23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Called American express because I received a card in the mail ( old address, parents house ) with my maiden name. The card was active and the letter had an account number on it. I called and canceled the card and requested to speak with someone to report it because I did not open the account and I did not apply for the card. They told me there were no notes on an application being opened by me and I asked them why they would approve me then. I was transferred and then told an online application was submitted XX/XX/XXXX. It concerns me that originally there was no application and when I pushed further suddenly there was. I was told the card was cancelled on XX/XX/XXXX but called back on XX/XX/XXXX and was told they just escalated the situation and cancelled the card, so I was lied to. I was told on XX/XX/23 they would send me an email stating I did not open this account and that an investigation was being opened. I called back on XX/XX/23 and was told they don't send emails confirming that. I keep being told different information from American express and they have not been helpful in figuring this out. This is their responsibility, they are the ones who approved me for a credit card with a {$20000.00} limit and sent me an active card in the mail. They didn't verify the application when my legal name and current address wasn't even used. I also called XXXX who never received any notice of my SSN being used or taken. All of this makes me strongly believe that someone in American express is the one who illegally opened this account under my name and sent me an unsolicited credit card. I have attached a documentation stating everything I have done since yesterday when finding out about this credit card and have stated every interaction I have had with American Express. If they are not the ones who illegally opened this account under my name, they are still being negligent in this process and are making it very difficult for me as the consumer to ensure I have all the evidence I need to protect myself.
Product: Mortgage

I have been trying to remove XXXX from my payments, since my home value has increased way over the amount to meet the XXXX requirements. I was in the middle of this process with a previous lender ( XXXX ) but during that, my loan moved to another company ( Freedom Mortgage ). 

I have provided the current, official tax apraisal that was done recently by XXXX XXXX which increased the valeu of the home from XXXX to XXXX. 

Now, they are coming back talking about seasoning of my current loan, that I need to wait, this was their reply : Please note, your request to remove your XXXX has been denied due to your loan not meeting the XXXX seasoning and XXXX XXXX XXXXXXXX. You may pay {$16000.00} to meet the XXXX XXXX requirement to remove your XXXX. Please see an attached copy of your XXXX XXXXXXXX Notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the wrong creditor for the item XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint previously reported XX/XX/XXXX. One case closed, first case still open. Contacted LexisNexis beginning in XXXX - XX/XX/XXXX in regards to reporting information to XXXX, XXXX, and XXXX regarding a XXXX XXXX XXXX LexisNexis kept stating it validated the information it received from XXXX, but could not verify that I gave any written consent for any information to be reported to the credit bureaus. I submitted another request and the company reopened the investigation. I received a letter dated XX/XX/XXXX, XXXX number XXXX ( XXXX ), stating the results of the investigation stating LexisNexis reviewed information from its Bankruptcy Records and determined the data being reported as unverifiable. The information has been removed for its files an researching with XXXX XXXX XXXX in XXXX XXXX, XXXX Docs providing identification submitted.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 

The obligation between your company XXXX XXXX XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )
Product: Credit card

My mom, XXXX XXXX, manages my finances while I am in XXXX XXXX. She is a user on my credit cards and makes all payments. I asked her to dispute a {$5.00} printing charge made on XX/XX/year> ( the printer was broken ). She tried to do it and Venture employee " XXXX, XXXX, XXXX '' would not allow it, refused to allow my mom to speak to a supervisor, and told her she needed to be the designated " account manager '' not a user. When my mom asked how I could make her a manager, XXXX refused to answer and hung up on mom, when she continued to ask. She was rude and unhelpful. I found a link in my account to make my mom the account manager ( it gave two choices -- user or manager -- I choose manager ), and attempted to make my mom manager but the system said she was already a user so I could not make her manager. I tried several times and gave up. I need : # XXXX help disputing the {$5.00} printing charge and # XXXX help making my mom the account manager, not just a user. If I have to choose only one ( user or manager ) I will choose manager.My mom doesn't use her account anyway. Please help.Thanks. XXXX
Product: Vehicle loan or lease

I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXX XXXX XXXX opened XXXX XXXX amount {$8400.00} but the federal law states the social security number belongs to the XXXX and anything purchased with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction title 31 USC sec 3123 all debts are United States Obligations and there is plenty more laws made by Congress that protect me as the consumer 42 USC 408 states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a crime.12 USC 1431 banks cant loan money because theyre the borrowers. UUC 3-104 tell us how to use a negotiable instrument,31 USC 5118. 1681 2a they arent supposed to report transactions 15 USC 1602 I am the original creditor. 15 USC 1605 finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into 15 USC 1635, 15 USC 1662,12CFR s 202,15 USC 1602g USC 8, 12 USC 95a , 18 USC 894 is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of Title 18, XXXX XXXX of the U.S. Code, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since 1933 knowingly and willingly deceives the American people for financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am refilling this complaint is for TRANSUNION. I sent them communication letters several times regarding the inaccuracies in my report due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Checking or savings account

