23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. A review of my credit report revealed late payment entries. I sent letters regarding this issue over 30 days ago but have received no response, nor has satisfactory validation been provided. I seek your help in addressing this situation.
Product: Checking or savings account

I was told to open an account with XXXX and I will get {$400.00} bonus. 

i opened it on XX/XX/2018, sent a check for XXXX on XX/XX/2018. 

I called every month XXXX, XXXX & XXXX. They kept telling me to wait for my {$400.00}. End of XXXX, I called again, they told me I'm not eligible and ask me to create a dispute with them. XXXX I called again to ask for the status of the dispute they told me I'm not eligible. 

The held my $ XXXX since XXXX promising me the {$400.00} bonus. If they have told me XXXX I'm not eligible I would have closed my account. 

Now I received a letter from Citibank stating they reviewed my case and because I closed my account, I'm not eligible to receive the {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft Report Attached The following inquiries listed on my TransUnion credit report are fraudulent Fraudulent TransUnion inquiries XXXX XXXX  Services XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

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: Money transfer, virtual currency, or money service

Wells Fargo did not permit me to do a wire transfer ftom abroad through the app or on their website. I called 15 times over 2 weeks and got nothing but promises and excuses. I had to fly to US in order to access my funds.
Product: Credit card

I had gotten the Apple Card which was backed by Goldman Sachs bank, upon going through financial hardship I was unable to continue to make payments in the time of the account. The balance is now {$3200.00}
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any erroneous records. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023, every month, XXXX reports to lenders that I am delinquent. This causes my credit score to decrease by XXXX points. Every month I called XXXX and asked about my account. This always tells me it is current, and some agents proceed to help me file a dispute. When the representative does not help me, I file the dispute through Experian or the Consumer Financial Protection Bureau. Now Experian will not allow me to dispute anymore. I have even paid extra money into my account. My next payment isn't due until XX/XX/2023. I added my payments so you can see I make payments before the due date. I also added the last 2 billing statements showing I have nothing past due. XXXX really needs to fix this because it is unfair for the false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting assistance the assistance in regards to a background check was performed on  XXXX   XXXX    XXXX   b y Checkr Inc. on  behalf of  XXXX   XXXX   XXXX . The background che ck by Checkr Inc. le ad to my  XXXX  driver account being placed on hold after being a  XXXX  for 10 months and being in compliance of California  Assembly Bill No.1  XXXX   XXXX   XXXX  . Checkr has be en informed that information they are providing my employer/partner with inaccurate or incorrect information and have been ask to correct the issue. Numerous emails have gone answered and my phone call has been stonewalled with basically both companies pointing the finger at each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all 3 credit bureaus about bankruptcy information show on my credit report under public record that I would like deleted and The operator told me that the information on they in seemed accurate, so I contact the bankruptcy court and they informed me that they do not report any information to the credit bureaus. So I once again disputed it but this time via certified mail and it has exceeded the response time allowed and I would like for the information to be removed from my report as it is holding me back from progressing in life
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my EXPERIAN credit report and found the following item ( s ) to be in error XXXX XXXX XXXX date- XX/XX/20XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXXdate- XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX  -date-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 -date-XXXX I received a copy of my XXXX credit report and found the following item ( s ) to be in error XXXX XXXX XXXX Date- XX/XX/2022 received a copy of my XXXX credit report and found the following item ( s ) to be in error : 1 : XXXX XXXX XXXX XXXX date-XXXX XXXX : XXXX XXXX XXXX date- XX/XX/2022 XXXX : XXXX XXXX XXXX date- XX/XX/2022 XXXX : XXXX XXXXdate- XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Remove Employer : XXXX XXXX
Product: Debt collection

I did not give authorization for the following companies to access my credit report. 
XXXX. XXXX XXXX ( spoke with someone about a year ago, and I did receive a letter stating that they will no longer try to collect debt but it will not be removed from my credit report. ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Tried to increase a HELOC amount from $ XXXX to $ XXXX to buffer our remodel and pay off some other debt, but the lender, citizens bank never got back to me until I responded with an email on ( applied in XX/XX/XXXX ) XX/XX/XXXX. I was denied. Filed another application with my husband on XX/XX/XXXX, never heard back until XXXX. So now Ive gotten a few more credit checks and had adversely affected my credit score. Were in the middle of our remodel and now living in temporary housing with our rent being XXXX a month. I begin to look for other banks hoping to find an additional XXXX to cover us. More credit checks. Which affects my score. 

