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

Im writing this complaint today because experian is not doing a good job at investigating these accounts. these accounts are reporting inaccurately on my credit report. I sent debt validation request with account information to XXXX about account # XXXX and the documents I was sent back does not match with what experian is reporting. Date opened is mix matched across all the credit reporting agencies, high credit is inaccurate, On the account they are reporting with XXXX account number # XXXX claim to be a collection account but they are reporting there are late payments another violation. and the same with XXXX XXXX account number XXXX, This is claimed to be a collection account but is reporting late payments. I have attached copies of screen shots of the the inaccuracies reporting. The credit reporting agencies are getting away with a lot of violations to my consumer report and i am saving all of these communications and disputes just in case I have to take my case to court. A fair resolution will be for Experian to delete these accounts from my credit report and cease reporting them.
Product: Bank account or service

Good afternoon, Im following chain of command as i have been advised by my council. I have reached out to  American Express on s everal occasions only to be given the run a round. My account was compromised and i dispute the un authorized charges back in  XXXX . Its now the end of  XXXX  ( Outside of FDIC timeframe ) and still no resolution just a case were we keep re-opening a dispute! Every contact with customer service i have received partial or as i was advised wrong information there are  two transactions at   XXXX   XXXX   XXXX   and I 've never been there. Im attaching proof of my signature from my government issued id as well as the police report for this matter. Ican be  reached at  XXXX
Product: Credit card

I sell items online and have an account with several online vendors. XXXX of the vendors I found through XXXX ; it is a website called CJdropshipping. I had a customer order the item and the item should have been sent to the customer. However, the item was not sent to the customer ; it was shipped to a different address. I contacted this company to try to discuss it with them and they said they would look into it and never got back to me. I tried to reach back out to the company and still no response. Therefore, I disputed the charge with my card company and the card company sided in their favor despite the fact I had sufficient evidence that the item was sent to the wrong address and that the company did not fix the issue. After filing the dispute, I can no longer log back into my XX/XX/XXXX account which is how i was messaging their support team ; through the messages feature on their platform.
Product: Payday loan, title loan, or personal loan

A scam artist came across my social media profile online. His name is XXXX XXXX. He works for the United States Military and demanded my information after I declined several times he sent me pictures of him holding military graft firearms. He asked for my drivers license, address, school, bank information, and social security number. He began applying for credit cards to use at his discretion under my name. When I saw text messages from some of the companies I told him to stop applying under my name but he refused. He even went so far as to forge my signature and tried to provide them with copies of my personal documents such as drivers license, etc to make the companies think it was actually me applying for the accounts. I was charged for an amount by Fig Loans that later reported the fraudulent credit late on my credit report. This lowered my score along with all of the credit card company applications that fraudulently applied for by identity theft. Fig loans also billed my personal bank account and never refunded me the amount. I tried calling the company but they never answer. I also tried emailing them but when I did they stated they did not have my information in their system. This is contradictory to them reporting late payments in my credit report with my information.
Product: Checking or savings account

My mother sent me XXXX dollars to my account but American Express serve said I violated there terms by doing that it was money to help me make a down payment on my house her bank approved the transaction I have XXXX little girls under XXXX  yrs I have nothing then my tax refund was sent to that account of XXXX dollars they closed my account instead of calling or asking me about the transaction that was made it has the option to select transfer too account I dont need that need that kind of money on me to get robbed I been using this company for 4 years and this happens and they tell me I need to write them explaining about my money that is wrong and outrages please help me I have kids and that is all I had this happened XX/XX/20 help I'm a single mom
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 a hard credit check was done by SYNCB/XXXX followed by a charge and balance amount of {$3400.00}. Called SYNCB on XX/XX/XXXX was told they were reporting identity theft and would be sending out a claim information letter. 

On XX/XX/2023 a hard credit check was done by XXXX XXXX XXXX XXXX, at XXXX XXXX received an email with receipt of a charge for {$200.00}, at XXXX XXXX received a from XXXX Bank to verify if I was opening this account and replied no. 

I put a freeze on all XXXX of the credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : US SM BUS ADMIN ODA Address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Inquired on XX/XX/XXXX NOT Authorized! 

US SM BUS ADMIN ODA Address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

Transunion : XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX  Inquired on XX/XX/XXXX NOT Authorized!
Product: Credit reporting or other personal consumer reports

Mohela is reporting information about my educational record that they have no permission to report. 

Family Educational Rights and Privacy Ac

t ( FERPA ) Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interests ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.

There is no contract or written permission where I { put your name } gave any written permission.

If you Mohela believe that I have given you this permission I am requesting the document pursuant rule 1002.

Further more my non-public personal information is Private. It is also confidential and you are violating my right to privacy and confidentiality by reporting this information illegally without written permission.

