23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get the free annual credit report from all XXXX agencies yet was told I could only get XXXX scores, that credit scores were no longer given out unless I purchased : TransUnion : Purchase Your One-time Credit Score What You Need to Know : There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender. Purchase a credit score for {$0.00} ( plus tax where applicable ) by clicking above. 

XXXX : I had to request it via contact XXXX : no credit score offered unless I purchased Isnt the law set up so I can obtain my credit scores one time per year for free? 
Please investigate. 

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

looking over my credit report over and seen there are unauthorized accounts on my credit that does not belong to me and need them removed. this is holding up my process of purchasing a home and i have a legal right to dispute anything on my credit report that does not belong to me here are the 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate and unjust reporting on my credit file related to the vehicle loan for a XXXX  XXXX XXXX ( VIN : XXXX ) with XXXX XXXX XXXX. I am also requesting compensation for the financial and reputational harm caused by this inaccurate reporting and its continuing impact. 

The reported late payment entries and charge-off notations do not accurately reflect the circumstances of the account and its status. The account in question was involved in an ongoing arbitration process at the time of repossession. XXXX XXXX XXXX repossessed the vehicle during this arbitration, a process that should have paused any enforcement actions, including repossession, until resolution. This raises significant concerns regarding the legitimacy of the reported delinquencies and charge-offs. 

Summary of Reporting Issues Repossession During Arbitration : The vehicle was repossessed by XXXX XXXX XXXX while the account was under arbitration. This action was both premature and disruptive to the arbitration process, which should have temporarily halted enforcement actions. 
Inaccurate Reporting of Late Payments and Charge-Offs : Multiple charge-off ( " CO '' ) notations were reported for consecutive months. 
Late payments were reported without proper adherence to required notice protocols under the Truth in Lending Act ( TILA ).

This reporting exaggerates the delinquency and does not align with the actual status of the account. 
Violation of the 21-Day Notice Requirement Under TILA ( 15 U.S.C. 1666b ) : XXXX XXXX XXXX is required to provide at least 21 days notice before each payment due date on a closed-end installment account. Any failure to provide these notices invalidates the reported late payments and charge-offs. 
Fair Credit Reporting Act ( FCRA ) Violations : Under FCRA standards, creditors must ensure that reported information is accurate and complete. The inclusion of multiple charge-offs for the same debt and reporting delinquencies during arbitration reflects a failure to meet these standards. 
Damages and Financial Harm : The inaccurate reporting has caused ongoing financial and reputational harm, including but not limited to : Increased costs for obtaining credit due to reduced creditworthiness. 
Denial of financial opportunities, such as loan approvals and favorable terms. 
Emotional distress caused by the negative impact on my financial stability and reputation.
Product: Payday loan, title loan, or personal loan

XX/XX/2019 I received an email stating Refund ID : XXXX Merchant : XXXX XXXX XXXX XXXX ( XXXX ) Refunded Amount : {$5000.00}. 
I have begun refinancing my home and the underwriters are requiring a Paid in Full letter ( PIFL ) from Lending USA. I began contacting Lending USA on XX/XX/XXXX. At that time I requested a PIFL to be mailed to my PO BOX . When I called to check I was told their system can not load PO Box addresses, I have requested the letter mailed to the Post office street address on XXXX XXXX. Which It never arrived, I have requested the Paid in full letter to be emailed. I have waited substantial amounts of time for each request to arrive. I have received conflicting information from different representatives such as the letter can not be generated and I am to file a complaint with the credit bureau as this should never appeared on a credit report. ( this was never a concern, but to provide information for the refinance only ). I was told to allow 24-48 hours on XX/XX/XXXX for a supervisor to return a call. Today is XX/XX/2019, 5 weeks from my original request and I have not received a PIFL nor a call ; it has been beyond 48 hours. My refinance is held up for this Paid in Full letter and poor business practices from Lending USA. I  understand that Lending USA loans are made by XXXX XXXX  in NJ. This is not any way to treat any consumer. Plus I had  made it very clear I am a XXXX  XXXX Veteran, and reiterated the timely need for this letter. I have provided plenty of time to meet my obligations to my mortgage company, but Lending USA has not been able to take care of their end and is the sole reason for my inability to refinance, they have also created substantial emotional distress which has cost me days off from work and lost pay. I am beyond a dis-satisfied customer!
Product: Mortgage