At this point, weve got about {$12000.00} to finish our job. The bank then suspends the XXXX saying that were unable to pay for financial reasons. Plus they had pulled another credit report. Weve been paying our loan as required. 

Went to the bank to see if anythings could be done, but nothing. We had to submit a request form for the $ XXXX. 

We dont and can not live in our apartment until this remodel is completed. 

So were going to be homeless and have a useless $ XXXX apartment sitting there empty. 

Help us
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and I see several issues.. it's reporting open and reporting a balance. and also it's fraudulent. I am a XXXX vet that's trying to obtain credit. im not sure if they got it mixed up with my twin our info is very similar. social security is only one number different. not sure what happen. but I never received proof that this is accurate or the original contract from this company
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased 8 tickets to XXXX XXXX XXXX XXXX and a parking pass for my XXXX XXXX troop through XXXX of XXXX XXXX XXXX XXXX XXXX program. I paid {$430.00} for the tickets and pass with my XXXX Rewards Club credit card issued through Chase. Since the amusement park ended up being closed for the time the tickets were valid, through XXXX XXXX, XXXX, I was told by XXXX that I would receive a refund in full of {$430.00}. XXXX said on XXXX XXXX, XXXX, that it had issued the refund to the credit card I had used to pay. Only I had closed my credit card in XX/XX/XXXX. When I contacted Chase, they said they " were unable to locate the merchant credit '' and that my credit card account, closed just six months earlier, had been purged. They told me that if XXXX had sent a refund, it would have been returned to them within 30 days. XXXX insists it issued the refund to Chase, but Chase says it has no record of it. The merchant keeps telling me to contact Chase, Chase keeps telling me to contact the merchant. It has been an endlessly frustrating loop and the ones who have suffered most are children, XXXX XXXX who never got the amusement park trip.
Product: Credit reporting or other personal consumer reports

This follow-up complaint aims to resolve the issue of remaining items on my credit reports. Again, it was observed that previous items remained unaddressed. The following details are the items identified for removal : -- -- -- -XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX -EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I request the removal of these items in accordance with the Fair Credit Reporting Act. Should any other items not listed here exist, I ask for their prompt removal as well. According to Section 605B ( a ) of the Fair Credit Reporting Act, any data initiated without my consent, knowledge, or authority is required to be deleted within four business days, given the submission of ( 1 ) proof of my identity, ( 2 ) an FTC report copy, ( 3 ) my identification of such information, and ( 4 ) my statement disputing any transactions related to me. My latest FTC report, # XXXX, is attached for your reference.
Product: Credit reporting or other personal consumer reports

I've attached a copy of the dispute results received from Equifax. They did not contact the companies to do an investigation. The dispute results were issued within hours of me submitting them without Equifax contacting the companies for an investigation into the unauthorized reports on my credit and according to the FCRA, I'd like to have them removed immediately. They did not provide any options to submit supporting documents on the website where you submit a dispute. they are not doing their due diligent in making sure the information is correct.
Product: Debt collection

Portfolio Recovery Associates, LLC will not stop calling me even though I've requested many times that they stop calling me. I'm a XXXX Veteran currently living on SSI while I await my claim with the VA and suffer from XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX and many other illnesses. 
The last time they called was XX/XX/2018 around XXXX and the lady said her name was XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX, was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXXXXXX, and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported on my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A credit
or may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

i came apon checking my credit for accuracy and found out my personal information has been used to open car loans and other accounts of some sort without my permission i was adviced to fill out this form to bring this issue to an end
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed the following inquiries that I did not authorize : Inquiry Name : XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX  Inquiry Date : XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX I disputed a XXXX XXXX XXXX XXXX charge with American Express for XXXX. I provided several documents supporting my disputed charge. After several phone calls with the American Express dispute team, they indicated that I must wait the 90-day period. American Express has not communicated anything regarding this dispute during this entire period of time. On XX/XX/XXXX, I called American Express 's dispute team once more to follow up on the dispute in process. It was communicated to me at that time that the charge would be credited back to my account on XX/XX/XXXX. Today, XX/XX/XXXX, I called the dispute team 2 times. The first time, the individual said that, in fact, no one would have told me that it was going to be credited back to my account, and the dispute is still in process. I believe that was communicated to me on more than one occasion. The person I was speaking to said that they would listen to the recorded phone calls and then disconnect the line. I called back a second time, and the person indicated that there was no resolution date and the dispute team was still working on it. I communicated all the other information that I had been given on the previous phone calls, to which they replied, " American Express is not going to pay you the money ''. They said they would " escalate my request for information, '' something that I have asked for multiple times and have never received any communication from American Express. The person on the second phone call said there was nothing I could do and I just needed to wait an undetermined amount of time. 

The original charge from XXXX XXXX XXXX XXXX  was made on XX/XX/XXXX. American Express has closed this dipsute in the past and only re-opened it once I made a complaint with CFPB. American Express continues to move the dead line, provides no feedback or communication, and fail to solve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and equifax keep dropping my credit score, please see previous complaint, they raised score after complaint then 5 days later dropped it again 56 points, never late 18 % usage 8 accounts 6 have XXXX balance 1 had XXXX other XXXX perfect payment record i believe this is harassment for prior complaint, will not give any reason for credit drop
Product: Vehicle loan or lease

MBFS has failed to respond to me or the Attorney General about complaint Number XXXX in reference to the Full Satisfaction of claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

As dated XX/XX/2022, Dear XXXX XXXX D/B/A Santander Consumer USA Inc CEO , and XXXX XXXX D/B/A CFO , I, XXXX XXXX, Consumer, am aware that according to Federal Law 15 U.S. Code 1605 ( a ) 15 U.S. Code 1605 - Determination of finance charge XXXX That the Finance Charge is a sum of ALL CHARGES. 
Im aware that Truth In Lending Act makes it VERY CLEAR that The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 
So, XXXX XXXX D/B/A Santander Consumer USA Inc CEO XXXX XXXX XXXX D/B/A Santander Consumer USA Inc CFO, Im aware according to our agreement that you signed Santander Consumer USA Inc, that the finance charge to me ( XXXX XXXX ) is {$20000.00} and if the finance charge is a sum of all charges, payable directly or indirectly can you please explain in the words of Santander Consumer USA Inc how is possible for me to be ever be Late on any payments? And why are not all my payments being furnished as On Time on my Consumer Report. 

Thanks in advance for your timely response, Respectfully, XXXX XXXX, Federally Protected Consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and report instances of identity theft related to a fraudulent bankruptcy filing appearing on my credit report. Upon reviewing my credit report, I discovered a bankruptcy record that I did not authorize or recognize. This letter serves as an official complaint and request for investigation into this unauthorized activity. 

Details of Identity Theft : Bankruptcy XXXX XXXXDischarged Filed on XXXX XXXX XXXX Reference number : XXXX -This filing has Nature of Dispute : Identity Theft/Bankruptcy Fraud -I did not file for bankruptcy, nor am I associated with the bankruptcy proceedings listed on my been fraudulently made using my personal information without my consent. 

I have already taken the necessary steps to report this instance of identity theft to law enforcement and have obtained an Identity Theft Report from the Federal Trade Commission ( FTC ). Enclosed with this letter is a copy of the Identity Theft Report for your reference. 

I request that you conduct a thorough investigation into this fraudulent bankruptcy filing and take immediate action to remove it from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects only legitimate and authorized activities. 

Please provide written confirmation once this unauthorized bankruptcy filing has been removed from my credit report. I also request a free copy of my updated credit report for review.
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  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

It is with great frustration that I write for the XXXX time to you. I have also done everything in my power to complied with SPS Servicing co. This is the XXXX time Sps confirms receipt of my documents and when I call again they are requesting same documents again. My attorney on record submitted a motion and it was just denied. Please hear me out. I want to resolved this problem. I am going through this for the past two and a half years. 
I want to keep my home. I went a head and did a forensic review. Apparently XXXX XXXX bankrupt and my note was in the bankruptcy. Where do I go from here? 
All I want is for SPS to come on with a loan modification.