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

RE : Unauthorized Credit Inquiry XXXX XXXXXXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX  Automotive ( XXXX ) XXXX XXXX XXXX I have recently obtained a copy of my credit report XXXX, TransUnion, XXXX. It shows credit inquiry by your these company 's that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 
I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did not have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much. 
Sincerely,
Product: Credit card

Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX Hello. I am contacting the CFPB today to detail my recent experience with Apple and the Apple Card. 

On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a fraudulent credit card account opened in my name with GS Bank USA ( Apple Card ). Two days later, I received a response from Apple stating that I was somehow found liable for this account. The response included the instruction, If not already submitted, submit the following documents if you would like this decision to be reconsidered. For your reference, I have attached Apples email, a screenshot of the CFPB complaint ( # XXXX ), and the initial documents submitted with the complaint, including the FTC Identity Theft Affidavit. 

My concern lies in the timeframe of Apples investigation. In just two days, a determination was made that this account is mine, despite my submission of multiple identity theft reports and supporting evidence. Apple has not disclosed the methods used to verify the accounts ownership, which leaves me questioning how this conclusion continues to be reached given the extensive evidence I have provided. It appears that Apple, along with XXXX and XXXX, has failed to thoroughly review the information submitted. 

This fraudulent account has had a severe and lasting impact on my credit report. In an attempt to resolve this issue, I even paid the balance on the accountdespite not being liablehoping this would prompt a deeper review of my case. However, I am still facing the consequences of someone elses wrongdoing. 

After researching the appropriate legal steps, I am formally requesting that Apple Card, under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), block this fraudulent information on my credit report resulting from identity theft. According to this statute, this action must be completed within four business days of receiving this complaint. I have again provided all relevant details and documentation for the affected accounts below for your review. 

GS BANK USA Acct No. : XXXX Date Opened : XX/XX/XXXX I dont recognize this account. I did not authorize this and because of an evil roommate, I have to suffer for his terrible actions. This account was not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to XXXX, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud. I have been reporting this account to the FTC for almost a year now and Apple refuses to take me seriously.
Product: Credit card

I applied the American Express Platinum card and paid {$450.00} annual fees with XXXX points bonus reward after I spending {$3000.00} or more within 3 months. I did spend about {$3000.00} in XXXX and got XXXX bonus reward. In addition, I spent another {$160.00} in travel and American Express credited during 3 months period these money back to account so the total purchase was still about {$3000.00}. However on XXXX XXXX, 2016 they took away my XXXX bonus points which they called " Point Adjustment ''. I chat with American Express online on same date and he and his supervisor told me they subtract the money which I got credit so the amount was below {$3000.00}. I explained to them American Express already subtract this money which was additional purchase nothing to do with my total purchase {$3000.00}. They acknowledged that I am correct and gave me the XXXX which is American Express Reward team. On XXXX/XXXX/16 I called Reward center around XXXX AM and the person I talked with put me on hold and looked over my information and came back told me he did know see anything in my case they should not take away my bonus reward and he also said this in unusual case and opened the case for me.and told me that someone from American Express will call me in 2-3 days. I was waiting but no phone call. On Wednesday XXXX I called back and asking what happen and why nobody contacts me. She told me it seems they have big issues with these cases so it would take a while and filed the complaint to headquarter for me and gave the case number and assured me someone will call. Today I still do not hear anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

applied for a car loan. XXXX XXXX denied due to credit report. XXXX XXXX credit score XXXX. XXXX credit score XXXX. length of residence too short. Bought my house XX/XX/XXXX paid off mortgage. Too few active accounts. I have 1 department store account. 2 XXXX XXXX accounts and a visa card since XX/XX/XXXX that I pay in full monthly.
Product: Checking or savings account

Back from in between XXXX, 4-8 different accounts was opened in my name in XXXX and they froze my account a few times until they investigated and found out that it wasnt me at all.Im from XXXX and not from XXXX and I havent even been to XXXX at all. They never sent me a letter regarding the fraud and what have happened and how did it happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I sent a letter ( s ) re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up forbearance with XXXX and was approved through XX/XX/2022 through XX/XX/2022 and set up an interest only payment plan that I have been paying and never missed a payment. This brought my account current and put those months in good standing ( I have paperwork from XXXX ). However, XXXX reported the month of XXXX as missed and it dropped my credit score tremendously. I've reached out to XXXX XXXX XXXX department ( in which you can only respond via mail and their customer support department has no clue on the response ) and tried to handle directly with the company and they sent the letter saying they wont change. Next step was me writing this complaint. If this doesn't work I will go to small claims court and sue them for pain and suffering, taking advantage of XXXX  ( person of XXXX from low income area ) customer right after XXXX lifted the Student loan payment pause. The negative information has caused me to get higher interest rates on my credit card and drop my credit utilization with my lenders. Please note that XXXX has updated the status and reported correctly with only XXXX. XXXX hasn't reported correctly on XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint stating my credit reports were in accurate. 
Wells Fargo had reported a first major delinquency on XX/XX/XXXX on my home mortgage to all four credit bureaus. Wells Fargo investigated and said there was no delinquency reported. I received a copy of all four credit  bureau investigations. Three of them had the errors corrected. XXXX  did not. XXXX  is still reporting a first major delinquency on XX/XX/XXXX. On XX/XX/XXXX I spoke with Wells Fargo explaining that XXXX  stills shoes the first major delinquency on XX/XX/XXXX. Wells Fargo again said they never reported it delinquent. XXXX says it can not change it because Wells Fargo denies reporting the major delinquency. I have attached the XXXX  Credit Report that was sent to me. The error I am disputing ins on the bottom of page 12.
Product: Mortgage

In XXXX of XXXX XXXX XXXX  solicited and encouraged me to enter into a hardship plan during the Covid-19 Pandemic, offering a 3 moth deferred payment plan, with the promise of a loan modification or deferral of past due amounts to end of the loan. A month after accepting the offer they transferred the account to Shellpoint Mortgage Company. Shellpoint immediately placed the account into default status and began threatening foreclosure. Additionally, they contracted with another company who changed the locks on my property and alleged to winterized a home that had been previously winterized. 

After filing a complaint with your agency in XXXX of XXXX Shellpoint honored the agreement made with XXXX and my account was returned to good standing. However, Shellpoint has consistently denied me access to the property even though there are no outstanding balances on the property. Every attempt since XXXX to gain access to the property, as recently as XX/XX/XXXX has been met with the same statement. We are escalating your your request and someone will be in contact with you within 24-48 hours. The return calls never happens, in spite of the monthly mortgage being paid and in spite of advising their customer service reps and supervision that the calls were being recorded and that I would be contacting an attorney As a result of being locked out of my home, I have been unable to assess any damage rendered to the property by Shellpoint representatives or lease the property to interested parties. However, my phone is inundated everyday with callers seeking to purchase the property. 

XXXX and Shellpoint 's handling of this property has caused substantial stress and severe mental anguish as every attempt to conduct routine business results in unproductive phone calls no less than 1.5 hours. 

As I stated in the XXXX complaint, XXXX XXXX  and Shellpoint mortgage seems to be complicit and nefarious in their actions with consumers, with a common goal of seizing the properties of unsuspecting people. I strongly urge a full investigation into their day to day interactions with consumers.
Product: Credit card

I've always made sure payments on this account are made on time, avoiding any overdue amounts. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Bank account or service

I opened a promotional checking account with JPMorgan Chase Bank which promised a {$300.00} checking bonus if 1 ) you are a new customer ; 2 ) you deposit {$25.00} at opening ; and 3 ) there is a direct deposit made to the account within 60 days of opening. 

I opened the account on XXXX/XXXX/16 ; first direct deposit cleared on XXXX/XXXX/16 and I received a confirmation e-mail from Chase. The bank never paid the {$300.00} checking bonus, even though all XXXX conditions above were met ant they had confirmed receiving the direct deposit in my account. I contacted them about it, they said they would not be paying the bonus because the amount was processed as an ACH payment, not a direct deposit, which does not make sense, because all ACH does is process direct deposits. Additionally, the Chase branch manager said she could not honor the promotional terms because she was not familiar with XXXX, the online payment platform used for the direct deposit to my account, and maybe it was something new. However, when opening the account I explicitly stated that this is what I use as a XXXX to process payments and was ensured that, as long as there is a direct deposit made to my account within the promotional period, I would qualify for the checking bonus. 

It seems that there are a few issues at hand here that Chase is using to entice new customer - 1 ) they are discriminating against XXXX who, based on recent statistics make up over XXXX of the workforce in the US ; or 2 ) they are misleading the customer to believe ACH deposits are any different than direct deposits. By the widely accepted definition, " Direct deposit '' is a term used to refer to the process where a payment ( most often, wages or recurring electronic benefits ) due to an individual ( " receiver '' ) from another individual or company ( " originator '' ) is sent electronically from the sender 's bank account to the recipient 's bank account. This process uses a nationwide system known as the automated clearing house or " ACH ''. In other words, there is no distinction between an ACH deposit and a Direct deposit. 

Of course, there is always the possibility that their personnel is poorly trained and would promise anything, even if they know it is not true, to get a new account opened. In either case, it is extremely disturbing that at an institution like JPMorgan Chase new customers are signed up using false advertising and even more disturbing that certain customers are discriminated against based on their occupation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I disputed an account with XXXX XXXX XXXX XXXX, the company has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false " late payments '' to my consumer report and closed my account without my lawful authority or notification. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) C. The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX  before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX XXXX to furnish any " late payments '' to my consumer report. It is my belief that due to XXXX XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed accounts that was not reporting accurately. I noticed I have fraudulent activities. Consumer reporting agencies need to report all information accurately. Im now requesting you and remove all fraudulent accounts. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report it should not be there. THAT IS A VIOLATION. I never gave written instruction to furnish any of the following account Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures 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.

I've sent out numerous letters requesting the accuracy of my Credit Report on severaL occassions and I did not get a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me As the consumer. 

The following account is : XXXX XXXX XXXX  Account ending XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

You can see in email being harassed no matter what I say
Product: Checking or savings account

Wells Fargo recently announced to some of their clients that we were supposed to receive a settlement from a lawsuit they had. People whom had an account from XXXX to XXXX were eligible and I yet heard or received my funds. Im requesting XXXX dollars since they did not reach out to me. Thank you sincerely XXXX XXXX