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

I am filing this complaint to TRANSUNION. I am requesting that all late payments markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

Contact company to remove information. Company responded by stalling and prolonging request due to address verification needed. I provided drivers license with request verifying address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX! I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Product: Checking or savings account

When making an online, in person, cash withdrawal or cash transfer my card is blocked and declined. My direct deposit arent always reported. I also believe that my funds are being misused by the Financial institute. They have decreased my daily spending limit from XXXX to XXXX. When I asked why I wasnt given an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolved this and many accounts with chase bank several times please see attache documents that you can clearly see i had a judgement against Chase Bank for and incorrect statement. chase had to pay me the consumer. remove the balance on the account to XXXX  back in XXXX, XXXX. By thier own Attorney XXXX XXXX and thier agreement signed. 

I tired to get a gredit card in XXXX of XXXX with XXXX rewards, and chase refused, so I could not be apart of the rewards of XXXX. because chase hold that card. 

I tried save myself XXXX on an order, with XXXX and Chase holds that card. so I could not get that card either. the credit application was returned in 3 seconds flat and the name Chase was returned on the scree. it was very clear to me this is not due to my credit is because chase bank is hold a grudge against me for the judgment in XX/XX/XXXX,  if they paid the insurance policy thsi would not have been a problem please see attached documents. all trade lines were to be removed in XXXX, XXXX againts all socials attached credit card. according chase XXXX in the executive office they are on my reports and derrotory statemens from XXXX not to do with an auto loan, or any other loan. auto loan was paid in 11 months. Chase is discrimination when I apply for any card they have, the consumer has no idea who holds the card until it returned and then they state to many cards applied. chase is destroying me this way too! I want chase bank to remove all the credit card applications applied remove for my credit report.
Product: Credit reporting or other personal consumer reports

I filed for XXXX XXXX XXXX in XXXX of XXXX. I have an auto loan with Wells Fargo that was reaffirmed in the process. My XXXX  was granted and closed XXXX of 2024. Since the reaffirmation of my auto loan with Wells Fargo they deleted, not charge off or listed as resolved in the XXXX, completely deleted the loan all together off my credit report. It's like it never happened. I still have the loan, it was reaffirmed, meaning I still have a legally binding loan on paper, and have made all payments on time. I have called Wells Fargo and stayed on the phone for hours being transferred around and told all kinds of things. They admit that the loan was deleted, that they are not reporting the loan, not reporting the affirmation or my payments to the credit bureaus. I asked several times for them to report it and was told no. I just want to try and rebuild my credit. I only saved my car from the XXXX. I did everything that they asked me to do to reaffirm my loan and not only did I lose my past payment history with the loan but I now am paying on a loan that only exists with them and no one else on XXXX. I never paid my loan late even before the XXXX. I was always current. I still am current. I only XXXX credit card debt after a XXXX. The car was never in danger of being late.
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the 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 XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I disputed this with the credit bureaus XXXX  XXXX  and XXXX i asked them to re investigate the completeness and accuracy of my account on my credit report i got my investigation back and i noticed they didnt update or modify my account
Product: Credit card or prepaid card

I bought two XXXX  at the Minnesota XXXX center XXXX XXXX using the Apple Card. I was charged for FOUR XXXX  Subsequently there was another charge in the amount of $ XXXX I filed complaint with the CFPB ( XXXX ) I was refunded the illegal charges ; but the balance on the Apple Card remained and it accrued interest too. 
All purchases transactions and illegal charges are on the Apple Card account. 
Apple Card/Goldman Sachs cant deny this illegal practice.
Product: Checking or savings account

usaa rejected 3 of my payments when i had money in the bank. not only did they charge me XXXX dollars but one of my payment companys charged me a XXXX dollar return fee. USAA returned XXXX dollars but not the whole amount which they caused me to be charged. I'm asking that USAA return XXXX dollars in total that is still not returned. attached are screen shots.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, XXXX and Equifax have violating my rights by publishing inaccurate information about me and my account with XXXX XXXX XXXX XXXX. 

I was one of the thousands of consumers affected by XXXX XXXX XXXX XXXX deceptive business practices. I made my payments on time and XXXX XXXX intentionally altered, delayed the payments so they would appear late. I disputed and complained many times to the credit bureau the inaccurate XXXX XXXX XXXX XXXX information in my credit file but I am continuously ignored. 

Can you help me? 

XXXX XXXX XXXX XXXX  Account number beginning XXXX
Product: Checking or savings account

I have a locked account that I am trying to get unlocked so that I can get my funds out of my XXXX account and close the account. I filed a deposit dispute the day before my account was locked XX/XX/23 and on XX/XX/23 they were saying I had to send information about a card that I did not link to my account. I believe someone else had access to my account and that is why an unidentified transaction was also made. XX/XX/23 they asked for additional information, I sent in my information and they said I needed to send in additional information that I am not in possession of. Today, XX/XX/23 I called and emailed once again and stated I was not aware of any transactions or linked cards/accounts to my knowledge. Yet they are still asking for information I can not give them. I am trying to receive my money that was deposited into my account from my job, and close the account so I will no longer have connections with them. The funds I am trying to retrieve are in my XXXX account that I transferred myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with identity theft issues for the last several years. A while back I was notified that important information was exposed in the XXXX data breach. I didnt notice anything strange until a few years later when I received another notification about a huge data breach with XXXX. After these events I noticed random inquiries that I supposedly applied for credit with, but this was not me. So I started looking into it and I ordered my credit report. Once I got my report I was able to detect fraudulent information reporting on my credit file. This was definitely fraud
Product: Credit card or prepaid card

I received the following e-mail on XX/XX/20 : Important information from Chase Support XXXX XXXX XXXX Note : This is a service message with information related to your Chase account ( s ). It may include specific details about transactions, products or online  services. If you recently cancelled your account, please disregard this message. 


Dear Chase Customer : We need your help resolving an issue with your account, Until you help us resolve this issue, we've temporarily suspended your account ( s ). 

To resolve this issue, log in using the link below : www, chase,  com/resolveandupdate complete the steps to confirm your identity and recent account activity For any questions, please contact XXXX   customer service representatives Monday through Friday, Online chase Sincerely, Online Banking Team
Product: Checking or savings account

On XX/XX/2021 I wrote a check on my account at KeyBank to XXXX by XXXX for a window replacement in my home. When I saw the replacement later that day, it was shoddy. On XX/XX/XXXX at XXXX am I went to KeyBank and stopped payment on that check. That was check # XXXX in the amount of {$7600.00}. The bank sent me a written confirmation that they had stopped payment on the check within a few days. I also informed the window company that I had stopped payment on the check. They nonetheless presented the check for payment several weeks later and the bank paid it. I have spoken with several people including the bank manager at the XXXX XXXX of KeyBank. Today I received a notice from the Key Bank Adjustments Department stating that the bank credited my account in the amount of {$.00} in this matter. Apparently they stopped payment on a check for {$7600.00} and not {$7600.00}.
Product: Mortgage

Citibank changed its loan administration to XXXX and in the process changed my account number, which meant my payments did not go through for XXXX and XX/XX/2019. During these summer months I was taking my kids back to XXXX to visit family for a once in a lifetime trip. I did not realise that the payments had not gone through as there was money in my account and I had no reason to belive there would change my account number. Upon my return, I noticed the payments had not been taken and immediately went to a branch and paid everything I owed ( including late payment fees, which I was livid about as the branch staff admitted fault that the payments were missed due to them changing the loan account number! ) I then was even more annoyed to find that they had posted the lates on our credit report, and despite numerous phone calls, trips to various Citibank branches in XXXX and XXXX XXXX, and letters to citibank and the credit bureaus pleading with them to remove the lates from our credit report Citibank refuse to, saying " the payments were late so the report is accurate ''! 
This has cost me so much money as I have been unable to refinance my mortgage, ( which is currently at 5.25 %, when interest rates are at an all-time low!!!! ) We were also planning to purchase a holiday property and were forced to take on an expensive private loan, which we still can't refinance because of Citibank! 
I found out this week that Citibank had no right to report us as late within 2 months of an administration change over ... so I am begging you to help us get these late reports removed from my and especially my husband 's ( XXXX XXXX ) credit report. Thank you for your help. We really appreciate anything you can do, as Citibank made extra money from us, in late fees, from their administrative changeover and yet they refuse to help us despite not suffering any loss from us. So it really is no skin off their nose to remove the lates and it is not honest of them to imply that we are more of a credit risk because THEY changed our account number without us realizing. 
I attach proof that there was money in my account that the only notice we received to infomr us pf the account number change arrived in XXXX!
Product: Credit card or prepaid card

