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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : 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 XXXX XXXX XXXX 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

I, the consumer and natural person, was denied credit by American Express when I applied for a whatever your applied for Blue Cash Preferred from American Express Cardmember Agreement. 

Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.

American Express is subject to criminally liability for violating 15 USC 1691 as I have proof that I was discriminated against by American Express due to the response I received in adverse action letter.

American Express is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I, the consumer tendered valuable completed application in good faith, but credit was not issued. 

Furthermore, because my social security account number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) by fiduciary, American Express.
Product: Checking or savings account

I opened an online account with Axos Bank depositing {$200000.00} on XX/XX/23 to a money market account. 

On XX/XX/23 I entered a secure message asking why my balance wasn't showing up yet. I followed up that secure message on XX/XX/23 asking for a reply. I never got a reply. 

On XX/XX/23 I sent another secure message with 3 screenshots. The screenshots show that two account with the same account number were showing on the website. Both showed XXXX balance. They also showed that there was an available balance once selected, but didn't show on the main screen. On XX/XX/23 I got a reply saying the balances were showing up now, but did not address the issue of two accounts, with the same account number, showing up. I replied on XX/XX/23 asking did you see the screenshots and why are there 2 accounts showing? They replied on XX/XX/23 stating they had forwarded this to the appropriate department and you will receive an update on your concern within 24-48 hours. 

On XX/XX/23 I sent wire transfer request, per the pdf instructions to XXXX. I almost immediately received a reply that they no longer accepted these requests via email and that I need to upload the document in the secure area of their website. When I tried to upload the document as they described, neither account showed up in the " from account '' drop box to initiate the wire transfer. I called the support line on XX/XX/23 and was told that I needed to submit an online request for help. I told them that 17 days ago I was told they would fix the previous issue in 24-48 hours and that their online requests aren't timely. The representative then put me on hold and when he came back he told me that he had forwarded the request on to a separate department to get fixed. 

Bottom line is that they aren't fixing things and I can not get my money out.
Product: Credit card

Dear Goldman Sachs Bank USA / Apple Card Customer Service, I am writing in response to the recent resolution provided by your team concerning the inaccurate late payment reporting on my Apple Card account. I appreciate the efforts to investigate this matter, but I still have concerns regarding the accuracy of the information and the handling of my account. 

Firstly, I would like to clarify that I have consistently maintained a XXXX balance on my account and made timely payments. I have evidence that my account was fully paid off in XX/XX/XXXX, and it should have reflected a XXXX balance from that point onward. I am confused and concerned that my account was marked as late in XX/XX/XXXX, as this does not align with my records. 

According to your response, the bank indicates that no error occurred and that the account was reported accurately. However, there seems to be a discrepancy between your records and my own. Specifically, you stated that payments were not made to satisfy at least the minimum amount due from XX/XX/XXXX until XX/XX/XXXX, and again from XX/XX/XXXX until XX/XX/XXXX. This is not accurate according to my payment history. 

Given that you have confirmed a XXXX balance and closed the account as of XX/XX/XXXX, I request the following actions to rectify the situation : Detailed Payment History : Please provide a detailed breakdown of payments received and account balances from XX/XX/XXXX through XX/XX/XXXX to confirm the accuracy of the reporting. 

Correction of Credit Reporting : If the payment history and balance confirmation show that no payments were missed or late, I request that the erroneous late payment marks on my credit report be corrected immediately. 

Documentation Review : Kindly provide copies of all relevant documents, including payment receipts and account statements, to support your claim and my request for resolution. 

Reinvestigation : I request a thorough reinvestigation of my account to ensure that all reported information accurately reflects my payment history and account status. 

I trust that you will address these concerns promptly and ensure that my credit report reflects the true state of my account. Please update me on the progress of this request and provide a resolution at your earliest convenience. 

Thank you for your attention to this matter. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 




XXXX Name ; XXXX XXXX, XXXX, XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX ADDRESS : XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date U Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Credit reporting

Was unable to get my annual free credit report online from TransUnion. An error message claims TransUnion is unable to verify my identity, but no such error occurred with the other credit agencies. Because of that I 'll have to wait 6 weeks for one painstakingly ordered over the phone or purchase one online. TranUnion also makes it very hard to purchase just the report without a recurring $ XXXX service. I had to dig and dig for that option.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it is fraudulent & was opened without my consent or knowledge SANTANDER CONSUMER USA XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Money transfer, virtual currency, or money service

I received a text from Chime on XX/XX/2024 about a transaction attempt. When I replied " no '' I got a response that a customer service team member was going to reach out to me. They had all my banking info and called to tell me that there were a few attempted purchases being made. They said my account had been breached and they would have to close my account and create a new one. They instructed me to transfer money out of my savings and that a chime supervisor was going to send me a link to follow so I can attempt to test a transfer to create a new account. The agent told me there wouldn't be any funds taken out and it was only a test. Once I realized there was indeed a transfer happening I tried to stop it but to no avail. The person stopped contact and the call went silent. Everything seemed so legitmate because Chime does normally send a text when I attempt to use my card to pump gas or make other purchases. I called Chime to try and clarify if it was real and found out they don't make calls to customers and that's when I realized I was scammed. I tried to dispute it with screen shot proof of what I had. From the text messages to the incoming call from this person that impersonated to be a Chime Representative. Chime responded back and denied my claim leaving me at a financial lost of {$1900.00}. It also shows the person that scammed me was also a chime member so I cant understand why they couldn't help me retrieve my funds or at least put a freeze on that individuals account. I have already filed a police report and contacted Chime again about recovering my funds. I'm hoping they can credit me for the lost amount of money.
Product: Credit card

