23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been a " loyal '' American Express cardholder for over 30 years. As far back as I can remember, I have a flawless payment history. The latest humiliation/discrimination regards covid-19 relief. This allows members to postpone payment without penalty. I was hospitalized earlier this year due to Covid 19 and have had financial challenges since. I did use the benefit once since then but did make my payment as promised. Because of continued hardship, I was unable to make my payment on time. I requested an extension per the relief offered to all American Express members. It was denied but I was told I still had until XX/XX/XXXX to make payment without penalty. I can and will keep my word. However, when I asked why I am being denied ( please remember I have been a " loyal member '' for over 30 years with a flawless payment history, their agent in the finance department could not answer. He then attempted to get further information from his supervisor but it was denied. No further information was provided. All I could get was apologies but absolutely no information as to why the benefit for which I paid a large annual fee was denied. Again, given my very long history with American Express and an excellent payment history, I was denied a benefit provided to all members. I feel that I a being singled out or penalized and what is worse is, no one will tell me why. In XX/XX/XXXX, I used my card extensively and still paid my bill in full and on time. Their response was to lower my available credit. They wanted to confirm my income. I provided it and it was still not enough reason to restore my credit line. I do not know why this is happening but I am very offended. I feel discriminated against and I am not even able to defend myself or rectify the matter - if any. I am no longer happy with American Express. If, after enduring all these years, and going through Covid 19 are not reason enough. to be a proper member of this " club '' then they do not need my business and I shall let everyone know of my trauma. This is a trauma because every time I have needed my American Express, at the most inopportune times, they have let me down. I no longer believe in their " Don't leave home without it '' motto. It is misleading and they don't provide their services as offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out to the company and the bureaus with no luck please revise and send
Product: Debt collection

I contacted original creditors about this and they just sold it to a collection agency
Product: Checking or savings account

The bank closed my account XX/XX/2020 told me my fund would be sent never got them everytime I reach out no reply
Product: Checking or savings account

My account is pending closure since XXXX XXXX. I still have {$150000.00} in my account. I called SOFI and they said my account is pending closure and I broke XXXX agreement. They wouldn't tell me what I did. I really need access to my money because of rent and bills being due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied an apartment due to incorrect information reported on my background.
Product: Debt collection

I received a packet of papers from the company First Financial Asset MGMT. Inc. ( FFAM ), dated XX/XX/XXXX, stated that I took out a loan for {$2500.00} under the creditor XX/XX/XXXX When I called and asked what the company is known for XXXX XXXX XXXX, they stated they are a company that gives out vacation loans. I have never took out a loan for anything but school and my car. They stated one payment was made for {$280.00} when they loan was request in XX/XX/XXXX but it was not my credit card number. They have no proof of a contract or anything signed to allow my permission. I now have a past due bill in collections currently dropping my credit score for something I did not purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX 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 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$22000.00}
Product: Credit card

The following has happened twice in the last 4 months : We receive a monthly bill for charges on our XXXX Synchrony Credit Card. We pay through my bank by check well before the due date, our bank confirms receipt by Synchrony Bank, again well before its due, but Synchrony takes over two weeks to process the check before they credit my account. By then, it is past the due date so they add late charges and fees regardless of the fact that the payment was received on time. 

As an example, last months check was noted as received by Synchrony on XX/XX/XXXX with a due date of XX/XX/XXXX. Synchrony didnt clear the check until XX/XX/XXXX and then charged us {$140.00} in interest and late fees. I spent 30 minutes on the phone with them and for the second time in 4 month. They said it was some kind of internal error. 

I am sure that this is happening to others.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and on XX/XX/XXXX XXXX I sent a certified letter to Exquifax to dispute inaccurate information on my consumer report ( see letter attached ). I requested XXXX to provide me with the following information : 1. The name of the courthouse with which you verified the information.

2. The name of the person you spoke with at the courthouse.

3. The courthouse address.

4. What documentation you obtained to verify the bankruptcy. 

As of today XX/XX/, I have yet to receive a response from Equifax. The bankruptcy courts do not report to the credit bureau as per their official website ( see attachment ). XXXX XXXX is reporting is hearsay because they never contacted me to verify any information that is being reported on my consumer report. I would like to know where Equifax obtained their information if the bankruptcy court does not report to the credit bureaus. Exquifax, as a consumer reporting agency have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is part of the Equifax data breach. I am just an ordinary American here, but it looks like they took a long time to disclose the breach ( imagine that their stock will tank now ), and they are seemingly forcing people into arbitration and a service to protect what they have already lost. It also appears that federal law requires creditors to report information to this agency, thus putting Americans in " harms way '' ( by law ). Without any way to limit this, I ca n't even be certain that I will not be a victim of identity theft. I have put a 90 day fraud alert on my wife and my social security numbers. Not sure what else to do. On there website, I went to the area where you could see if you were " affected '' - it says that indeed I was - here is the text : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident. 

