing up on my credit score. I had XXXX over 1 ago. Now my score is XXXX because every month Equifax is reporting inaccurate information on my credit report as well to other lenders. I called Equifax XX/XX/XXXX and was total it's not there issue to handle call XXXX ; in which I did previously. Too no reveal. I Was told they would remove it from my credit report. But has not yet. This was months ago. Please stop providing inaccurate information on my credit report which has been because of it.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2024, I have made attempts to dispute the debt own on this account to be inaccurate and incomplete. This item was purchased by a third-party debt collector, XXXX. XXXX, XXXX. I have no written contract with them to pay this debt. The amount displayed on my credit report is incorrect and was paid for less than owed, by the third-party debt collector. The question is how much did the collection company ; XXXX. XXXX, XXXX pay for this item? I don't know and neither does my credit report reflect such an amount. I am exercising my rights, because this is clearly a violation of the FCRA, section 609 and 611. It is not accurate nor is it complete. Therefore, this must be DELETED IMMEDIAELY. This credit bureau has not responded back to me as of yet or resolved the problem.
Product: Credit card or prepaid card

Dear CFPB, I wrote to you a few months ago about XXXX XXXX  who has been pestering me with pre-approved offers on credit cards for many months now - they are FILLING up my mail box with their half-scam product offers, and I called them so many times and they said they removed me from the list, but it just continued. I travel a lot, so often when I return home the mail box is so full of their envelopes that my actual mail and bills doesn't fit in the mail box anymore and is scattered underneath it. 

I have now received a letter from XXXX XXXX saying they have removed my name from the list ( but there were also two new ( undated ) promotional envelopes in the mail box, so I'm not sure I trust this ). 

However, the reason I'm contacting you now is that on top of my incredible frustrating experience with XXXX XXXX today my mailbox was filled to the brim with TEN envelopes offering me pre approved credit cards, not only from XXXX XXXX, but two NEW companies have started pestering me now too : XXXX XXXX and Citibank. I have called both to complain and have my name removed and while Citibank have now held me at a hold for 36 minutes ( still counting ), XXXX was somewhat helpful and informed me that they have gotten my information ( because I have never had anything to do with either one of these three banks, so it is even more insulting that they are spamming me to this degree! ) from one of the three credit bureaus ( XXXX   XXXX and/or XXXX ). They couldn't tell me which one specifically. 

Is there a way that you can PLEASE help me STOP these credit bureaus from sharing ( or selling? ) my personal information to all these credit card companies? I really feel so pestered and tired by this. Often their envelopes come with big red writing " URGENT RESPONSE NEEDED '' etc, and it's so uncomfortable. And most importantly it drowns my normal mail and packs up my mail box. I don't want these credit card offers in my mail box!
Product: Student loan

I initially applied for an income driven plan when I graduated from medical school in XXXX of XXXX. At that time, my loan servicer was XXXX XXXX, they approved my application for an income driven repayment plan. In XXXX, I was transferred to Mohela for public service loan forgiveness and continued management of my loans. When I initially logged into the site, there was no indication that I had been switched to a standard repayment plan. Given that I was mandatorily transferred to Mohela for PSLF, and had only filled out government documentation indicative of this I assumed this would be correct. In XXXX when I noted my bill for {$1000.00} instead of the {$0.00} I had been previously quoted ( I did not have a job in medical school and did not yet qualify for recertification ), I immediately reapplied for income driven repayment through FAFSA which they then chose to process but refused to bill me for in XXXX. Currently, they're charging me {$1000.00} for a month of their standard repayment plan which I did not request instead of the {$200.00} IDR loan amount. They stated its because my prior servicer did not transfer over my payment plan ; however, they never made me aware of this issue. And quite frankly, I was transferred to them for PSLF so it does not make sense why I would be on a standard repayment plan which does not qualify. This seems like fraud and them taking advantage of an opportunity to make money on one bill.
Product: Credit card or prepaid card

Chase JPM Credit Cards were closed without telling us. Chase refused to give over 23,000 Reward Points. We were in the XXXX, MA Office in person on XX/XX/2020 for over two hours. Chase was not very helpful in paying off the two Credit Cards. One was an Amazon Credit Card. How do we get the Rewards Points?
Product: Checking or savings account

My name is XXXX XXXX. I am a XXXX year old college student during the month of COVID-19. Chase has not refunded my money to me. They took my money away starting XX/XX/2020 and now it has been XXXX. They took my money away because they thought I stolen money from my parents XXXX Unemployment money. But after I brought my parents they examined my parents ID and got my parents signature stating that my parents have given me those fund to put into my account in order to help me with college. Chase told has told me that they understand and everything is done. And they will send my money out to me. Now it has been 1 year. I call chase everyday waiting for 1-2 hours for them to pick up. But they dismissed my problem. I also go to the local chase bank and talk to the banker XXXX XXXX. I contacted the federal before and chase did agree to give me around XXXX dollars back and now I have around XXXX dollars left and they still have not given it back to me or contacted me in any way and its been a year since they have taken my money. 

This is the last statement they send out to me after the federal contacted them. 

From chase bank : We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal when you spoke with us. Under the terms of our Deposit Account Agreement ( DAA ), we may decline or prevent transactions to or from your account, and we generally do so to protect you or us, or to comply with legal requirements. We closed your accounts and placed the funds totaling {$9400.00} in suspense. The conditions were met for {$6000.00} to be released from suspense. We sent you a cashiers check for this amount on XX/XX/2020, by UPS with tracking number XXXX. The remaining funds of {$3300.00} will remain in suspense until the funds are verified by the sender. There is no timeframe for when this will be completed. The DAA allows us to close an account other than a CD at any time, for any reason or no reason and without prior notice. It also explains that we may remove funds from your account to hold them pending investigation. We gave you a copy of the agreement when we opened your accounts. You can see the current agreement on chase.com. 

Now that its been a whole YEAR, I would really like my money back. This has gone on for so long. And I have been extremely patient.
Product: Student loan

Good Afternoon - How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Debt collection

XXXX sent a bill of {$41.00} in the mail. 
For a surpass debt from XX/XX/year>. Why am I just receiving this!! Why is it so much??! And why did FL. Department of Transportation not send me anything before it became {$41.00}!!!! 
Its hard enough to put food on the table for my wife and children!! I dont ask the government for money or any kind of assistance. If this were a {$5.00} debt I wouldnt have looked twice but just under {$50.00} for using a road my tax money helped to build in the biggest XXXX our country has ever seen because of your administration that was installed on XXXX taxpayers. I have had enough of this nonsense. 
Remove this garbage from this petty collection agency and dismiss it. You obviously have my address so where is the original XXXX digit bill?! 
I have had it!!!! XXXX