23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I received an adverse action letter from American Express regarding my consumer credit application. The rejection was primarily based on a XXXX score retrieved from XXXX, according to the attached adverse action letter. However, I have reason to believe that crucial information was not considered in the decision-making process. 

The rejection seems inconsistent with the details provided in American Express ' SEC filings. Particularly, the prospectus related to the American Express Credit Account XXXX XXXX XXXX, " XXXX scores are derived from independent, third-party data, the accuracy of which we can not independently verify. '' This implies that they relied on information they can not confirm the accuracy of to deny my credit rights. If this is not the case, I request further clarification on the accuracy of the data utilized in my application assessment. Furthermore, American Express explicitly states that it " does not rely solely on standardized credit scores, like XXXX scores, to assess the appropriate credit card account charges. '' Moreover, American Express ' SEC filings reveal that the corporation maintains accounts for consumers across a broad spectrum of credit scores, including those below XXXX. This observation raises concerns about potential discriminatory practices, particularly given the credit score utilized by American Express in my case. It suggests that other consumers have been afforded equal opportunities to engage in commerce, while my application may have been treated differently.

I am seeking further clarification on the additional criteria utilized by the Treasury Department of American Express National Bank for the Underwriting and Authorization Process. Given my non-existent history of engagement with the company, such clarification is pivotal.

It is evident that American Express engages in the asset securitization process, as mentioned under the terminology Asset Securitization in their most recent XXXX filing with the SEC. This process affords a level of credit risk protection among other benefits to all involved parties. 

Also Considering that the credit application was likely sold, pledged, or transformed into another financial asset and some form of consideration was received for such application, directly or indirectly, I am entitled to receive equal consideration in the form of the no preset limit charge card applied for. 

The inconsistencies in the denial letter, banking regulations and the information disclosed in American Express ' SEC filings raise concerns regarding potential violations of my rights to equal credit opportunities and other violations.
Product: Vehicle loan or lease

XX/XX/XXXX after speaking with multiple customer service representatives I was denied paying my car note through any online or over the phone service with ally due to the accusations of them trying to pull my car note multiple times and I was told only money order XX/XX/XXXX ally got both XXXX and XXXX money order in the amount of XXXX. On XX/XX/XXXX the XXXX payment was sent the exact way through XXXX in a money order they shows it arrived to the XXXX box XX/XX/XXXX. Ally have told me over again they cant find it as well as call back as well as its negatively affecting my credit score. I was grab told that XXXX XXXX XXXX not checked daily use another which I sent XXXX payment to with still no answer on the XXXX money order to be told today to try to get a refund and resend them but never told how I would be covered with delinquency going on my credit! This is unacceptable I have been with ally since XXXX down to my last two years and they are ripping me off Im losing money and bad credit score because they dont want to investigate internally to see where the money orders are they havent even been attempted to be spent as I track them which they also have the serial numbers on!!!! I will contact a lawyer to move forward
Product: Consumer Loan

I applied for a XXXX loan with Bigpicture loans, and to date have paid back approximately1000 I have advised the company that paying back more money is creating great financial hardship but they are not interested in helping to eliminate this debt. To fulfill the terms of the loan that I was a little unclear about when I applied, I will have to pay another XXXX in payments. My bank account is being drafted every 2 weeks and I am unable to continue with these payments.Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of  this account.
Product: Credit reporting or other personal consumer reports

Peace Unto You! 
All three consumer reporting agencies XXXX, Equifax, and XXXX, as well any and all Consumer Reporting agencies know and unknown illegally reported to and shared directly & indirectly my consumer report. I did not consent to any persons to have access to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