I sent over a dispute letter to the CRA 'S and they did nothing they could not proof anything they do not follow the law.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the group naming themselves XXXX XXXX XXXX has by their claims purchased several of my old accounts and in the process has violated my federally protected consumer rights to privacy and confidentiality under 15 Usc1681 15 U.S.C 1681section 602A. States I have the right to privacy 15U.S.C1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following information : any other adverse item or information.other than the records of convictions and crimes which antedates the report by 7 years 15. USC 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 debt is too old
Product: Credit card or prepaid card

On XX/XX/2021 I was reviewing my credit report and noticed a negative entry added to my credit report by Military Star Card, stating my payment was late 30+ days with a XXXX past due amount. This information is inaccurate as I have never been late on a payment with my Star Card. In addition to this, it make no sense for a payment to be late with a {$0.00} past due amount. I respectively request for the negative entry to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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 XXXXXX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Checking or savings account

Signed up to get the overdraft fee if my account went over, instead of declining the amount. 
Wrote a check to my landlord for rent. 
Landlord cashed the check. 
The check posted in my account. 
Also that evening I got my pay check that covered all over draft fees AND the amount of said check. 
The check was returned, regardless of having the money in my account. 
Called PNC received XXXX different stories, XXXX from a supervisor in title only with no power name XXXX another from the rep. The rep was also rude with me, so I got rude with her. I dont care if shes been working here for 8 years. 
Why would the check post if it was returned? As well she said it was returned before noon, which was a HUGE lie because I saw my account at around XXXX and the funds had yet to be returned. 

So its either you guys like lying and making life harder for your XXXX customers, or you all need a system overview to go over and double check what I am seeing vs what you are seeing and having them be the same. Either way, PNC is staying true to its XXXX roots from the XXXX, if XXXX not XXXX  and in the upper class, I get treated like XXXX. 

NOW WATCH THEM REPLY TO MY COMPLAINT AND NOT ACKNOWLEDGE ANYTHING SAID
Product: Credit reporting or other personal consumer reports

ALL THESE INQUIRIES ARE RESULTS OF IDENTITY THEFT -XXXX OPENED XX/XX/year> XXXX OPENED XX/XX/year> XXXX XXXX OPENED XX/XX/year> XXXX XXXX OPENED XX/XX/year> XXXX
Product: Credit card or prepaid card

complaint is the exact same thing as my original complaint # XXXX and complaint # XXXX
Product: Credit card

On XX/XX/year>, I referred a friend from my XXXX XXXX XXXX to open an Amex credit card and they were successfully approved. The referral bonus conditions for this referral were XXXX bonus points to be awarded to me and an additional XXXX bonus points on all spend at restaurants worldwide, up to {$25000.00} of spend, for XXXX months from the time of the referral ( up to a total of XXXX bonus points ). I'm reaching out as I've been unable to get in contact with the compliance team at Amex. According to the terms of the offer, I would have XXXX months from the date of my referral ( XX/XX/year> XXXX XX/XX/year> ) for my dining spend to earn the additional XXXX bonus points. Just to confirm my understanding of the terms of this offer, I reached out to Amex chat support on XX/XX/year> to confirm the last day that my dining spend would be eligible for XXXX bonus points and XXXX from Amex confirmed the end date of this offer to be XX/XX/year>. Based on this info, I made XXXX dining charges during the period of May 14-XXXX XXXX : Ruckus Pizza on XX/XX/XXXX for {$26.00} and XXXX XXXX XXXXXXXX on XX/XX/XXXX for {$3100.00}. Based on these charges, I expected to receive XXXX bonus points from the XXXX bonus offer. After the XXXX week timeframe that points are expected to post to my account within, I noticed that the points still hadn't been credited. It took numerous attempts in contacting Amex to realize that buried in the XXXX XXXX XXXX is a line about this XXXX dining spend part of the referral bonus only being available for XXXX months from the XXXX referral. Since I had made a prior referral in XXXX, it turns out my XXXX charges would not be considered qualifying spend for this offer. This information completely contradicts what I had been advised of in advance by XXXX from Amex. The compliance team has provided a goodwill gesture of XXXX points due to this misinformation, but I'm reaching out for the remaining XXXX points that I should have earned as a result of this referral bonus offer according to XXXX from Amex.
Product: Vehicle loan or lease

i had a car and it put me down and they wouldnt fixed it and plus the state of Missouri has a lemon law that they didnt abide by so they still had my car and because of covid i couldnt get it fixed and my report shows charge-off and they violated the FCRA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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

ive disputed 14 times thru equifax trying to explain there the problem due to no information on my report as well as any creditor ive applied for credit has denied me due to equifax not supplying them my report yet after 5 calls to equifax theY still tell me its fine and theres no problem. when i sign in to there site to see my score and report its blank. ive disputed 14 times plus called as well as contacted your office which has not done anything either after 4 times attempting to get you to investigate to no avail. i willupload my screen shots of my blank reports that they replied saying i need to be specific about who and what im disputing. how can i be specific when there is not one name or balance nor creditor for mortgage, car, credit cards are even reported so How can i get this matter fixed
Product: Debt collection

This collection Agency Mrs. Association is reporting fraudulent information on my Credit report. They are a third party trying to collect a debt that is not owned to satisfy XXXX XXXX XXXX ( XXXX ). Provide me with a copy of the Promissory Note proving who owns the loans that I Co-signed and/or any documents to support the reason why they are reporting erroneous information.
Product: Credit reporting or other personal consumer reports

Greetings, This new complaint is associated with the now closed complaint number XXXX. XXXX XXXX sent correspondence to Experian and the XXXX other reporting agencies informing them that the XX/XX/year> delinquency should be removed from my credit file. After multiple calls, the delinquency was removed. On XX/XX/year>, the XXXX points that I lost on my FICO score was added back, moving my credit rating back to good from fair. 

Today, XX/XX/year>, I received another alert from Experian indicating that my FICO score had dropped XXXX points for a delinquency in XXXX. I called Experian at XXXX XXXX today and explained to the representative that the correction was just made for XXXX and now XXXX is showing a delinquency. I also informed the Experian representative that I do not have a balance on my XXXX XXXX XXXX nor have I been late. The Experience representative informed me that she understood my concern, but that Experian only makes updates based on the information they receive from creditors. 

I then contact XXXX at XXXXXXXX XXXX at XXXX am. XXXX is the individual who was assigned to the original complaint filed with the CFPB. I explained to XXXX what had occurred. She indicated that she does not know how this could have happened. XXXX could see on her end that I am not late for XX/XX/year>, nor do I have a balance. XXXX also indicated that XXXX XXXX would have not sent any information to the credit reporting agencies because my billing cycle for XX/XX/year> has not closed. XXXX indicated that she would give Experian a call, but she could not send correspondence asking for a delinquency to be removed because she did not see any negative information on her end. I informed XXXX that I would follow up with her next week. 

At XXXX am, I call Experian once again and spoke with XXXX. I informed XXXX that XXXX XXXX does not see anything on their end and that they would not have reported anything for XX/XX/year> since the billing cycle had not closed. XXXX said he would file a dispute on his end ; he was sending it to Experians investigative department. I asked XXXX what the process is in terms of filing the dispute. XXXX informed me that he could not provide any information as to the process. I then asked XXXX to connect me to someone in the investigative department. XXXX informed me he could not. 

My concern is that I am spending so much time and effort facilitating the correction of an error that I did not cause. My greater concern is that credit reporting agencies wield so much authority and power over our lives and yet we are limited to speaking with customer service representatives who read from scripts. IT would be help if the American people could actually speak with those who can provide substantive answer to our questions and concerns. 

I need to know when will my credit report be corrected and who is causing the error. Will the error move to XXXX when XXXX is correct? Both entities, XXXX XXXX  and Experian is indicating the other is causing this error. In the meantime, I am the one dealing with the fallout of a XXXX drop in my XXXX score once again.
Product: Money transfer, virtual currency, or money service

Company has restricted my ability to pay for online storage. They are currently holding my cloud storage data hostage and preventing every way of me paying except to use their credit line partnership. Company alleges t & c violation yet won't state what it is. I believe this is due to my XXXX  and my constant request for English speaking assistance. Discrimination at it's worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

I look on XXXX XXXX  daily. I saw a company called XXXX XXXX XXXX as a hard inquiry on my credit report on XX/XX/2018. I never authorized my credit to be ran by this company. I do not want a car. I have one. I contacted the fraud department. After researching they told me that The application was done online and they do not have a hard copy and my SS # is one number different than the applicant and the credit bureau accidentally merged our information. I called the credit bureau XXXX  and they stated it is not possible to have that happen and to call XXXX and have them submit an electronic request to have the hard inquiry removed from my credit report. When I called XXXX   back they said they could not help me and transferred me to their parent company santander usa. Santander told me XXXX will just keep transferring me to them bu there is nothing they can do because they do not have an application from me to even discuss with the credit bureaus about. I am all out of options. Everyone keeps telling me they cant help me. I am being penalized for something i did not do and I need the help of the CFPB to get this fixed. I understand an inquiry does not have a large impact on my credit score but I have a good amount I did myself and I am getting ready to purchase a home in the future and I do not want to be penalized for something I never did. Please help me.

XXXX XXXX
Product: Mortgage

I previously had my mortgage loan serviced with XXXX. I fell behind and got a modification which helped make my loan more affordable. I was current and up-to date. They then sold my loan to SLS and they stopped sending me monthly payments. I was confused and missed a payment or two. When I would call them they told me they could n't talk to them because I was in active bankruptcy even though it was 7 plus years ago and had gotten all of that taken care of with my XXXX. I had to get help from my son XXXX XXXX who works for a HUD approved housing counseling agency. We finally got them to give us information after we sent them the Ch XXXX BK discharge papers ; but again they refuse to send us statements because they say the loan has not been reaffirmed. From my understanding of Oregon State law that does n't happen here ; and I 'm not sure what else I can send them ; all I want is to be getting my monthly statements so I can see what I owe. I 'm caught up on my payments now but feel like this confusion and extra work that SLS made us go through when we had everything taken care of with XXXX XXXX XXXX before is n't fair. I called SLS to request they get the information from XXXX XX/XX/2015, they said they would open up a ticket. I called today, 5 months later and they never did anything. That ticket never went anywhere. I do not trust them as they 've showed they are unable to help me. It 's unfortunate that they 've made an issue over something that never should have been an issue in my opinion. I hope you can help me clarify this.