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

ALL XXXX CREDIT REPORT AGENCIES ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED AND WITH ME PROVIDING PROOF THAT THESE ACCOUNTS DO NOT BELONG TO ME. MY IDENTITY WAS STOLEN AND I PROVIDED PROOF THAT MY IDENTITY WAS STOLEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Report : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dear CFPB Representative,I would like to submit a complaint about the very bad experience I had setting up a business checking account with US Bank.  I was sent a promotion flyer that stated that if I deposited XXXX into a new checking account, I would be credited a XXXX signup bonus within 45 days.  I opened this account on XXXX/19 with the full amount required and was not credited within the 45 day time period which was to end on XXXX/19.From XXXX/19, I spent many hours on the phone and in person with bank representatives trying to receive the XXXX signup bonus from this promotion.  On every occasion, the standard response from the staff was to ask me to wait a few more days to see if the bonus posted.  This went on repeatedly and after a full two months of these correspondences, I informed a customer service representative that my patience was exhausted and that I was going to be filing a CFPB complaint regarding their deceptive business practices.It was only after this threat that they finally credited my account the XXXX bonus.  This was 115 days after the account was opened.  To add insult to injury, I was also charged XXXX worth of account maintenance charges while waiting for the bonus which I have successfully had waived.  I believe that US Bank deliberately withheld the signup bonus to which I was rightfully entitled and also purposely strung me along to charge successive account maintenance fees.  I feel that the only reason they finally credited the XXXX bonus to my account - a full 70 days after the deadline - is due to the threat of a CFPB complaint.  If I was not aware of the CFPB and/or less inclined to pursue this matter, I strongly believe that US Bank would've been happy to have reneged on their responsibilities.  Therefore, I feel compelled to submit this complaint to bring to light the deceptive treatment that US Bank accorded to me and potentially many other new business banking clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX Co # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment history reflects several late payments, including XXXX, XXXX, and XXXX, XXXX delinquencies. However, I have provided evidence showing timely payments for all months in question. This includes bank statements and transaction confirmations for the payment due, which were made on time, but incorrectly marked as late. Additionally, subsequent months were marked late due to this erroneous initial marking, despite no further delinquencies. 
Evidence, such as transaction logs and confirmation numbers, was submitted in each dispute, proving that my payments were received within the agreed-upon grace period, but this has not been rectified by any of the credit reporting agencies. 
Furthermore, these discrepancies have negatively impacted my credit score, creating significant financial stress and impacting my ability to access credit at favorable rates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX Employer : XXXX XXXX XXXX
Product: Credit card

i closed a master card account, financed through rci barclay 's bank usa, on XXXX XXXX, XXXX the account was paid in full. i just received a billing this month for XXXX the reason i closed the account was spurious billings of this type. i just called the bank complaint number and received an unsatisfactory response. the phone call was ended pre-emptorialy without resolution.
Product: Mortgage

I own a residential building that has a first floor zoned as commercial. My loan is with Sterling National Bank The loan was for 10 years with a reset after 5 years. The loan agreement included a clause that required me to tell the bank when a lien on the property is filed. If I failed to do this, exorbitant interest penalties accrued. I was ignorant of that clause in addition the clause stated that they didn't have to inform me that interest was accruing. 

A {$400000.00} lien was filed against me with the court and the bank was named and notified at the same time! When I tried to reset the loan the bank stated that they needed more time to since they were backed up with work so I needed to sign an extension agreement. I told them that I wanted the interest rate frozen and spoke to the president of the company. He said he would look into it. 

I continued to make my payments as before ... They never told me that I owed the exorbitant interest. On XX/XX/XXXX they informed me that I owed them {>= $1,000,000}, and my loan was in default. On XX/XX/XXXX they sold my loan to some unknown entity. 

Sterling Bank lied and said that I never wanted an extension and ignored me.

My lawyers have been helpful but I believe that I have been wronged. I do not want Sterling Bank to do this to another person.
Product: Vehicle loan or lease

In XX/XX/XXXX, my daughter was involved in an auto accident in which the insurance company deemed the vehicle as a total loss. In XX/XX/XXXX, the insurance company submitted a settlement check as well as the extended warranty was canceled and the proceeds were also forwarded to Santander Consumer USA. At the time of the accident, there was a total principal amount due of XXXX. This also does not include any past fees or late charges that are due. After speaking with Santander numerous times in XXXX  while navigating thru the insurance claim, it was my understanding that what was received from the claims would apply to principal. 

In XXXX XXXX XXXX issued a check in the amount of XXXX to Santander as part of the insurance settlement claim. Also in XXXX, XXXX issued a check in the amount of XXXX from the canceled extended warranty. Total net proceeds was XXXX which would have left a principal balance of XXXX. 

In an attempt to negotiate with Santander to close out the loan, the amounts due are not matching up. They are seeking XXXX when one screen says XXXX due with an account balance of XXXX. The company refuses to settle for less based on company policy after their own agents told me over the phone that once it left the insurance department that I could create a settlement agreement on the deficiency balance and now are threatening to charge the balance off.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three bureau have not updated my credit report regarding my credit history with XXXX XXXX for more than 10 year of establish credit history. 

XXXX has not investigated XXXX XXXX 's medical bill that is in collection which was paid for by Medicare and Medicaid. 

XXXX has not removed the bankruptcy from XXXX XXXX credit report after investigation show that the case is closed and dismiss. 

All three credit bureaus as nodt conducted investigations regarding all inquiries on all three credit reports. 

On XX/XX/XXXX my student loan that what's paid in full nevertheless none of the three credit report has my accounts il paid in full required by the law. 

On XX/XX/XXXX all three credit bureaus delete it my student loan credit history after making a payment and XX/XX/XXXX. 

All three credit bureaus has refused to conduct any investigation from XXXX to XXXX regarding student loan debt collection items and establish credit history There is no supporting facts to support that any investigation has been conducted. 

All three credit bureaus has refused to conduct investigation from XXXX to XXXX under the fcra I am XXXX  XXXX a limited on resources it has established my credit history why working with various difference institutions dividing my student loan debt nevertheless all three barrels are refusing to report accurate information from the department of education and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/year> as listed on my most recently reviewed my credit reports and noticed there are several incorrect items on there check below for account info. 

XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given XXXX XXXX permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to XXXX XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : 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: Debt collection

In XX/XX/XXXX I applied for an auto loan and was rejected by one loan company and given a higher interest by another, which pointed out I have a collection item on my credit so my credit is not excellent and I could not get financing at top tier. I pulled my credit reports and I had a collection account reported by XXXX XXXX XXXX ( XXXX ) for the amount of {$1700.00}. I sent a letter to XXXX on XX/XX/XXXX asking them to verify the debt. I also disputed the collection  with XXXX and XXXX. XXXX confirmed/verified the collection with them so no changes were made by either of the bureaus. Meanwhile, XXXX has failed to send the debt verification as required by law and to seize collection activities. On XX/XX/XXXX I received a letter from them dated XX/XX/XXXX that they are in process of obtaining the documentation, which I have requested, and that they will forward such as soon as they obtain it. As of today, XX/XX/XXXX, they continue to report the collection to the credit bureaus and they have failed to provide any debt validation proof. As a result of their placed collection without validation I had obtained an auto loan at not best terms as their alleged debt bring my credit enough points to get into second tier financing.
Product: Checking or savings account

My bank which is Wells Fargo RESTRICTS me from using my debit card outside of my area and out of state this is the first bank Ive ever been with that restricts there customers from using there debit card out of there area or out of state Ive been fighting with them for the last couple of months and have gotten no answers all Im being told its there card they own it and thats why they are doing it Yes they may own the card but they DO NOT OWN MY MONEY!!! Ive filed a complaint with the OCC and have not heard nothing from them so Im coming to you for help.. I am a XXXX XXXX and I cross all XXXX states I shouldnt have to be worrying about being able to use my card without being declined because Im out of XXXX. this is wrong!!! As fars as Im concerned its Harassment.. I feel like They are controlling where and when I spend my money again this is not right and as fars as Im concerned illegal .. They need to stop harassing me and stopping me from using my card where I want too they want me to do a travel plan and Ive told them its very difficult for me to do that considering what I do for work..
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow up to my original complaint dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX  XX/XX/XXXX. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance.
Product: Credit reporting or other personal consumer reports

XXXX account, Inconsistency in data reporting between bureaus, invalid date last active, invalid date of last payment, reporting, collection reporting with payment history and past due amount when a collection is past due by default.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vendor Santander Consumer USA is involved in litigation and the item being reported falls under litigation items with the company. I am requesting all reporting to stop and previously reported information to be removed from my credit file.
Product: Mortgage

We closed a refinance mortgage and 1st is we didnt recieve any copies of the loan papers 2nd we signed and auto withdraw with the same bank ( Regions ) but they stated we didnt but no copies of documents 3rd they stated they sent billing statements which we never received 4th only correspondence we recieved was was a notice they sent lack of payment to credit companies 5th we tried to fix with them and they denied any cupibility which again no documents 6th when recieved notice called and paid up to date and filled out anto draft document 7th they stated they called us but never left message because our phone said a scam call
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters and communicated to each credit bureau by phone about the inaccurate reporting of this collection account # : XXXX. The date originally for this account was opened on XX/XX/XXXX ... Each bureau was showing that this account was opened in XXXX which is Inaccurate. XXXX deleted the payment history but the account remains on my file as negative, XXXX reporting as if Im making payments and Im not. But due to XXXX not doing proper investigation and reporting, I just ask that my credit file be updated properly. All of this Inaccuracy negatively affects my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent my account to collections after I paid the account off at the closing of my house. NCB has closed the account with only XXXX. XXXX account should be deleted completely since XXXX should have never sent to collections. XXXX this should be done with all credit reporting agencies.
Product: Vehicle loan or lease

When I become a day late on my payment, or even on the day of the due date, I will receive calls from the finance company that is financing my car. I am not always able to answer as I work full time in classrooms with children and I am not allowed to be on my cell phone. Sometimes I am able to step out to quickly take the call to inform them I am busy working and to please only call after XXXX, instead of agreeing they will hang up on me. If I do not answer their calls during my work hours, they will call me right back with different phone number, then send text messages and emails. They then will call my references and employer at least twice the same day. My brother asked them why they are calling him so much and the representative told my brother they were coming to repossess my car if I don't pay my balance and then gave my brother the account balance without my permission. I have received two verbal warnings from my supervisor at work that the calls are interrupting business and are inappropriate. I called this morning to request that my employer and family be taken off the call list, the representative was very rude and said he completed my request but if I don't answer when they call they will reposes my car. I asked for proof in writing that my request was submitted and was denied. I also have been requesting my due date to be changed to coincide with my paydays so that i can ensure my payment to be made on time, i got push back until XXXX i was told that i could make that change as soon as my account was up to date. In late XXXX i made my payment to get completely caught up, I called XX/XX/XXXX or XXXX to request the due date change from the XXXX of every month to the XXXX, the representative started the process over the phone with me and put me on hold to complete the request then i was hung up on. I should have called them back because they did not call me back and they never completed the request so on XX/XX/12 the harassing calls started again. I went back and forth with representatives about the mixup and told them I could not make my payment until the XXXX, they said i would be charged late fees. Today my mother was sent a text message from the finance company with a link to my account so that she can make payment that had all of my account information on it, i did not authorize that.