late payments on XXXX XXXX  accounts. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on XXXX XXXX account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX i made my march payment to Santander consumer USA. i called and asked them when will my account be considered 30 days late i was informed that the 30th was the last day ( whisch was recorded ). So on that day i went online to make my payment ( where i always make my payments ) & for some reason when i go on line its not showing that a payment was made on that day for some odd reason i beleived it was removed. at that time i was using my XXXX  account to make payments. Prior to making this payment i was in XXXX. On XX/XX/XXXX i tried to use my XXXX card and was notified by XXXX that my account was being used somewhere else when i contacted XXXX i was told that all of my funds have been taking out of my account and that they will have to send me another card. so i immediately signed into my online banking and seen that santander has not yet taken out the payment so immediately contacted santander i spoke with a representative and explained my situation to her i asked her was i going to receive a missed payment she stated that i wasnt because my statement hasnt came out yet i asked her multiple times and still received the same response. A week later i was notified by the credit bureaus ( XXXX, XXXX & XXXX ) that i received a missed payment from santander. I immediately contacted santander and requested that i speak with a supervisor when i spoke with the supervisor she said that she will request that the call be reviewed by the executive team and that i will receive a call within 72 hours if in fact i was told that i wont be receiving a missed payment then my late payment will be reversed ( which was also recorded ). So i called back in 72hours and spoke with a representative named XXXX XXXX i spoke with him about my situation and he put me on hold for 20 minutes just to tell me that he did listen to the call and he know that i was told that i wouldnt receive a missed payment but that was inaccurate so he basically told me that theres nothing that they'll be able to do. I have been with santander for the last 3 years and never had a missed payment or a repossession on my account. please assist me with this i have exhausted all of my options. I will like to get the missed payment reversed the account is now in an active status and has always been.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX It was XX/XX/XXXX and I bought a new XXXX XXXX  at the XXXX XXXX XXXX XXXX. 
They told me I was approved for credit and I signed the financing documents. 
My original Creditor was XXXX/XXXX XXXX but in XXXX of XXXX it was transferred to XXXX XXXX. 

My issue is upon checking my credit score I noticed 3 hard inquiries from 3 different creditors on the same date. I was not made aware of this by the XXXX XXXX  and only authorized the one credit check which they said was approved. 

XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX The XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX These inquiries could stay on your report until XX/XX/XXXX but only the first on XX/XX/XXXX was approved. 

I tried contacting these companies at the phone numbers listed but have found they have no record of me. Since this is an unauthorized hard inquiry and at least 1 hard inquiry being considered as three separate ones.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have made several attempts to have this debt removed by disputing it from the credit bureaus ( credit karma ). Back in XXXX, I obtained a XXXX credit card. I paid the bill according. In XXXX, a tv was purchased in XXXX, IA. I paid the monthly bill according. I reached out to the company back in XXXX, regarding an erroneous item placed on my account. The company assured me they would repair this. I continued to make payments. I continued to write to have this removed. Back in XXXX, I was told XXXXXXXX is no-longer an account holder. In XXXX, I was sent an old statement from Portfolio Recovery Associates , LLC claiming I still have a balance. I wrote the company asking for the original account statements to show me the exact items purchased. They sent me statements dated from XXXX and XXXX, both which are incorrect. As I previously mentioned, the last purchased item was made in XX/XX/XXXX. 
I need your assistance to have the account permanently removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. ( XXXX, XXXX, Transunion ) deleted the account and then placed it back on ). ( XXXX, XXXX, Transunion ) has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.
Product: Mortgage

Back on XX/XX/22 I received a grant from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/22 that agency sent 1 of 4 payments of {$1100.00} to NewRez Mortgage company. Until Today XX/XX/22 the mortgage company can't locate the payment. The agency confirmed that they have wired the payment on XX/XX/22 and it was not returned. I contacted both the agency and the mortgage company many times to find out what happened and until today the issue remains unresolved. If the agency has proof of payment I demand that the mortgage company to apply the payment to my account.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I had a dispute open about several charges totaling about {$970.00} through NetSpend all access s prepaid debit card They deemed that the charges that were on my card were not in error even though I did not make the charges and I was unable to ever speak to anyone in the dispute resolution department and I have called multiple times waiting on hold for an hour hour and a half 30 minutes 45 minutes different variables of time and every single time the phone hangs up on me when I finally get a human on the phone I'm going to fix the income I need all my money I did not make those charges if cameras are pulled back or FDIC laws are followed I should have already had my money back this was in XXXX maybe XXXX update later but I still haven't received any of that money.
Product: Mortgage