I had lost my job and I tried to file a modification on my mortgage and Nationstar Financial denied me. I had met the criteria but they continue to deny me. I have started a new job as well as my wife. I ask for a forebearence to pay what I am behind. They bought the loan from XXXX XXXX XXXX and I had issues with them as well. I want to save my home or I will be homeless. I am a XXXX veteran and tried to go through every assistance program possible and yet no one can or is not willing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$82.00} XXXXXXXX XXXX  XXXX Balance : {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, MICROBILT CORPORATION add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, MICROBILT CORPORATION add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, MICROBILT CORPORATION add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, reported an error of 1st late payment from XXXX XXXXXXXX due to error from fraud. Dispute was not resolved. 

In XXXX, XXXX late payment reported. I called company to dispute. Nothing was done.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1000.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1000.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$18000.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$18000.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$1900.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I got referred to Albert by my friend and their joining terms promised to pay {$500.00} to me after completing the qualifying activities for the first 3 months ( direct deposit and debit card purchase ). After a few days of joining, I confirmed this over text support and they verified the same saying that they see me being referred by my friend which makes me eligible for the bonus. However, after meeting all the criteria I don't see {$500.00} yet deposited into my account. 

Also, after joining Albert, I referred two of my friends for a {$500.00} bonus each ( 2* {$500.00} = {$1000.00} in total ) and they joined via my link & completed their activities as well but I don't see any {$1000.00} deposit in my account for referring them. 

But now after a few months, when it comes to paying the bonus, I tried to contact Albert over email and they said they don't see I was referred by anyone which is not true. 

I hope this is not the experience you would like your customers to face. Please resolve this and my account should be deposited {$1500.00} in total ( {$500.00} for joining and completing activities + {$1000.00} for the 2 friends I referred ). Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't deserve this erroneous information, the accounts don't belong to me. I did not sign up for any of these. I have always been a responsible payor.. CFPB remove the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I have no information about this debt where it came from or anything related. It's the result of identity theft.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX I went to a branch of Citi Bank located in XXXX XXXX XXXX in XXXX. 
After I spent about an hour, answering to hundred of questions like phone numbers and addresses of my previous employers, and their phone numbers, I finally got the paperwork and termporary debit card. 

Same day, when I tried to activate my card, I got an error message. After a few tries I decided to call but the lady wasn't able to locate any of my accounts. 

I was trying to reach them next day, but the answer was the same. Then I called to the branch, but didn't get a clear answer. 

The next day, I spent another hour on a phone when another lady picked up the phone and told me there is no account, and I should go to the branch to start the process from scratch.
Product: Credit card or prepaid card

Made multiple payments and improperly charged interest on the payments.
Product: Credit reporting

I have disputed a judgement that is listed on my account. Transunion has signed for receipt of my certified mail dispute on XXXX/XXXX/2016 and Transunion has violated the law by not placing a notice of dispute on my account within 30 days. ( besides not sending me any verification and results of investigation [ maybe its in the mail? ] ) this is a goodwill attempt to solve this issue out of court. If transunion does n't remove the judgement in time I will sue in smalls claims court closest to me. I will demand {$5000.00}
Product: Checking or savings account

My son and I have a joint account with Citizen 's Bank. It is a student checking account. On XX/XX/year> I attempted to deposit a check {$6000.00} using the mobile app on my phone. Since that time, neither my son nor I have been able to access or use the account at all. I have called multiple times. The people I spoke to would not give a reason for the account being inaccessible. In the most recent call, I was told a letter was sent to me but the 'manager ' I spoke to would not tell me the contents of the letter. 
The next day I did receive a letter in the mail stating they are delaying the available of the {$6000.00} deposit until XX/XX/year> because " Some of the information on the check is not consistent with other information on the check ''. No one that I spoke to would explain to me why the entire account was locked rather than just holding back the {$6000.00}. It is now XX/XX/year> and the account is still inaccessible with no further explanation from Citizens. I have no idea of the status of the deposit and I am unable to get funds to my son away at college.
Product: Vehicle loan or lease

SANTANDER CONSUMER USA wrote off the Loan on my account as a lost to the IRS, They never sent me the 1099 form so i can pay taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX have all 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to remove multiple inquiries that I did not approve or initiate. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have attached 3/3 FTC reports including ALL OF THESE UNAUTHORIZED ACCOUNTS and UNAUTHORIZED INQUIRES that need to be removed. LAW FCRA Section 605B states my permission is needed to place items on my report. 

The accounts are as followed : 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

The car was sold by the bank and the account is a charge off now, I never got the notices from the bank for how much they sold the car, Please send me the documentation to verify that information otherwise delete accoutn from my credit repor XXXX XXXX  Account Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

Theyre is an inquiry that i never authorized. Please remove it off my credit report.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX, XXXX XXXX XXXX  has VIOLATED my right to privacy again by sending mail that explicitly advertised that the communication is for debt collection which caused me embarrassment and XXXX. Pursuant to 15 usc 1681f ( 8 ) which states : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 

This a direct violation of the federal law. The envelope clearly states XXXX XXXX XXXX XXXX which has caused extreme embarrassment! Please see attached evidence and please remove account immediately.
Product: Debt collection

I was in a car accident on XX/XX/2018, and now, three and a half years later, I received a collection notice for ambulance services. I did provide my health insurance information to the ambulance billing service, and didn't hear from them further till I received a collections notice three and a half years later. My health insurance doesn't show any claims from them - it appears that they never billed my insurance, never reached out to me again, and just sent the debt over to collections. They did bill my secondary insurance, which was my car insurance, as in the state of Florida all car accident medical claims must go through car insurance first. It was their mistake that they failed to bill my primary health insurance, even though they had the information. I'm especially aggrieved that they waited this long - this could have been resolved had they reached out to me in a timely manner.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPB ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with era and resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit card

Synchrony Bank closed a total of XXXX accounts. None of these accounts have ever been over 30 days past due. In addition, I previously filed a CFPB complaint regarding Synchrony closing my Lowes Account that I had over 18 years. 

For the Lowes Account ending in XXXX, Synchrony Bank sent me an electronic letter stating that they made a decision to close my Lowes account due to various reasons. I have been a Lowes customer for over 18 years and make monthly payments. In addition, I have other cards with Synchrony Bank that I pay monthly. I have not had to make any payment arrangements with the creditor on any of the cards. I do not have mortgage on my credit report because I inherited a home and XXXX acres that is paid in full. Over the past year, Synchrony continued to reduce my limit, causing several over the limit to occur. I continued to pay monthly. In addition, I was not provided with any notification that this would be considered after being a long standing customer with Lowes. I am asking that Synchrony either reopen my account or agree to a 30 % Settlement due to the tarnished relationship that they have caused. I would also like a letter of apology due the embarrassment that this has caused over the past year of having to contact them several times to mitigate the issue of them repeatedly locking my card in which I provided proof that it was in fact me making the purchases. Also, due to them closing my account, they have not only impacted my credit score, but the 4 authorized users as well. Remove them from this account. I can be reached at XXXX. 

In addition to my Lowes Account, Synchrony also closed the following accounts : Sams Club - Account Ending XXXX Closed XX/XX/year> by Synchrony - Reason : No reason provided. No letter received XXXX - Account Ending XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay Care Credit - Account Ending in XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay Ashley Furniture - Account Ending in XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits XXXX  reports {$470.00} experian reports {$0.00} XXXX reports {$240.00} they are reporting XXXX different dates of last payment on my report XXXX  and experian are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX but if you look on the 2 year payment history XXXX is also reporting XX/XX/XXXX as the date of last payment they are reporting XXXX different dates of last active XXXX  reports XX/XX/XXXX experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses