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

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX  XXXX - {$890.00}
Product: Credit card or prepaid card

I received a bill from Barclay 's ( Aviator Mastercard ) around XXXX XXXX, XXXX. I had a late fee and interest charges totaling {$42.00}. I looked at my bank statement ( XXXX XXXX XXXX  ) because I had sent the payment of {$300.00} on XX/XX/XXXX but it did not get debited from my account until XX/XX/XXXX. I thought it was matter of overlap with the payment and billing cycle so I held onto my bill to research later. On XX/XX/XXXX, I received notification that a purchase, which was already set up to pay with my Aviator card, was denied. I called Barclay 's ( Aviator ) to investigate. I spoke with XXXX and was informed my account was in arrears and they had no record of my XX/XX/XXXX payment of {$300.00}. I called XXXX while I had Barclay 's on the phone and the agent verified that the payment was debited from my checking account on XX/XX/XXXX and they had a copy of the check stamped by XXXX XXXX, who I assume is the payment processor. Barclay 's told me they would start a " missing payment inquiry '' but it could take 25 days and I could not use my card in the meantime. However, I am still accruing late charges and interest. I told them I was NOT going to make my XX/XX/XXXX payment until they find my previous payment. I called Barclay 's again on XX/XX/XXXX to check the status. I asked for a supervisor, was put on hold for 20+ minutes and then disconnected. I am concerned about this process taking so long, my missing {$300.00}, and the fact that they have no qualms about my account being put in arrears, which negatively affects my credit! They would not simply suspend or put my account on hold. My concern is that my payment is being held so late charges and interest can accrue. This seems to be an ongoing issue, as for the last 3 months, my payment has taken 7-10 days to post to my account. I have accrued late fees despite sending to payment in a timely fashion. I am concerned since I have a positive credit history with all of my accounts. I feel Barclay's/XXXX XXXX are intentionally not processing payments until after the due date in order to charge late fees and interest. It is also of interest that I was told on XX/XX/XXXX that the missing payment inquiry was started on XXXX XXXX. I know I did not call Barclay 's on that day, as it was a Saturday and was my birthday. I did not inquire about my payment until XX/XX/XXXX so why was an inquiry started nearly 2 weeks earlier? Could it be to make it LOOK like they were searching for my " missing '' payment? Also incidentally, if an inquiry takes 25 days and was started on XX/XX/XXXX, the end date of the inquiry is XX/XX/XXXX, my next payment due date. Interesting.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number for Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX, I am writing to dispute inaccurate information that appears on my credit report. The items in question are [ describe the inaccurate account and collection ]. These items are inaccurate and do not reflect my actual credit history. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccuracies be investigated and corrected as soon as possible. The FCRA requires consumer reporting agencies to ensure that consumer reports are accurate and to conduct thorough investigations of disputed information. Furthermore, it mandates that consumer reporting agencies follow specific procedures before reinserting previously deleted information into consumer reports. According to the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to conduct faulty investigations that fail to address consumer disputes properly. It has been reported that XXXX uses flawed intake procedures and does not convey all relevant information to the original furnishers. Additionally, XXXX has been known to reinsert inaccurate information without matching it with records of previously deleted information. Therefore, I am providing the necessary documentation to support my dispute, including [ list of supporting documents ]. I expect XXXX to conduct a proper investigation and provide me with the results. If these inaccuracies are not promptly corrected, I will consider taking further action, including filing a complaint with the CFPB and seeking legal advice. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX  XXXXBalance Owed : {$2100.00}
Product: Mortgage

This complaint involves AmeriHome Mortgage. They service my VA loan. Since the last week of XXXX this company insists I have no Home owners insurance. My insurance agent and myself have supplied them proof of insurance on three separate occasions over the intervening 6 weeks. Today I received another letter from them stating they have documented the renewal of my policy and dispersed the funds. They however still claim that their was a three month lapse in coverage and they will purchase coverage for that and have started a debt collection proceeding. They have received copies of the coverage that was valid during the contested period. I even tried to upload the document again upon receipt of todays letter however their own site states that the document is already on file.
Product: Credit reporting or other personal consumer reports

The end of XXXX  I file a complaint against this same company reporting falsely and inaccurate information to my credit report as I look to my report I still find inaccurate information on my report XXXX of XXXX I came to in agreement with this financial company. Company close this account and we t me an confirm email of the account being closed as of XXXX XXXX XXXX and XXXX of XXXX one of the three biggest credit reporting companies have still been reporting that payments have been being made the dates of last reporting are wrong in all three credit agency all this inaccurate information has left me in bad terms with other lenders this has been hurting my way of life and demand that this negative item be removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/TransUnion/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$1200.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$2800.00} TRANSUNION : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} AXXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$2800.00}
Product: Mortgage

Pennymac loan servicing company called me several times this month. I returned the call and Pennymac told my mortgage payment was not made and late. 

I have automatic bill pay setup via XXXX, on the XXXX of each month the mortgage payment is processed. I have been using this method for three years now.

The Pennymac representative told me my monthly payment is past due and requested a payment. 

I told the Pennymac representative this must be a mistake and I logon to XXXX online banking to check past bill pays. The mortgage payment was sent to Pennymac, they told the payment and applied it to principle reduction. They accused me of late payment. 

This is abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company check my credit without my consent to ... meaning improper use of my credit report and I have no account XXXX, XX/XX/2019 XXXX XXXX, XX/XX/2019 XXXX XXXX, XX/XX/2019 XXXX XXXX, XX/XX/2019 XXXX XXXX XXXX, XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX  that I believe is not being reported correctly on my credit report. On XXXX XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. They finally respond back to me XX/XX/XXXX, see attached, informing me that they will contact me with the result of their investigation once it is completed. It is now XX/XX/XXXX and I have not received their result and they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit card or prepaid card

I recently applied for a Discover credit card. Application Number : XXXX. I received a letter from Discover stating, we reviewed your application we unfortunately could not approve your request due to the following : Status of Existing/Prior Discover Card Account. I have been receiving the same response from Discover since I filed for bankruptcy on XX/XX/XXXX. All of my prior Discover credit card accounts was discharged under XXXX  XXXX bankruptcy in the United States District Court District of Minnesota Bankruptcy Court on XX/XX/XXXX. Discover is continually denying me an opportunity to obtain credit due to my prior Discover credit accounts that was discharged in bankruptcy court. Discover is discriminating against me by denying me an opportunity to obtain credit due to prior Discover accounts being discharged in bankruptcy court. Discover is violating the Equal Credit Opportunity Act ( ECOA ) under federal law. I want to get a Discover Secured Credit Card to rebuild my credit. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit card

I double payed my American Express account on XXXX/XXXX/15 and XXXX/XXXX/15 in the amount of {$3000.00}. I called immediately on XXXX XXXX, and was told money would be wired back in 24-48hrs. I waited until XXXX XXXX called back they said it should have been done - they will look into it, give it a few days. I called again on XXXX XXXX, was told that a letter was sent out that name on bank act and credit card act did not match and money could not be wired. I confirmed names matched, and was told that money would be wired Thursday XXXX XXXX because of XXXX. XXXX XXXX I called and was told money was adjusted off my credit card and has a wire is in process give it until Fri or Monday. Checked Monday XX/XX/XXXX..no money. I called back they said they would send a inquiry to wire department. XXXX XXXX i called my bank they said to ask AMEX for wire confirmation and that is when i was told money was wired into a XXXX act. NOT MY ACCOUNT. Now no one returns my calls. Now they say it was n't my money posted to my account. All of the sudden they said they have no proof it was my money paid twice. Now I am getting run around. Everyone says they will call me but no one is calling me back. They have had my money for over 2 weeks. I have bank statement proving it was my money. Now AmEX says they need to investigate and it could take 8 weeks. I can not wait 8 weeks and its my money anyways!. I explained that they should refund my money and they can investigate and get the money back from the other customer on their own time. No one is goving me any real answers - they just say they have no authority but will not let me seak to someone who has authority.
Product: Credit card or prepaid card

I canceled my two cards I have with Genesis fs card services XXXX XXXX XXXX XXXX. OR XXXX In XX/XX/2022 because of the high payments and after trying to get a lower payment I decided I cancel my cards and I was told I would not get charged any interest or fees but that was a lie I made a half a payment in XXXX and they said as long as I made my full XXXX dollar payment in XXXX I would be all up to date that was a lie too
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair privacy and confidentiality under 15 usc 1681. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my right 15 u.s.c 1681 section 602 A. states i have to privacy. 15u.s, c 1681 section 604 section2 it also states a comsumer reporting agency can not furnish account without my writting instruction.
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 : Account Number : XXXX Account Name : 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 Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX applying for a Mortgage. The Mortgage company sent me a copy of my credit report and all three credit bureaus ( Equifax, Experian, TransUnion ) display : XXXX DELINQUENCY XXXX NUMBER OF ACCOUNTS WITH DELIQUENCY I have no delinquencies on any accounts and with this, there should be no " number of accounts with delinquency ''. This marks against my credit are completely untrue and unjustifiable to be on my report.
Product: Debt collection

I had a previous auto loan with Northcoast financial, unfortunately the car was totaled in an accident. The other party insurance XXXX paid the amount that was agreed and settled upon. Although this amount was agreed and thought to be done and over with, I still received several emails and calls at my workplace and messages on social media well into the later part of XXXX. The account is showing charged off on my credit report, but the IRS or I have a correct and accurate 1099 for the years of reporting this charge off. 