This home has a homestead exemption in place due to status as a service connected veteran. All homestead documents to that effect were completed and signed at closing on XX/XX/2021 & the homestead was approved by XXXX XXXX, XXXX XXXX is the lender. ( Nationstar/Servicer ) Some months later, I was sent a letter stating the mortgage was going up due to an escrow shortage for the property taxes. I spoke with several managers & advised with the Homestead exemption that there should be no shortage, my payment has yet to be modified.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with the required reporting parameters, thus the data provided in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX XXXX Late Payment {$0.00} XXXX  XXXX XXXX Late Payment {$0.00} XXXX XXXX  XXXX XXXX Late Payment {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Collection {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$180.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Collection {$660.00} XXXX XXXX Collection {$660.00} XXXX XXXX XXXX  XXXX Collection {$950.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$950.00} XXXX  XXXX Collection {$710.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$710.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$970.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$1000.00} XXXX XXXX XXXX Collection {$0.00} XXXX  XXXX Charge-off {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed some inaccurate items on my credit profile that should not be on there ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). I asked very specifically to let me know the method in which they went about their investigation. Their method was never communicated to me. This leads me to believe that they are consistently using some computer generated artificial intelligence with my disputes. After speaking to a rep yesterday ( XX/XX/2022 ) I was told that they use a computer to contact the credit card company to VERIFY this information. This verification method holds no validity as they are getting a simple Yes or No without a true investigation. They dont provide a day that these accounts were allegedly applied for, an IP address, or a signature. This company is HORRIBLE. They dont have a true investigation.
Product: Credit reporting or other personal consumer reports

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

My claim was denied due to payments were made which I never did I never had a Citibank account in my name and all the payments they said I made were false and returned according to Citibank and they are holding me responsible for the balance I didnt get a fraud pack form from citi and I would like for them to send one out to my address so I can filed a police report the account number ending in XXXX with XXXX XXXX is not mines i didnt apply for this credit card Im mentally XXXX and living under my parents roof I cant possess any credit cards and someone is stealing my info and I have the suspect name. Citibank is sending statements to my parents address and I would like for the payments to be investigated or Ill will contact a attorney to have this sorted out
Product: Checking or savings account

We transferred {$4400.00} via ACH transfer from Bank of America to XXXX XXXX located in New York on XXXX XXXX. This was a payment to XXXX. It turned out that by mistake we added extra XXXX in account number that is why money didn't go through and held in the middle. XXXX confirm that they can see the money but because the account number is different they want us to contact my bank ( BOA ) to amend the request and correct account number. I contacted immediately to BOA customer care and they said we can't do anything except sending recall request for ACh transfer. We tried to contact multiple times to XXXX XXXX and they are saying either ask your bank to file dispute or ask your recipient to call them. Problem is there is no real recipient as wrong account number we sent money is not exist in real. Now its been almost 3 month and I still do not have status on my money. I don't even know if I receive it back. We are circling back and forth between XXXX and bank of America. Till now we made more than 20-25 calls to bank of America and XXXX. Really really bad experience ....!! I would never ever make any ACH transfer to this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking advantage of due to Malpractice while several laws were broken under the XXXX by your company. Due to this malpractice i have been unable to apply for credit and financially injuring me and hindering me from the ability to apply for credit. I have asked for Validation from XXXX which was ignored when i asked for Validation, Original Instrument of Indebtness, Original Contract, How it was " verified '' and why this innacurate account is on my XXXX and let alone not on XXXX or XXXX This has dropped my scored XXXX  points and has a bad mark on my report. During the Pandemic i was taken advantage of and my credit reports were marked with negative " late payments '' which was under the Cares Act, previously and even after my payment history was and has been XXXX XXXX  on Time Payments.