23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I have had a perfect credit record my whole life and have never missed a payment. Capital One turned off my credit card 's auto pay without notifying me earlier this year and has caused my credit score to drop over 100 points. It appears they posted 3 derogatory marks on my credit profile and only removed 1 of them from my previous complaint. My Capital One credit card balance was only {$50.00} during all of this headache, which I paid off immediately as soon as I found out my auto-pay had been disabled. I even paid the late fees. I constantly pay off my cards in full every month ( {$1500.00} - {$3000.00} a month ), which you can see from my credit profile. It makes no logical sense that I would miss a {$50.00} payment and destroy my credit score. Can you please remove all of the derogatory Capital One marks from my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

So i sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that i dont want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my Federally Protected Consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was behind and I tried to make a payment plan with a debt consolidation company IN XXXX OR XXXX. Capital one REFUSED THIS OFFER and XX/XX/XXXX FIVE YEARS AGO my account was CHARGED OFF. This is still on my credit report and is causing me a lot of issues. With Capital One REFUSING TO HELP ME PAY MY DEBT this needs to be removed immediately since it is over 5 YEARS OLD. TAKE THIS OFF OF MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called XXXX XXXX appeared on my credit report recently. You can never get a hold of anyone one. their voicemail is always full. When I researched the company online, it states their a fraud, and that they try to collect on accounts they do n't have the right to, and that they never credit funds to account, etc. when I researched, this was for an old account with a security company over 4 years ago, which was taken care of, they picked up their equipment. Now recently some new company XXXX XXXX is trying to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank is reporting a fraudulent account on my credit report. I have disputed this account with all 3 credit bureaus but XXXX  will not remove this account. Both XXXX and XXXX  has removed this account after disputing.
Product: Debt collection

The vehicle was returned to the car lot after only having it for 2 days. The dealership did not want to fix issues on the car after they agreed to have it removed. They listed the vehicle as a reposession.
Product: Money transfer, virtual currency, or money service

Oh XX/XX/2018 I was the victim of 2 scam artists using the Cash App system. 
authorization code : XXXX transaction ID number is : XXXX I later complained multiple times requesting a refund which they have refused. I was told the scam artists account was closed, but then to test this i sent them {$1.00} on XX/XX/XXXX and it went right through. 

So I was lied to that their account was closed and they were kicked from the system. 

thank you XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 my debit card was unauthorized to be used at a Bank of America atm on my savings account in the amount of {$2000.00}. I did not immediately know my card was used until I went inside the bank the morning of the XXXX to get a cashiers check to pay bills and could not locate my debit card as the teller inside the branch requested me to put it into the terminal to pull up my account. I went to look inside my purse and noticed it was gone but though because I was in a rush to get it done before closing that I may have overlooked it when looking. I proceeded to ask the teller rep if I can pull up my account using my photo ID the proceeded with the account verification. I then went on to deposit {$3500.00} into my checking account to print a cashiers check. When I left the bank I went to move more money to get a money order made out to make another payment and noticed my savings account had about {$43.00} left in it. So I proceeded to contact Bank of America and was provided with information that my debit card was used for an atm withdrawal from my savings account in the amount of {$2000.00}. I immediately opened up a fraud claim, i also requested camera footage or a photo of whom used my debit card to file a police report. I have been calling everyday the bank was opened to get status checks or to see when I would be receiving my money back and they could not tell me anything other than it would be a decision made by XX/XX/XXXX. On today I woke up to a notification that my claim was completed so I reach out to Bank of America by phone to have it further explained what it meant. I was told my claim was denied because who ever used my debit card knew my pin and there werent any failed attempts for the pin. I feel my rights were denied to me because if a through investigation was completed it would prove I am not the one who took these funds out my atm and I did not give anyone permission to authorize this transaction. Furthermore, as a consumer my rights were violated and because a pin was used does not prove that this transaction was authorized. I also know in my XXXX the fraud department did NOT want to reimburse my insured money back unto me because they knew by appealing the claim they have an additional XXXX calendar days to reimburse me. I have also expedited this claim XXXX different times since filing the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian charges {$19.00} for a membership for enhanced services that is almost impossible to opt out of when trying to use services on their site. When trying to cancel, it appears that the only way to do that is through an online chat which is often not available or over the phone. Although these practices are reprehensible and deceptive, the reason for my complaint is that on the phone, Experian REQUIRES providing one 's full 9 digit social security number to an automated voice prompt. 

This is so irresponsible for an institution in possession of so much of my data, I wonder even now if I've been a victim of fraud. Even on this submission form, CFPB advises us providing exactly this kind of information. 

Moreover, Experian does not provide any straightforward way to provide this type of feedback directly to the company.
Product: Credit card

To Consumer Financial Protection Bureau, I am submitting a claim related to deceptive business practices from American express regarding their membership reward program. 

On XXXX XXXX, I applied for an American Express platinum card with a sign up bonus of XXXX points after {$3000.00} in spend within 3 months. I was approved automatically. 
Since receiving this credit card, I spent a total of {$4100.00}. This include the {$450.00} annual fee for this card. I received {$200.00} in airline credit from American express as a benefit of the card, and {$25.00} for a special Amex offer for purchases made at a selected merchant. All my charges were paid on time to American Express. 

American Express posted XXXX membership reward points to my account on XXXX XXXX, as well as XXXX points for qualified spend earned for prior months. The earning rate for the qualified spend is at a rate of XXXX point per {$1.00}. On XXXX XXXX, American express reversed the sign up bonus with a debit transaction of XXXX American Express membership point. 

Upon discovery that the bonus points had disappeared, I called American express to inquire about it. XXXX, an American express customer service representative, assisted me with this matter, and upon further research, informed me that the reversal of the bonus points was due to several credit transactions that caused me to fall below the minimum spend requirements. She said this was due to the {$200.00} in airline credits I had received from American express. I argued this was not correct, and asked for a detailed explanation in writing. She said I should receive a letter from American express explaining this. I have not yet received any written communication from American express. 

I decided to further look into this myself and performed my own account reconciliation. Looking at my past transaction history, I realized that American Express 's reason for taking the bonus points was not valid, and that despite the {$220.00} in credit received year to date, I still met the {$3000.00} spending requirements. As you can see on my American Express membership points history, as of XXXX, I had earned XXXX American Express points at a rate of XXXX points per {$1.00} through regular spending, exceeding the {$3000.00} spend requirement for the bonus. None of the earned points through regular spending were credited back. 

I am requesting the help of CFPB to address this matter with American express and look for similar deceptive patterns from American Express with other customers. It is disappointing to see how this company is handling this issue. 

I am also requesting that American Express re-post the XXXX Membership points I have earned through qualified spending. 

Attachment Screen capture of application Screen capture of Membership reward account history Screen capture of account transactions for the first 90 days
Product: Credit card

Discover Bank is reporting my old account which was closed in Chapter XXXX BK as open. I am not disputing the information that they have provided. However, I am asking that they review this account a make a business decision to have the Consumer Reporting Agencies adjust the reporting from open to closed.
Product: Credit card or prepaid card

I applied for a Chase Freedom Unlimited credit card on XX/XX/XXXX and was approved the same day. A bolded feature of the card on the website was 5 % cash back on groceries for the first XXXX  months of the card, which is why I picked Chase. When I noticed that I was not receiving the advertised rate on my cash back rewards, I contacted customer service via their message portal on XX/XX/XXXX to ask when it would be applied. They requested information about the offer the next day, so I copied/pasted the offer from their website. 

Their reply on XX/XX/XXXX was that " We don't have a similar offer available for your account right now, and we can't match the one you requested.. Our credit card offers vary and change, and new ones become available on a regular basis. '' I replied to this message that it was an active offer both currently and when I signed up for the card, and I would like it explained to me how it did not apply. 
The reply I received on XX/XX/XXXX stated : " Sign-up offers are promotional. As a result, they may change or cancel. Multiple sign-up offers may be marketed for the same product in overlapping timeframes, via different communication channels. '' I did not think this was an acceptable response because the information was from their own website, so I asked how to escalate my request. Their response XX/XX/XXXX was that " your account is not eligible for the new offer you requested '' and " We responded to this request earlier. Because there is no further action required on the account, we will no longer respond to this specific inquiry. '' At no point have they acknowledged that they advertised this specific card with this offer or clarified why I was not eligible despite applying for the card under these terms. 
Here is a screenshot of the offer, taken less than XXXX  hours after my application was approved XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 i checked my credit score through my credit unions free monitoring system with transunion. The last time i checked it was on XX/XX/2019 it was XXXX. Today it has dropped to XXXX. I BORROWED THOUSANDS OF $ TO PAY OFF MY CREDIT CARD DEBTS. I HAVE NO OPEN ACCOUNTS. NOW THIS COMPANY IS PLAYING GOD TO DECIDE THAT THEY CAN COMPLETELY WIPE OUT MY EXCELLENT CREDIT & PENALIZE ME BECAUSE I AM NOT OPENING MORE DEBT. WHEN I CALLED TRANSUNION I COULD NOT EVEN UNDERSTAND THE CS AGENT. HER ACCENT PREVENTED ME FROM ASKING A SIMPLE? I WAS TRANSFERED TO A MNG WHO I STILL COULD NOT UNDERSTAND. ALL I ASKED WAS WHO HAD THE AUTHORITY TO DROP MY CREDIT SCORE, SHE SAID THE SYSTEM DECIDED SINCE I DID NOT HAVE ANY OPEN ACCTS. MY SCORE WAS LOWERED. SO ALL MY 20 YRS. OF PERFECT FAITHFUL PAYING OF THOUSANDS OF DOLLARS IN STUDENT LOANS & CREDIT CARDS MEANS  NOTHING? I WANT THIS EVIL PERPETRATED AGAINST HONES HARD WORKING AMERICAN CITIZENS STOPPED. I WAS NEVER LATE ON ONE BILL AND THIS COMPANY IS NOT GOD. THEY HAVE NO AUTHORITY TO RUIN MY CREDIT SCORE, BECAUSE I AM NOT PLAYING THEIR EVIL GAME OF DEBT. HELP ME AND EVERY OTHER HONEST AMERICAN WHO PAID OFF THEIR DEBTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The following Creditors have violated my rights : XXXX XXXX Account no. XXXX XXXX XXXX Account no. XXXX XXXX XXXX, XXXX Account no. XXXXXXXX XXXX XXXX XXXX  Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account no. xxxxxxxxxx 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 reporting, credit repair services, or other personal consumer reports

On or around  XXXX / XXXX / 17  I was reviewing my credit report and I discovered several  HIPPA ACT violations breach of third party confidentiality. I have never done business with these companies listed. I have never sig ned a contract or entered into any verbal or written contracts with the following companies   1.   XXXX   XXXX   XXXX   XXXX   XXXX   HIPPA Act violated please delete.
2  XXXX   XXXX   XXXX   XXXX   This account has never been validated please delete.
3.  XXXX   XXXX   XXXX   XXXX   HIPPA Act violation please delete.
4.  XXXX   XXXX   XXXX   XXXX   5.  XXXX   XXXX   XXXX   XXXX   XXXX   HIPPA ACT violation please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion credit report report has a collections remark on my account as of XX/XX/XXXX XXXX. This belongs to my son who has the same name as me, he is XXXX My son has indicated he uses XXXX XXXX XXXX frequently, evem a few weeks ago. They have not told him there's a balance due. 
Apparently XXXX XXXX XXXX employed XXXX XXXX to collect the debt. They sent our name to Transunion with a birth date that does not match either my sons or mine. However it had a birth year that matched mine, XXXX. Transunion must have taken this incorrect information and with it showing a birth year of XXXX  which matches mine took it upon themselves to put the collections on my report. I called both XXXX XXXX  and Transunion. XXXX XXXX was no help. However they told me they sent our name with a different birthday to Transunion. 
Transunion opened a dispute which may take 30 days. This is clearly a mistake with the collections agency and Transunion. Please help to resolve this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Student loan

I have continually had issues with my payment 's going through Ed Financial 's online system. I have repeatedly had to delete and reset my bank account info for an ACH transaction. After I reset their system accepts one or two payments and then starts sending me notices that the bank returned my payment. This happened through the entire pandemic, and is now happening again that I am in a repayment. Most recently I received the attached letter for my XXXX payment. They accepted my XXXX payment on XX/XX/ using the exact same bank info. The only solution they had for me was to call to make payments via debit card each month. Issue with that is they have long wait times and a call back can take up to 24 hours. Their system is jenky and their customer service is unhelpful. There isn't really anything the company can do to resolve this. I would have my loan paid off by now had their system functioned and accepted payments. I just want to make other consumers aware to not use them as a lending institution they will make your life cumbersome to scam you out of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Is being reported as late on XXXX but on transunion its unknown I have never been late and I want it corrected a reporting not late. I was not late paying on XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX
Product: Mortgage

On XXXX I entered into a contract to purchase my father 's house for the property at XXXX XXXX XXXX XXXX, KS Loan # XXXX. Freedom Financial ( FF ) is the reverse mortgage lender and FF was helping me to pursue a short sale. All of my siblings signed the contract as the sellers for the XXXX XXXX XXXX XXXX XXXX as FF required. My contract was scheduled to close on XXXX. FF hired an appraiser and FF and myself agreed to a {$150000.00} short sale payoff. The contacts at FF are XXXXXXXXXXXX and XXXXXXXXXXXX. FF filed a petition to foreclose on the subject property using a local attorney XXXX and XXXX XXXX XXXX XXXX of XXXX KS. On or about XXXX a very wealthy neighbor XXXX XXXX XXXX XXXX contacted XXXX, the attorney for FF. This very wealthy neighbor told my sister, XXXX XXXX, that he was able to stop my contract from closing through his contact at XXXX. XXXX told my sister he would have his friend at SandA tell FF to terminate my short sale because XXXX wanted to buy my father 's property. This powerful neighbor, XXXX XXXX is represented by XXXX XXXX XXXX as Shareholder XXXXXXXXXXXX. We continued to pursue the short sale with FF throughout the summer. A second appraisal was completed. Again, I and my family agreed to all of the terms to close with FF. XXXX XXXX, the attorney for XXXX XXXX filed an affidavit of equitable interest against the property to prevent me from closing. Today my short sale was cancelled. I feel that I am being taken advantage of by powerful lawyers and they are manipulating this lender Freedom Financial into denying my right to purchase my father 's house as the rightful heir. Can you please help me? We are scheduled to go before a XXXX Judge in XXXX. I have spent tens of thousands of dollars trying to defend my right as a consumer to purchase my dad 's house. All of my siblings want me to purchase my dad 's property. The wealthy neighbor seems to be pulling all of the strings. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX  closed my account and charged it off as bad debt for which I received a XXXX and it was filed on my tax return. Though the debt was charged off, my credit reports drill reflect the full balance. In efforts to get the situation resolved by making a payment toward the balance, XXXX XXXX  does not allow you to make a payment with them. When calling back, XXXXXXXX XXXX leaves me on hold for extended periods of time. It is illegal for XXXXXXXX XXXX  to take the full balance from me on a debt that they have already charged off and received tax benefit for. It is unfair for XXXXXXXX XXXX to let my credit continue to be negatively affected.
Product: Debt collection

While reviewing my latest credit report, I discovered unauthorized accounts that I believe were added in error. Please remove and block these accounts promptly.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2022, I applied for Unsecure line of credit for {$20000.00} but was denied an extension of credit by ALLIANT.
Product: Money transfer, virtual currency, or money service

My complaint is regarding Venmo which I belive it owned by PayPal. I opened an account with Venmo like a week ago. After I did couple of transactions with the App, I received an email from Venmo saying my account was frozen. I was asked to upload my ID for verification which I did. That was like 5 days ago, and still my account is frozen and I didn't receive any emails from them. I have a balance in my Venmo account right now of about {$520.00} which I am not able to withdraw and I am not able to use the account. 
I already contacted the csutomer support regarding this issue, I received message from support that they received my message and the ID and telling me that I should hear from them back soon. However, I didn't hear anything yet, and I need the money in the account to pay my bills and use them for my everyday expenses. 
I don't undestand why Venmo froze my account, they didn't give me any reasons and I already sent them my ID. That is really unacceptable for financial institution to hold my money and leave me in such a bad situation like that for no reason. 

Here is my Venmo account information : Name : XXXX XXXX Email : XXXX XXXX : XXXX Thanks
Product: Credit reporting or other personal consumer reports

I noticed some unfamiliar items on my credit report, which suggests that my identity XXXX have been stolen since I did not authorize these accounts. I've raised this issue before, and I'm now requesting the prompt removal of these accounts from my report. Their presence is causing me significant stress and does not accurately reflect my credit history or financial behavior. If we can not resolve this, I am prepared to pursue legal action to protect my rights and find a solution. These inaccuracies are severely hindering my ability to achieve important financial goals, such as buying a home and supporting my family. I hope we can address this issue soon.
Product: Debt collection

Hello, As of today ( XX/XX/2022 ) CAVALRY PORFOLIO SERVICc is reported a debt collection in the amount of XXXX on XXXX credit reporting agency that I owe them. 

I have contacted several times through this website and say that I never open any credit card from the originator ( XXXX ), never sing any document, never bought anything using their credit car and never know that a credit card on my name was being used by someone. Yet, they still post a debt that growing ever day and want to collect from me.