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

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
Because I did not apply for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureau on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX .... Balance : {$30000.00} XXXX XXXX XXXXXXXX XXXX Balance : -
Product: Money transfer, virtual currency, or money service

On XX/XX/23 a check was deposited for {$4900.00} because I received a job offer and the check was supposed to be used to purchase equipment thats what I was told. Once the check cleared and the money was made available I transferred {$1000.00} x XXXX ( total of {$2000.00} ) through XXXX from Citibank for a purchase of equipment on XX/XX/23. Then on XX/XX/23 we were notified that the check of {$4900.00} was a fraud and we lost {$2000.00}. If the check did not clear and the funds were not made available then the transfer would not have happened and I would have known that its a fraud. Since the check was a fraud and we already made the transfer of {$2000.00} I lost {$2000.00} of my own money which wouldnt have happened if the check was not cleared and I was made aware it was fraudulent. I have filed a complaint with Citibank and appealed it. I have provided them with all the information that I have for their investigation and I have called numerous times to find out if they received the information that I have sent over through fax and mail and no one is able to answer if they received the information and yet I have been denied a refund/claim. Im not sure how they are making a decision if they dont know they have all the information to do so. I am not able to talk to someone that makes the decision only the representatives and supervisors when I call Citibank they state they can only email or send a message over to the back office where decisions are made regarding frauds and investigations but dont know about if the paperwork I sent has been received which I was told to send over and have had to pay for. I have asked for all the information that was used to make a decision and I should receive it soon hopefully.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express : account ending in XXXX Due to my wife contracting the Corona virus my income was severly impacted for several months. I called my creditors including American express to ask for my payments to be waived during this time. American expressed agreed to waive 2 months of payments for the months XXXX and XX/XX/2020. As i promised I resumed payments in XX/XX/2020. I was informed that the payments i missed would be reported as missed on my credit file. 
I was told there would be no negative reporting to my account due to Covid-19 when i made the arrangements. 
It is illegal for American Express to report my account negatively as I did inform them of my situation with Covid-19 and resumed payments as agreed.
Product: Debt collection

Calling me before XXXX XXXX on XX/XX/2020. Calling me and saying it was a business call on XX/XX/2020 and not asking me what it was for. Never received a certified envelope in the mail or a due date for the debt
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX. My account number is XXXX. This account was opened as part of the requirement for my XXXX Visa to starting a business in the USA and was opened through XXXX XXXX attorney offices based in XXXX XXXX Florida. However, due to XXXX closures and delays, my XXXX Visa is being delayed. I must immigrate to the XXXX with my husband in order to get my XXXX  interview. To do that, I must be able to access my funds. Because of this reality, I need to freely access and potentially move the funds held in my account with REGIONS bank immediately. REGIONS bank has refused to help me resolve this issue and are holding my funds without my consent as as they said I need to be in the USA, and this is not possible as the XXXX is closed. 

On XXXX XXXX date I spoke to XXXX from XXXX XXXX XXXX Branch where my account was opened who stated he can not assist me as I need to be in the branch. 
Then on XXXX XXXX date, I was told by a XXXX who is the Supervisor from Regions that he was also unable to assist me and that I need a Social Security Number which I do not have but yet REGIONS were happy to assist me with just a Tax ID No. 
Again on XXXX XXXX date, the National Manager stated they could not assist me too as I need to be in the USA. 

This shows the pattern of inconsistencies and unhelpfulness from REGIONS Bank. My personal account has also become inactive as I can not move money because I am not in the States Because of the above, I am filing complaints with REGIONS Bank and XXXX XXXX. The resolution I need is to transfer my funds internationally to the XXXX so that I may book my XXXX appointment with them
Product: Vehicle loan or lease

My XXXX payment, XXXX payment were not posted until XXXX even though they were mailed on time. Due to snow storm in Texas. My XXXX, XXXX, XXXX payments all went to interest nothing to principal Making my credit look like I missed payments. I have been trying to deal with Santander Consumer USA since XXXX to straighten this matter out. I have gotten the same run around. XXXX  XXXX referred me to you. I am also complaining about the 25 % interest rate. 36 states are suing them for their illegal practices. I want my account set straight. I've already paid them what I borrowed for this loan. I borrowed {$11000.00} and they want me to pay them {$32000.00}. That's outrageous and then they want to pull this kind of stuff. You can't take advantage of people because it snows and you don't work. My payments were consistently paid from the beginning of my loan the same time with no changes until the mess up of missing payments during the snow storm. You can see that from my attached spreadsheet with every money order number date and statement date and date they posted it from the beginning of my loan. You will see where they have taken payments that have been made and days later reversed the payments and made them again. I'm also attaching a letter explaining their letter and a copy of the first page of their letter. So you can see the confusing and messed up stuff they try to use to explain what they've done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX a is reporting XXXX XXXX and NBC Management as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won XXXX XXXX XXXX  in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. This is your final warning. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX 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 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 that are reported 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 card or prepaid card

XX/XX/23 : I applied for an account w/Eastwest Bank XX/XX/23 XXXX Bank account XXXX was approved ; I applied for the XXXX XXXX XXXX that EastWest Bank  XXXX XX/XX/23 : My application was declined, no reason was provided XX/XX/23 - XX/XX/23 : I made several calls to EastWest bank , first to their online customer support ( Rep is XXXX  ) , then to the XXXX XXXX XXXX ( rep is XXXX XXXX ) . 

The reps demonstrated some confusion : XXXX recommended I apply as a new customer ( even though I was an existing customer ), I tried and the application just crashed ; XXXX stated that the XXXX card is no longer available. I believe XXXX then spoke to XXXX, so XXXX followed up by recommending that I apply at the bank branch in person. This is difficult, as I live XXXX hours away. 

XX/XX/23 : XXXX requested I forward her the reason for the XXXX card denial, I forwarded her the email ( which did not provide a reason ). I emailed XXXX and she looped in Online Banking ( Rep is XXXX XXXX ) XX/XX/23 : XXXX responded saying that I am not qualified for the XXXX XXXX XXXX, because I am an existing customer. I forwarded XXXX the page from the EastWest Bank website, stating that existing customers are eligible for the XXXX prepaid card. ( I also asked whether I would be eligible, if I closed my bank account, but did not receive a response ). 

XX/XX/23 : XXXX responded as follows : " Upon checking with back office, XXXX XXXX card is available for existing customers. However, we are sorry to tell you that your online application for XXXX XXXX was decline, and the application that submitted at the branch will get the same result. '' XX/XX/23 : I followed up XXXX, XXXX XXXX, requesting they provide a reason for future denials of the XXXX XXXX XXXX. No response. 

XX/XX/23 : I followed up again. No response.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply fo upon further investigation. I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit report but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including them again. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$580.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$630.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$5000.00}, XXXX XXXXXXXX XXXX Balance : {$770.00}, XXXX XXXX XXXX XXXX : {$11000.00}, XXXX XXXX XXXX Balance : {$8200.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Student loan

I have not completed my education, I am still enrolled and taking classes. The last class I took was finished in XXXX. To my knowledge and understanding of the law, student loan servicers are not permitted to request payments or charge interest on payments until XXXX months after the student has been out of classes. However, I am continuing to be harassed by nelnet claiming I owe money. I have spent over XXXX hours of personal time attempting to contact them and I have yet to speak to a human on the phone. I have sent multiple emails and submitted multiple deferment requests, all of which are being ignored. Meanwhile they continue to charge me, email me and call me with automated messages telling me I owe them increasing amounts of money.
Product: Debt collection

I was given a thee option to key and carry provided a lawyer and wont the XXXX deposit and money paid back according to the company after the case was completed they waited and went back and added the XXXX to my account unlawfully
Product: Debt collection

Jefferson capital system is reporting a debt on my credit report in the amount of {$13000.00}. This debt was reported on my credit starting XX/XX/XXXX. The loan which was originally provided by XXXX XXXX XXXX, was paid off in XXXX. Not only is Jefferson Capital reporting a debt that I do not owe, they have the wrong date of the account which is hurting my credit even more. I was never notified of my right to dispute this before it was reported on my credit. I disputed through transunion and XXXX  website in XX/XX/XXXX, but Jefferson capital still has not removed this off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} EQUIFAX XXXX : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX Balance {$900.00} XXXX XXXX XXXX XXXX  XXXX Balance {$900.00} XXXX XXXX XXXXXXXX Balance {$900.00}
Product: Debt collection

Commonwealth Financial Services has contacted me for a debt that I don't owe at all. It's for a certain person named XXXX XXXX. This agency has even reported this to my credit report which impacted my credit score so badly.

I called and explained to them that this is a mistaken identity but they still persist. I called the original creditor but they ignore my request to have my name be cleared. I wrote them twice about this but this agency still insists that I owe this debt even if i have a different last name and have never lived on the address they have on file and never received any medical services in that area.
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/year> SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year! 

Here are the items that I need to have fully verified as being 100 % accurate :
Product: Credit card

I applied for an Apple card a few weeks ago. Several people claim to have been approved for an apple card 6-12 months post XXXX XXXX bankruptcy so long as they did not include Goldman Sachs in there bankruptcy. 

I was declined due to recent late payments. Knowing that ive never had a single late payment in my life, I pulled my credit report. I had a wells fargo account on there that was reporting incorrectly as currently late ( this was discharged in bankruptcy over 12 months ago and had never been late ). I disputed it, and it fell off very quickly. 

So I reapplied and got declined due to bankruptcy. I was 2 days shy of my 12 month discharge date so I waited a week and now am getting a cant verify you as a decline reason You have applied a number of times and we can not verify the information you have provided at this time I called the number provided, ive been an XXXX user since the XXXX XXXX came out. I run XXXX of dollars through my apple pay each and every month, apple can verify me. When I called the number provided on the application it reads me a generic message saying please apply again.
Product: Mortgage

In XXXX, we filed a chapter XXXX bankruptcy in XXXX. In the bankruptcy we listed a house which had an FHA loan on it. The loan was serviced by Countrywide, who was purchased by Bank of America. We did not want to keep the property. The bankruptcy was approved, and our debts were discharged on XXXX. 

Since that time, the lender has refused to take the title to the house. We have made many attempts to sign over the deed. I have many notes of telephone calls, etc. They were not returned. This past year we even hired an attorney to contact BOA to facilitate signing over the deed. Her calls were not returned either. 

We have been told by several banks that we are unable to refinance our current mortgage or obtain a new one until this house is out of our name. Worse, we have been told that if the bank takes it by foreclosure, it will appear on our credit report as a new foreclosure, just as if a new financial crisis occurred instead of dating it back to XXXX. 

We believe that this situation is fundamentally unjust. We had to file for a bankruptcy due to a total XXXX. We are trying to get the fresh start which the bankruptcy laws are designed to provide. We have been managing our financial affairs quite well in the over six years that have past. How is it that Bank of America can be allowed to crush our future? 

We suspect that the whole problem is the FHA mortgage. As we understand it, when a borrower defaults, the US government steps in to make the mortgage payments. This continues as long as the house remains titled to the borrower. If the bank takes it back and sells it, the bank only receives a portion of any loss from the government. We understand that banks might or might not be the ultimate bondholders of the GNMA pool containing the mortgage. However a servicing fee is paid to the the bank. What inventive does Bank of America have to take back the title? From where we stand, they have no incentive. 

An interesting contrast is found with the other property we listed. That was not insured by the government. The lender with that mortgage took the title immediately, and sold it. The entire matter was complete within six months of discharge. 

We are asking the CFPB to investigate why this is taken so long, especially given the heavy documentation of our willingness to sign the deed over. Further we want the CFPB to insist that our credit not be harmed any further
Product: Vehicle loan or lease

I financed the vehicle thru Lexus Financial Services, the car was totaled on XX/XX/2019. My insurance company declared the car a total loss on XX/XX/2019 and informed me the amount of the total loss. They submitted a check to Lexus Financial Services on XX/XX/2019 for the amount. I was due a refund based on my overpayment. I have repeated contacted Lexus for the status of my refund due. They informed me that they only received the check from my insurance company on XX/XX/2019 this in spite of the fact that my insurance submitted documentation that the check was submitted by ACH on XX/XX/2019! Repeated calls to Lexus Financial have been made by me. I keep being told that they are still processing the claim. On XX/XX/2019 i was informed that the claim has been processed, i called on XX/XX/2019 and was told the claim has not been completed and they could not tell me when i would receive my refund. I will never use this financing company again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a unauthorized collection account on my consumer report. I did not consent to this item XXXX XXXX XXXX XXXX placed on my consumer report. My consumer report is my privacy and I feel i'm being taken advantage of and its embarrassing when I apply for credit and potential creditors see this unauthorized collection there.