23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account 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 Equifax 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, so I require you to send me all the documentation to prove that this information is accurate. 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: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for, and now my account has been closed. Consumer 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 ). 
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 card

It was last XXXX ( 2015 ) that I applied for the XXXX American Express and fulfilled all the requirements ( spending requirements ) to obtain the XXXX bonus point offer. However, XXXX placed my account into financial review shortly after meeting the spend requirements and ultimately declared that they will be shutting my account and seizing all the points. 

Fast forward a year, I reapplied and was shortly subjected again to a financial review. I sent all my documents in via fax ( which I did last time ) only to learn that they never got it. So I sent it in by slow mail and they finally obtain my tax return to grant me account opening. When I received the card, I sent a chat conversation through XXXX site to inquire if I will qualify for the XXXX bonus offer and was told by the representative that I will receive the bonus, only if I meet the spend. 

However, today, when I have met the spend and the statement will close on the XXXX of XXXX, I once again asked via chat the representative if I will get my bonus. I was surprised to hear that I will not because upon digging into my account, the representative told me that I have had the bonus and per the terms, I will not receive it if I held the card in the past. Yes even though I did held the card in the past, I never received my bonus points. On top of that, the first conversation the agent confirmed I will indeed receive my points. So with this inconsistency, I want to file my complain as I believe its not fair for XXXX to seize points and claim that I have received the points/card when I never got the point and to have representative state false information. 

I was also told that all my chat logs are kept on the server so I would have them cross check on this but I am confident that the first agent told me I would get the bonus if I meet the spend ( which I did ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to Transunion for continuously reporting fraudulent and questionable accounts. I sent out letter to the bureau but they take no action, the accounts that I reported to them still reflecting on my file. I sent out the letter last XX/XX/2022 and until they did not take action in correcting the accounts. I have attached also my FTC report number XXXX for the references of these fraudulent accounts.
Product: Credit card or prepaid card

Up until this point I have had no issues with American Express. I have never missed payments, never had poor experiences, etc. That unfortunately has changed. Recently my wife and I both applied for the Delta Gold card ( within the past month ). She was instantaneously approved whilst I was asked to provide " more documentation ''. This already felt odd from the outset given my credit history is substantially longer and my credit score was also higher than hers. She even had a small but nonetheless open collections account that we had been unaware of at the time of her application. Yet she was still instantaneously approved and I was not. 

I received a letter in the mail from Amex demanding that the documentation I provide by mortgage statements/home insurance statements etc. I also need to provide proof of my name! This is when it became apparent that I was suffering discrimination and the XXXX was being violated. My wife and I recently became homeowners and thus our address changed on our Amex accounts we were now owners instead of renters. Why was she not asked to provide supplemental documentation. Why is it just assumed that she is being entirely truthful and forthright about her address. Simply put, she has an entirely Caucasian name. We have not processed a last name change yet and thus her name comes off as entirely Caucasian. Both my first and last name clearly suggest I am a non-white person. The insinuation hear is that I as a non-white person I am not as creditworthy and may have made a false statement in claiming that I own a home ( or even gave a false name according to Amex?! ). This is simply unacceptable. 

Perhaps the true final nail in the coffin was my wife had never remembered to change her address when we became homeowners. Amex had my new address already, but they hadn't had hers. She had applied for something else previously ( and was instantly approved ), and informed me she got a letter from Amex saying it appeared her address in her account was potentially incorrect. Yet she was still approved instantly. Amex changed the address in her account on her behalf, and just simply accepted the fact that it's her home. Honestly, my credit report clearly shows both my address as well as my mortgage. It's absurd. 

