23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to formally lodge a complaint regarding an issue I have encountered with American Express National Bank. On XX/XX/2024, I opened a Business Checking account with the promise of receiving XXXX Membership Rewards points as part of a promotional offer. However, despite fulfilling all the terms and conditions of the offer, I have only received XXXX points. 

I have attached a copy of the promotional offer for your reference, which clearly states the eligibility requirements and the promised rewards. I have made multiple attempts to resolve this issue directly with the bank, but they have not provided any satisfactory explanation or solution. 

This situation is not only frustrating but also misleading, as I relied on the information provided by the bank in making my decision to open this account. I believe this matter requires the attention of the Consumer Financial Protection Bureau to ensure that the bank adheres to its advertised promises and to prevent similar issues from happening to other consumers. 

I kindly request that the CFPB investigates this matter and takes the necessary steps to ensure that I receive the full XXXX Membership Rewards points as originally promised. 

Please feel free to contact me at XXXX or via email at XXXX should you require any further information.
Product: Debt collection

The collection agency named AFNI Inc. does not have a license in the State of Florida to collect any debt. Their continued attempts to communicate with me through phone calls and letters have annoyed me to the point where a formal complaint about this matter Is being filed. This company is not listed on the State of Florida Office of Regulation website ( XXXX ) as being able to conduct business in the State of Florida.
Product: Money transfer, virtual currency, or money service

Robinhood account deposited XXXX $ of crypto and it grew to XXXX $ and then was sold while restricted crypto ( I could not buy or transfer while restricted ) then my account became entirely unusable and no longer accessable due to " security issues '' I can not access my money and they have called me several times during incredibly inconvenient times such as XXXX XXXX  or XXXX during the workday and also today a few minutes ago on XXXX they called me from a nonofficial Robinhood number and put me on hold when I answered. I looked up the number and many others have also reported being called by Robinhood through that number after Robinhood had been conducting fraud with these individuals
Product: Credit reporting or other personal consumer reports

Hello my complaint today is in regard to equifax inaccurate reporting on my credit report. I sent debt validation request with account information to XXXX XXXX about account # XXXX and the documents I was sent back does not match with what the Equifax are reporting. Date opened is mix matched across all the credit reporting agencies, high credit is inaccurate, equifax is reporting late payment on this account they claim to be a collection account # XXXX, which is illegal. On the account they are reporting with jpmcb account number # XXXX claim to be a collection account but they are reporting there are late payments another violation. and the same with XXXX XXXX account number XXXX, This is claimed to be a collection account but is reporting late payments. I have attached copies of screen shots of the the inaccuracies reporting. The credit reporting agencies are getting away with a lot of violations to my consumer report and i am saving all of these communications and disputes just in case I have to take my case to court. A fair resolution will be for equifax to delete these accounts from my credit report and cease reporting them.
Product: Credit reporting or other personal consumer reports

Good evening, Back in XX/XX/year>, someone opened an Apple Card by creditor Goldman Sachs Bank USA under my name, and then closed the account XX/XX/year> maxing out the credit limit of XXXX dollars making the past due balance {$7000.00}. When communicated about this credit card payment I was told to call XXXX credit bureau about this fraud and to file a policy report. I followed through with these instructions but unfortunately this fraud is still showing on my credit report. I never opened an Apple XXXX card. In my credit history you can see that I have 100 % payment history. I would really appreciate assistance with this matter.
Product: Mortgage

I requested for some fees waived and unapplied funds of {$6.00} to be applied to my principal balance, however the representative stated that she was going to escalate this request to the loan servicing department who handles the fee charges. During the review process from the Mortgage company, I was declined for any fees charges to be waived. I followed up with the Mortgage company XX/XX/year> from XX/XX/year>, to get an answer since I never received an correspondence from the Mortgage Company that I was declined for any fee to be waived. I addressed this with the representative and I didn't get an adequate answer. This Mortgage Company mishandled my request for servicing my mortgage loan to perform the transactions.
Product: Debt collection

