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

I went into a Kohls store in XXXX CO on XX/XX/2020. The cashier offered an instore credit card. I refused multiple times. The cashier would only ring the merchandise up at the in store credit card special price until the end and used a bait and switch technique to get me to sign up for the credit card. I did not. And still refused. To which the cashier said in front of the manager that they always tell people bad credit is okay just let them run a credit report on you and you get the discount. I asked if it was a hard or soft inquiry. She refused to answer. I later find out it's a hard inquiry taking points off of people 's credit scores for cards they didnt want to sign up for in the first place. Super predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was leaked 3 times. I have proof of this from my credit Report. I had cards opened in SoFi and And XXXX XXXX with XXXX XXXX. I reported these cards as theft and they closed the XXXX XXXX and took the balance away, and then they brought it back. My sofi card account was closed but they say I am still responsible for The card. I live in XXXX and the charges were all in New York. I would like this removed from my credit report. It has brought my score down XXXX points.
Product: Credit reporting or other personal consumer reports

Someone stole my identity. None of this stuff on my credit report is not mine. With all the credit bureaus. XXXX XXXX XXXX  Ive never got a loan from these people. Someone stole my information and they are trying to charge me money hat I don't owe. I never did business with these people. They have a charge off on my credit reports and I've never did business with non of these people.Someone stole my wallet and they have my information.
Product: Credit reporting or other personal consumer reports

I disputed 4 debt collection agencies and collections account on my report. These four agencies do not have the right to collect debt in my home state. I provided the info via certified mail. And also I dont believe the 3 credit agencies thoroughly investigated my claim but the listed my dispute as accurate but did not remove the items from my credit report. I can upload the pictures of the 4 companies who do not have permission to collect debt in my state
Product: Vehicle loan or lease

I no long can afford the vehicle I offered many times to give it back due to me being in a car accident 2021 where the car was totaled
Product: Checking or savings account

On XX/XX/XXXX there was a {$200.00} ATM withdraw from my bank account that I did not make. I was so suprised because my card was still in my wallet ... So I called Chase as soon as I realized the amount was taken which was the next morning XX/XX/XXXX around XXXX XXXX. I filed a fraud claim and they credited my account {$200.00} while they investigated. I thought great they will check them ATM camera since it was at there own branch ill get my money back it 's not as bad as it could have been. NO I WAS WRONG!!! I recieved a email to call chase so I called chase and they need more info to resolve my fraud case. They asked if had my debit card, if I ever used this ATM and other basic info I answer I had my card and that was the bank actors the street from work and I opened my account there. I was then told they would email me there response. I did n't think I woukd receive a email on XX/XX/XXXX stating they are reversing the {$200.00} credit. In shock I called Chase and was told that since I had my card and used the same ATM I could not prove it was n't me and that there is NO way someone could make a card with a chip and take money out of a ATM .... pretty much acusing me of takimg my own money out!!! Wow!!!! I asked them did they review the camera they said no u need a subpenoa to get the footage!!! I was flabbergasted how could they allow someone to walk up to the ATM take my money and tell me sorry you owe us NOW and are charging me overdraft fees returning payments! I have now filed a police report and trying to obtain a subpenoa to get the camera footage to prove my innocence and get my hard earned money back. Can you please help me with this this unethical company!!! I was a loyal customer for 8+ years and never expected that someone could steal my money and I would have no protection. Please share I know chase is doing this to more people and it 's just wrong.
Product: Credit reporting

On this date XXXX/XXXX/2016 ( see attached ). 

Equifax corrected several items off of my Credit Report and deleted them. ( See attached ) On this date XXXX/XXXX/2016, I noticed that these items were in fact not deleted and also left in investigation status which has taken longer than 30 days. 