I am asking for all financial documents in regard to this account, this includes but are not limited to payment history, settlement amount from XXXX, all reporting to the IRS, and loan agreements.
Product: Credit card

I have consistently maintained timely payments on this account, ensuring that none become overdue. The appearance of late payment remarks on my accounts perplexes me, and I am uncertain about their origins. Referring to 15 USC 1666b - Billing Error, these remarks should be addressed.
Product: Credit card or prepaid card

On XX/XX/2023, I signed onto Chase website. I could not complete my logon procedure as I had previously done numerous times. I was presented with an online screen ( see XXXX XXXX XXXX  Screen Shot for online access ) entitled Accept Disclosures and Agreement. I did NOT accept the agreements. I decide to telephone Chases Customer Service. 
On XX/XX/2023 I telephoned Chase Customer Service at XXXX. I spoke with two agents, XXXX and XXXX. XXXX stated that he was an Account Supervisor. I had a lengthy conversation with XXXX regarding how one could opt out of arbitration without sending an opt out letter through the U.S. Post Office. XXXX, an Account Supervisor, stated that I could send the opt out letter through Chase Secure Message Service. 
I completed another opt out of arbitration letter dated XX/XX/2023 ( see Scanned Graces 2nd Arbitration Letter ). I sent in the opt out letter through Chases Secure Message Service as directed by XXXX. I received two e-mails from Chase regarding the my opt out letter ( see Graces Chase E-mails XX/XX/2023 and Graces Chase E-mails XX/XX/2023 ). So, in spite of receiving my opt out of arbitration letter, Chase is refusing to accept my written response even though Chase initiated the requirement to accept their disclosures and agreements electronically and so directed by XXXX, the Account Supervisor. Chase will accept facsimile and secure message communications regarding accounts but WILL NOT accept an account holders request to opt out of arbitration. There is ONLY one reason why a business forces individuals to opt out of arbitration the business is hoping that individuals will tire of the effort to do so. Thus, the business will avoid possible higher financial penalties to illegal actions against individuals caused or perpetrated by the business. Chase has had previous class action suits against it. 
On XX/XX/2023 I mailed my second opt out of arbitration letter to Chase. 
I recommend that Chase be required to accept the opt out of arbitration in the same manner by which the company/business informed the individual. Thus, Chase MUST give the account holder an electronic option for opting out of arbitration similar to the online options that it gives individuals to receive or not receive their statements or notices via U.S. mail or electronically. 
Please respond to my complaints.
Product: Checking or savings account

I opened a SoFi account for both banking and investing purposes. Unfortunately, on XX/XX/XXXX, SoFi froze my accounts, including open investment positions, for five consecutive days. This prevented me from managing my portfolio and potentially mitigating any losses. 

On XX/XX/XXXX, without any prior warning or explanation, SoFi terminated my account and forcibly liquidated all my assets. This resulted in significant financial losses for me. 

In particular, I had an options trade ( e.g., call/put option, expiring in XXXX ) that held a positive value of over {$300.00} on XX/XX/XXXX. Despite this value, SoFi closed the position for a mere {$0.00}, resulting in a 100 % loss on a profitable trade. I have documented proof ( screenshots ) of this specific position 's value before closure. SoFi exposed me to significant risk for 3 days having my account frozen while they make a decision. They never once offered me the option to transfer my assets to a new broker. They instead liquidated all of my assets for losses. Giving me no fighting chance as an investor. 

Furthermore, due to the account freeze, I was unable to manage risk in other holdings, leading to additional losses of approximately {$500.00}. 

My attempts to resolve this issue with SoFi customer service proved frustrating. I experienced long wait times exceeding one hour and encountered rude behavior from representatives, specifically XXXX and XXXX. 

Request : I request the assistance in recovering my financial losses or my investments returned to me due to SoFi 's actions. Specifically, I seek : Reimbursement for the funds unfairly lost due to the premature closure of my options trade ( $ XXXX ). 
Compensation for the additional losses ( {$500.00} ) incurred during the account freeze. 
I am prepared to provide all the necessary documentation ( screenshots ) to support my claims. 

Closing : Thank you for your time and consideration in resolving this matter. I look forward to your assistance in holding SoFi accountable for their actions. 

Sincerely, XXXX XXXX