I recieved a transfer of funds from someone for purchase of computer and the funds were fraudulent they froze my account and stated that freeze would be removed when investigation was complete so I was later told needed to close account and open another because funds had been released and now someone different was trying to withdraw funds so money was mine and could get it and deposit it in new acct. went ti bank where branch manager phoned fraud department who stated same thing that funds were mine and 8 could withdraw them and deposit some in new account, which I did and a few days later was told that funds were returned to person claiming that he dud not make deposit and now they claim I am responsible for those funds I don't belive I am responsible for any funds due to fact manager was told same thing that funds were mine to do with as I pleased and that someone not me was trying to withdraw funds and with proper ID could release funds to me and open new acct. with those funds or withdraw them
Product: Debt collection

Noticed collection debt on my report, never received information therefore did not know I could dispute. On XX/XX/XXXX I sent a letter to the collection agency asking for validity of debt. I have documentation that they received the request on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. However ; they did not provide all of the requested information needed to validate. i provided a list below of the requested information for which they did not provide ... 
- state license number -contract from original creditor -no payment history -no statue of limitations debt owed for my state -no proof they have the right to collect in my state -no contract between them and original creditor I responded on XX/XX/XXXX stating the above for which I have documentation that they received on XX/XX/XXXX. The Agency has not complied as of this date and they have advised the credit bureau to have it remain as per my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Covington Credit is reporting an alleged debt that they sold to a collection agency.
Product: Credit reporting

The address XXXX XXXX XXXX XXXX, XXXX PA, XXXX appears on my credit report under addresses. I have never lived at this residence which raises the concern of identity theft. I would like this address removed from my credit reports as it is untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reporting all of my good revolving lines of credit. These items should appear on my credit report and they are not showing on Experian. This is the reason why my Experian score is 100 points less than both XXXX  and XXXX. Experian is reporting 4 lines of credit when I have 7 revolving lines of credit. See the attachment for what Experian is missing. This also impacts lenders seeing me as a thin file with Experian as they are only reporting 4 lines of credit. A thin file is less than 5, I have 7 lines of credit open.
Product: Student loan

I have been consistently encouraged to put my loans in forbearance since 2012 when i first returned to XXXX College and then XXXX University XXXX to school, despite the fact that i am currently low income and have been for several years. I was never offered the opportunity to base my repayment amount on my income level, or informed that there were options available that would limit or eliminate the amount of interest accrued on my loans over time. I was also never offered the option of consolidating my loans. The push was consistently toward forbearance and interest accruing repayment plans.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company is trying to pull my equifax report, and can not. I have called 6 times to equifax and spoken to 6 different people. I have used the live chat at equifax 3 times and no one there helps either. My mortgage company has the exact information that is on my copy of my equifax report. They can pull from the other 2 bureaus. Equifax will not help me. They tell me they will call, but no one ever calls.
Product: Credit reporting or other personal consumer reports

First and foremost, I want to emphasize that my right to privacy is of the utmost importance. I am asserting this right with this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you have a responsibility to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am invoking this right under the law and expect that all the information provided is treated with the highest degree of fairness, impartiality, and respect for my privacy.

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized the following companies to access my information. Their actions are in clear violation of this statute. I am requesting the removal of the following account ( s ) from my credit report, as they are negatively impacting my reputation, character, creditworthiness, credit standing, and credit capacity. Enclosed with this letter is an official FTC report filed under penalty of perjury, further substantiating my claim. 

Given your legal obligation to protect my privacy, I request that this matter be handled with the utmost urgency. 

XXXX XXXX XXXX
Product: Debt collection

I have a bill from XXXX and XXXX specialists XXXX started at {$800.00} I paid payments on time every month. The balance now is {$140.00}. I received a letter from hillcrest credit agency on XX/XX/XXXX17 stating that my account was turned over to them for XXXX. I have until XX/XX/XXXX17 to pay all of the amount or they will turn this over to the credit bureau thus harming my credit. I called the XXXX specialists and spoke with a manager that told me that the billing manager was out her name is XXXX. This manager told me that XXXX had sent not only my account but other customers bills as well on accident and that my credit would not be harmed due to their error. I spoke with hillcrest credit agency they did not confirm this information and stated that it would be turned in as of XX/XX/XXXX17. 