Click the button below to continue your enrollment in TrustedID Premier. 

I do not trust this company with my information and believe they have not done enough to sufficiently protect what is entrusted to them by the Federal Government. 

Please let me know what I can do about this. 

Thank you.
Product: Payday loan, title loan, or personal loan

We had many lenders that wanted us to work with them including XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX when we purchased our home. Our realtor at XXXX XXXX XXXX referred us to her husband, a lender at First National Bank ( FNB ). He promised us a slightly better rate of 3 1/2 no points on a 15 year fixed but not until the day of closing we found out that wed have to pay over {$5000.00} to in fact get that rate.

First National Bank knew that we needed a construction loan to add bedrooms for our large, blended family. He knew that we needed to get the work done as soon as possible to ease the transition for our kids.

The contractor ( XXXX ) that we preferred using had also done work for us on our previous home, and we were happy with his work. XXXX gave detailed drawings and numbers for FNB. FNB informed us that XXXX  wasnt approved for the construction loan and instead steered us to the pre-approved contractor, XXXX, for our construction loan.

However, FNB never delivered the construction loan. FNB instead gave us a line of credit at a higher interest rate. As construction began, we were told to keep issuing wire transfers to XXXX  or threats that our construction would stop. Our house was completely demolished at this point, with no electric or plumbing. So we had no choice but to issue the wires from our LOC and complete the work. Again, we were threatened that the work would stop and the contractor would leave out of the country if we did not comply. We were also told that new fixtures would be ripped out of the walls if we didnt pay.

We are now in a house where the plumbing and electric are functional, but not complete. The electric box has open wires, our generator has not been hooked up, some plumbing is leaking or loose, tile work has not been completed, our fireplace is not fully installed, and other issues.

We need to complete the work but have completely lost all trust in XXXX. We have come to find out that First National Bank and our contractor, XXXX, have a side business. They also used underage children who should have been in school.

Because of First National Banks unprofessionalism, we are now in a bad financial situation. We have reached out to other lenders but they will not refinance our construction loan or LOC during active construction.

First National Bank steered us to a line of credit that we never asked for in the first place and said they would pay the point to get us to prime until we got the promised refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

i asked experian to verify items on my credit report as reporting correct. they fail to reply
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section XXXX of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section XXXX ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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} and XXXX XXXX XXXX XXXX $ XXXX stated, in the FCRA, you are required to respond to my dispute within XXXX  days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXXXXXX 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 XXXXXXXX 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 XXXXXX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXs website is purposefully kicking you out of being able to dispute items on your credit report.  They are willingly and knowingly doing this so people cannot access their reports so they trick you into paying. Also will no allow me my free annual credit report.
Product: Credit reporting or other personal consumer reports

15 USC 1681a Definitions ; RULES OF CONSTRUCTION ( 2 ) Exclusions. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s- 3 of this title, Any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Transactions should not be included on my consumer report if they are not accurate, verifiable, or complete.

15 USC 1681 ( A ) ( i ) -exclusions- except as provided in paragraph ( 3 ) the term consumer report does not included ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report, The late payment on my ( Dept of education/NetNet ) account should not be included in my consumer report because according to the consumer law they are transactions and transactions are excluded from a consumers file. Please update this late payment to PAANL ( PAID AS AGREED NEVER LATE ) and update my payment history " ok ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote to Equifax asking them to verify an account ( XXXX XXXX XXXX # XXXX ). They never verified the account and in fact responded that the account was not found on my credit report although I have proof that it was and still is reporting. I wrote a second letter in XX/XX/XXXX asking them to verify the account and included my current credit report with the account circled to show that the account is reporting and they responded " Please be specific with your concerns by listing the account names, numbers and the nature of the dispute. Please be advised that a 7 years extended fraud alert is currently reporting on your credit file. '' This is bogus because as you can see in the attached letter to Equifax, I was very specific and listed the name of the alleged creditor ( XXXX XXXX ), account number ( XXXX ), and the nature of my dispute ( PLEASE VERIFY AND PROVIDE METHOD OD VERIFICATION ). I am convinced that they can not verify this account, thus they continue to send me dunning letters. This is a direct violation of the FCRA and my Consumer Rights and I want this account thoroughly investigated with verification and the method ( s ) by which they verified. If they can not do that, it needs to be removed. I have perfect credit with XXXX and XXXX and have never had reporting problems with them. Equifax already has proven themselves to be untrustworthy among consumers and businesses alike with their data breach last year and I am convinced that they are not doing the right thing and it needs to be brought to light.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unlawful activity was reported on my credit report cause me to not have credit incorrect information was reported an XXXX by XXXX XXXX an XXXX XXXX XXXX debt from me that I have no knowledge sents XXXX never have no knowledge about any account XXXX allow them report this on my credit report I requested that XXXX XXXXXXXX an XXXX XXXX should be removed from my credit report due to cause me to suffer from bad credit they should be removed off my credit report XXXX not who reported this incorrect information reported me deceased illegally state someone reported me deceased I should half to go through this data breach I was exposed never received my settlement check from XXXX lease remove them off my report
Product: Checking or savings account

Last week, XXXX, XX/XX/2022, I received in my home mailbox two sets of checks for TD Bank accounts that I did not open, XXXX letters stating the accounts were overdrawn, and a debit card with a sticker prompting me to activate it. I have never been a patron of TD Bank, nor have I ever applied there. I applied XX/XX/2022, for a new account at XXXX XXXX XXXX XXXX online, but confirmed with them by phone that they had my application and were not affiliated with TD Bank. 

When I called TD Bank, the number on the debit card to activate it, I was curious. I entered the card number, my zip code, and the last 4 of my SSN, and the recording came on alerting me that my information did not match their records and transferred me to a CSR. I gave them the account numbers and told them they were not my accounts, and the debit card number. They suggested I cut up the debit card, which I did. They tried to transfer me to their fraud department, but I was placed on hold for over 75 minutes and could not wait any longer. I hung up. 

Friday morning, the next day, XX/XX/XXXX, I received another pack of checks. Same process, this time I looked up TD Bank 's number on XXXX, verified it was the one I called yesterday, I spoke with a CSR, gave them the account number, they transferred me to fraud, where I remained on hold for 48 minutes. I hung up, called back 3x but have still been unable to speak to anyone at TD Bank in Fraud. Their message just repeatedly says they are short-staffed because of COVID. I looked up the mailing address of the routing number on the checks and sent a letter to TD Bank in USPS mail demanding the same thing I'm asking for here, for my name and credit reports to be cleared of these fraudulent accounts. 

Saturday morning, I received a letter at my place of business from TD Bank in XXXX telling the previous owner of my restaurant to discreetly claim an inheritance due her for a family member who passed away. Now I think I know how they got my name and personal address, we are the new owners of the restaurant, and our home office address is public record in our state because of our business license. 

I have filed a complaint with identitytheft.gov, the consumer finance protection bureau, all 3 credit bureaus, and my local police department.
Product: Debt collection

I am not liable for this debt with Upstart Network Inc. I do not have a contract with XXXX XXXX XXXX XXXX. Under 15 usc 1692c- XXXX XXXX XXXX XXXX as the consumer can refuse to pay a debt collection. 15 USC 1681e ( b ) Compliance and procedures I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it and yours thats on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hindered my ability to obtain credit. Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days.
Product: Student loan

This is regarding Navient. I also had a situation where upon completing medical school, I would have to annually set up my IBR and reapply for it. Every time I called them, I would be pushed by representatives to push my loans into forbearance. I am out and refinanced my loan since I didn't trust this lender. It was also very difficult to reach anyone regarding loans. I recall asking for sincere advice and now in retrospect, they acted to keep all loans going as long as possible. It was a horrible experience and I am so happy that this is being taken care of by the CFPB
Product: Credit reporting or other personal consumer reports

XX/XX/2022 XXXX inquiries that all fall under permissible use 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Auto Finance XXXX XXXX XXXX
Product: Debt collection

I never received a debt letter telling me about this debt from allstate or that i could dispute this. I found out by researching my credit file. I contacted the agency and requested a validation letter with proof and was never sent one. This debt is not mine and is negatively effecting my credit
Product: Credit card or prepaid card

I see multiple 301500 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Mortgage

Just recieved a delinquent tax notice for my home and never missed a mortgage payment. The mortgage payment includes an escrow account for insurance, PMI, and taxes, and Planet Home Lending ( mortgae servicer ) never sent out payment. I tried telling them last year and they did nothing. Have tried calling them multiple times and can not get in contact with anyone ( on hold for over an hour ). There is interest accruing on the delinquent tax bill. Dont know what to do, I know they have the money in tge escrow account, should I pay the delinquent bill? Who pays the interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX