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

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX out of business for bad business practice. Unresponsive. No longer XXXX  accredited. Never late on payments XXXX. Paid as agreed. Proof attached.
Product: Credit card

I purchased an item with my Macy 's credit card, and never received notice of my late payment or my account statement balance. I discussed the situation with Macy 's and they removed the late payment fees because they acknowledged that I never received a formal invoice requesting payment. My credit score has been severely affected by this situation and I would like to know how it can be fixed.
Product: Credit reporting or other personal consumer reports

I contacted XXXX to dispute an account that is open my profile. They responded to me saying the account is not listed on my credit report. XXXX account number XXXX amount owed is {$0.00} Yet they sent me a copy of my credit report and it is clearly listed on my credit profile. I have provided a FTC theft report to them and will attach again. I will proceed with litigation under the FCRA if this is not removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent Inquiries on my credit report. XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. it has been over 60 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted at once. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have go into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report false as well as fraudalent information on my credit report.Dispite me disputing multiple accounts for years they refuse to follow the law as according to Fair and Accurate Credit Reporting Act. 
1. XXXX was never late and they continue to report false information. 
2. XXXX XXXX was opened fraudalently and they refuse to remove it. 
3.XXXX XXXX XXXX  was never late and despite me faxing this company proof they continue to report false information. 
4.my credit age is wrong I have a XXXX student loan open for 18 years XXXX never reported any payments 5. XXXX is showing all of my open XXXX student loans as closed with a balance.
Product: Credit reporting or other personal consumer reports

I have asked help in updating the incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sharing credit information with unauthorized parties, this isnt legal
Product: Credit card or prepaid card

Amex offered a XXXX dollar credit if buying XXXX XXXX XXXX, which i did buy. I never got my credit so I inquired with AMEX via online chat. 3 reps have told me that I was wrong and that the discount was applied upon purchase which was incorrect, nothing was mentioned of a discount and I never received one up on purchase or a credit to the account ( which is how they always have worked before ) I had to inquire with 3 reps that all denied the claim. I was then mad about having spent so much time getting a promotion that should have applied automatically to which the customer care team didn't seem to care about. I asked for inconvenience credits since i spent over an hour disputing, taking away from my job. The reps said they can't issue any credit. to which I said " of course you can '' they tried to say they couldn't until they finally gave me 10. I just do not like AMEX customer care, they are ruthless and out to get you! This is horribly unethical and I did not appreciate the poor service.
Product: Debt collection

I've gotten calls from these people for the last year or more, so I decided to call back with the reference number they left on my answering machine but it was for someone I don't know. The ref # is XXXX, and she was looking for a XXXX XXXX. I explained to her that that person don't live here and I don't know him, so she said she would take my number out of their system. That was on the XX/XX/19 XXXX but she did not. So I get another call from someone name XXXX, she didn't give me her last name but this was on the XX/XX/19 well she told me the same thing she would remove my number, but the calls are still coming. I get two calls in the morning and I get two in the late evening and their coming from XXXX XXXX XXXX. And sometimes from their outside company XXXX XXXX.
Product: Credit card

i hate doing this. it makes the bank mad and at a tough time for me it takes time. i have emailed XXXX at least twenty times about this issue they seem to have the money to pay people to just secripting me to death. you will have this resolved blah blah spending more money to pay peoiple to send it then to refund me the dollar i ask for in interest DESPUTE its valid and its been returned before. please dont come back with that answer. i have heard it before i have millions of medical debt for my son and a ; lease on a home i own that was defaulted i dont need problems over a dollar. Red tape and bureacracy really impersonalizes the banking industry. I have had to suspend my use of the card. please refund without a script. XXXX forgives my balance. i am a GOOD customer i want loyalty and am tired of scripts. you have spent more sending me scripts in the last 30 days then it would cost to refund me. PLEASE dont send credit card agreement not asking dont need. just need my dollar back please. this whole thing is demoralizing and time consuming.
Product: Debt collection

I received correspondence from this company twice. Both occasions, after requesting validation of debt, and not receiving the validation in a timely manner, or return phone calls, this company filed suit in XXXX XXXX in XXXX County,  New Jersey. Let me be clear, at no time did I deny the debt was mine ; I requested validation so that I could compare my information to the information I was being sent. Under the Fair Debt Collection Practices Act, ( " FDCPA '' ), it is my right to request validation of debt. This company ignores those requests. I honestly do not know how their clients can be so clueless as to allow them to continue to do this sort of practice of debt collection.
Product: Student loan

The balance on this loan doesn't seem to ever decrease as they continue to increase interest, fees, etc. I want this forgiven due to the debt already paid. I called and spoke to service provider AES who has nothing to do with making any arrangements and called national collegiate and was told they can't do anything. Please review, is there a promissory note, this is unfair that I can't get any answers or assistance. 
Originsl balance, {$29000.00} int 6.75 %
Product: Debt collection