On XX/XX/XXXX, I noticed an inquiry on my credit report from Wells Fargo. I do not recognize or recall making any recent applications that would warrant this inquiry.
Product: Mortgage

I have a loan that was originated with a now defunct company. The XXXX XXXX 's office went to court and got an injunction against the company because the loans were deemed predatory in nature, the XXXX XXXX stipulated that the company or their predecessors would modify the loan in a fair and reasonable manner. This has not been the case, the amount they are requesting is multiple the amount before the XXXX 's office got involved. I am getting the run around and they are trying to take my home. This is my third complaint to CFPB, once they are contacted by you, they have boiler room staff cutting and pasting a non sensical response to waste time to seem like they are actively trying to resolve the issue when they are really obfuscating the truth to XXXX my property from under me. I was told yesterday to call back they are working on it, only to be denied and foreclosed on. Please get on these people this is ridiculous.
Product: Mortgage

I experienced a hardship due to covid around XX/XX/XXXX. I called Carrington Mortgage and was put in a forebearance program. The forebearance was up in XX/XX/XXXX. I called back and was told that my forebearance was up. I spoke to someone in their customer service. She stated that I would be put in another forebearance plan. She said that I did not have to call back and would be put on it for another extension. I called back a month later and they said that they did not say that. I called the advocate Dept and was told to fill out the loss mitigation application. I done that and was told they would look into what was told to me by management. I have been getting the run around and just trying to protect my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment appearing on my credit report for the account with Citibank XXXX account number. This entry, reported on XX/XX/2024, results from a billing error, which falls under the protections provided by the Fair Credit Billing Act ( 15 U.S.C. 1666 ). I contacted them numerous times and feel like Im being bullied for their errors.

According to the Act, consumers have the right to dispute billing errors, including those that result in late fees or incorrect reporting to credit bureaus. The late payment is inaccurate because I was never provided with the correct billing statement on time.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act, I respectfully request that this inaccurate late payment entry be investigated and removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

These medical accounts should not be on my credit reports they all are under 180 Days please Remove Off My XXXX credit report due too hippa violation!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

tried multiple times, credit repair companies. Will not fix. XXXX XXXX does not report amounts properly, mortgage goes up at certain points in reported. Reported mortgage late 2x 's in the past, they lost money in my escrow years ago by paying something they shouldn't have, and told me I have to call insurance company and following through for extra payment. It was there error. Then after trying to fix, now they report no data but wont fix. How can I prove proof of payment if they didn't process timely. Did payments online and over phone every time but if they didn't process correctly how can I prove I made the payment until they cashed or processes it. My mortgage is not in Foreclosure but treating me like someone who is. If all my payments do not go past 30 days for almost 10 years but 2 odd errors are there obviously Im not behind on mortgage. Most people default and it stays default. XXXX XXXX has such a policy of honestly lately. When questioning about my contract, and the terms, they told me I would have to send them a copy pointing out my insurance was prepaid when they have it. Just as much as the Fair Credit Reporting act is ... .. If they cant prove it, how can they report it and hurt peoples credit. There is no protection for the consumer. Your guilty to prove innocence. I have had the same problem with a few banks lately due to employee errors
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$7600.00} ; DEPT OF ED XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> ; XXXX.
Product: Student loan

I am writing because my student loan provider is NAVIENT. I currently have a debt of {$130000.00}. I 'm having issues because I am on a payment plan that I ended today XX/XX/XXXX due to them not keeping up on fixing issues that have been discussed. They are charging me late fees when my payments are automatically withdrawn from my checking account. I received my tax statement for XX/XX/XXXX and by there records with me paying {$580.00} a month I have only paid {$1500.00} in interest. They are also reporting on my credit report that I am missing payments and that they have been late but they are withdrawn every month on XXXX which was our agreement. Every person I have talked to about these issues through NAVIENT states they will resolve the issues but they are still occurring monthly. I 'm really attempting to work with them to repay these loans but the interest is at 10.2 % on some of them just building and building up. At this rate no matter how much I 'm paying monthly they just keep racking up fees that are not described in my statements. I 'm a XXXX and i do not make thousands of dollars a day like NAVIENT does. I need help I 'm drowning, and there are n't a lot of options for private student loan debt. I 've looked into other options they stated they would take {$90000.00} as a charge off but I unfortunately do not have that kind of money lying around.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ).

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX XXXX account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of XXXX XXXX account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately. 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXX that was placed on my credit report and each time I have requested proof that I owe this debt. ( See attached for list ) each time the request was ignored and I was sent an automated response that the debt is valid without any documentation or proof the account is mines ( see attached ) I have requested a full verification and validation and nothing was done. If the investigation was completed how is this debt valid without any documented proof. This is a complete violation of my rights. XXXX XXXX XXXX XXXXXXXX, XXXX XXXX compliance, Fair Credit Reporting Act, Section XXXX of XXXX ( See attached )