I understand from the F.T.C. that they can not reinstate things they deleted without notifying me within five days of reinstating them. Instead of filing an F.T.C. complaint I decided to directly to you.
Product: Mortgage

from XX/XX/2020 till today XX/XX/2020 I have sat on the phone for hours waiting on someone from my mortgage company GREGORY FUNDINGt o tell me why they had not paid my county taxes that is included in my mortgage. Since XXXX XXXX they tell me every time that they will make sure it is paid. I call back several days later to checkon it and it has not been paid. THEY WERE DUE XXXX  I called today XX/XX/2020 and it still has not been paid. 
How do I get away from this company. They are very dis organized. I have never been late paying taxes. This is bad business!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Debt collection

This situation is beyond frustrating and has become completely debilitating. Imagine waking up to find a debt you know nothing aboutunverified and clearly not yourswhile being bombarded with harassing messages from various platforms, each using different tactics. I never thought Id start my mornings facing threats of legal action for something I didnt do. Its deeply insulting as a law-abiding citizen to have my consumer rights blatantly disregarded. The toll this is taking on my mental health is overwhelming, leaving me with sleepless nights and constant XXXX
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX  Block Request To whom it may concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card

I paid a company called XXXX XXXX a total of XXXX between my Wells Fargo Visa and XXXX XXXX for services that were never provided. They were to teach us how to effectively sell on XXXX, set us up with drop shippers and create a website. All of this was with the promise that I would get my money back within one year. They never provided the website or any of the drop shippers. They did nothing to justify the money we paid. We had to pay another company for a website and do all of the stuff they promised through other companies. I was informed that I am unable to dispute these charges because of the time that has passed but I find that this is not an acceptable answer. This company has been paid a lot of money for nothing.
Product: Mortgage

I answered an online add on or about XX/XX/2018 from XXXX XXXX XXXX claiming that I could save on my mortgage payments. I completed the online application. The site said that, if they couldn't offer a lower my rate, I would get a " prepaid {$250.00} Visa gift card. '' Please see the attached screen shot of this claim. 

I presently have a loan that I recently got at 3.40 % for {$430.00} K, paying {$1900.00} per month, fixed for 30 years. 

The answer I got on the online site was, as you can see, that my payments " could be as low as {$8000.00}! '' I called the number on the website and first spoke to XXXX in XXXX, MI. He then transferred me to XXXX at XXXX. I told him that his company should send me the {$250.00} gift card. He said, " Oh, that was only for loans to be funded only after XX/XX/XXXX of this year. '' I reminded him that there was no  mention of that date on their advertisement, as one can see from the attached webpage.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTIN TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, HARD INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th attempt to notify that I am a victim of identity theft and I sent a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of these items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) these unknown Items listed must be deleted : XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$77.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit card or prepaid card

Today, XXXX XXXX, 2017, I received a Netspend prepaid, direct deposit XXXX that I did not request. I never visited their website, never spoke with then on the phone and never sent postal mail, yet, I received a card in my name today.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being in XXXX for a whole year I came back to discover that some credit cards had been open in my name without my consent or knowledge. I sent paperwork to each credit company and each one has been very good except for Equifax. They still have one fraud account left which is hurting me very much. My bank ( XXXX XXXX ) has recently closed a line of credit worth {$25000.00} and I am sure this one bad account has something to do with it, so I really need Equifax to clear this last fraud item from my report please!
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security XXXX, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding unauthorized inquiries appearing on my Experian credit report. I request your assistance in addressing this matter and ensuring that these inquiries are promptly removed, as they are in violation of my rights as outlined by the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report on XX/XX/XXXX XXXX and XX/XX/XXXX XXXX, I discovered multiple inquiries from entities with whom I have never engaged in any business or authorized to access my credit information. These unauthorized inquiries have negatively impacted my credit standing and potentially compromised my personal information. As a responsible consumer, I took immediate action to rectify this situation. 

I contacted Experian and requested the removal of these unauthorized inquiries from my credit report. However, despite my repeated efforts and the provision of supporting documentation, Experian has failed to comply with my request. Their refusal to remove these inquiries not only disregards my rights as a consumer but also undermines the integrity of the credit reporting system. 

According to the FCRA, consumers have the right to dispute inaccurate or unauthorized information on their credit reports, including unauthorized inquiries. I have diligently followed the correct procedures and provided Experian with the necessary evidence to support my dispute. Nonetheless, Experian 's inaction and non-compliance have left me frustrated and concerned about the accuracy and reliability of my credit report. 

Therefore, I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I urge you to investigate Experian 's practices regarding unauthorized inquiries and ensure that they promptly remove these inquiries from my credit report. It is essential to uphold the FCRA 's provisions, protect consumer rights, and maintain the integrity of the credit reporting process. 

I would appreciate regular updates on the progress of the investigation and any actions taken to address this matter. Your commitment to consumer protection and your efforts to uphold fair practices in the credit reporting industry are crucial in resolving this issue effectively. 

Thank you for your prompt attention to this complaint. I look forward to a resolution that safeguards my rights as a consumer and restores the accuracy and reliability of my credit report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, I recently submitted a claim/dispute that my information was leaked in an XXXX data breach. I submitted complaints via the CFPB with complaint ID # s : XXXX XXXX, XXXX XXXX XXXX and Experian, XXXX. After all accounts listed on my dispute were removed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) They were placed back on my report! This is unacceptable behavior towards someone who is a victim of identity theft. I completed an Identity Theft Report ( reference # XXXX ) and you honored my request. There is absolutely no reason for any of these accounts to be reappearing on my credit report. I provided the appropriate documentation to support my claim. Anyone claiming this account to be mine, has used my name and personal information without my consent!! These accounts must be BLOCKED and DELETED PERMANENTLY according to 15 USC 1681c-2 ( a ). As a consumer, it is my right to dispute inaccurate and fraudulent information. XXXX XXXX XXXX and XXXX XXXX XXXX was reinserted back on my credit report without a letter sent to me in writing within FIVE DAYS before it was reinserted. According to the FRCA, this is against the law and against my consumer rights. I demand this account be removed, because any information provided that it belongs to me is FRAUDULENT, and not relayed to me.
Product: Debt collection

I received a court summons yesterday, XX/XX/year>. It was from Crown Asset Management , LLC trying to collect on a debt. I called their law office on XX/XX/year> to discuss the debt and I informed them that they shouldve contacted me before filing a lawsuit. I had never heard of them and I dont know who they are. Essentially, I was blindsided. The person I spoke to, who didnt identify himself, said that they sent a letter in the mail, but I never received a letter from this company, nor was I given a proper opportunity to evaluate the validity of the debt. I asked why I wasnt called because I always have my phone and they couldve gotten in touch with me. The person I spoke to said, we dont make phone calls. Again, I expressed that I didnt think it was fair to have a lawsuit filed against me before addressing the matter outside of court and the person cut me off mid-sentence and said, well since youre so upset about the lawsuit, well handle it in court! Then he hung up in my face. I still dont know how valid this debt is, and I dont appreciate being disrespected when I was simply making an inquiry and an honest attempt to solve the issue. Crown Asset Management , LLC did not properly inform me of the debt, have not given me the opportunity to validate the debt, and rushed to file a lawsuit before contacting me about their problem. They have made a public display at humiliating me, as civil suits are public record, and I have never even heard of these people.
Product: Credit card or prepaid card

I am a member of the XXXX XXXX XXXX. I write to lodge a complaint against American Express for misleading advertising, fraud, equitable estoppel, and violations of the SCRA and MLA. 

In XXXX, I found out that American Express waivers the {$700.00} fee for military personal. I reviewed their official policy and from other military personnel. It all left a strong impression that XXXX XXXX, who were on Active Orders, were entitled to waiver of the fee. 

I relied upon this advertising when I chose to apply for the credit card. I was approved XXXX XXXX XXXX I attempted my first MLA and SCRA applications in XXXX XXXX  for my Active orders lasting from XXXX to XXXX. I sent in my Orders. I follow-up midXXXX XXXX to be informed that my application was never received. I filled out another application for military benefits in midXXXX. Additionally, the Amex Special Team did the application for me and told me AmEx would reach out and affirmatively inform me of their decision in XXXX weeks. 

On XXXXXXXX XXXX XXXX, while on XXXX XXXX orders, I followed up against and I was informed they never received an application. I applied again and sent them my Orders, while being on active Orders. They told me again to apply again. I applied against XXXX XXXX XXXX 

On XXXX XXXX XXXX I followed up and was informed that I needed to apply again, which I did. I was told to wait until XXXX for a response from AmEx. I never received a follow-up. My Orders were completed XXXX XXXX XXXX. I inquired again to AmEx on XXXX XX/XX/XXXX XXXX to be informed that needed to apply once again and weight XXXX weeks. AmEx successfully avoided my request until my Orders expired, so they would have the ability to deny the fee waiver. After which, my applications started to seem to move. 

I waited. I contacted American Express on XXXXXXXX XXXX XXXX, who informed me that " We have processed your request for [ MLA & SCRA ], [ payment ] will be reflected in your account within 24-48 hours. No such request, waiver, or correspondence was ever reflected in my account within 24-48 hours. This was a lie. 

I contacted AmEx today to ask the whereabouts of my payment and was informed they never received an application from me. I applied again on XXXX XXXX XXXX, and uploaded all my Orders again. When I told the agent the reference number she gave was invalid, she aburbly ended the chat. I contacted them again and was referred to AmEx 's Special Team. They did my application, and said the DoD would be in contact with me. The DoD will tell them I am not on Active Orders, and AmEx will use it to reject the fee waiver officially. The Special Team lady told me that the benefit only covered Active, Reserves, but not XXXX XXXX, even those who American Express purposefully engaged in deceptive practices, which targeted the XXXX XXXX XXXX members. Upon their advertisements, I relied upon them to my own determinant.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing a delinquent account causing a major decrease in my credit score. I dont have any delinquencies.
Product: Payday loan, title loan, or personal loan

The personal loan was originally with XXXX. XXXX became the financial company associated with this loan. Due to my husband 's job loss, we have been struggling to make full payments. Real Time Resolutions then took over our account. My husband spoke with XXXX XXXX about creating a payment plan. When he created this payment plan in XX/XX/2018 of {$50.00} every two weeks with XXXX XXXX at Real Time Resolutions, we were told that if we made consistent payments of an agreed amount our credit would not be negatively impacted ( no report of delinquency would be communicated to credit bureaus ). We received the letter attached below from Real Time Resolutions demanding payment in full of the loan ( {$4600.00} ) in order to avoid Real Time Resolutions reporting delinquency to the credit bureaus. My husband called Real Time Resolutions regarding this communication. They are saying we must pay the balance in full immediately in order to avoid any issues with the credit bureaus. This information is contrary to what we were told when we created the payment plan. We are making good faith payments, directly debited from our checking account, in order to keep ourselves above water with this as best we can since we are now only bringing in one income with a household of six which includes college payments going out as well as all other household and living expenses. Real Time Resolutions is not being consistent with their information to us as we work through this challenging financial experience. See account information for both XXXX and Real Time Resolutions below : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX   XXXX Real Time Resolutions XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Student loan

I had just finished my XXXX XXXX Degree and decided to consolidate my student loans so that I could qualify for the Public Service deferrment. I completed all of the paperwork and was given a letter from Nelnet stating the terms. The terms were not what I was expecting so I called them within the 10 day window prior to consolidation and spoke with a cheerful representative. I told her that I had signed up for the REPAYE program and was initially given a much lower dollar amount and she confirmed all of this. Told me what the payment amount should be ( which is what I was expecting ) and when my first payment was due. When the first payment date was a week away ( according to the info provided to me by the rep ) I called because I had not received any information on where to send my payment. I finally connected with a supervisor who told me that since I had a parent plus loan I did not qualify for the plan that I had requested and that I was given bad information from the initial rep and that there was nothing they could do to help me as they had already consolidated the loans. Now I am looking at really struggling as these new payments are on the worst income contingent plan without a cap at an amount that I will not be able to comfortably make.