The above Case # XXXX number is depriving me of inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. 
According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated, I contacted the agency and no response, this has affected my way of living, been placed on my credit profile and according to the FCRA section 607 ( a ) requires that consumer reporting companies, among other things, must require that prospective users of consumer reports certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. 15 U.S.C. 1681e ( a ). 13. 15 U.S.C
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, Experian, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX XXXX  is reporting late payments XX/XX/XXXX through XX/XX/XXXX, Experian is reporting no late payments and XXXX  is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX  considered to be furnishers? These accounts were not paid late and XXXX, Experian and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit card

Barclays closed XXXX of my credit card accounts. Notification was received via letter dated XXXX/XXXX/2015. The letter states " we regret to advise you that we are unable to maintain an account with you because of your history of usage. '' I received no prior communication from Barclays indicating any issue with the usage of my card accounts. If Barclays means a history of usage that includes 100 % on-time payments, varied and numerous purchases, and an impeccable 20-year credit history ( my last credit application a month ago had a FICO score of XXXX, as reported to me by the lender ), then I can only arrive at the conclusion that Barclays chose to close the accounts to avoid paying out substantial earned yet unredeemed rewards points. The Arrival card account had at the time of closure XXXX miles as shown in the attached account summary. The Arrival miles are redeemed with a 10 % bonus against travel expenses worth {$3500.00}. The Upromise card account had XXXX transactions that started to age, coincidentally, on XX/XX/XXXX to earn the bonus 4 % rewards for using the Upromise shopping portal in conjunction with the credit card. This bonus takes 8-12 weeks to post with the first transaction hitting that milestone on XX/XX/XXXX. I estimate the value of those rewards to be roughly {$440.00} ( XXXX transactions x {$1200.00} average price x 4 % ).
Product: Credit reporting or other personal consumer reports

I have reviewed the copy of my credit report and found fraudulent accounts and this is hurting my ability to obtain credit which is against the fair credit law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original request sent via CFPB portal on XXXX XXXX XXXX XXXX XXXX XXXXXXXX. To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

this what Eqiufax which is inaccurate XXXX XXXX  XXXX/XXXX  XXXX Reported XX/XX/2020 82 % Balance : {$1600.00} / {$2000.00} Overview You're currently using 82 % of your account 's limit. 
Balance {$1600.00} Credit limit {$2000.00} Minimum monthly payment {$55.00} Opened
Product: Bank account or service

My checking account with Huntington Bank, # XXXX, is set up to automatically make a payment every month to XXXX on XX/XX/XXXX. XX/XX/XXXX, my automatic payment was not made and no notification was given to me regarding the lack of payment. As a result, XXXX reported me to the credit bureaus as being 30 days late. I found out about the issue on XX/XX/XXXX and manually created a payment for {$120.00} to be send to XXXX on XX/XX/2016 ; so if you look at my history, XXXX payments went out on this day - the one I input the the normally scheduled payment. 

I had plenty of money in my account to cover the {$120.00} payment on XXXX, but even if I had n't, Huntington bank should have at least notified me of the issue. I talked to XXXX and because I had never been late on a payment before, they waived the late fee, but I was still reported as being 30 days late. I need my credit reports fixed.
Product: Credit reporting or other personal consumer reports

I must express my inability to accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. This raises serious concerns about your authority to determine what constitutes a material fact. Your role does not grant you the powers of a judge or jury, nor the inherent right to make such determinations. 

According to Federal Trade Commission ( FTC ) guidelines, when an FTC identity theft report has been filed with a law enforcement agency ( including the FTC itself ), the protocol is to adhere to the law and investigate accordingly. 

I am giving you one final opportunity to process my request regarding my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a case, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured. During legal proceedings, what constitutes a material fact will become clear, and you may be required to compensate me for your negligence. 
XXXX XXXX XXXX XXXX.
Product: Debt collection

On  XXXX  I received an alert from my credit monitoring service that an account had been added to my   XXXX    and   XXXX   report. On  XXXX  I received another alert that the account had been added to my  XXXX  report. I have no knowledge of this debt. This company NEVER sent out a dunning letter for me to respond to and just put this debt on my credit report which is against the law. Filed a complaint and the response from the company was they did not have an account for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$6000.00} of balance from SANTANDER BK, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.
Product: Credit card or prepaid card

Since I have opened my PayPal Extras Mastercard account, I am told I am accumulating points that expire after 24 months, and I am seeing these points expire month after month after month without the ability to redeem them on their online site. I know that I am paying a premium in my finance charges for this feature, but am not able to access the points I am eligible for and the company continues to expire them. I have asked for all my expired points to be reinstated and for me to be able to redeem my current points. I realize with the COVID situation, it's hard to talk to someone, but Synchrony Bank inherently makes it difficult to raise the issues through their automated question service, then it goes offshore to people who don't understand the issue. I find this practice VERY deceptive of offering points, then expiring them, and not letting you redeem them- this has been going on for a VERY long time, so I would like to claim my benefit.
Product: Checking or savings account

XX/XX/XXXX Hello, Around XXXX, I owned my first house. My loan was through Wells Fargo. During the time of ownership, I secured a Second Mortgage from Wells Fargo. In order to qualify for the loan, I had to open a Savings Account through Wells Fargo and put in {$500.00} in that account. 
One of the stipulations of that account is that I had to keep the 2nd Mortgage account open for a minimum of 5 years or I would lose my {$500.00}. 
As life happens, I got married and we sold the house. This sale happened within a year or two after receiving the money for the 2nd mortgage and I paid off the 2nd mortgage loan. 
I never received my {$500.00} dollars back from my savings account when I attempted to withdraw the funds. I inquired why they would not let me have my money back. I was told because I did not satisfy the requirement of the loan. I told them I paid the loan off early because I sold the house. 
They thanked me for paying off the loan but still wouldn't give me back my {$500.00}. I said to them, then keep the 2nd mortgage active until the 5 years are up. They responded they couldn't because I sold the house. I said, " RIGHT? '' So give me back my {$500.00}. They said they couldn't but I could speak to a Supervisor. I tried multiple times to speak with the male who was in charge but he was always busy or not in his office. He would not even return my phone calls. 
I don't remember his name. 
I know this is a long time after I had that account. I tried to get my money back, I tried to communicate, but Wells ' Fargo would not. They took my money and it is and was wrong then AND NOW. I ONLY WANT WHAT I PUT IN THAT SAVINGS ACCOUNT, {$500.00} Thanks
Product: Credit card or prepaid card

I have received 4 different letters in the mail, from 4 different companies ( Target, XXXX some outdoor store in OH, and XXXX ), saying that either the application was denied due to credit score or lack of information. One application said it was approved, and I still need to contact them to close it, but need to wait until after the weekend. 

I unfortunately didnt keep the paperwork after calling the companies, so I dont remember the exact dates, but they were all around mid-late XXXX 2021. All of the companies filed a fraud report and closed the accounts that I received letters for.
Product: Credit reporting

Unable to dispute and remove my " consumer statement '' via Transunion website. Website keeps bringing my to my last dispute results.
Product: Credit reporting or other personal consumer reports

XXXX XXXX loans were transferred to XXXX in XXXX. Total is near XXXX and my fresh start save application was approved prior to the transfer. 
XXXX made up a loan I do not have for XXXX and growing on my credit report XXXX per month. 
I do not have A loan in that amount. XXXX and XXXX did not do their due diligence as required by law. Screenshots from my account on both the lender and servicers portal .They report XXXX originally XXXX and now owing XXXX with interest accruing for 240 months. My loans are are not consolidated. 
I lost a car loan in XXXX due to this and was denied credit specifically due to my monthly obligation and utilization. Approved XXXX  days before. This went on and ruined it. I want it fixed. I expect compensation either voluntarily or in small claims court
Product: Credit reporting or other personal consumer reports

This late payment doesn't match my usual on-time payments. Please remove it and update my account without delay.
Product: Mortgage

On XXXX Amerisave Mortgage called us in regards to a VA IRRRL Streamline Mortgage Refinance loan. After they told us we could get a 2.75 % interest rate for the streamline loan we started the refi process. We then provided all documents which were uploaded into their system as requested. Then things went downhill. We waited 3 weeks and then reached out to our loan officer by email and voice mail but no response. Then after 45 days an underwriter called us and left voicemails but when we called back all we got was the underwriter voicemail. The underwriter never sent us an email so we could not respond via email. Then we had several online chat sessions and made a complaint that we were being ignored. The today, over two months later we received a NOREPLY email from Amerisave Mortage saying they could no longer process our refi. We DID NOT start this process, they did. They sent us a mortgage rate lock document and asked for many documents that we provided. Our credit score dropped because of this because they ran a hard inquiry. So all this effort on our part and now a lower credit score and have nothing to show for it, except that Amerisave Mortgage should be disqualified from doing VA loans. We are a XXXX XXXX XXXX veteran who does not need this total disrespect and unprofessionalism from any Mortgage Company. The Veterans Administration needs to Vet the mortgage companies that offer VA loans. When we purchased our home the other mortgage company was professional and timely. We logged into our account today XXXX and ALL documents we unloaded into their system have been deleted. So they are trying to hid the fact we provided many, many documents as requested.