XXXX specialists XXXX XXXX and XXXX hillcrest credit agency XXXX and XXXX
Product: Credit reporting

Am a victim of identity theft which took place in 2011. During the incident my identity was used without my knowledge to multiple fraudulent accounts XXXX of them with XXXX. I subsequently filed complain with the creditor and also with the police disowning the credit purchases. In turn the creditor ( XXXX XXXX ) had sent to account to collection company ( XXXX ) whom I reached out to settle this matter. Upon my complain with XXXX XXXX asset i was instructed to provide copy of police report to settle this account which i subsequently provided and the account was removed from collection and marked as settled. 
Lately, i have been receiving harassing collection calls from XXXX who have gone ahead and reopened the account for collection despite sending me letter as proof of settlement confirmation ( see attached ). Recently I faxed the settlement letter to XXXX to take action, but so far action has been taken. 
I would like to put and an end to this ongoing harassment from XXXX XXXX XXXX. And also have them remove/delete the {$750.00} debt from my credit report which is currently showing as delinquent and hurting my credit rating. 

Any assistance accorded from you would greatly be appreciated. Please find the attached filed police report in reference to the account and also settlement letter sent by portfolio as settlemement proof for no further collection action.
Product: Checking or savings account

On XXXX XXXXXX/XX/year>, XXXX XXXX Cash App Support XXXX wrote : Hi We have determined that you are not eligible to appeal your account closure. This is because you violated our Terms of Service. As such, your account will remain closed. As a reminder, this means you can no longer use your account or its features but you can withdraw your money. You can also sell any stocks or XXXX  you XXXX have. 

There are no further details to provide and no further action can be taken. 

To withdraw any remaining funds : XXXX. Tap the Banking tab on your Cash App home screen XXXX. Tap XXXX XXXX XXXX. Select an amount and deposit length XXXX. Confirm with your PIN or Touch ID Your remaining funds will be available within XXXX business days. If you selected XXXX XXXX XXXX, they are already available. 

If you hold XXXX in your account and wish to sell it, follow the steps here in Selling XXXX. 

To withdraw XXXX : XXXX. Tap the Investing tab on your Cash App home screen 2. Select XXXX XXXX. Select the XXXX XXXX ( Next to Sell ) and tap Send XXXX XXXX. Enter the amount of XXXX you want to withdraw ( you can toggle between XXXX or USD ) XXXX. Either tap the top left corner of the screen to access the XXXX code scanner or tap Send to enter the external wallet address manually XXXX. Tap wallet address to confirm XXXX. Tap XXXX XXXX. Tap Confirm or Done For more help, visit our Cash App Help Center at XXXXXXXX XXXX XXXX or contact Support directly through your app. 

If you hold stocks in your Cash App Investing account and wish to sell or transfer them, visit our Help Center for information on Selling Stock and Transferring Shares. 

Selling shares and XXXX may have tax implications. If you have questions about your particular tax situation you should consult a tax advisor. Cash App Investing does not provide investment advice or recommendations. Investing involves risk and you may lose money. XXXX the XXXX XXXX for more on the risks involved with investing. XXXX services provided by Cash App XXXX XXXX, member XXXX and XXXX subsidiary of Square , Inc XXXX 

Cash App Account Services ref :! XXXX.! XXXX : ref
Product: Money transfer, virtual currency, or money service

Hi, I transferred t {$500.00} to my mother in XXXX, but after 20 days, her bank has not yet been able to locate the transaction. 
I attempted to contact Remitly via phone, chat and email relentlessly for over 10 days and was never able to receive a response. 
Please help me in getting this company to investigate why this transaction never reached the destination account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of the account referenced below from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) : - **Account Name : [ CAPITAL ONE ] ** Account Number : [ XXXX ] The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : XXXX. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes. 
XXXX. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA. 
Given these violations, I am requesting that [ CAPITAL ONE ] immediately cease reporting the inaccurate information and delete the account from my credit report. Please send me a written confirmation of the deletion within 30 days of receiving this letter. 
I am writing to formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ). 
This is my second attempt which you have ignored my first request sent on XX/XX/24. I sent a request stating that there are inaccuracies and I wanted those addressed. 
**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud. 
**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements. 
**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Product: Credit card

Amazon has a private label credit card called Amazon Rewards. If you are an Amazon Prime customer, when you make a purchase you offered {$1.00} in credit if you accept normal shipping rather than Prime Shipping ( two-day ). But, Amazon does not offer its customers an easy way to figure out how much credit they have accumulated and when these credits expire. As far as I can tell, the only information about credits presented to customers takes place through email. Amazon should provide an easy accounting of credits on its website.
Product: Credit card

I tried to get a Lowes credit card and was approved for a credit limit of {$800.00} and they ran my credit score again and closed my account and I dont believe thats right for them to run my credit score twice.