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

I am writing to express my continued dissatisfaction with the handling of my credit report by your agency. Despite a previous attempt to correct inaccuracies related to late open account, the issues persist, and I am compelled to bring this matter to your attention once again. 

Despite my prior dispute and documentation provided to rectify this late open account, it continues to be reported inaccurately on my credit report. 

I have attached supporting documentation, including letters of dispute and evidence of resolution, from my previous attempt to rectify these issues. 

I kindly request that your agency conducts a thorough reevaluation of these matters and takes immediate action to correct the inaccuracies related to the late open account on my credit report. I understand the importance of accuracy in credit reporting, and this persistent errors are adversely affecting my creditworthiness. 

I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to correct the late open accounts. 

Please provide a written response within 30 days of receiving this complaint, as required by applicable regulations, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXX  XXXX Balance : {$120.00}.
Product: Credit card or prepaid card

On XX/XX/2019 I opened an American Express XXXX XXXX through a bonus offer to earn XXXX XXXX points after spending {$4000.00}. I have held many Amex cards in my life, and use them both for personal and business spending. My husband and I own several businesses - including a real estate business, food service business, and a vending machine business. 

I made thousands of dollars of charges on the card and met the spending requirement of {$4000.00} in mid-march. I confirmed this with an agent who informed me the points were in the process of being transferred. Unfortunately during this time I received a refund from a merchant which dropped my spending amount below the threshold required for the bonus. I did not discover I had dropped below the requirement until chatting with an agent later in the month to inquire about why the points hadn't posted yet. They informed me about the refund, and also informed me my account was under review and all charges were being reviewed to make sure I actually met the bonus spend. 

Since then I put significantly more charges on the card and once again confirmed with an agent that I had again met the spend requirement. However, I was now told all of my Amex accounts were under review and they could give me no information about my XXXX bonus. I asked for why my account was being reviewed and they provided no information. I asked if I would be getting the bonus that i had earned on the XXXX   and I received no information. I seem to be being told that my account is under review for abuse, which I don't understand because I achieved the bonus spend requirement fairly. Amex seems to be refusing to provide the bonus that was advertised in the application, and likewise doesn't inform me why. 

I need some help in communicating with Amex to get a clear answer as to what is going on with my account and why they are not providing the bonus on my XXXX card. Any help is appreciated.
Product: Credit reporting or other personal consumer reports

There was a credit card opened in my name from XXXX XXXX XXXX XXXX  on XX/XX/year> or XX/XX/year>. The date of last activity on this credit card shows XX/XX/year> and shows that the account was closed " charged off account closed by credit grantor. '' However I now see on my credit report that this account shows conflicting payment history. It shows charge off for a period of time, then it shows payments made for a period of time. Then it shows charge off again for some time and then payments made for some time. Then it does it again and shows charge off. I have never made payments on this account as it is not mine. The balance shows {$5600.00}. The balance has shown {$5600.00} since 2017 so if someone has made 47 % of the payments then the balance would not still be {$5600.00}. This is obviously a mistake. 
As i have stated for the past seven years or so that this is not my account and i have submitted documentation in the past supporting my claims. Now this account is more that seven years old and its still reporting on my credit report. Please delete this derogatory, inaccurate, unauthorized account from my credit report.
Product: Credit card or prepaid card

I ordered a XXXX XXXX The Studio Leather Messenger Bag from XXXX for {$2100.00} on XX/XX/XXXX. On XX/XX/XXXX I received a email stating that my order arrived however I was home all day and nothing ever came. I think it is very unfair that an order this expensive did not ask for a signature when they claimed that it was delivered, they could have dropped it at the XXXX store it just makes no sense to me. I ordered multiple things from XXXX and never had a problem with them until know I contacted XXXX to see if there is some way they can help they pretty much said no. So then I turned to my credit card since that is literally my last option and submitted a dispute, after a month and some change they denied it as well because Chase decided that XXXX had proof of sending out the package. How is this proof of delivery? It never reached me so I dont understand why Chase is siding with XXXX XXXX its frustrating because I used Chase bank my whole life and I thought they would step up for me and see that this is unfair. Also I cant even make a police report for this because this happened 2 months ago and the whole dispute process lasted so long that I missed my chance. So this is my last option and I never even thought it would resort to this.
Product: Debt collection

I had an outstanding out of state medical bill from XXXX and had issues with my insurance company processing the payment. Eventually partial payment was processed but a balance of {$320.00} was sent to a debt collecting service. I paid the debt plus interest in an amount of {$460.00} on XXXX XXXX, XXXX to " XXXX XXXX Co ''. I have the transaction available on my credit card statement. The account had been reported to the credit reporting agencies and that has also subsequently been closed. However I have begun to receive phone calls from " Bay Area Credit Service '' insisting that I still have an outstanding balance of {$320.00} and there is no record of a transaction paying that balance. I have informed them clearly of the events but during each conversation I get passed along a line of different employees and told the same thing, that I still have a delinquent account and I need to remit payment or they will ( again ) report it as delinquent.
Product: Payday loan, title loan, personal loan, or advance loan

OneMain is stealing money from my payments and not updating the account with the payment information in an attempt to defraud me of money. When I attempt to download the statements from OneMains website the documents will not download. When I call the local OneMain location for information they refuse to provide me statements and or an audit of the account. The local OneMain location seems deceptive in nature and I believe they purposely hiding information. I have not been supplied any statements from OneMain I believe that they are involved in criminal activity.
Product: Credit card or prepaid card

Elan Financial, servicing the XXXX XXXX XXXX XXXX ( GLCU ) account I have, " converted '' my card XX/XX/2022 with a differently numbered card. It now ends in XXXX. They have been calling me every day in XXXX trying to collect a minimum payment of {$25.00} on this account. I have never received a statement for this new card! I made a total balance payment on the old numbered account ( ending in XXXX ) on XX/XX/2022, but they claimed they never received it. I sent them a copy of the front and back of the check, as they requested, showing that it cleared XXXX on XX/XX/2022. They continue to try to collect. They have not acknowledged the " lost '' check, nor have they sent me a statement since the " conversion '' took place. I have talked to XXXX people at Elan Financial about this, the last a " XXXX '' on XX/XX/XXXX, yesterday. They all say they understand. But I don't. I would like them to A : send me a statement for card XXXX showing all payments made to XXXX. B : stop calling me, and C : don't dare touch my credit rating in the XXXX 's.
Product: Debt collection

Received a phone call from XXXX on XX/XX/XXXX. The lady XXXX stated she had a voice recording from a magazine subscription service and that I had stopped paying them in XX/XX/XXXX. She said that I was being taken to civil court and owed {$1900.00} to the magazine service but that she had worked a deal with them and I could pay {$290.00} today and have the debt go away. This was for magazines i did not purchase. I asked her to send documents with information and she sent a form to fill out my credit card info. She gave me till XXXX today to pay or face civil action. There is no record on any credit reports of debt owed to a subscription service.
Product: Checking or savings account

I deposited check into XXXX XXXX check was fraudulent and funds reversed. I did FOIA request to XXXX asking how many times XXXX received and reversed check from one or both companies on front of the check.. XXXX or XXXX. today XXXX foia denied. FOIA Director called said XXXX not at fault. She told me to file with CFPB. I feel many NF members have experienced the thing and in doing so NF knew or should have known checks members produced for deposit with names XXXX XXXX XXXXXXXX were fraudulent and should not have allowed its members to be subjected to fraud.
Product: Credit reporting or other personal consumer reports

I file a dispute request that the closed date of the XXXX XXXX account be clearly identified. That dispute came back as closed account without identifying the true date of closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 


15 USC 1681 section 602 states i have the right to privacy.

15 USC1681 section 604 A section 2 : It also states that 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: Student loan

I received a letter from MyFedLoan on XX/XX/2019 telling me my deferment period was about to end and I would have my interest capitalized if "you do not make a payment to satisfy the full amount prior to the Anticipated Capitalization Date."  The total came out to $XXXX. I called MyFedLoan and ask to speak to a representative to clear up if there was a specific way to pay my owed interest so that it was applied to only my owed interest since I did not see a different way to apply the payment online. She confirmed that I would make the payment regularly as I would make any payment and because I was in deferment, the full payment would go towards my interest and cover it entirely. I also explained that I would be paying in ahead of time in order to give the payment adequate time to process. She agreed that was a good idea. I proceeded to make a XXXX ($XXXX  over) on the XX/XX/XXXX, 5 days ahead of the due date in order to avoid issues with the payment not processing in time and having the interest capitalized. Although I followed the directions on the letter and by the representative exactly, I was penalized for paying 5 days early and charged interested which capitalized to almost $200. I was not notified about the increase in my account balance although I paid the total amount that I owed and continued to make on time payments. MyFedLoan gave misleading and just down-right wrong directions out to its customers and then is still sneakily charging them when the make the full requested payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been trying to get these unauthorized inquires off of my credit. I called, I have sent in letters and I have tried reaching out to the credit bureaus to have these unauthorized items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account currently listed and showing on my XXXX and Equifax credit report is lost/stolen : XXXX XXXX XXXX : XXXX, and the transactions from XX/XX/2023 to XX/XX/2023 for {$260.00} are unauthorized and fraudulent transactions that are not my transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
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, who's studying XXXX 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. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX - XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed XXXX XXXX account due to reporting inaccurate information. This was added back to my credit report within 6 hours of me filing the report. It was not sent to the reporting agency for a proper investigation. 

Around XX/XX/XXXX I disputed bread card rewards, XXXX XXXX, and sync/care credit account. These items were added back to my report noting the incorrect information will remain on my credit report. There was no documentation that these items were investigated or verified as accurate by the reporting agency. I was not provided an updated credit report. Experian is not properly investigating disputes.
Product: Vehicle loan or lease

this letter was sent XXXX and delivered XX/XX/XXXX and they ignored it XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ATTN : ( CEO, GENERAL MANAGER, REGISTERED AGENT, ) RE : XXXX I, XXXX XXXX XXXX XXXX a consumer who is natural and living person, holder in due course, And creditor affirms that I am familiar with the facts stated within this notice. The purpose of this letter to provide you physical written notice and directions to be enforced. 
On, XX/XX/XXXX I consummated a consumer credit contract under good faith and credit. This however, was and is not a loan. I would like to bring to your attention to the statue 16 CFR 433.1 ( i ) which iterates Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. 
With that in mind and proper understanding you can review the definition of a finance charge as it is legally defined in 12 CFR 1026.4. With this is mind, I recall, XXXX XXXX verbally implying that Santander Consumer USA INC required a down payment of {$2000.00} With these laws and sequence of events, verbally and otherwise, my federally protected rights have been violated. It is mentioned in Regulation Z that you can be fined up to {$5000.00} for giving false and inaccurate information as well as not providing the consumer with proper and respective disclosures. 
You, XXXX XXXX XXXX, have 30 calendar days to return the falsely and illegally obtained down payment of {$2000.00} to me, XXXX XXXX XXXX to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Maryland XXXX. 
Upon receipt of this initial communication, I will keep note of all correspondence, or lack thereof, made by mail, telecommunications, and otherwise methods of communication. This communication requires a response within the allotted threshold. 
Regards, ( XXXX : XXXX ) U.C.C. 1-308
Product: Debt collection

Attorney Thaddeus Bechtle, finally returned my call and immediately told me he did not have time for this XXXX, he told me, " I would not let you send a check to my office, I am going to file a law suit/judgement before the statue of limitations, you don't want to talk to my staff. I am going to sue you, and I will not take your money, I don't care if you pay or not. He also said " you can mail the money in but I a not going to take it. I asked Atty Bechtle to please stop cussing and being rude as I was trying to be professional and I needed information about how much I can pay and where to send the money. He just keep saying " goodbye Miss, goodbye and I don't care. Later that day I found out that he contact XXXX XXXX XXXX, whom he works for and told XXXX in collections that he will go to court. ***I contact Atty Bechtle 's office over a month ago when I found out about this debt, I first spoke to Ms. XXXX who was awful and I exercise my right not to speak with her which Atty Bechtle ageed to it was that point he agreed I would pay {$100.00} a month. I am terrified of what he will do to my credit, my personal information, my life. 
How do I pay this debt, if he will not take my money? I filed a compliant with OAG and XXXX. Help me please.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my report that I did not authorize on my report : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX used my credit report without authorization, and thus put these unauthorized inquiries on my credit report, damaging my credit scores. 

EQUIFAX - continues to display derogatory information on my report with the following debt collection agencies, however have not produced any verification of the debt. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX - continues to display derogatory information on my report with the following debt collection agencies, however have not produced any verification of the debt. 

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

There is a   XXXX   XXXX   account on my credit report. I disputed this over a year ago. The account was opened up in   XXXX   XXXX    Nevada. I live in  XXXX , Al. And we do n't have   XXXX   XXXX  . Someone fraudulent open this account up in my name. I researched and called the company a year ago and told them this is not my Debt. Please remove this debt from my credit file. I have no associated address in   XXXX   XXXX   Nevada. Better yet call my employment I been employed on the same job 30 years. Check my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to get this info corrected with all 3 reporting agencies. This collection from XXXX XXXX XXXX for {$930.00} is erroneous. I've always had XXXX XXXX XXXXI 've spoken to XXXX in the past and I was assured this would be removed.I also confimed with XXXX XXXX XXXX there was no balance due on my part. I'm getting no where with this issue. I've been denied credit due to this incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XXXX Amounts : {$180.00}, {$2300.00}, and {$38000.00}. Fraud Affidavits for all accounts were sent to the company and credit bureaus. 
Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Fraud Affidavits were sent to the company and credit bureaus and or pplication on file.