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

I had XXXX American Express credit cards : American Express XXXX {$690.00} annual fee American Express XXXX {$250.00} annual fee American Express XXXX XXXX {$95.00} annual fee American Express XXXX XXXX {$0.00} annual fee American Express XXXX XXXX {$95.00} annual fee American Express XXXX XXXX {$95.00} annual fee I received notice last month that all of my card accounts were cancelled. I have paid significant amounts in annual fees, and they've let me know that none of my annual fee fees ( not even prorated ) can be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, XXXX XXXX XXXX Account name : XXXX  XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Citimortgage is being unfair in evaluating us on a loan modification. They are making it very difficult for us to keep our home and suggesting that we do a short sale when that is not what we wish to do. We were offered a loan modification back in XXXX of XXXX. We were told by XXXX that we may qualify for some government programs that was put into place by President Obama. When the paper work was submitted by XXXX it was declined and we could not understand this decision since we were offered a modification through Citimortgage back in XXXX. We have been passed around to three different representatives since our process began back in XXXX XXXX and each representative does not fully read our entire case file. I believe this leads to poor judgements and decisions on our behalf. 
I have attached a file with extensive details and facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a mortgage through XXXX. Long story short... I went through a very tumultuous divorce from my ex. I suggested to the judge to award him the home and he was to have it refinanced. I moved out of the house in XXXX. I have HARD, SOLID proof that the FIRST date of delinquency on this loan was in XXXX of XXXX, yet after having disputed this with Equifax and XXXX - NUMEROUS times ; I have yet to get a clear, concise resolution as to why they are still listing the first date of delinquency as XX/XX/XXXX. I was unaware of anything that had taken place on this loan because I had moved out and had no communication with my ex. My professional career is contingent on my credit history. I can not understand how I have proof of the first delinquency date, THAT I SENT TO THEM, and yet it still shows on my Equifax credit report. Equifax is the only bureau still reporting this and XXXX is not helping - in the aspect of accepting my HARD proof as evidence that the information is absolutely incorrect. I've written both companies and to no avail had any progression. I want the CFPB to investigate it. It is causing me financial and personal stress. I just want XXXX & Equifax to be responsible enough to admit that the information they're reporting is in fact INCORRECT & AN UNFAIR PRACTICE and to FIX IT!
Product: Debt collection

Transworld calls me at both of my phone 2 to 3 times per day to threaten me about debts that both Transworld AND the original owner of the debt know was obtained through fraud. Neither the original creditor nor Transworld have been able to provide documentation for the debt that would stand up in court -- entries on a spreadsheet are not proof of a debt. Nevertheless Transworld routinely threatens legal action and habitually violates the FDPCA and FCRA.
Product: Debt collection

There is an unknown collection listed I do not feel this belongs to me and disputed with no outcome or verification. Please help
Product: Mortgage

I was activated with the XXXX XXXX XXXX in XX/XX/XXXX for XXXX pandemic. When I completed my service, I needed to update my disability rating with the county tax board. While I awaited confirmation from the county, XXXX XXXX paid the taxes that were eventually exempted. XXXX added the tax amount to my account and an escrow that increased my payments, even thought the county exempted my taxes. Since XX/XX/XXXX, XXXX has added multiple fees and overcharges to my account totaling over {$13000.00}, issued multiple negative reports to my credit and have since issued a notice of foreclosure to my residence. I obtained legal representation to help with the issue. After my lawyer advised me to settle with the company, the only mitigation offered was a loan modification with terms I did not agree with. I have offered to have the loan reinstated and asking to pay off the amount of mortgage owed less the fees. The mortgage company representative has refused to work with me in any way and will not allow me to speak to another person from the company.
Product: Credit card or prepaid card