IM FILING COMPLAINT AGAINST SUNSET FINANCE XXXX XXXX XXXX XXXX GA XXXX. THEIR NUMBER IS XXXX. CORPORATE OFFICE ISXX/XX/XXXXXXXX, SOUTH CAROLINA XXXX [ XXXX ] FOR THREATS AND HARRASSMENT, AND HARRASSING MY SON. THEY CALLED MY SON AND TOLD HIM THEY TURNED ME IN TO COURT ON FRIDAY XX/XX/year> IN WHICH THEY HAD NO BUSINESS MENTIONING ANYTHING ABOUT ME AND MAKING FALSE STATEMENTS CONCERNING ME OR MY ACCOUNT. AND THEN I TALKED TO THEM LATER FRIDAY AND TOLD THEM I WOULD COME IN SATURDAY WHEN I GOT MY CHECK, SATURDAY XXXX THEY CALLED AGAIN TELLING ME THEY CLOSING IN A FEW MINUTE I NEED TO PAY THEM BEFORE THEY CLOSED AT WHICH TIME I TOLD THE LADY I HAD AN EMERGENCY GOING ON WITH MY XXXX XXXX XXXX MOM, I HAD THE AMBULANCE COMING TO CHECK ON HER AND THAT MY CHECK HADNT POSTED YET. AND THIS WOMAN DIDNT CARE ABOUT MY MOM SITUATION, IM ALREADY DISTRESSED WORRYING ABOUT MY MOM TO BE THREATENED AND DEAL WITH HER ATTITUDE. SHE TOLD ME SHE WAS SENDING SHERIFF OUT FOR ME AND THATS IS AGAINST THE LAW TO THREATEN SOMEONE WITH LOCKUP FOR A BILL. I HAVE WITNESSES THAT HEARD WHEN SHE SAID THEY WOULD SEND SHERIFF AT ME. AND I DONT APPRECIATE HER ATTITUDE, HER THREATS AND HARRASSMENT. THERE IS A WAY TO TALK TO PEOPLE WITHOUT THREATS AND THE AUDACITY TO SHOW NO COMPASSION TOWARD MY MOMS HEALTH PROBLEM THAT IS SERIOUS I DO NOT APPRECIATE AT ALL. I KNOW MY RIGHTS AND THEY HAVE BEEN VILOATED. I DON'T THREATEN OR HARRASS THEM AND THEY ARE NOT GOING TO DO IT TO ME
Product: Credit reporting or other personal consumer reports

I have complained over and over to Experian about " XXXX XXXX ''. They are illegally furnishing TWO inaccurate accounts on my credit file that I have disputed several times. You have and are continuing to violate the FAIR CREDIT REPORTING ACT pursuant 15 U.S. Code 1681 ( i ). I NEVER gave your company consent to your company making a credit report on me, ( XXXX XXXX XXXX XXXX ( b ) ( XXXX ) Your company ASSUMED I wanted one and now you are refusing to remove, correct and delete the inaccurate ( 15 U.S. Code 1681 ( a ) ( 1 ) information being reported on me. Fair access to credit is crucially important for building wealth and strengthening household financial stability and I have been stripped of that right because you refuse to report accurate or fair and report maximum possible accuracy on my report. I am not seeking redress for the time I have had to continue to fight this issue. The next complaint will be a lawsuit. Do what you are suppose to do and remove these inaccurate items today!
Product: Credit reporting, credit repair services, or other personal consumer reports

My closed XXXX XXXX credit card account was reported to XXXX as XXXX late. I made a payment to bring my account current before XXXX days in the amount of {$80.00} on XX/XX/2022. I tried logging into the Commenity website to verify this but it seems the account dashboard is down. It was taken out of my checking account though.
Product: Credit reporting, credit repair services, or other personal consumer reports

South East Toyota Finance, has reported to my credit incorrectly, recently XX/XX/2021 they updated a 6 year old charge off on my credit incorrectly with XXXX. My score went down XXXX points. They are showing i have no good payment history only the bad. They removed the correct reporting and added something new. This vehicle should have been paid off because I had gap insurance and they received the funds. SETF also is increasing the charge off amount each month. The credit reporting isn't consistent. The reporting to XXXX  shows I have a current a current missed payment and currently null which isn't showing, the credit need to reflect the correct information. I have two accounts with SEFT they need to be updated on my credit report. I have tried many times to fix this. I have been punished due to their incorrect information. Forced to pay higher interest rates and fees due to SETF incorrect reporting.
Product: Credit reporting

The reason I am complaining to day is because I went to XXXX XXXX union to close on a loan and when they went to establish membership for me and got a copy of my chexsystems file they denied me based on information that they received from Chexsystems. XXXX is saying that there is an account with XXXX XXXX reporting a {$52.00} charge off. I have never conducted business with this company and I called them to verify with my social if they have me in there system? and they had no record of any account with my social. I contacted the chex systems phone number and gave the representative my information and he was able to pull up my file but found no record of any account reporting a charge off in my name. The bank is requesting a letter from chex systems stating that their are no negative charge offs showing on my report. Chex systems is telling me they will be mailing me my file but this is not going to help me as I am on a time limit in approval for this loan that I have been approved. My father and my brother carry the same name and I am afraid that my information might be getting mixed when financial institutions pull my file. This needs to be addressed with chexsystems.
Product: Bank account or service

I am writing in regards to my Regions bank account. When you call the automated system to verify that checks have cleared my account, the system says that the check has cleared and then the funds are taking out the account. Several days later the money goes back into the account and the check is returned. But the automated system says it 's paid. I also filed for a loan on XXXX different occasions and the never received a denial letter from the bank. The first time I went in I applied for a loan, no letter. Go back a second time and apply with a co signor with a XXXX credit score. I then received a letter of denial but the co signor did n't receive a denial letter. Go back and speak with the branch manager and he stated I could receive the loan with co signor. He stated he did the loan but was denied. Still no denial letter. This is blatant discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM IN NEED OF RECEIVING AND REPORTING SUSPECTED FRAUD OR MISUSE OR ABUSE OF AND THEFT OF MY SON 'S SOCIAL SECURITY NUMBER AND THUS, CREDIT STATUS. 

THE SOCIAL SECURITY CARD WAS STOLEN XX/XX/2012. 

MY SON IS XXXX YEARS OLD AND HIS BIOLOGICAL FATHER WAS LAST IN THE ROOM WHERE THE VITAL RECORDS AND MY WALLET ( INCLUDING MY SON 'S SOCIAL SECURITY CARD ) HAD BEEN PHYSICALLY PUT AWAY ON MY DESK AND IN BACKPACK ... .WHILE FATHER VISITED WITH MY SON ALONE AS A COURTESY FROM ME AND OUR VISITATION ORDERS AFTER FIVE + HOURS, THE WALLET AND RECORDS WERE NO LONGER LOCATED. 

I WAS LED TO BELIEVE I HAD GIVEN FATHER COPIES OF RECORDS, ETC, HOWEVER, I WAS NOT GOING TO ARGUE OR BRING UP THEFT DUE TO VIOLENCE POTENTIAL. 

WITH FULL TIME WORKING AND PART TIME SCHOOLING I SOUGHT AND OBTAINED REPLACEMENT CARDS AND RECORDS WITH THESE REPLACEMENTS BEING INCORRECT NAMES FOR MY SON AND I BOTH. 

I AM CURRENTLY AS OF TODAY REPLACING MY SONS AND MINE SOCIAL SECURITY CARDS AND REPORTING PASSPORT STOLEN. I AM NOT POLICE REPORTING AS I HAVE EXHAUSTED MY TIME AT POLICE STATION WITH REPORTS OF XXXX, XXXX XXXX, AND HAVE EXHAUSTED LAWYER CASE MANAGED COURT CUSTODY HEARINGS IN XXXX COUNTY TEXAS FOR AND AWARDED WITH SOLE CUSTODY OF MY SON. 

XXXX XXXX HAS RECORD OF XXXX AND XXXX AND XXXX XXXX. 
HAS BEEN KNOWN TO HARASS ME WITH PHONE CALLS, THUS, I SEEK A SIMPLE EASY SOLUTION INTO OBTAINING A REPORT FOR MY SON 'S CREDIT
Product: Vehicle loan or lease

The company/lender is trying to repo our car, Its the only car we have and depend on this car for work in order to pay our bills, without this car nothing gets paid and we lose everything including our home. 
We have offered to pay them {$1000.00} a month to get the loan current, that 's over {$300.00} more then the loan payment, we have asked several times for them to reconfigured the loan in order to get the payments lowered as to make it more affordable for us to manage after losing my job, they refused, in turn this resulted in falling behind with the payments, and the car ordered for repossession. 
Is there anything I can do about this and them refusing offered payments?
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB - XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

sent a hippa validation letter never got a respond back. Sent letter back in XX/XX/2021
Product: Debt collection

Zion debt holdings, placed a collection on my credit report in late XXXX. Zion debt holdings advised by telephonic communication they were attempting to collect a debt for XXXX. I advised Zion debt holdings that I do not owe any debt to XXXX and that I filed XXXX  XXXX bankruptcy in XXXX and the bankruptcy was discharged in XXXX. I sent a debt validation letter to Zion debt holdings located aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not received a response validating the debt. Zion debt holdings collection account appears on my credit report. Any attempt to collect on a discharged debt is illegal and they are legally prohibited from attempting to collect on it ; this means they can not contact me to demand payment, as the debt is considered null and void due to the bankruptcy discharge order, and any attempt to collect is considered a violation of the it is considered a violation of bankruptcy law and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company '' SYNCB/XXXX '' 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.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unresolved inaccuracies on my credit report held by Experian. Despite my numerous attempts to resolve this issue, including sending certified letters in XXXX and XX/XX/XXXX, the errors remain uncorrected, significantly impacting my life and infringing upon my rights under the Fair Credit Reporting Act ( FCRA ). 

The erroneous information has had a significant impact on my ability to secure employment, obtain credit, purchase a home, and more. For example, I was recently denied a job offer due to the inaccuracies on my credit report. I have also been denied credit for a car loan and a mortgage, which has limited my ability to purchase a home. This has caused me significant financial hardship and stress. 

Therefore, I urge the CFPB to intervene and ensure a thorough investigation by Experian into the disputed accounts listed below XXXX XXXX XXXX | {$8800.00} | Account # XXXX XXXX XXXX  | {$10000.00} | Account # XXXX XXXX | {$2100.00} | Account # XXXX XXXX XXXX XXXX | {$1600.00} | Account # XXXX XXXX | {$11000.00} | Account # XXXXXXXX XXXX XXXXXXXX | {$4300.00} | Account # XXXXXXXX XXXX XXXX | {$4300.00} | Account # XXXX XXXX XXXX  | {$5600.00} | Account # XXXX XXXX  | {$11000.00} | Account # XXXX XXXX XXXX XXXX | {$580.00} | Account # XXXX XXXX XXXX XXXX | {$6400.00} | Account # XXXX XXXX XXXX XXXX XXXX | Lates on XXXX XXXX, XX/XX/XXXX, and XXXX and XXXX XXXX I request the CFPBs assistance in rectifying this matter promptly. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : DEMAND DELETE INMEDIATLY INQUIRIES UNAUTHORIZED UNDER CREDIT REPORT I recently reviewed my credit report and found unauthorized inquiries. 
I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal. 
I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

I demand that the following INQUIRIES be verified or removed immediately. 
The following inquiries are not authorized : Creditor : 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 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 I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law. 

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

To Whom It May Concern, XXXX XXXX XXXX  online services keep kicking out automatic draft. They have change there website. This cause my account to have its first ( 1 ) 30 day late. I have never been late. This was not my fault. I need 30 day late on credit report remove. This is a Billing process error on XXXX side. 

Im very upset about this confusion. Please delete ... ..I already notified XXXX.
Product: Money transfer, virtual currency, or money service

I purchased Ethereum from Coinbase on XX/XX/XXXX for {$200.00}, Litecoin on XX/XX/XXXX for {$150.00}, and Bitcoin on XX/XX/XXXX for {$210.00}. My Coinbase account was credited for these transactions. Then on XX/XX/XXXX, the transactions were reprocessed through my bank account. I disputed these charges with my bank because I did not make them. No additional cryptocurrency was credited to my Coinbase account for the false charges. The charges were refunded to my bank account. On XX/XX/XXXX, Coinbase removed {$570.00} worth of cryptocurrency from my Coinbase account. I have emailed them many times and created numerous support tickets to no avail. Coinbase will not credit my account or issue me a refund for the {$570.00} in cryptocurrency they removed from my account. Their customer service is mostly email bots that can not assist consumers with their actual issues. Their customer service is non-exsistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ACQUIRED MY CREDIT REPORT AND ASKED THE CREDIT BUREAUS TO CHECK AND MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681i I WAITED 30DAYS AND I HAVENT RECEIVED NOTHING BACK MY TRACKING NUMBER IS XXXX AND ONE MORE THING, THEY DIDNT EVEN RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION. 
XXXX, AND XXXX AND EQUIFAX IS HOLDING ME BACK FROM BUYING. NEW HOME AND CAR DURING THIS HARD TIME IN THE WORLD. I AM STRUGGLING AND TIRED OF PAYING HIGH RENT. 
THE CREDIT Bureau IS NOT DOING THEIR JOB ACCORDING TO THE LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the three reporting agencies about a collection account that is incorrectly reported as mine. Both XXXX and XXXX corrected and deleted the account after their investigation. However, EQUIFAX refuses to delete this account from my credit report. The party responsible for the account even wrote a letter to EQUIFAX explaining that the account is theirs and NOT mine. They still refuse to delete it. I am a student trying to establish credit and use it responsibly, I monitor it and I recently received a student credit card to help me increase my credit rating. Unfortunately, this account that is incorrectly reported is hurting my chances to manage my credit responsibly. I appreciate any help you can provide to me. Thank you.