23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a new checking account on XX/XX/18 at XXXX Compass bank in XXXX XXXX. 
I was waiting for my new debit card to come. I recieved in mail my welcome to online banking letter and a letter with my pin # in it. But no debit card. I had set up online banking and a phone app at the branch the day I opened account. I noticed I couldnt log into the phone app for my banking so I called the bank to ask about my card and the app not working. The bank informed me that the debit card had been activated and my account had been cleaned out in a day. Several transactions had been done. 
The bank also asked me if I had called to change my # and email. I told them that I had not done this.No one from banks security ever called me to see if I had for a new account. 
I then followed the banks instructions about filing a police report. Filing a mail theft report with the postmaster online. 
Also I filled out fraud dispute forms with the bank about any transactions starting XX/XX/18 that were not mine. all from that date were not mine. 
The bank has informed me that they will not refund my money that they allowed to be stollen. They said normal use on account. Its a new account and I had no debit card.How could there be any normal use established yet.? 
Fraud department also mistakenly emailed me another banking clients personal dispute info. I would think they would check name before sending a clients personal banking info to someone else. But, if they allow criminals access to my money then obviously not very perfessional. 
XXXX has acted negligent in keeping my money safe and taking security precautions to ensure that and now are refusing to refund my money from new account. 
Someone please advice and help. Single Mom XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three letters to each of the credit bureaus XXXX XXXX  and experian since XXXX. The letters were sent XXXX, XXXX and XXXX. and I have not received a response from either bureaus. I have a number of incorrect items on my reports
Product: Credit card

It all began when I received an email stating " We've processing your replacement card ''. I replied telling them that I did not request a replacement card. I never received a response. That went on until I received an email stating that my email had been changed to a XXXX account. Yes, I received a notice to my XXXX  address that my email had been changed to XXXX. That's when I made a call to American Express. When I explained what happened, they informed me that the account had been hacked. When I asked them for the full XXXX address the rep said he could not give out that information due to privacy issues. I was also informed at the time, my card had been canceled, and I was no longer the account manager. This is a good time to tell you that I'm not the primary card holder as you can see in the attachments sent, my mother XXXX XXXX is the primary holder. I was put on the card as a manager and in time was added to the account as a holder. My card number was XXXX XXXX XXXXXXXX XXXX XXXX old card number was XXXX XXXX XXXX, also on attachments. My problem is, American Express will not reestablish my status with them without me filling out a credit application, which will create a hard hit on my credit score potentially causing my financial harm. Thank you, XXXX XXXX XXXX XXXX : I have 5 documents from mailings that I could not scan at this time. I wish to have them added as they will show further tampering of information concerning the security of this account. Please advise?

XXXXXXXX XXXX  After speaking to a very helpful representative, I will apply the mailings to another agency for review.
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 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. 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 : Reason for Dispute : My payments were made on time, but due to a clerical error by the creditor, the payments were incorrectly recorded as late. The payment confirmations from my bank show that the payments were cleared well before the due dates. I have enclosed copies of these confirmations for your reference. 
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
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX Last XXXX of : XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) In accondance with the Fair Credt Reporting act. The Lat of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 
Account name : [. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] has violated my richts. 
I looked at my [. Experian ] credit report on [ XX/XX/year> ] and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

In my three credit reports appear wrong information which could be fixed but the bureaus do n't report the correct information or remove the incorrect. XXXX XXXX sent to me a letter fixing the wrong report on XX/XX/XXXX about a pay late they were reporting in my mortgage on XX/XX/XXXX by mistake and is now yet the bureaus have n't fix that and other debts I already paid for and I have the XXXX they sent me and neither they have remove from my credit report affecting me in my financial goals. If you need the information I have tell you I can send you when you ask me for. Please help me in this matter as soon as you can because I am trying to refinancing my home and this is stocking me. 
Thank you XXXX XXXX
Product: Credit card or prepaid card

Hello- In XXXX XXXX I purchased a XXXX exercise machine using a a credit card from Synchrony Bank which advertised no interest or late fees if payments were made on time for the minimum amount due within the promotional period. Below is a table of my due dates, amount paid, and date the payment posted per my checking account statements. 





Due Date : X/XX/17 {$300.00} Post Date X/XX/17 -- Due Date : X/XX/17 {$300.00} Post Date X/XX/17 -- Due Date : X/XX/17 {$360.00} Post Date X/XX/17 -- Due Date : X/XX/17 {$600.00} Post Date XXXX -- For example I paid the XXXX XXXX due date on X/XX/17 in the amount of {$300.00}, and the XXXX XXXX due date on X/XX/17 in the amount of {$300.00}. As you can see I paid well above the minimum required and early, every month. 

I received my XXXX XXXX statement and saw I had been incorrectly charged a late fee of {$25.00}. I called Synchrony customer service on XXXX XXXX to try and rectify the situation. The customer service agent admitted they had not posted my payment of {$360.00} made on X/XX/17, which made my account flagged as late in their system. I pointed out all payments were made early, on time and well above the minimum amount required each month. They would not remove the late charge, but I insisted and they told me it had been removed. They have now incorrectly posted this to my credit score. I am now also responsible for interest payments because they have incorrectly flagged my account as late during the promotional period. 

I have paid early, on-time, and well over the minimum amount due. According to Synchrony 's credit card agreement, I would not be charged late fees, would not have a late payment recorded on my credit score, and would not be liable for interest within the promotional period. I have upheld the credit agreement I entered into, and now my credit score has been adversely affected by Synchrony 's error. They will not remove this record from my credit score.
Product: Vehicle loan or lease

I should have never been approved for financing I was denied over 10 times from other lenders, I had a credit score in the the high XXXX 's or low XXXX 's and I had a ongoing garnishment on my credit reports and collections..I feel i was taking advantage of by Santander and XXXX XXXX XXXX because of my high {$13000.00} downpayment i was never even asked to show proof of employment or income ..I 'm requesting a Loan Forgiveness and Car Title because i can no longer afford this {$920.00} a month payment and high interest rate for a vehicle i should have never been approved for.I demand to know my internal score at the time of my loan i should be included in the settlement compensation.
Product: Credit reporting or other personal consumer reports

I have not been able to obtain my consumer report when extending credit to creditors. I have been advised that my file is blank or has no score. My consumer report has not updated in years. 

I do not have a fraud alert or credit freeze placed on my consumer reports. Equifax is messing with my creditworthiness.
Product: Credit reporting or other personal consumer reports

I have submitted multiple complaints to XXXX, Experian, and XXXX. They have not completed an investigation. I have addresses that I have never lived at and accounts that are erroneous. I am hoping with the help of CFPB that my investigation will actually happen. Please see my letters with 3-bureau tables showing all of the discrepancies in my credit report.
Product: Debt collection

Collector is trying to collect {$680.00} on a debt for XXXX XXXX XXXX. The collector is J.S. Resolution Group. The amount of the loan is only {$500.00}. I have been threatened to have legal action brought against me with or without my knowledge. This account is not owned by J.S. Resolution Group.
Product: Credit card or prepaid card

I opened a " XXXX XXXX XXXX XXXX '' American Express credit card in XX/XX/2019. On the American Express website the sign-up offer was XXXX points if you spend {$3000.00} within the first 3 months. I clicked on this offer and was approved for the card. 

I fulfilled the {$3000.00} spending with my natural purchases well within the 3 month limit.However the bonus didn't credit to my account. I waited a billing cycle to make sure and still no bonus. I contacted customer service and the representative confirmed that the offer was attached to my account but was rejected. I asked he open an inquiry to why, he said he would call me back with results. 
I never heard back so I called in again and they reopened the inquiry. After a week with no response I called a third time. 
The representative said the signup bonus was denied because I had another American Express credit card which I haven't used. The other card referenced was a " XXXX XXXX American Express card ''. I explained to the rep that I opened that card when I was planning some travel to take advantage of its travel benefits. After the opening and booking a flight I decided to only use that card when I'm booking flights. 
I asked why one card affects another when I explained how I plan on using my Delta Amex card.  The representative offered no explanation and only this was the reason they are not honoring the signup bonus for the XXXX card. 
I received NO warning of this when I was signing up for the XXXX XXXX XXXX XXXX card. If there was any problem with my other account I should have been denied and not mislead that I would be receiving a sign-up bonus. 
I have travel coming up and was planning to use this card.
Product: Credit card

Citi failed to refund a double billing on my card from XXXX
Product: Debt collection

I already resolved this issue from around 2017 after getting the Illinois Attorney General involved ( Ref # : XXXX ) and it was determined that I don't owe XXXX  anything. Now, Southwest Credit Systems is attempting to collect this old debt by calling me daily.
Product: Vehicle loan or lease

Friday morning on the XX/XX/XXXX I returned home early from work to call the manager XXXX XXXX to see if I could come and get my title so I could get my tags at the secretary of state that day. she tells me they didn't receive a title. I then call XXXX XXXX were the truck was purchase from to huntington bank. A lady name XXXX XXXX at XXXX said they sent the title and other documents on XX/XX/2018 and that someone at huntington bank name XXXX XXXX signed for it on the XX/XX/XXXX and that she would seen me a copy were he signed for it. I got the information and call XXXX back no answer no return call Friday so I went up there to Huntington bank Saturday morning she wasn't their, I talk with another branch employee name XXXX he new about the title situation and said he would look for it wild I was there and said he would call XXXX XXXX and leave a message for him to contact him or contact me concerning the title. I left the bank and call the main office of Huntington to see if they could help me get my title, they tells me that he's on vacation and that they would contact him by phone and email for him to contact me or the bank about the title, I never heard from him from beginning to the end of this situation, and time was running out. I was told to go to the social security office and they would directed me to apply for a lost title on XX/XX/2018, in the mean time I was back and forth at the bank I talk with XXXX at the bank on Tuesday XX/XX/18 I ask about where was XXXX she says he didn't come to work Monday and if the title came they can not leave documents laying around they would have to shred it they can't keep documents in that office.I received my lost title on the XX/XX/XXXX, by mail and XXXX  for next day for XXXX to XXXX to start the process all over again. I receive my title back on XX/XX/XXXX XXXX XX/XX/XXXX..
Product: Vehicle loan or lease

Recently I submitted a complaint with you on Mercedes Benz, by an error on my behalf I submitted the wrong Company name as to who my case was sold to by Mercedes, it was XXXX XXXX instead of another Mentioned name. After writing XXXX XXXX and telling them I would sue, because I didn't have an account with them, Mercedes picked the account back up. I want to stay in compliance and report accurate information. Somehow my paperwork was in the wrong file. I am resubmitting for proper documentation. Along with that, I'm submitting another Negotiable instrument sent to Mercedes because they said I still owed a balance of {$4100.00} which a different amount is reporting on my credit report of {$4100.00}. I am attaching the instruments again used to set off the debt with Mercedes, because after reporting this account to cfpb, Mercedes again hit my credit report with a delinquency reporting late charges that dropped my credit score XXXX points. The negotiable instruments were received by Mercedes and never sent back, and according to the negotiable instrument Act of 1881 USC 1 304a 1-2 It is payable on demand, and the Bill of Exchange Act Part 1-2. Unicentral Convention, Article 3 knowing that the instrument was received, and responded to that it becomes payable at site by registered mail. Mercedes and its affiliates have humiliated me and has damaged my character by the actions given. They repossessed my car in the middle of the night when it was my only means of transportation, and I had nothing to drive, nor a home. As till this day I do not.
Product: Debt collection

On XXXX I sent a letter disputing the erroneous account with the creditor COMNWLTH FIN for the amount {$110.00} stating that the information that they are reporting on my credit report does not belong to me.I 've requested that they send me the information to validate this debt each time I've requested the information I never received it. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.
Product: Debt collection

1006.34 Notice for validation of debts Did not receive notices and do not know of these alleged debts ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. 

-- -- -disputing the alleged debt -- ----
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I have a dismissed chapter XXXX bankruptcy that was verified through XXXX XXXX and I sent them a copy of my XXXX XXXX information to Experian that my XXXX XXXX report does not have a dismissed chapter XXXX bankruptcy included in it. It is not 100 % accurate and i sent them a dispute letter asking for it to be verified and if is not verified please remove it.
Product: Credit reporting or other personal consumer reports

I never applied for a vehicle through this company called XXXX XXXX XXXX XXXX tried to dispute this through all 3 credit bureaus and I asked for an itemized statement of the vehicle was supposedly disbursed to me and they keep telling me that its accurate and I never purchased anything from them!!
Product: Mortgage

Plant Home Lending decided on their own to pay our property taxes on an annual payment when we decided to pay them in installments. The decsion to pay in installments was made at the closing table, we signed a form for this to happen. Now that they decided to pay in annual payments they have increased our mortgage payment from {$1500.00} a month to over {$2000.00} a month because of the escrow shortage they created. 
We have been calling them and talking to their escrow department since early XXXX of XXXX. Property taxes arent due till XX/XX/XXXX, semi annual payments due XX/XX/XXXX and XX/XX/XXXX. We have been calling customer service and their escrow department every 7-10 days that is becasue they said they were working on a resolution and it will take this long to process. it has been over 60 days as of XX/XX/XXXX. Our last call was on XX/XX/XXXX and they stated that the escrows are now setup for the semi annual installment plan. Now as of XX/XX/XXXX Planet Home Lending decided to at some point on the XXXX of XXXX to make the full payment. Planet Home Lending has now created a financial hardship becasue they couldnt correct a mistake they made for over 60 days.
Product: Debt collection

Saw debt on my credit report, reached out to the company and requested : the following substantiation in my letters, : the name and address of the original creditor ; the date on which the alleged debt was incurred ; an itemization of the debt ( i.e., what portion of the total amount constitutes principal, interest, fees, other charges ) ; a summary of the payment history on the debt ; a copy of the applicable contract giving rise to the debt ; and a copy of the underlying account statement and other writt and they have failed and broken all sorts of laws
Product: Credit reporting, credit repair services, or other personal consumer reports

several inquries Im unfamiliar with and collections I've reached out to every bureau also sent a XXXX letter still same results no progress experian XXXX  XXXX
Product: Credit reporting 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 accounts in my report. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 


XXXXXXXX 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

This is my 2nd 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 alleged fraud or extortion. 
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