Because of the CodVid19. I've decided to cancel all my vacations plan until things get better. I've booked most of my vacation with American Express Travel. I booked airfare and 3 hotels. The airfare they provided me with future credit and I'm okay with that. However, the XXXX hotels I've booked which equal a total of {$1100.00} were cancel and American Express Travel sent an email that it will take 45 days to get a refund but back into my American Express Platinum. I currently have a {$700.00} balance on my American Express Platinum, which is technically slightly past due, because I was going to use the money from the cancellation toward the due amount. I've spoke to both American Express Platinum and American Express Travel. Platinum say I have to take it up with the Travel Department ; The Travel Department says to take it up with the credit card. I ended up speaking with the The Travel Department supervisor and she said that because the cancellation was initiated there was nothing they can do in their end and because of the CodVid19, what normally takes 7 days to process now takes 45 days to process. Platinum says they can't see the cancellation, and would have to wait the up to the 45 days to see it. I requested to speak to the supervisor 's supervisor. She said that person will take 7-10 business days to return a phone call to me. However, Platinum was able to waive the late fee and they said that while they understand my frustration, American Express Travel is a separate company and can not control what they do. 

My concern now is that in 45 days my account will generate another billing cycle and I will charge another late fee and possibly damage my credit. While there is a past due amount, the cancellations is over the amount that is due and I am owed the amount of {$480.00}. ( IE : {$1100.00} of cancellation - {$700.00} of past due = {$480.00} ). It's took a few seconds to charge my account when I booked this trip ; why is it taking 45 days for me to get my money back? Why isn't American Express Platinum working together with American Express Travel to make this process faster?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been dealing with a troublesome account that is misleading and false, as it incorrectly indicates that the account is in foreclosure while it was actually paid in full. After disputing this with you countless times, you failed to perform a reasonable and complete investigation, causing me severe distress and actual damages as a result of being rejected numerous things for which I should have been approved. This XXXX XXXX XXXX account with an account number of XXXX on equifax and account number of XXXX XXXX is destructive to my health and I need CFPB to enforce the fairness and proper reporting of this account on my credit report. I have proof that i will attach showing the account paid off and in good standing.
Product: Debt collection

A debt in the amount of {$170.00} has been placed on my credit report by collection agency of Caine and Weiner ( on behalf of XXXX XXXX ).
This debt has been settled/satisfied and closed by XXXX XXXX as of XXXX/XXXX/2017.
This debt has been removed THREE times over the past five months, but continues to resurface on my credit report!
This matter has made me feel frustrated and helpless in my efforts to repair my credit report. Each time the debt resurfaces onto my report, my credit score is affected. My credit score has been going up and down like a Yo-Yo, jumping from XXXX to XXXX, due to this debt.
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PLEASE HELP!
Product: Money transfer, virtual currency, or money service

Not seeing the cards all ready authorized and token to be used not seeing NON OF THEM. AGENTS ARE RUDE OF NON ASSISTANCE ASKED TO SPEAK TO A SUPERVISOR THEY THEY ONLY ANSWER BY EMAIL
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

PORTFOLIO RECOV ASSOC position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting

Experian has been emailed but I have not yet received a response. My story is below. 
-- -- -- -- I was denied a mortgage loan due to my FICA score being too low. In an effort to see what could be fixed on my credit report I ran into no end of hassle and frustration, constantly plagued by advertisements and upsells - all to get information that is specific to me and no one else. XXXX, XXXX would n't even tell me how much money they were going to charge me to see my scores - I purchased it through a different agency. 
So we start with the ol ' " let 's pull our Free Yearly Reports '', only to discover that the free report is fine and dandy - but it does n't include your credit score. To see the actual number that is used to judge your fiscal morality, you got ta pay more money. 
So I do. I XXXX it up and I pay. And then I pay even more so that I can see all XXXX reports and all XXXX scores. 
XXXX! Experian screams from my screen - if what you want is a MORTGAGE, that 's a completely different number - and we get to charge you for that XXXX too! 
So I pay again. I again go through the process of removing myself from all of the spam and upsells. I stop the " free trial that we 'll surreptitiously charge you $ XXXX for as soon as you forget that you came here ''. 
24 hours later I received an email from Experian - explaining that they can send me email if they think it 's important to my account. The content of the email? XXXX more offers to take my money to correct a number that I have to pay to have access to. 
Lastly, on digging around to try to find out why my XXXX score is so low ( a full XXXX points below my actual credit score - which becomes a barrier at this point ) it turns out that my XXXX score is provided by yet another company collecting my information without my knowledge, using yet another mysterious formula that is supposed to psychically predict whether or not I 'll have problems in the future ( you know - the same thing that the other XXXX credit scores are supposed to track ). 

The system is rigged. We are all unwilling participants in a game where the rules are secret and can be changed at a whim by people that obsessively grub for money from those of us that have the least amount of it.
Product: Money transfer, virtual currency, or money service

I am filling 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 Registration E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I am a retired Veteran who is 100 % Permanently and Totally XXXX. My mortgage has been sold on XXXX occasions and landed with FREEDOM MORTGAGE currently. 

Since XXXX of 2021, XXXX has been attempting to escrow for property taxes that I am exempted from paying in the state of Florida. I have sent them on several occasions, the documentation that reflects my exemption, however, they have repeatedly ignored the exemption and continue to add to the escrow amount for taxes. 
Freedom Mortgage fails miserably in serving Veterans and takes advantage of their muddled and delayed processes to get resolution on such matters. They have attempted to change the parameters of the original loan and are in violation of federal laws that are designed to protect Veterans against such surreptitious lenders
Product: Credit card

From yesterday, XX/XX/XXXX of XXXX, XXXX, I received 4 emails from XXXX. The features of the offering of them are following ; XXXX. XXXX ( XXXX ) -- XXXX credit limit card XXXX. XXXX ( XXXX ) -- Digital Checking Account opening and a purchase of {$25.00}, and {$1000.00} win offer XXXX. XXXX ( XXXX ) -- Offering of a right loan XXXX. XXXX ( XXXX ) -- Credit card 0 % intro APR
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have 3 credit cards that were opened up by someone else then me see letter of explanation
Product: Credit reporting or other personal consumer reports

After mailing Equifax a dispute letter asking them to investigate accounts and information that's being reporting inaccurately and unlawfully, they have yet to respond to me with any updates about an investigation nor did they fix any of the errors. I am aware that it is their duty to be compliant with the laws that they agreed to in which they failed to do what's fair and equitable for me as a consumer. The information listed in my dispute letter can not legally be verified inn where there is no signed contracts, agreements, or receipts between me and the creditors reporting the alleged debt. How can they report any account if by law there must be proper verification? How can I owe a debt without a proper agreement or contract set in place? By them reporting these accounts without my consent to share my personal information, there creditors listed in my dispute is in violation of violation my right of privacy. I mailed them a letter asking them to cease all communications with me in which they are legally supposed to stop contacting me which means stop reporting this account through any medium. Violations committed by Equifax and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Product: Credit reporting or other personal consumer reports

On my Experian and XXXX has incorrect accounts and addresses on my credit reports that I have never been affiliated with
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act Account name XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

15 USC 1681b - Permissible purposes of consumer reports, XXXX XXXX XXXX XXXX never gave Equifax written consent to report anything on my consumer report, No Consent is IDENTITY THEFT. Please remove this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; 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 XXXXXX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$450.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXXXX XXXX XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

on or around XX/XX/XXXX my taxes were due for XXXX county in the state of georgia i went to my local post office near my work and place my taxes payment written on my checking account with chase bank i actually went inside of the post office making sure i did not leave it in a mailbox on aroung the XXXX of XX/XX/XXXX i recieved a notice saying XXXX county never recieved my taxes payment eventhou i had checked to verify my check had been cashed after gettin a copy of the check i had sent form chase bank we realized the check had been cashed thru an account with XXXX XXXX i filed a fraud claim closed the acoount but have been told by my bank chase that they must recieve the funds from XXXX eventhou the check was made out to XXXX county tax comissoners i have called several times and only to be told they are waitng for XXXX XXXX XXXX to respond this has been goin on since XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) Section : States a person shall not furnish any information relating to a consumer to any reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1300.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$520.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX