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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Product: Debt collection

I was on XXXX XXXX when i received this bill of {$730.00} from XXXX XXXX XX/XX/year> ( XXXX & XXXX ago ), my XXXX case XXXX XXXX XXXX XXXX, I've provided this information to the collection agency several times, it is now on my credit report, and according to Law 1681 medical information shouldn't be reported to the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

To whom it may concern, I'm just now finding out that my name was on the website for Equafax Data Breach Settlement Lawsuit # XXXX, but the deadline to file a claim ended on XXXX XXXX. What can I do, knowing that my information was sold and bought illegally because I was a victim of the Equafax Data Breach. Please help with this situation. 
Thank You XXXX XXXX
Product: Credit card

AMEX defrauded me of XXXX bonus miles and {$50.00} credit even after completing {$1000.00} spending within 3 months and XXXX SPG bonus points in SPG card AMEX sent me a mailer with a promise of XXXX bonus miles and {$50.00} credit even after completing {$1000.00} spending within 3 months.The copy of the mailer is uploaded at XXXX : XXXX However AMEX declines to honor it stating my claim for bonus miles for my Gold Delta SkyMiles ( r ) ( ending XXXX ) is invalid since I had the card before and hence ineligible for bonus. However, as the scanned invite letter from AMEX shows, it was an explicit invite application and nowhere was it mentioned that bonus does not apply to previous customers. AMEX has amended its rules past my application and continues to deny despite my best efforts to reach through their customer support and XXXX. AMEX has done so for my other AMEX XXXX Guest card ( ending XXXX ) in the same vein and defrauded me of XXXX SPG points.However, I failed to capture their mailer on scan. I implore XXXX to hold AMEX responsible to honor their explicit invite in my name with my Skymiles details for application and bonus miles which has resulted in over $ XXXX in charges on the account that could have been spent through a different credit card. Such " bait and switch '' of terms should be seriously reprimanded and I hope XXXX does more than being a messenger in the middle to scrupulous business practice by AMEX cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a student loan in XX/XX/XXXX/XX/XX/XXXX totaling more the {$16000.00}. Since then I've lost my job got married moved away and divorce. After losing my job I was unable to pay my student loans or bills. I did however, called the student loan department and file for deferment and forbearance until I was able to resolve my personal situation. It was until XX/XX/XXXX I was able to consolidate all my XXXX XXXX and make one payment. Transunion Reporting Agency is still reporting my XX/XX/XXXX/XX/XX/XXXX XXXX XXXX as delinquent. I've called the reporting agency ( Transunion ) to dispute the the closed and consolidated accounts and to them remove form my report and there response was to send in a consolidated later form XXXX XXXX XXXX and then the old account can be removed. I faxed over the latter and still not removed, I've called and ask why are the old account still reportingand there response was you have to get in writing from XXXX XXXX XXXX another letter stating, REMOVE FROM REPORT! This has been going on for several months. Back /fourth I called Transunion agency yet again and ask for the removal and there response was the accounts can not be removed for another 7-8 years from  delinquent reported date! That means the old account will have been on my report reporting negatively for more then 18 yrs. HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recall allowing these companies to check my credit report, it was not authorized and therefore must be removed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Product: Money transfer, virtual currency, or money service

PayPal is apparently trying to maximize their revenue by routing transactions to their preferred method of funding, despite my specific instructions to the contrary. I asked for two transactions to be placed on my credit card, but they funded via PayPal balance + my debit card. 

Additionally, they have created a complicated web of customer service interactions that ensures they do not respond to my complaint, but instead, send me repeated unrelated form emails.
Product: Credit reporting or other personal consumer reports

I do not recognize the inquiries on my credit report listed in the id theft report XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, EQUIFAX XXXX XXXX XX/XX/XXXX XXXX, XXXX, EQUIFAX XXXX XXXX XXXX CITIZENS, XXXX XXXX XXXXXXXX, XXXX, EQUIFAX XXXX XXXX XX/XX/XXXX
Product: Credit card

My name is XXXX XXXX I am keeping reporting my this issues over and over to yall for years and months and ages and no resolve still yet I didnt open a account with yall everything time I dispute the account account with yall and yall say I open the account when I never did I never authorized a account with yall or sign no paperwork or did a signature with yall to open a account and to get a card with yall or did business with one yall service or vendor my picture id was lost and stolen and used for yall and and ssn was used and I never did a hand signature with yall or yall service or vendor or a electronic one online or by device with yall or service or vendor my informations was stolen and lost and used without my permission and my first name dont match on yall record it is XXXX not XXXX and account information is XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX and credit card account number ending in XXXX dispute need to be reopen or investigative or reinvestigated or make into a new dispute for yall to investigate again and for any other accounts y'all open for no reason need to be disputed as unauthorized and fraudulent and charges disputes to {$0.00} because I am not responsible for this accounts and charges and dont open no new accounts for me when I didnt request it when I just report this issue as fraudulent unauthorized account open in my name without my permission and I want this to be favored in my end this is the last time I report this to yall I am tried of contacting yall about this and yall aint helping me next step I will take yall to XXXX XXXX XXXX and then take yall to court for a lawsuit if I have to after XXXX XXXX XXXX if yall dont favor this in my end etc Update I need yall to investigate this because yall decision in CFBP XXXX isnt truth I never open a account with yall and the name dont match on my picture id and this is fraudulent please reopen the investigation and investigate again etc Update this account Account ending in XXXX needs to be closed too as fraudulent open I never open and investigate and dispute as unauthorized and fraudulent and dispute the balance I am not responsible for for {$13.00} and waive it to {$0.00} and fully close the account out and stop opening new accounts up for me under new account numbers I didn't authorize for a account look at the attached below etc.
Product: Mortgage

I 've been working with  Ditech re garding loss mitigation options, I have been submitting all documentation requested on time and following up for updates 3 times a week. Since  XXXX   XXXX ,   XXXX   I have not been able to receive a call back from my Point of Contact   XXXX  . Numerous voicemails have not been returned and when calling Ditech to speak with anyone, they all direct me to her voicemail leaving it impossible to receive an update on my status that I have been working so long on.
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, I am devasted to discover that fraudulent accounts have been opened in my name at XXXX XXXX and XXXX due to the recent XXXX data breaches. To make matters worse the information that is being reported is inaccurate by every bureau reporting fraudulent accounts. As a hardworking american and father, I've always strived to maintain a clean credit history. Please help me by removing these fraudulent items from each of my consumer credit reports. I have tried to take care of this my self however the bureaus are not responding to my requests via priority mail or picking up my phone calls. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Verification XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Mistaken Identity Identity Theft I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX over the summer. While I was in quarantine, this particular account went 30 days past due. I was not in financial hardship but was sick. I was also having issues with this card 's online management tools, and identity theft I suffered due to my car being broken into. I explained this to the representatives. The first representative said they'd remove the late and late fee no problem. Upon initially trying to handle it himself, He advised that I would have to call back once the payment was posted. Of course, once they received their payment they changed their tune and denied my dispute altogether. I have dealt with identity theft and XXXX this summer. I don't feel I should be penalized by creditors for being sick and having my identity stolen which caused me to have to lend my attention to a host of things I've never had to deal with. It's disgusting that a business I've spent over $ XXXX in the first quarter this year alone is penalizing me in this fashion. I want this XXXX late removed as it is hindering me from the purchase of a business. I am hopeful XXXX  will reconsider its position, because I can't see myself doing any more business with them otherwise.
Product: Checking or savings account

I opened this Apple Savings account by Goldman Sachs Bank USA. When I needed the money to fund my investment and tried to withdraw from the account, Goldman Sachs refused to allow the withdraw. At one point yesterday ( XX/XX/2023 ), the bank representative advised me to lower the amount of withdraw, but when I did, it was declined again. I now can not get the fund I needed for my investment. They are refusing to give me back the money I deposited into the savings account!
Product: Credit card or prepaid card

I made a transfer on my account ending XXXX to my XXXX XXXX XXXX ending XXXX, however it went to XXXX due to an input error. The account is wrong and according ACH Network rules, the wrong account number I should be given the opportunity to get my {$4000.00} back. XXXX XXXX XXXX put in a research request and after an hour on the phone with XXXX she said " IF it gets resolved in your favor '' with no validation I will get my money back. USAA was made aware of the error within five days and was told on both occasions " because there are multiple disclosures '', I literally saw no disclosures nor do I read well. So I transferred the money assuming it was going to my account, unaware the mixed up in the last few digits. Making both parties aware of the issue, XXXX XXXX XXXX said the issuing back ( requestor ) USAA should have the ability to reverse or request reversal. They seem very unbothered that their client just lost {$4000.00} to a stranger and made no attempt to resolve it for me. I asked on a second call to escalate this claim. I am hoping for a timely resolve. XXXX XXXX XXXX  should be able to use the Tracer to move the money from the wrong account # XXXX to the correct account ( mine ) # XXXX Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My capital one account XXXX is not reporting on my XXXX report, It once was now it has disappeared it is showing on XXXX and XXXX. I have contacted both capital one and also XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XX/XX/year> Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, Tx, XXXX Subject : Request for Account Details Dear Sir/Madam, I hope this letter finds you well. I am writing regarding my account with Santander Consumer USA, referenced in the attached document. Please note that I am not disputing this account. Instead, I am requesting clarification and specific details related to its history for my records. 

Specifically, I would like to request the following information : 1. The date of first delinquency for this account.

2. The date of last payment made on this account.

3. The date of charge-off for this account. 

Providing this information will help me maintain accurate personal records. I would appreciate your cooperation in furnishing these details promptly. If there are any forms or processes required for my request, please let me know. 

Thank you for your assistance. Should you need additional information from me to complete this request, feel free to contact me at XXXX or XXXX. 

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

XXXX accordance with the fair credit Reporting act XXXX BANK ACCOUNT NUMBER XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

A charge of $ XXXX was placed on my XXXX XXXX XXXX The charge was at XXXX XXXX XXXX using a XXXX XXXX = XXXX CARD!! This is impossible as I NEVER use the XXXX Card and never carry it AND I have a XXXX 's Club card! In my query to XXXX, they refused to send me ANY docs substantiating WHAT was charged. I refused to pay and they eventually turned the charge over to XXXX XXXX. XXXX XXXX called to collect and I informed them I would be happy to pay IF... IF they would show me the actual transaction, which they refused. XXXX XXXX then reported it to Equifax and Equifax deducted XXXX points from my credit of XXXX to XXXX. I challenged the report to Equifax AND XXXX ; Equifax reported they had " INVESTIGATED '' and found XXXX XXXX 's report substantial, NEVER addressing MY request for ANY documents attesting to the charge. I should have paid the THIEVES!
Product: Credit card or prepaid card

I made purchase on XXXX for a collectible item on XX/XX/XXXX. I then initiated a return and proceeded to return the item. The item was received by the seller and he confirmed this but XXXX and my bank never returned the money to me. Now I am out {$6100.00} and the item I purchased I don't have either.
Product: Checking or savings account

I am writing to lodge a formal complaint against Citibank regarding the abrupt and unexplained closure of my savings account, and their subsequent refusal to release my funds or provide a clear explanation for their actions. 

On XX/XX/2024, I opened a savings account with Citibank, prompted by several solicitations from the bank itself. Following the opening of my account, I transferred {$120.00} from my XXXX account to my new Citibank savings account. It was not until XX/XX/2024, when I received an ATM card, that I was able to access my account online. The following day, I made a test transfer of {$50.00} back to my XXXX account to understand the transaction times involved. 

On XX/XX/2024, I transferred {$7500.00} from my XXXX account to my Citibank savings account, for which I received a confirmation email. However, the very next day, I discovered that my access to my account had been blocked without any prior communication from Citibank, whether by mail, phone, text, or email. 

Upon contacting customer support to inquire about the situation, I was met with a refusal to provide any details about the matter, with the only explanation being that Citibank had decided they no longer wished to have me as a customer. This was attributed to matters handled under their fraud prevention measures, yet no evidence or specific reasoning was provided. When I inquired about the return of my funds, I was informed that it might take up to XXXX days, a time frame that is both unreasonable and unsupported by any clear policy or explanation. 

This lack of communication and the refusal to engage with me on the matter has left me feeling unjustly treated and suspected without cause. The funds in question are rightfully mine, and the abrupt denial of access to them without a clear and justifiable reason is not only distressing but also potentially detrimental to my financial well-being. 

I kindly request the intervention of the Consumer Financial Protection Bureau to assist in resolving this matter. I seek a full explanation from Citibank regarding the closure of my account, immediate access to my funds, and assurance that such incidents do not recur in the future to myself or other customers. 

Thank you for your attention to this matter. I am willing to provide any further information or documentation as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account that is on my credit report that is not mine I have been trying to let the bureaus know that this is not mine and nothing has been done. I have opened an FTC report regarding this and nothing yet. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. XXXX XXXX XXXX Account # XXXX. You are reporting a late payment in XX/XX/2020 yet XXXX and XXXX are reporting paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing several negative elements of my credit for more than 90 days and I have not obtained any result or response from the credit bureaus. I am trying to fix my credit because I want to buy a house, however the bureaus have been very irresponsible with my case.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX.
Product: Checking or savings account

On XXXX XX/XX/2022 a withdrawal of {$220.00} was taken from my account without my knowledge. I usually check my account on a daily basis. I noticed on XXXX XX/XX/2022 that there was a bank debt transaction in the said amount. I called Regions Bank customer service to dispute this transaction and was told that it would be reported. I called them back a week later and was told to go to a branch location to file a dispute. XXXX XXXX at the branch took the dispute statement on XXXX XX/XX/2022. I called customer service again on XXXX XXXX and was told by someone named XXXX in XXXX, TN. That I wasn't going to get a refund because of a pattern of me using the same ATM in the past. Which didn't make sense to me. I have a choice of what ATM I want to use. XXXX XXXX will not return my calls.