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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c2 ), that you, The TransUnion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened and collections accounts opened. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of all accounts and inquiries in question as well as a copy of the fact that my personal information was impacted by the XXXX XXXX XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX, the supervisor at XXXX threatened me directly in regards to my auto loan. I have been fighting this with Hyundai, but agreed to pay $ XXXX/mo in the meanwhile. XXXX would not accept the payment and proceeded to tell me multiple times in the call " you will see what Hyundai is capable of doing to you '', making me feel threatened, vulnerable and extremely uncomfortable. He brought up legal action- whereas they are NOT a law firm but a collection agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX provided incomplete and improper information in their android application which lead to to my account being put in default ( over a {$3.00} charge ) due to the fact that the application listed no balance on the account. 

What was not apparent ( and in no way visible using their android application, which is the primary way I interacted with XXXX XXXX ) was that they were calculating interest AFTER the amount shown as the total amount due, but NEVER UPDATING the amount due on the app. 

So, the user would see a XXXX balance, even though they were calculating a small amount of interest ( XXXX XXXXXXXX {$3.00} ) and applying it to the account. 

How can you possibly pay an amount when you don't know what the amount is, and the amount due is shown as XXXX? 

This ( in my opinion borderline fraudulent ) practice, led my personal credit score to decrease by about XXXX points. 

Over {$2.00}!!! 

The bank was completely unapologetic regarding their application ( in fact their representative said during a presumably recorded phone call that the app does not provide the full information regarding the account status ) failure to provide complete information. 

I have since closed my accounts with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several different occasions, my credit report was pulled with out authorization. Listed below are the different companies : Chase bank inquiry from XXXX XXXX, XXXX, XXXX XXXX inquiry from XXXX XXXX, XXXX, XXXX XXXX inquiry from XXXX XXXX, XXXX
Product: Checking or savings account

I deposited high yield saving account of Marcus by Goldman Sachs and tried to withdraw XXXX usd on XX/XX/XXXX but they didnt let it happen. I called and they said needed verification. An agent told me I was not allowed to transfer and need to complete a physical document. I have all information they need and they should not have verification needed. It looks like a scam. I went online and saw others having the same situation and wanted to get all my XXXX money out. But the second time I called them an agent said it was ok to withdraw. After the call, I waited a few days and the money was still not out and bounced back to the account. I called again and they said I needed a physical document to be notarized. Now is Already XXXX and the document is still not here. They would not provide any reason why the verification failed and kept holding the money. I need the money out asap. Please help. 

I need the money with interest out asap and close the account, if possible potential compensation for all the extra effort I have to go through to get this matter settled. 

XX/XX/XXXX : The document they need me to fill in to verify has not been mailed. They said it needed another 7-10 business days. Its ridiculous. Its been 15 days since I wanted the money out. I still haven't gotten it due to their mailing delays. There was no reason provided for the delay. There was no way they could speed up the process. 

XX/XX/XXXX the paper work still hasnt arrived. I called again with answering millions of useless questions, it says its still on the way. Its been a month since I want my money and I havent gotten it. And I didnt receive the documents they said they needed to verify the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX Balance : {$7600.00}
Product: Vehicle loan or lease

On the XXXX day of XXXX, 2022 I signed a contract with XXXX XXXX to purchase a vehicle. I financed the vehicle with {$2000.00} down and 16 % interest. According to information from 15 U.S. Code Section 1662- Advertising of Down payments and installments " No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified periodic consumer credit amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. '' I wish to cancel that contract because according to 15 U.S. Code Section 1605 - Determination of Finance charge " Charges or premiums for insurance, written in connection with any consumer credit any consumer credit transaction, against loss of or damage to property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended. ''
Product: Credit reporting

Equifax has not removed the credit inquiry from XXXX XXXX place on XXXX XXXX, 2016. They advertise they have 30 days to remove the inquiry if incorrect. They are not reading the original complaint Case number : XXXX. This needs to be removed as it was not authorized within my original complaint. Equifax consider this my demand to remove it immediately. I will not stop complaining until it 's corrected or I 'll have my attorney handle it directly. This is being used for documentation purposes.
Product: Credit reporting or other personal consumer reports

My identity has been stolen someone used my information to try and take out car loans as well as open bank accounts.
Product: Credit reporting or other personal consumer reports

Companies continue to violate the consumer protection act I'm an XXXX man and these harms and willfully knowingly and XXXX XXXX  has caused tremendous harm these items need to be removed or correct to reflect non adverse and non derogatory remarks on my consumer report and these companies need sanctions and injunctions and ordered relief urgently as this is an emergency restraint of trade breach of fiduciary duties as well as anti trust violations!
Product: Credit reporting

I was refused a copy of my free annual credit report from Trans Union. 

I was refused a refinance on my home from XXXX and XXXX XXXX XXXX. 

I need free copy of my credit report so I can find out why I was refused a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the following creditors regarding my accounts showing late payments and asked kindly for them to be removed but they will not remove them. I was never late on these accounts and demand for the profiles to be deleted from my credit report. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX ACCT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX DEPT OF ED/ XXXX XXXX {$11000.00} {$8600.00} {$6300.00} {$5000.00} DEPT OF ED/ XXXX ACCOUNT NUMBER XXXX {$11000.00} {$8600.00} {$9900.00} {$5000.00} {$5100.00} {$3100.00} {$3300.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting false information on my credit report. Addresses, accounts and names that aren't mine. One of the addresses was in Texas and I've never lived in Texas or visited the state. I've tried multiple times with each credit bureau to resolve the matter but nothing has happened. These companies are violating my rights and privacy to personal information 15 USC Section 604 A Section 2. These institutions are falsely reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquires XXXX This needs to be resolved.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and XXXX payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, Discover erroneously reported my co-signer and I for a late payment when in fact the account is current and doesn't have a due date until XX/XX/XXXX.
Product: Credit card or prepaid card

I called Citi to make a payment arrangement on XX/XX/XXXX, whereby my account would be closed ( i.e., no further charges ) but the interest rate would become 0 % and I would make 60 equal monthly payments of {$87.00} starting on XX/XX/XXXX, which Citi would take automatically out of my checking account. At the end of 60 months, my Citi balance would be {$0.00} and the credit card would be considered paid off in full. 

Citi failed to take {$87.00} out of my checking account on XX/XX/XXXX and again on XX/XX/XXXX. Instead, according to their most recent statement on XX/XX/XXXX, I have a minimum payment due of {$990.00}. I called Citi and they acknowledged verbally that the payment arrangement of XX/XX/XXXX is valid but that Citi 's computer systems have failed to process it correctly. The matter is being reviewed by Citi 's " offline team, '' but so far they have taken no action to correct the problem. 

In the meantime, Citi 's computer system has generated demand letters to me for the minimum payment due as " reflected on [ my ] monthly statement. '' The Citi letter states that they " may report information about your account to credit bureaus. '' The persons I spoke to today at Citi are unable to do anything regarding credit reporting, but they did confirm that such credit reporting is done automatically by their computer. 

It's pretty obvious at this point that Citi 's " offline team '' is taking forever to fix their processing glitch and that I am likely soon to be vicitimized by Citi 's computer 's automatic false negative report to credit bureaus, which will no doubt cause me harm ( such as potential denial of new credit from other creditors, or denial of a job by a prospective employer! ). 

I have tried to no avail to escalate the matter within Citi. XXXX, employee ID XXXX, account manager at Citi, is the highest level person I have been able to speak with. He is arranging for his manager to give me a call back within 3 days, but XXXX says that he or she operates from the same operating manual as XXXX and therefore won't be able to offer me any relief.
Product: Credit card or prepaid card

On XX/XX/XXXX, I spent over 4 hours trying to get a replacement for my expired XXXX Mastercard ending in XXXX ( expired XX/XX/XXXX ). I called the XXXX Mastercard Customer Service Center ( XXXX ) # ( XXXX ) on the back of my card, who told me I could not get my old Mastercard re-instated, and to go to : XXXX XXXX XXXX and press the " Apply Now '' button to apply for a new card. However, when I did this, I was sent to my XXXX account, where there was no link to a new XXXX Mastercard application. When I complained about this to XXXX, I was told to complain to XXXX Customer Service. I had XXXX Customer Service call me several times. Each time, they told me there was nothing they could do, and to call XXXX. I was put on hold numerous times, and dropped from calls several times. I have excellent credit, and have no idea why I was not sent a new XXXX Mastercard before the old one expired. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

In XX/XX/year>, my family experienced a financial change that impacted how we needed to adjust payments for the bills we are obligated to pay. Due to the financial change of having one household income, paying the mortgage became simpler to break apart the mortgage into 2 payments to be paid by the XXXX of every month. We began making our monthly mortgage payments on a bi-weekly basis. Since then, Ameris has had issues with how we are making our mortgage payments. When we reviewed our contract with Ameris, it simply states that we need to make the payments by the XXXX of every month which we have done. 

The company was not pleased with our monthly payments and although we paid the mortgage by the XXXX, the payments were not processed until after the due date hence creating late payments and late charges applied to the mortgage. The monthly payments have been made on time each month. XXXX we were making the monthly payments on time, Ameris was not applying the payments until after the past due date by keeping the payments in a suspense account. We received letters that Ameris was moving forward with foreclosure until we hired an attorney. In addition to the late fees, Ameris falsely reports to the Credit Bureau that the mortgage payments are late when in fact, they are submitted by the XXXX of each month. 

Moreover, Ameris placed the monthly mortgage payments in a suspense account rather than apply the payments to the mortgage. On the checks made for the monthly payments, we have designated that the payments be made to the mortgage payments. Ameris refuses to apply the mortgage payments to the mortgage. 

I am aware that Ameris has been noted for redlining and other violations towards homeowners. What Ameris is doing regarding the suspense account for our monthly payments and not applying the payments towards the mortgage is wrong. In addition, Ameris charging us late fees for the mortgage payments that have not been late is wrong. Their records show that the payments are made prior to the XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 2 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Checking or savings account

There are four Frauds on my account again which start on XXXX XXXX amount. XXXX $ for XXXX XXXX XXXX  : XXXX XXXX XXXX Iam not responsible for it. 

the second Fraud one was on XXXX XXXX amount XXXX $ for XXXX XXXX : XXXX XXXX which Iam not responsible for it. 

the third one on XXXX XX/XX/2023 amount XXXX $ for ACH HOLD XXXX XXXX XXXX which Iam not responsible for it. 

the fourth one on XXXX XX/XX/2023 amount XXXX $ for ACH HOLD XXXX XXXX XXXX XXXXXXXX XXXX which Iam not responsible for it as well.
Product: Student loan

My student loan was transferred from XXXX XXXX to American Education Services. I received a letter saying that the loan would be transferred. The day after that date I logged into the American Education Services webstie ( www.AESsuccess.org ) but I couldn't see anything, I contacted their customer service and was told it would take 72 hours, at most, for the information to be uploaded and that I should check back on XX/XX/XXXX. Today, on XX/XX/XXXX I tried to make another payment and still could not see my loan information. Again I contacted customer service, and again they could tell me nothing about my loan other than that they were working on it and that it would take until XX/XX/XXXX. When I inquired if that date was certain or if it might take longer the customer service rep basically responded with " it might take longer '' and that I was not the only person who had a loan transferred from XXXX XXXX to American Education Services.
Product: Debt collection

RENTDEBT AUTOMATED COLLE Last reported XXXX  XXXX, XXXX {$3900.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 1 yrs, 0 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX   XXXX This information was placed on my credit and I was not given a chance to dispute debt. This information is incorrect and it needs to be removed
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX, DE. XXXX Dear XXXX XXXX : I am very distressed that you have included information in my credit profile due to its damaging effects on my good credit standing with on time payments. As you are aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either yours or the reporting creditors part. It shows on my credit reports from all three credit bureaus that I have delinquent payments from XXXX XXXX XXXX. This is simply not true because I had to speak to a representative every month about my payments and everyone kept giving me the run around and different answers to cause this to happen. Although I did make payments each of these months, the three billing cycles that may cause this confusion are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told by a representative over at Customer Service that you guys did not receive my school deferment information until XX/XX/2020, in which, I started my XXXX semester XX/XX/2020. Every month when I spoke to a representative not everyone was on the same page, which caused this confusion. I am very on top of things when it comes to making payments on time and would like this to be taken care of immediately. 


Please be so kind as to forward me documentation that you have had the inquiry about delinquent payments removed.