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

I am reaching out because I originally requested XXXX experian and XXXX to validate the XXXX as well as the XXXX XXXX account currently listed on my credit report. This account contains significant inaccuracies, and despite my efforts to address the issue directly with these credit bureaus, I have not received any validation of the information they are reporting. These inaccuracies are seriously impacting my credit score and, as a result, have placed an immense burden on my ability to provide for my family. Ive taken the proper steps by requesting that this account be removed due to the inconsistencies in the reporting and the failure of the bureaus to fully validate the account as required under the Fair Credit Reporting Act ( FCRA ).

Despite my formal disputes, I have not been provided with any documentation that proves the legitimacy of the information being reported. This has left me with no choice but to escalate the matter and file a complaint through your organization. The errors on my credit report are affecting not only my financial standing but also my ability to secure essential resources for my household. I am asking for your assistance in ensuring that these bureaus take the necessary action to correct or remove this XXXX account from my credit report as required by law. I am deeply concerned about the ongoing damage this is causing and need your help to resolve this matter as quickly as possible.
Product: Checking or savings account

I open a checking account with Citibank. The promotion was that if u open a city priority checking account and make a deposit of XXXX then you will receive {$500.00} bonus after 90 days. I made a deposit of XXXX to my city priority and after 90 days have still not received the {$500.00} bonus as promised. I have contacted city and they refused to give the bonus that was promised
Product: Prepaid card

I went and purchased a XXXX gift card and after the fact have learned that the card will not work online ( as it used to ) as there can not be a billing address tied to the debit card gift card. 

I find this to be outrageous as any merchant online ( its intended use ) wont be accepted. 

XXXX, XXXX, XXXX, etc etc is unable to be used for this card. 

They will not refund your money and you can not use it unless in person so you are going to lose your money as you can not get the full amount out from full in person transactions. 


This in my eyes is a total scam and ripoff for anyone buying these cards and trying to buy something online.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. AMERICAN EXPRESS XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Debt collection

I am writing to file a formal complaint against SWC Group regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$120.00}. I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus. 

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. 

Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity. 

In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my signature, which purportedly confirms that proper notification was sent to me. Additionally, I request that you provide me with detailed information about the alleged debt, including the name of the original creditor, the date of default, and the specific charges being claimed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize XXXX XXXX XXXX to access my credit file or solicit any finance offer to me in 2021. XXXX XXXX XXXX has used my credit report and gotten access to my credit file without my permission. My credit was frozen. I did not file any application with XXXX XXXX XXXX. I received a phone call from XXXX XXXX XXXX soliciting asking me if I wanted to get a loan with them for another vehicle and i declined their offer. 

I did not authorize CBNA to access my credit file. I did not authorize XXXX XXXX XXXX to pull my credit file. I have never applied for anything with these companies.
Product: Credit card or prepaid card

I applied for a pre-approve credit card with Capital One and was advised by them that the pre-approval would be applied to my credit report as a soft credit card inquiry and not a hard inquiry which should up right away after applying so I contact the company again and was told that they were not sure why the hard inquiry applied and it was nothing they could do to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 90 days past due on the XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10 and 11 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. 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

I have had  Wells Fargo  for over several months. I believe they have been stealing money from my checking account. I continually try to add the transactions listed on my account but it never adds up properly,  one day I may h ave a few thousands of dollars but then several days later it would be over drafted without a single transaction occurring. But the second and main purpose of my complaint is because i was  XXXX  in the beginning of  2017  by the  XXXX  to  XXXX . While away my checking account took A large loss of funds by someone making unauthorized transactions in the United States. Upon arriving back  to america I a cted accordingly and notified the bank immediately afte r finding out. I was notified by my personal attorney of the The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) and did everything correctly. I also notified the bank that I have Military orders that show I was out of country but within two days after filing a dispute they denied my claim for reasons that show an investigation was not fully done. Wells Fargo stated because there was a transaction that included the entire claim of over   XXXX    transa ctions and over {$1000.00} of my hard earned money was denied.
Product: Debt collection

First of all I have never owned a Comenity Credit card nor have I shopped at XXXX XXXX  I recieved the bill for {$190.00} in XXXX of XXXX. I disputed the charge. I do not recall getting anything back from Comenity.Then on XX/XX/XXXX I got a letter that the account had gone to collections from XXXX XXXX XXXX. I called and spoke a XXXX XXXX on XX/XX/XXXX. I sent him all the information I had. Last week I spoke to somebody who simply said the card was in your name you owe the money. I think XXXX mentioned if I had shopped at XXXX which i have. XXXX changed their credit card company either from Comenity or to Comenity. I think that during the change my information was compromised Again I have nevrer owned a Comenity card
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX I looked over my credit report on XX/XX/year> and noticed this is incomplete and not accurate which mean TransUnion 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 or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence i provided causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts as experians inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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 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 XXXXXXXX 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: Checking or savings account

Dear Sir/Madam, My problem is explained as under 1. I was in the USA in XXXX  on XXXXXXXX XXXX 
XXXX. I have plans to stay for a couple of years so I got a social security number followed by opening a savings account with the Bank Of America in XX/XX/ XXXX 
XXXX. The next month the project ended unexpectedly so I visited your bank and asked for my deposit amount which was unused {$250.00}. 
XXXX. BOA bank officials told me that there is some issue in getting the money so it will take some time and they will refund the amount to me later. I can go back to XXXX and they took all my address and bank details for the refund. 
XXXX. Since XXXX  I never received any refund. I followed up with the bank over the phone ( as I have been in XXXX since then and never visited the USA again ). 
XXXX. Finally I wrote a letter to BOA which I registered posted using the XXXX postal service to the bank on XXXX. 
XXXX. Even then, I never got any response. 
Please help me to get my refund with up to date interest and cost.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I sent my letter out to TransUnion to remove these things off of my credit report that I have no knowledge of this collection account. 9 accounts on my reports that I put dispute. them 9 accounts that I dispute they dined me TransUnion did .so on XX/XX/year> I put in again to have this mess removed. also, with XXXX amount of XXXX I want to have ever thing removed open and close ones on my credit report I can't get a house to live in or anything half of these accounts I don't know about
Product: Mortgage

USBANK Account number : XXXX I have a mortgage with USBANK and due to COVID-19 my income has been reduced by XXXX XXXX from XXXX a month to XXXX a month. With this reduction My monthly debt is still under XXXX XXXX I had to get some things off of my credit report that was because of stolen identity but thats another story. So, I contacted USBANK to let them know that I have been affected by COVID 19 and that I need to get a loan modification for my monthly payment which is {$1700.00} a month, and I need that cut in half due to COVID-19. 

I contacted USBANK on XX/XX/2021, via USBANK website my portal access. On their website it states that if you need help click mortgage assistance so I did ( note this put me in a situation where I could not pay my mortgage for XXXX ) and they asked me to upload required documents ( business tax return, XXXX Statement and Request for mortgage assistance form ( RMA ) and I did. 

After doing all of that I got denied. I have had this mortgage for over 5 years and this is how they treated me. I have more than enough equity in my home and Im not late on the payments. 

I received a call from a USBANK rep telling me that I was denied. But, that is not helping me with this COVID-19 situation. I need a lower rate with no pmi, I am interested in a monthly payment of {$900.00} a month THAT would be the help that I need. 

I got excuses from USBANK, " saying my debt to income ratio was over XXXX XXXX but this is not true because my wife who is a teacher can help with other monthly bills. I need help due to COVID-19. Can the Cfpb help me?
Product: Credit reporting or other personal consumer reports

I SENT A LETTER OUT ON XX/XX/year> to Experian, XXXX, XXXX however its been more days and the credit bureaus failed to send my investigation back according to the law 15 USC CODE 1681I ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Product: Vehicle loan or lease

I consumer : XXXX XXXX jointly with XXXXXXXX XXXX XXXX went into a consumer credit transaction with Santander Consumer USA on XXXX XXXX, XXXX. On numerous occasions we have reached out to SANTANDER CONSUMRT USA about the issues at hand. Most recently we were informed by SANTANDER CONSUMER USA that they do not abide by the IRS/Treasury Ordinance Department , nor the Uniform Commercal Code ( UCC ), nor the United States Code ( title 15 ), nor the Truth in Lending Act ; and finally mot even the Consumer Finance Protection Bureau ( CFPB ). All this is alarming and disturbing. All this was divulged at approximately XXXXPM est. standard time on XX/XX/XXXX with Agent XXXX from executive offices employee # XXXX this was all on a recorded line. Agent XXXX from executive offices employee # XXXX informed he called concerning the requested title for the vehicle. Agent XXXX from executive offices employee # XXXX informed me that they would not be granting me the title. Agent XXXX from executive offices was informed that a 1099-A was done on the account and vehicle and that a 1099-C was going to be done in addition. Agent XXXX employee # from executive offices informed that they do not accept IRS forms 1099-A nor any of the IRS/Treasury Dept . forms or documents. 

The reason this was done was because on XX/XX/XXXX Santander reported the Account status as closed and the remarks regarding the account as ; : charged off as bad debt Profit and loss write-off. When communicating with Santander in regards they denied the account status was closed and that they had reported that ; despite the credit reports reading otherwise. When asking Santander the reason as to why, Santander infomed the charge off was because there was no payment for 120 days. The report read otherwise stating that last paynabt was nade on XX/XX/XXXX and also reported that time late XX/XX/XXXX days were XXXX. This is all in the report. 

The reason Santander most likely closed this account was due to the Affadavit sent to Santander Consumer USA and there tacit acquiesence of non response. Again when reaching out to Santander to in regards to the affadavit sent by registered mail Santander gave me every excuse they could find as to why they have exceeded the legal and lawful amount of time to answer. 

After realizing they charged the account off and reported it closed as profit and loss write off, I filed with the IRS/Treasury Dept . Santander is reporting inaccurate and fraudulent information violating title 15. Santander in addition sent correspondence stating I infomed them I was military and no such correspondence has come from me in regards to the military to anyone. i value our service persons dearly and have many family members serving and that has served this county. This is slander and libel. 

In concluding all documents and receipts are contained within in regards to this report,
Product: Credit card

Synchrony Bank intentionally uses misleading wording on their online auto-pay to trick consumers into their pay in full option, enabling increased interest/investment profit for their XXXXwo week " standard '' reimbursement period ( 10 business day ). While all Synchrony statements are " monthly statements, '' they use the term " statement balance '' in exchange for " pay in full. '' As the bulk of their business model is built around retail financing for " 0 % interest for X months '' promotions, in which the monthly " statement balance '' should be the total account balance divided by the number of months financed, the " statement balance '' option should only deduct this amount as consumers expect that their options are to pay the monthly statement balance to pay the account off within the 0 % interest period, to pay more than the statement balance to pay the account off early, or pay less than the statement balance at the risk of paying interest. However, in an effort to fabricate additional capital at the expense of the consumers, they have created their own nomenclature to promote errant registration to forego the agreed to 0 % interest period in exchange for their " pay in full '' interest income scheme. I had signed up for 0 % interest for 24 months promotion through XXXX XXXX, and then when I set up my online auto-pay through the Synchrony website, selecting to pay the monthly statement balance, they withdrew the full loan amount from my checking account, incurring an overdraft, and then said that they could not reverse the charge but would send me a check in 10 business days. I spoke to mulitiple people with customer service, and was instructed that they were unwilling to reverse the charge immediately and would only send out a check. Using this scheme, the company is able to trick consumers and hold their money for additional interest/investment income.
Product: Checking or savings account

Chime does not do a credit check before opening online checking accounts. Anyone can go online and open an account if they have enough pieces of information. Luckily, there were not any financial transactions completed. I did go on to Chime to reset the password that the thief or thieves had created the online profile with, unable to reset the password. The idea was to lock the thief or thieves out while I was trying to get a hold of Chime on the phone. Chime closed the account, and said something about how they hope that I will come back and give them a try again. I never even opened the account to begin with and have no need to do that!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.