I received the Indigo card services By Genisis FS Card Services XXXX Approximately 3 months ago. I have sustained a leg injury and have been out of work for several months now. I have gotten some calls from the organization after explaining to them the circumstances.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Inaccurate payments dates. Inaccurate full name, inaccurate address. Please delete from my report, as it is affecting my score and account is paid and full. Please do not violate my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from CAPITAL ONE BANK. Be advise pursuant to 15 USC 1666b ( a ) ( b ). 
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.
Product: Credit card or prepaid card

i have a Pennsylvania unemploymen card with Relicard. The card never left my possesion but was being used by someone in XXXX with carges totaling {$4400.00} Disputed the charges as soon as they came to my attention. Sent all documantaion that Reliacard asked in a timely manner. recieved letter stating " Based on our investigation we have concluded no error occurred therefore no funds will be credited to your account and this matter is considered closed. '' called to ask how this was determaned and was told the matter is closed and if i didnt have any new info they where not going to look anymore into it. It was 27 charges total starting on XXXX totaling {$4400.00} all online the charges go against my spending history and no deliverys from any of the companies where delivered to me .No one from Reliacard has reached out to me to discuss these charges. 
'
Product: Debt collection

XXXX XXXX wanted me to pa on a damaged phone they sent me. It was returned. They sent it to a collection company which apparently sent it to AmSher they are now trying to collect on the returned phone. I am recovering from XXXX  XXXX. I have been out of work for XXXX  months and they said they would settle for XXXX dollars instead of over XXXX for phone I don't have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Feel Like I Was A Victim Of Hard And These Hard Inquiries Are Messing My Credit Up
Product: Debt collection

IQ DATA AKA XXXX HAS BEEN SENT LEGAL DOCUMENTATION IN REGARDS TO SUCH SAID DEBT AND REFUSES TO COMPLY WITH FEDERAL GUIDELINES AS WELL IS MIS REPUTATION THIS DEBT GOES BACK TO XX/XX/XXXX AS THEY UPDATED WRONGFULLY REPORTED XX/XX/XXXX THIS IS COMMUNICATION ERROR AND MIS REPUTATION AND VIOLATION OF THE FAIR CREDT ACT
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XXXX I filed a dispute with XXXX XXXX and Experian RentBureau, about inaccurate rental reports that they provide to housing communities. I submitted a full copy of my rent ledger showing that there's a XXXX balance on the account in question. They concluded their investigation on XX/XX/12. They failed to update my account and it still shows a {$620.00} balance. Their inaccurate information is impeding my ability to secure housing.
Product: Money transfers

On XXXX XXXX 2015 Initiated {$850.00} Wire Transfer reference number XXXX Debit from my SunTrust Account to Recipient my Son 's Account at XXXX XXXX bank XXXX. 
Money transfer pay through XXXX XXXX XXXX and then Recipient 's to XXXX XXXX bank XXXX. 
Currently Bank XXXX XXXX Holding my money {$850.00}? do not know reason why?
Product: Bank account or service

Originally submitted a fraud claim to Bank of America ( BofA ), through identitytheft.gov, XXXX XXXX, 2016, in which they settled a portion of the claim and have yet to settle the latter portion.. The second portion was resubmitted XXXX XXXX, 2016. BofA stated it could take up to 90 days to complete their investigation. I have not received any correspondence from them. The second portion is of similar transactions as the first portion and should be an obvious conclusion. Supporting documentation is available as needed.
Product: Student loan

I attended UXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Thereafter, I made payments, first to the Department of Education, then Direct Loan Service Center/ACS . I paid off both loans in full sometime in XXXX. But, when ACS went under, an unknown, incorrect and misleading " balance due '' was sent to XXXX, then XXXX, possibly XXXX, and now XXXX. XXXX mistakenly thinks I owe {$19000.00} on one loan, and {$95000.00} on the second loan. 
XXXX can't or won't give me a history of my student debt. ACS should have all payments made over those many months from XXXX - XXXX. 

Can you help me get a history of all my payments made from ACS, so I can understand why XXXX thinks I owe {$110000.00}??? 

This is making me crazy and sick, and I can't sleep. Thank you so much for any assistance you can offer!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX, division of childsupport has 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The numerous unauthorized inquiries that are shown on my file are concerning. Recently, I attempted to acquire a checking account at the nearby XXXX XXXX XXXX XXXX XXXX. I was surprised to see that the bank had refused my application because of an inaccurate Chex Systems report. I'dappreciate a prompt answer, and I ask that you dispute and update my credit record with all of the fraudulent inquiries deleted. Thank you.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have some Fruad accounts and inquiries appearing on all three credit reports I have attached supporting documents.
Product: Debt collection

I had XXXX in XX/XX/XXXX/XX/XX/XXXX then ended my services with them in XX/XX/XXXX. The sent me a bill dated XX/XX/XXXX showing : Bill Amount : $ XXXX & Payment Due Date : XX/XX/XXXX Then the following I got a bill for them for an equipment, which my husband had taken back. I sent XXXX XXXX XXXX XXXX a dispute letter. A manager called me and asked to speak with my husband to verify ; I told him that my husband had died XX/XX/XXXX. He apologized and he would close the account because my balance was actually a credit. Now this year I found this account on my creidt report from AFNI a collection agency with a balance of {$780.00}. I have tried without success to convey to this agency that this is a mistake to no avail.
Product: Credit card or prepaid card

To whom it may concern : In late XX/XX/2020, I applied for The New Delta Skymiles Reserve American Express card. The promotional offer was XXXX bonus miles where you earn XXXX bonus miles and XXXX XXXX   after spending XXXX in purchases within the first 3 months. You would also earn an additional XXXX miles upon my first renewal date which equates to XXXX bonus miles in addition to the XXXX XXXX. My husband and I met this requirement within 1 month of having the account. On XX/XX/2020, I was issued XXXX bonus miles and XXXX XXXX  miles. A few weeks ago, I called the customer service number at American Express and they confirmed the amount was sent to XXXX to be credited to my Skymiles account. I attempted to explain to the customer service representative what the promotional offer was and she suggested I reach out to you directly. In addition to the above, I had to call your customer service line on several occasions since my credit line was reflecting incorrectly on my account. 
The second complaint we have regarding the account is that being a XXXX XXXX member your website reflects that one of the benefits is that you earn XXXX miles per dollar spent ; however, this has not been the case. 
As a longtime customer, I am requesting the following : A credit for the XXXX bonus miles that were promised when I applied for the account. 
A credit for the missing miles based on my XXXX XXXX Status ( {$24000.00} YTD spend as of XXXX*XXXX  miles per dollar ) and ensure going forward my account is credited accurately A credit in the amount of {$720.00} in compensation for my time and inconvenience. 

If the above can not be met, I will discontinue the use of these accounts in the future and move my business to the XXXX XXXX XXXX card which provides us with more friendlier terms.
Product: Debt collection

Wells Fargo representatives will call at least three to four times in one day if my payment is late. The calls will continue everyday until the account is current.Each time this has happened I ask that they stop calling or at least leave a message with the purpose of the call, but they do not. I would expect this kind of harassment from an unpaid debt, but not if I am a few days late making a payment.