I went from being a XXXX, XXXX, XXXX XXXX XXXXXXXX youth to someone who is about to earn a XXXX XXXX XXXX, has a credit score well beyond the average for my age, was a first-gen home owner at XXXX despite my upbringing, and still my worthiness within the financial marketplace is questioned, in fact my story invalidated, because of something I can not change about myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

These reports are incorrect. I have requested that the credit companies remove them but they have not. The dates are wrong, the accounts are wrong altogether. 
I have sent validation letters to all XXXX bureaus. XXXXXX/XX/XXXX I have disputed them multiple times, XXXX XXXX XXXX XXXX
Product: Debt collection

This was a debt incurred by my ex wife. She used my name to secure this credit. I have other debts she created including her divorce attorney debt that I got stuck with. I am just trying to rebuild by life and credit.
Product: Credit card

I closed Fortiva account in XX/XX/year>. I received a bill and paid it because I thought maybe I forgot to close it when I paid it off last year. I called today XXXX to close and XXXX the representative said the account was already closed. Will not refund the XXXX. 

I do not understand how a closed account can accumulate annual fees.There are also missing statements months in XXXX. This company is scamming consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to access my free Equifax credit report on XXXX and it provides me with information that is NOT a part of my credit report and when I answer " None of the above '' to all of the questions, I get a message stating they can not provide my credit report and list mailing instructions. I am NOT sending this personal information through the mail! 

I go online to myequifax.com and XXXX though I have removed a 2017 freeze several times XXXX, it states that there is a freeze. I assume that was the reason I was unable to get my report on XXXX, but when I click on " Manage a freeze, '' I get the same type of message, that they are " temporarily unable to retrieve the status of your security freeze. '' I call and follow the automated system trying to remove the freeze there, I also get an automated message saying they could not process the request. I just stay on hold waiting for an agent who never comes on the line. So, essentially, I have no access to my own information and the freeze I have requested to lift multiple times in the past several years is still on my account with me being unable to remove it myself. 

I need my free Equifax credit report, I need any freeze on my account lifted, and I need to be able to fully access my own account on myequifax.com.
Product: Checking or savings account

The IRS made a direct deposit to my Paypal account on XX/XX/2021 for {$600.00}. The account number has been verified as correct. I spoke with one person on the XXXX that said no deposit received. I spoke with XXXX on the XXXX, he stated it has been received and he assured me my funds will be posted on the XXXX. Its been a delay due to Paypal systems. I spoke with XXXX on the XXXX, she can not explain why XXXX said itll be posted on the XXXX, and refused to give me a supervisor. She just informed me it takes 3-5 days. Today is the 5th day and nothing has posted to my account. Its really sad that PayPal, a large company like this would delay the processing of funds. Especially during a time like this. Their customer service XXXX
Product: Consumer Loan

In XXXX of XXXX a fraudulent application for a loan was made with my personal information online. One main financial contacted me by phone to ask me to come into their office to fill our paperwork to complete the process. I informed them that I did not apply for a loan with them in XX/XX/XXXX. 

The person I spoke with said they would stop the loan process. They also informed me that I needed to send them a letter so they could delete the fraudulent inquiry from my credit report. I sent the letter to them in XX/XX/XXXX. 

They sent a letter back basically saying because it was an online application that they would not delete the inquiry. That makes no sense. I told them it was not me at the time this happened. My credit is suffering because of something I had nothing to do with. 

I am attaching my initial letter to them - their response letter - and a notice from XXXX where I alerted them that this was not me applying for the loan online.
Product: Debt collection

I noticed a collection on my credit and disputed it. They replied with it meeting all required requirements. I responded to their email asking them for relevant information ; contracts with signature, debt verification, payment history, court paperwork from judgement that was filed and awarded without my knowledge, receipt of papers being served to me ( which never happened ) I was in the military during the time. Through the SCRA I was a protected military member from this. I was not aware of the debt or a judgement filed and awarded without my knowledge. I reached out to the company that's handling the debt now ( not the original debtor ) to remove or provide any evidence and only thing provided was a screenshot of the virginia court system judgement. Further emails saying I had XXXX arguments and XXXX rights and I am not entitled to dispute or get anything from them. Then they stated that they would be filling with the sheriff office to begin execution. I need help on this matter as I have been completely transparent with them in getting the information I asked for. This was a supposed debt from XXXX and has been transferred to different companies to claim.
Product: Mortgage

We have recieved several letters in the mail about our home being sold at foclusure auction. We have now received a letter of unlawful detainer from the court and an eviction notice. We have been trying for serveral months to get a loan modification but to no avail. We have also tried to make numerous payments and each time were told that more money was needed than we had available. My wife suffered a serious accident at work and has been on teporary  XXXX  and the mortgage company was also told that. We are trying to clear this up and find a resolution so that we dont have to leave our home. Please help us we are stressing out about this and have tried to call the mortgage company which told us they would call us back by  XX/XX/XXXX  and we have not heard anything back from them yet. Thank You   XXXX   &   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, On XX/XX/2023, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Product: Credit card or prepaid card

XXXX XXXX XXXX was sold to Marcus. I called, and paid the amount in full and instructed them to close the account. They did not close the account and charged a {$2.00} fee. On XX/XX/XXXX they charged another XXXX fee and reported me 60 days late impacting my credit. After a card has been closed, they have no right to arbitrarily keep the account open and keep charging fees for no purpose. XXXX XXXX XXXX, Marcus by Goldman Sachs is scamming card holders.
Product: Vehicle loan or lease

Credit acceptance corporation sold me a car with XXXX XXXX miles on it for an absurd price, because I was ignorant about vehicles in general I signed the papers because I was told that after 6 months that I would be able to get refinanced on the loan, after the 6 months I was told that I would not possibly be able to refinance the loan or turn the vehicle in and that I was basically stuck with the payments.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Transfer actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal consumer complaint against the Department of Education and related entities regarding false and deceptive practices on my credit report or consumer report. I believe these actions have unjustly impacted my financial standing and creditworthiness. 

I have recently reviewed my credit report and discovered several alleged debts that I am confident I do not owe. These accounts, which are purportedly associated with student loans, are inaccurately reported on my credit report. The false information has significantly affected my credit score and, consequently, my ability to secure loans and access financial opportunities. 

Key issues of concern in this complaint include : 1. Inaccurate Reporting : The accounts in question are not valid debts owed by me. I have diligently kept records of my student loan payments, and these discrepancies are unjustified. 
2. Damaging Credit Impact : The inclusion of these false debts on my credit report has had a detrimental effect on my credit score, making it difficult for me to obtain favorable terms on loans, credit cards, and other financial products. 

Furthermore, I wish to assert my rights under 15 USC 1681 regarding permissible purpose. It is my understanding that consumer reports may only be provided to parties with a permissible purpose under the law. I question whether the Department of Education and related entities had a permissible purpose for providing inaccurate and damaging information to credit reporting agencies. 

I kindly request that the Department of Education promptly investigate this matter, correct the inaccuracies on my credit report, and take appropriate actions to rectify the damage done to my creditworthiness. I believe in the importance of accurate and fair reporting, and I trust that the relevant authorities will ensure this is upheld. 

Please find enclosed copies of supporting documents, including evidence of my loan payments and any relevant correspondence. I am more than willing to cooperate fully with your investigation and provide any additional information that may be required. 

I look forward to a timely resolution to this matter and request that you keep me informed of the progress of your investigation. 

Thank you for your attention to this serious issue. I anticipate your prompt action in rectifying these false and damaging entries on my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

We recently received a debt collection NOTICE from Helvey & Associates XXXX inc in the amount of {$630.00} we've made several phone calls as instructed on the letter and it says the mail box is full, We do not have a contract with this company, We do not wish to do business with this company and We have never signed any agreement or contract with this company. This company is committing Fraud, postal fraud, securities fraud, mail fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open : XX/XX/2019 Amount : {$730.00} accordance with the Fair Credit Reporting act XXXX XXXX  account # 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
Product: Credit card or prepaid card

On XX/XX/XXXX of this year I received a letter from Capital One informing me that my Venture One credit card account was to be closed. The reason cited was lack of use of the card. Prior to this I had received no notification from Capital One that my lack of use of the card was a problem and that they were contemplating closing the account. The letter I got in XXXX said that my account was now 'suspended ', and effective immediately i would no longer be able to use that card in any way. It went on to advise me the card would be formally 'closed ' in XXXX. The miles/points i had accrued on the card were sizable. However, the primary way to redeem the miles/points was to use the card for travel related purchases and then the miles would be used to pay off those purchases. The problem is that as they had suspended that card without any notice i actually couldn't redeem the miles/points in the normal and most advantageous way. Capital One told me in the letter that I could redeem my points/miles via a secondary mechanism by trading them in for 'gift cards '. The problem with that is that the value of the points/miles is effectively halved by cashing them in this way vs. purchasing travel related items on the credit card. I have called Capital One numerous times asking them to un-suspend the card for a small period of time ( 24 hours ) so i can make travel related spend and redeem the points/miles for full value. Capital One absolutely refuse to do this. So, in essence they are taking away from me half the value of the points/miles i have earned through years of spending on their card. I need your help to get this resolved amiable and fairly.
Product: Vehicle loan or lease

Loan is # XXXX I drove into the dealership with my XXXX XXXX in immaculate working condition. The interior needed a little TLC however, there were no mechanical issues. I was shown a XXXX XXXX XXXX listing price $ XXXXShortly after, the gentleman who showed me the car sat me down with the finance guy. 
Who stated after taxes and interest the price will be {$24000.00} I told him I will NOT be able to afford it. 
He stated after trading in your XXXX XXXX the price will go down. There were blank spaces on the contact, which I was told NOT to worry about, because it will be filled in later. 
After trading in my XXXX the price actually went up to appx {$32000.00}. 
The guy said dont worry when we trade in your XXXX the price will go down ( he reiterated XXXX. He continued to say In addition, youre paying it over a period of time so your payments wont be that much ... After being manipulated, I fell for the deal ; and was badly taken advantage of. 

I spoke with my childrens father and he told me I have been robbed, and to take the XXXX back, and ask for my car. 
I took the car back and requested out of the deal, and ask him to please return my XXXX. He replied, its gone!? 
Mind you only 3days went by. 

Moreover, the luxury features promised to me were not working i.e. the XXXX Cue and the memory seat button.. on XX/XX/XXXX I learned through one of Santander/Chrysler Capital manager, mister XXXX  that im included in the $ XXXX Multi state class action settlement. 

So far I have paid out Approximately {$7000.00} ... Moreover, My XXXX XXXX valued at {$8200.00} at the time. However, I was supposed to be giving a {$3500.00} trade in value instead, which was never placed towards my financing. Nor, did I receive cash or check in said amount. 
Now, there is a current loan balance of approximately, {$17000.00} which totals up to approximately {$32000.00}. After adding up my trade in, and all the monies I paid out plus my XXXX. 
Numbers DO NOT LIE! 

In addition, many other representatives at Santander/Chrysler Capital as well as XXXX XXXX ; have ALSO Confirmed on a recorded conversation that I am included in the {$550.00} million settlement. I am a victim of predatory lending, and Santander Chrysler Capital continues to victimize me. Settlement link below.. 

Www.santandermultistateagsettlement.com Santander/Chrysler Capital are going against a court order as my loan was settled through litigations.
Product: Credit card or prepaid card

On XX/XX/XXXX I called to cancel my BJ Mastercard. I did not use the card and I decided not to renew the membership. On XX/XX/XXXX I received the monthly bill showing that the membership was canceled but a fee of {$29.00}. was added for nonpayment. This fee was added on XX/XX/XXXX making this charge locked in. On XX/XX/XXXX when the statement came the {$29.00}. remains and {$31.00}. is added for a total of {$60.00}. I called to refute these charges. The statement does reflect that the membership and card are canceled but late fees and charges will continue to be added. 
I called customer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX