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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding inaccuracies in the reporting of my account. I have submitted disputes for the account in question, challenging the accuracy of the information reported. XXXX XXXX XXXX XXXX has responded, asserting that the information is verified and accurate. However, my Experian credit report shows significant discrepancies in the " Account Rating, '' " Date of XXXX  Activity, '' and " XXXX  Payment '' details, which have been verified as incorrect. 

Account Information : Account Number : [ Your Account Number ] Creditor : XXXX XXXX XXXX XXXX Discrepancies : Account Rating : XXXX XXXX XXXX XXXX has reported an Account Rating that differs from the verified information. The discrepancy in the rating negatively impacts my XXXX XXXX and misrepresents my XXXX. 

Date of XXXX  Activity : The reported " Date of XXXX  Activity '' on my Experian credit report does not align with the accurate information that I have verified. This misinformation can have significant consequences on my XXXX XXXX. 

XXXX  Payment : The reported " XXXX  Payment '' information also differs from the verified details. This inaccuracy can impact how my XXXX  is perceived and affect future financial opportunities. 

I have taken the necessary steps to dispute these inaccuracies with XXXX XXXX XXXX XXXX, but their response suggests a failure to rectify the discrepancies. As a consumer, I believe it is my right to have accurate and truthful information reflected in my XXXX  XXXX. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and compel XXXX XXXX XXXX XXXX to correct the inaccuracies in my XXXX XXXX. I also request that XXXX  adverse effects on my XXXX XXXX resulting from these discrepancies be rectified promptly. 

Thank you for your attention to this matter. I appreciate the efforts of the Consumer Financial Protection Bureau in ensuring fair and accurate credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are in VIOLATION! : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

Reference : Homedepot credit card serviced by Citi Bank Without warning they lowered my credit limit. They lowered the amount immediately before the 6months interest free terms expired. The added interest and forced fees placed me over my new limit and caused more " over limit '' fees. I attempted to contact Citi bank ; they were unwilling to discuss this poor practice. 

I am sure that others have experienced the same issue. I am now always over my limit due to added fees even when paying their " minimal '' stated payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute to have an account verified by Equifax almost 60 days ago, then another asking them to comply with verifying this account or removing it and I have received no communication back. 

I also recently received a letter from the court that this account came from that they do NOT send any information to any 3rd parties. So there is no way for this account to be verified and unless they prove otherwise and they haven't which tells me it should be removed. 

I will attach the letters I sent as well the letter I received from the courts.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX XXXXXXXX XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX XXXX XXXXXXXX. 

Upon information and belief, XXXX XXXX  XXXX received notification of my credit bureau dispute. XXXX XXXX  XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX XXXX XXXX Account. 

Upon information and belief, XXXX XXXX  XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX XXXXXXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX XXXXXXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX  XXXX XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX XXXX  XXXX Accounts to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this morning i awoke to two collects on my credit report that do not belong to me from a company called XXXX XXXX XXXX XXXX XXXX for XXXX and the other for XXXX. I attempted to call the company who left me on a hold of 11 minutes and also tried disputing both of these on my credit karma but only allows one at a time. I was arizona department of corrections inmate number XXXX and before that was in XXXX  here in arizona awaiting to go to XXXX, this is public knowledge. Now I have a great job was on my way to a great credit score and this happens. Both of these show up today on XXXX XXXX stating that they have been reporting since 5 years ago which I find impossible, just like the XXXX XXXX account that was closed due to fraud as well while i was gone. Please assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in good standing with all of my accounts have paid down a considerable amount of debt in the last couple of months and even had a credit score in the 700s. After the cares act in XXXX, my student loans were put in forbearance through that act and I believe that they are being falsely reported because when I check my credit recently I have a 40 point credit decrease. And this time I have not open any accounts and made any debt or or hard inquiries. I really need help in investigating this manner because a 40-point decrease a my credit score does not make sense to me and the only thing I can see on my report is remarks from the department of education and it does not provide any further information about why my credit score has taken such a large hit.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have mailed in the same inquiry dispute over 15 times. I finally called Experian & & after being transferred 4 times I finally each someone. I spoke to the rep who said they did not process none of my disputes I sent in because I said they were " erroneous ''. Erroneous means " wrong '' which they were, but besides them being erroneous I also mentioned in my letter and I quote, " Upon reviewing my credit report, there has been an erroneous amount of inquires madewithout my consent. These inquiries below were made without my knowledge or consent and Iwould like to be provided proof that consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately ''. - End quote. I mentioned the inquires were not consented by me which clearly states I did not create the inquires. Proper wording on my part, but that's not the kicker. The rep then presedes to imply or assume I made the inquries which is not his job. I have attached the FCRA laws involving the dispute process since no one knows what the law states anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX, amount of {$9500.00} 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX of {$80.00}, XXXX XXXX XXXX, Account # XXXX, amount of {$1100.00}, XXXX XXXX. XXXXXXXX XXXX  XXXX, Account # XXXX, Amont of {$380.00}, 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, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I attempted to open an account with Santander bank on multiple occasions and was denied. I am an attorney with years of credit. I attempted to open on multiple occasions online and once in branch. Each time the statement was the same that " information could not be verified ''. In branch, the bank 's system shut down before a decision could be made, I was forced to reschedule, but then the bank insisted that I rectify the problem associated with my online denials before I come back. I attempted to do so by checking by credit reports and XXXX, but no discrepancy could be found. I reached out to the bank again and they dismissed me saying they have no control, it goes to a back office, and the back office frequently will not respond to inquiries about the reason for a denial, despite this being required under FCRA.
Product: Bank account or service

I have been a member of USAA for almost 10 years now. On the XXXX of XXXX, my wife and I deposited her commission check she received for a XXXX deal she completed that day. She is a XXXX and has had large commission checks deposited to this account before. This particular check was for over {$6000.00}. We called before we deposited it via the mobile banking app ( because that is the ONLY way you can deposit a check ) to ensure some of the money would be available for immediate use. The banking rep stated that we would have access to most of the money. They would hold {$1500.00} while the check cleared. This seemed normal and we deposited the check. We immediately had access to the money like the representative stated with a hold of about {$1500.00}. Two hours later, the account was locked down for " Fraud Alert ''. We have XXXX accounts we use for different aspects of our lives. Not only did they lock the main account down, the account the check was deposited to, but locked down ALL XXXX accounts for " Fraud ''. This check came from a XXXX office. We called before we deposited it, and yet, EVERY account we had was locked down for " Fraud ''. To make matters worse, when we called to figure out what the issue was, they told us it would take THREE days for it to be rectified! THREE DAYS! We could n't access a XXXX of our money for THREE days! We spoke with several people and no one would help us. They kept telling us it would take the fraud department time to " investigate '' the check. Meanwhile, I have XXXX who I could n't feed because we could n't access our money. No answers, no sympathy, and no action was taken by USAA to expedite the situation. We spoke to a manager who gave us a bad attitude and did n't help us at all. It did n't seem that any department had any idea what the other was doing. One person told us that the automated system triggered the main account for fraud but then another person, they did n't know who, came behind that and locked us out of all of our accounts. We have yet to hear anything from anyone and the issue is still not rectified, 4 days into it.
Product: Student loan

I started paying my consolidated loan with Sallie Mae in XX/XX/2003. I began paying based on my income. I asked at that time if this consolidation would help me get the XXXX  Loan Forgiveness. They said as long as I made income-based payments and made them on time. My loan was moved to Navient. I continued to certify every year my income and make my payments based on 15 % of my salary. I am XXXX years old and going to retire. I applied for the XXXX Loan Forgiveness, and they said I didn't qualify because of a Parent Plus Loan that was consolidated. I kept trying to find information, but could not get any answers. I applied again and was told that I do not qualify. So I had XXXX XXXX look into my loan repayment options. They told me I had to apply through XXXX for a new consolidation, and work 10 more  years in a public service job. I called XXXX and they put me through to the XXXX who said that although my loans don't qualify, public service loans are forgiven after 20 years from any lender and I should call Navient and find out how many more payments I need to make after paying for 16+ years. I called Navient and they said that they do not do XXXX Forgiveness, or any public service forgiveness, that none of my 16 years of payments qualify, and I would have to consolidate through XXXX. She said that my loans are FFEL loans through the government, and they do not qualify. I asked what the difference was as they came from the government and she had no real answer. I asked why none of this was explained 16 years ago, and she was SO VERY SORRY. I did ask if the loans would be discharged upon my death and she said yes. I think that this is criminal. I have worked for 24 years as a XXXX XXXX XXXX  in a rural community at extremely low pay. My loans are now in excess of 100K because of deferments, and income based repayments. And I have no way of ever repaying this loan, all based on lies from the loan servicer ( Navient ) and the Federal Government.
Product: Mortgage

My property tax has never been paid from the XX/XX/2019 deadline. In addition, my last property tax payment was very late. The tardiness is causing my account to incur interest. I've asked that my company pay my bill and ensure there are no more missed or late payments. This is unacceptable and I am tired of contacting the company for the same issue every quarter. The local tax collector has assured me that the mortgage company has everything they need to make payments in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  will not correct my prior student loans off my account, some were fraud some a double posting. All over 7 years ago, some still on after 15 years ago. I used muilti lawyers firms and XXXX XXXX  to settle my account. None are even to be posted to my account. 

XXXX  noted in my dispute file that I have already disputed the account and they don't have to do anything else about it.. 

Federal and state illilgal. I should be able to dispute any files till it's corrected.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XX/XX/2020 my wife and I applied for a mortgage the mortgage broker reported to me that something was on my credit .I investigated and there was a charge from synchrony bank for $ 6355.00.While investigating a person named XXXX XXXX took XXXX credit card out through Care Credit back on XX/XX/2020 in my name. This person spent the money at a spa called the XXXX XXXX in a suburb of XXXX XXXX Missouri. On this day I was working in XXXX, Wisconsin. On XX/XX/2020 I filed a fraud investigation form with synchrony bank. On XX/XX/2020 I filed a Police report with the XXXX XXXX Police department case # XXXX. In the middle of XXXX I contacted Synchrony Back to check on the status of the investigation, they stated that it was denied. The investigator said they would reopen the case and review it, I gave them the police report case # XXXX. In the beginning of XXXX I called again and the investigator told me it was denied again. So then I filed a report with the FTC and sent the report to them, I also froze my credit with the credit bureaus. In XXXX I checked again, it was denied again, synchrony stated they never received a police report so I resent the report. In the beginning of XXXX I received another fraud investigation form from them, I filled it out and sent it with all the forms, the police report, the F.T.C letters, and I had the police officer call synchrony fraud department and on XX/XX/2020 they denied it again.
Product: Credit card or prepaid card

I signed into my XXXX account on the due date to pay my card, which my account shows as it says I logged in on XXXX XXXX, yet my payment was marked as late and I was charged a late fee and finance charge. I have logged in again today XXXX XXXX XXXX to make my payment and now they only allow me to mark my payment as paid on XXXX, even though I am technically logged in to pay the account on XXXX. This is the only credit card company I have ever had this issue with. It seems as though they purposely mark your payment as late to charge late fee and finance charges. I have never been late on any payments on ANY of my credit cards, mortgage payments, student loan payments, etc, and have a perfect credit score.
Product: Credit card

Dear CFPB, I am writing to formally complain about an issue I encountered with American Express ( AMEX ) regarding an incorrect payment return fee. Despite multiple assurances from AMEX representatives that my payment was processed successfully and that no additional action was required on my part, I was later charged a {$29.00} return payment fee due to insufficient funds, which could have been avoided with accurate guidance from their customer service team.

Summary of Issue : On XXXX XXXX XXXX I contacted AMEX customer service regarding a payment of {$1500.00} due on my AMEX XXXXXXXX XXXX Initially, my AMEX checking account had insufficient funds to cover the payment, so I immediately transferred {$1500.00} to the account and contacted AMEX to confirm the payment status and prevent any fees or overdraft issues. I was repeatedly reassured by multiple representatives that the payment would be processed successfully and that I did not need to take any further action, including submitting another payment manually. 

Subsequently, I received an email from AMEX notifying me of a payment return due to insufficient funds. Concerned, I once again contacted AMEX, where the representative again insisted that the payment was processed and that no fees or additional action was necessary. Despite my diligence and proactive measures, AMEX ultimately charged me a {$29.00} return payment fee. When I requested a waiver, AMEX declined, stating that return fees are " systematically applied. '' Primary Concerns : Misleading Information : Repeated assurances from AMEX representatives that the payment had been processed led me to believe no additional action was required. 

Poor Communication Between Departments : I was continuously transferred between credit card and checking account teams, each providing conflicting information. This lack of clear communication has caused me significant frustration and confusion. 

Inconsistent Fee Waiver Policies : Despite my long-standing positive account history, AMEX refused XXXX waive the return payment fee, which was charged due to the misleading guidance provided by their customer service representatives. 

Negative Impact on Customer Experience : AMEX 's failure to provide consistent, accurate information and resolve the issue promptly has diminished my trust in their customer service practices. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that AMEX improves their customer service processes, especially regarding communication between departments, and ensures fair treatment for customers who are trying to fulfill their payment obligations. I am also requesting a refund of the {$29.00} return payment fee due to AMEXs failure to provide accurate information. 

Thank you for your attention to this matter. 

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

XXXX XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX XXXX to send me a 1099 C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service Publication 4681 and the 1099C Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes. 

XXXX XXXX has turned the account over to XXXX and XXXX, XXXX and debt collection company. XXXX and XXXX has sued me and has been granted a verdict. Unfortunately, XXXX and XXXX should know or should have known of XXXX XXXXXXXX fiduciary responsibility. 

Now XXXX and XXXX is attempting to garnish my wages.
Product: Debt collection

I have an issue with Midland Credit Reporting for two different accounts. One is for what was a XXXX XXXX Account and the other a XXXX XXXX Account. I have tried repeatedly to get someone to explain this debt to me and show proof of it. I have proof that they did not validate debt in a timely manner. They wont answer any questions. I have requested they include the original contract and they refuse to do so. I want proof of all charges, fees owed, and contract. They refuse to do so! I have asked they provide what the money they say I owe is FOR, how they CALCULATED what they say I owe, copies of papers showing I agreed to what they say I owe, copy of a contract, proof they are licensed to collect in my state, and they havent provided any of this.