23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Good Morning, Thank you for creating this tool. XXXX issues with American Express:1 ) American Express with zero notice suspended charging privileges on my SPG credit card last week, claiming " Financial Review. '' With zero late payments, frequent payments ( ex : XXXX in XXXX 2015 ), and zero violations of my card member agreement, I am astonished. I have spent the past week dealing with vendor escalations for my company - AMEX has even denied those recurring charges. ZERO notice given ... What is AMEX 's responsibility to me a perfectly paying single Mom with XXXX XXXX and jobs to create? 

2 ) My assistants have always had a copy of my AMEX card with their names on it as Authorized Users NOT Responsible Parties. The Agent with whom I talked last at AMEX said in past years soc # was not required until Patriot Act. The Credit Bureau Dept at AMEX @ XXXX says they possibly reported my current assistant of over 1 year in error. The new requirement to have someone 's social security number on file is a gov't rule, and in no way should it have been used in her debt to income ratio by any lenders .... yet it was. She was denied a car loan and then her STUDENT LOANS this past. 

Thank you CFPB et al for your help. I have worked hard to follow AMEX 's rules and appreciate any advice you have. Is there a Cardmember Bill of Rights yet?
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I applied for installments for my tires and wheels and was denied. Given the fact that the entire consumer transaction is predicated upon my unlimited credit, Title 15 USC subsection 1611 { False and misleading denial of my own credit } has been knowingly and intentionally violated in this case.
Product: Credit reporting or other personal consumer reports

Equifax continues to report on my credit report the XXXX XXXX account # XXXX even though I have provided them with evidence both verbally, via telephone, and in writing that the XXXX XXXX XXXX Department investigated this account and found that it was open fraudulently and without my authorization. An XX/XX/XXXX letter from XXXX XXXX ( attached ) states that they have informed Equifax to remove this account from my credit report due to this fraudulent activity. Unfortunately, Equifax continues to list this account on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX  XXXX XXXX/XXXX/2023 XXXX  XXXX  XXXX  XXXX/XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out this Debt Collecting Company by the name of IC Systems.

I mentioned that I do not acknowledge this debt that they are making efforts collecting on. I have spoken to Two separate representatives and also Two supervisors that were on duty at that time. 
I requested a Validation of debt. 
They mentioned they have no validation of the debt they are collecting on and asked me to provide proof to them that the debt isn't mine that they are making attempts to collect on behalf of a creditor. 

However they are in violation of Utah Code Law. That clearly states that need to provide validation of debt in order to make attempts to collect debt. 

This collection company is inaccurately reporting information to credit bureaus that is affecting me negatively and has costed me lot of money. Along with that it has hurt my ability to obtain new accounts such as mortgage and has affected my credit rating. 

I now demand that this information be removed if ic systems are not able to provide validation of debt immediately so my credit report is accurately being reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : I made my payment on time, but due to a processing delay, it was not credited to my account until after the due date. I have included bank statements that confirm the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I filed a complaint previously and was contacted by a representative named XXXX XXXX. She stated over the phone that XXXX had received full payment for the charge off AFTER the account was charged off. They received a payment from my GAP insurance. They have been reporting inaccurate information on my credit report for years. Isnt it still XXXX  duty to report accurate information on my credit report even after the account was charged off? I asked XXXX XXXX to send me a copy of my account ledger and she did not. She only provided the original contract. This is a violation Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX  is required to provide accurate information to credit reporting agencies. I request that you investigate this matter and promptly correct the reporting error by updating my account status to reflect that it was paid in full. Additionally, I request that you notify all credit reporting agencies to which you report this account and ensure the correction is reflected on my credit report. 

Please provide written confirmation of your investigation and any updates to my account status within 30 days, as required under the FCRA. If you find that the current reporting is accurate, I request a detailed explanation and verification of the debt as required by law. 

I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report. 
This is my attempt to rectify this issue, and I am becoming increasingly frustrated by the lack of response and action on your part. It is crucial that these items be removed immediately to reflect my true credit standing. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or outdated information on my credit report. These accounts are either beyond the statute of limitations or contain erroneous information. Despite my previous attempts, these items remain uncorrected. I have included copies of my previous correspondence as well as supporting documentation to expedite the review process. Please help me conduct a thorough investigation of these items and provide me with written confirmation of their removal within 30 days. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I hereby dispute the validity of this debt in its entirety and demand this account to be removed because it is in violation of multiple Federal Laws. This account is in XXXX and it should not be reporting on my credit profile. Because of the violation of the Fair Credit Reporting Act and Florida Consumer Collection Practices Act. 

SECURITY CREDIT SERVICES ACCOUNT NUMBER XXXX SECURITY CREDIT SERVICE ACCOUNT XXXX
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX regarding unauthorized transactions, improper account closure, and the inability to access my funds. 

Summary of the Issue : 1. Unauthorized Sale of Cryptocurrency Without my authorization, XXXX liquidated my cryptocurrency holdings. 
I did not initiate or approve these transactions, and I was not given enough time to do anything before my assets were sold. 
XXXX. Account Closure Without Proper Communication Despite multiple attempts to contact Robinhoods support team for assistance, I did not receive any response or meaningful resolution. 
Instead of addressing my concerns, XXXX proceeded to close my account without explanation. 
I connected with XXXX when I was initially notified that my account had som sort of restrictions on it. Their customer service phone numbers just redirects you to the app, and then you have to talk to an AI customer service agent that does not provide proper assistance. I set up a support chat in the morning, they ended up calling me back when it was XXXX and I was unable to pick up the phone, and the closed my case. I emailed them numerous times just to be redirected to their app. The day before my account was closed I was given a link to " reactivate my account '' and I did so and it told me that my account was reactivated. However, the next day they sold all of my crypto. This is just an overall frustrating situation. 
XXXX. Inability to Withdraw Funds Following the account closure, I no longer have access to my remaining balance. 
XXXX has not provided me with a method to withdraw my funds, effectively blocking me from reclaiming my own money. 
I put in {$XXXX} dollars and the current value of the investments after being sold by XXXX are {$XXXX}. This money is unable to be withdrawn and is stuck in my XXXX app. 

Attempts to Resolve the Issue : I have made several attempts to contact XXXX customer support through their in-app messaging and email channels. 
Despite repeated follow-ups, I have not received a clear response or any resolution. 

Robinhoods lack of communication and refusal to return my funds have caused me significant financial hardship. I believe their actions are unfair and potentially unlawful, and I seek the CFPBs intervention to resolve this matter promptly. 

Please let me know if any additional information is required to process my complaint. I appreciate your attention to this issue and look forward to your response.
Product: Mortgage

1. Mortgage loan was transferred to NewRez ( Shellpoint ) and due to a clerical error on NewRez 's part, my mortgage payment amounts were {$100.00} higher than they should have been. 

An inquiry was sent on XX/XX/2020 before the first payment to NewRez was due, asking about why my monthly mortgage amount was {$100.00} more. I received a response in email on XX/XX/XXXX indicating that this was a clerical error and should be fixed within 1-2 business days. I was advised to hold off on paying my mortgage payment until the amount was fixed. The amounts had not been fixed until after the XXXX of the month, but after several calls, I was told not to worry because the issue was escalated and being worked on. NewRez representatives also told me that my credit report will not be affected due to me paying after the XXXX of the month, however, this turned out to be false. My credit showed a late payment, and in an attempt to fix it, they put the account in dispute with the 3 credit bureaus without telling me. I discovered it when I tried to refinance. I promptly paid the correct monthly mortgage amount once I called several times to confirm that it was fixed. However, due to my " late payment '' I was no longer able to pay online through their site. I had to set up a bill pay through my bank, which was an inconvenience for me. 

2. I had another couple of issues with my property taxes not being paid. I had to call and explain to them that my property taxes are overdue and " send a request '' to have it paid. They eventually paid the property taxes but I had to pay the penalty. 

3. The other issue with property taxes not being paid appeared in XX/XX/2020 when I got an updated property tax bill due to my new construction house being reassessed and a supplemental tax being added. I sent an inquiry to NewRez in XX/XX/2020 to ask if this additional amount is something that could be paid out of escrow. I had enough escrow funds to cover this additional payment. No one responded to my inquiry at all. I ended up having to call on XX/XX/XXXX to see what the status of my inquiry was. All the while my tax bill was past due and a penalty was assessed. When I called I was told that escrow should pay those tax bills, but then got transferred to someone in Escrow, who had to talk to two managers, who gave conflicting information. One manager said it should be paid out of escrow, another manager said supplemental taxes aren't typically paid out of escrow but I could submit something " in writing '' requesting that it be paid, then I could wait and see if it would be paid. No one could provide me with an update on my original inquiry that I sent in XXXX, and I was told that I had to submit ANOTHER inquiry to see if my supplemental property taxes could be paid out of escrow. I send that request on XX/XX/2020 and that is pending. Due to the fact that NewRez is not paying the supplemental tax, I've had to pay {$1300.00} out of my pocket to keep my home from a property tax lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inaccurate account on my profile.
Product: Credit card or prepaid card

On XX/XX/2021 my app shows a direct deposit fund transfer of {$3000.00} dollars that i never filed. The money was sent to Bank of America all i found out was an account ending in XXXX. Bank of America sent me letter saying resolved. The letter was just my monthly satement nothing telling me about were my money is
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I am writing to dispute the accuracy of the information in my credit report, pursuant to 15 U.S. Code 1681s2 and 15 USC 1681s-2 ( a ) ( 7 ). I demand that you immediately investigate and remove the following items, which I believe are inaccurate and are harming my creditworthiness : I have absolutely no affiliation with of The address XXXX XXXX XXXX XXXX XXXX XXXX  CA, Please remove this address as it is HIGHLY INACCURATE. 
XXXX Credit card account that was added to my profile XX/XX/XXXX is a business account that is currently in good standing still and should be removed from my personal immediately. HIGHLY INACCURATE. 
XXXX : XX/XX/XXXX Inquiry was a result of fraud and should immediately be removed from my credit.I gave creditor no authorization to run my credit and should be immediately removed. 
XXXX XXXX XX/XX/XXXX is another credit inquiry that needs to be immediately removed. The creditor has no authorization to pull my credit. 

Equifax Mortgage : XX/XX/XXXX XXXX another credit inquiry that needs to be immediately removed. The creditor has no authorization to pull my credit. 

XXXX XXXX XXXX  : XX/XX/XXXX is another inquiry that needs to be removed immediately. Institution had no authorization to pull my credit. 
XXXX is inaccurate, They are not my current employer and need to be removed immediately. 
These items have a negative impact on my credit as it dropped XXXX points in 2 days. These negative items on my report are in direct violation of 15 USC 1681s-2 ( a ) ( 7 ) and U.S. Code 1681s2. These items have a severe impact on my credit as it dropped XXXX points in 2 days and should be remedied immediately. 

If you do not correct these errors in my credit report, you are in direct violation of the Fair Credit Reporting Act ( FCRA ), which could subject you to civil liability and damages. 

Please note that I take this matter very seriously and will pursue all legal remedies available to me, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau, initiating legal action against you, and seeking punitive damages. 

I demand that you respond to my dispute within 30 days of receiving this letter, in accordance with the FCRA. Failure to do so will only serve to further demonstrate your deliberate and willful disregard for the law and your obligation to accurately report my credit information. 

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

My name has been the same. 

Ive submitted several complaints via the XXXX, CFPB, and also HHS and the XXXX  There is no reason for these credit agencies to insinuate fraud, unless they fraudulently face my credit information away before. 

I have been waiting on my XXXX  settlement and Transunion somehow doesnt do them, but I distinctly remember the auto dealer from the first complaint submitted years ago insinuating I stole a car that was settled by XXXX XXXX XXXX can not, and will not, make me a Ponzi to their scheme to defraud my credit that I froze, complained, and everything humanly possible to protect. 

Stop with the arguing and remove these items from my credit reports. 

All of these issues regarding identity have been handled with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home loan with XXXX XXXX XXXX. My loan is set up on auto draft every month. I had made a change to increase the amount of principal of the auto draft. Unknowingly the auto draft was not processed for the month of XXXX and XXXX had never contacted me regarding the delinquency. XXXX had only reported the delinquency via credit reporting and thats how I found out. As soon as I had found out I paid immediately the past due amount. I still dont know why the auto draft was not processed. Ive contacted XXXX via phone and faxed letter asking to remove the delinquency notice and theyve refused. I believe it is their responsibility to notify me when their system did not process the the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to get this account and inquiries deleted and Transunion has refused to do a proper investigation or pay me for continued violations per FCRA. I have submitted an identity theft report as well as documentation from the company. I have asked asked for validation of debt and I've yet to be provided anything. XXXX has continued to reage this account as they have admitted to in documentation provided. I have asked for proof and they have failed to provide any as I have provided documentation to these facts. I'm entitled to {$1000.00} per violation as I have been disputing this for over 18 months per CFPB and Transunion has failed to correct the problem yet has allowed XXXX  to damage my credit. I have disputed the inquiries and I have submitted proof and they have failed to delete them despite the documentation provided. I'm entitled to {$8000.00} for the continued violations. Deleting the accounts and inquiries doesn't obsolete Transunion of the past violations and they must be held accountable. My complaint should be forwarded to the FTC as Transunion and XXXX are both liable and continue to violate the law. The account that should be deleted is XXXX as they have continued to reage this account, the payment history, date of last payment, first delinquency, the account doesn't belong to me. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to access my credit report since XX/XX/2023. I was affected by the data breach under my maiden name ( XXXX XXXX ) and contacted by Equifax requesting verification of such. I provided requested information and never heard back from Equifax, resulting in me being EXCLUDED from compensation for the data breach. I have been contacting Equifax since XX/XX/2023 attempting to access my report/score and each time I am told is LOCKED and they will not give me access due to verification of my identity ( which was sent XXXX XXXX, 2023. Under US Law 15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. This right of mine has been violated for YEARS!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : CAPITAL ONE || Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is still reporting an account wrong on my credit report after I have disputed it multiple times. The account for child support with the AL Dept of Human Resources is wrong on my report. There are several things wrong. The payment history is incomplete and inaccurate. The date of 1st delinquency is inaccurate. The last payment date and the last active date are both inaccurate. ALSO, there is no comment showing that the account was ever in dispute. This is a violation. I disputed the account several times and it is not showing this.