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

I believe that this financial institution pulled my credit several times over the past two years. It is not a matter of identity issues, just the fact that my credit was pulled too many times for one transaction. Accordingly, I respectfully request that the inquiry pull in XXXX or XXXX be deleted from my credit bureaus respectfully. Thank You!
Product: Credit card

At the XXXX XXXX XXXX on XX/XX/year> I was approached by XXXX XXXX and we set up an appointment with XXXX XXXX to attend a seminar concerning timeshare I attended a timeshare presentation on XX/XX/year> at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX for XXXX XXXX. XXXX and XXXX told me they would run a soft credit check to see what I would qualify for if I got approved and was interested in their product. I declined their product and the credit card. The next day I was sent an email that a credit card was being sent to my house.
Product: Debt collection

I have received a notification that National Credit Adjusters file a collection account on XX/XX/XXXX, their reporting date states the this account was open on XX/XX/XXXX, this account was already open through another collection agency and was under dispute, no mailing notification was sent to me to allow me validation request, as per law allowsme 30 days to do this.
Product: Credit card or prepaid card

I called American Express on XX/XX/2019 and was told that I qualify and am pre-approved for an upgrade to my current credit card, from Gold to Platinum, and that this will come with additional benefits such as additional XXXX Skymiles and XXXX Medallion points. The credit card does have an annual fee of {$190.00} that the customer service representative said she will try to waive. I confirmed several times that this upgrade would be to my existing American Express  Gold Credit card, and that since this is an upgrade, my account number would stay the same and that in fact the new card ( Platinum  ) would have the same number. the customer service representative confirmed this several time. At the end of the call, I was asked a series of odd questions regarding my income, employment status and other personal information which I found weird since American Express should have had these since I am an existing customer and I was told I was pre-approved for this upgrade. Two days later I received a letter in the mail with a whole new credit card, with a new account number, labeled " new account credit card ''. American Express ran my credit report, and in fact did a whole new application for a whole new Platinum credit card, instead of just upgrading my current credit card. So now I have two American Express credit cards, which is not what I agreed to. So they did this without my permission or consent. This is clear bait and switch, and fraudulent employee practices taking advantage of me and violating customer trust. This is very unexpected, cross-selling or upselling is the practice of deceptive sales practices and is widely known as PINNING. I have contacted American Express several times and spoke with a manager who I escalated this issue to, she stated she will look into it, and provided me with her extension. However, I have attempted two times to reach her and have been unsuccessful because American Express is telling me they can not forward me to her, and that they will try to reach her to contact me. This is a week later and I still have not heard back from this manager. I also contacted American Express executive escalations department via email with all the details, and I have been given the runaround. A member from Executive Offices keeps telling me that my complaint has been deployed to the proper department and that I should wait to hear back from someone. No details were given to me about which department or the time I can expect a call back. My wife just gave birth to my daughter in XX/XX/2019, and we are looking to save money for a downpayment and build my credit. American Express impeded this by running my credit without my consent to submit a fraudulent credit card application for which I did NOT consent.
Product: Checking or savings account

Several months of not being able to transfer funds, have complained several times to discover bank, still no transfer available
Product: Credit reporting or other personal consumer reports

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. 

- Account number : XXXX, Account name : XXXX XXXX XXXX I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 XXXX XXXX XXXX XXXX XXXXXXXX TN, XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : I am writing to dispute the following information in my credit file. I recently received a copy of my credit report, and I noticed there is a few unauthorized credit inquiries made by the companies I'm not familiar with listed above. Based on true facts this is my 3rd complaint so far to Equifax regarding multiple errors, but I have not applied for any credit authorizing to the companies to view my credit report. The listed credit inquiries was made without my consent and authorization. Prior to your investigation, I'm requesting validation ( Matching addresses, names, phone numbers etc. ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Submitted a dispute through Experian. Account appears twice on my credit report, XXXX under XXXX and again under XXXX. Both accounts show charged off with the same account number and balances owed which is correct. Tried to get XXXX of them removed through the dispute process but XXXX and Experian refuse to do so. Contacted XXXX by phone and they said there is nothing they can do about it and I have to deal with both negative accounts until XXXX. I didnt realize that a company can switch names and report to the credit bureaus twice for the same account.
Product: Credit reporting or other personal consumer reports

I was advised by a Transunion and XXXX representative to fill out this report because of unauthorized inquiries on my report. Please remove all of these fraudulent unauthorized inquiries on my report. 

Please remove all of the fraudulent unauthorized inquiries from my report. Thank you for your help. This is hurting my credit and reporting false information for future creditors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen has approved us for trial payment plan for a HAMP loan modification. Payments are due on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/2016. I read on the US Department ofTreasury website that the Obama Administration extended the application deadline for MHA programs to XXXX XXXX, 2016. I was told by my relationship manager, XXXX XXXX, that it may make take several months after the third payment is made before we are approved for a permanent loan modification.
Product: Debt collection

Trans union continue to keep this fraud debt collection on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The amount and dates on credit bureau 's are in accurate. Please review and remove. Thanks
Product: Debt collection

I received a letter from AIC- Allied International Credit Corp. , informing me that I owe to XXXX current amount {$300.00}. I contacted XXXX  and received a confirmation email with {$00.00} balance. ( email from XXXX attached ) Please review my record /supporting document attached, and make sure the fraudulent amount will not be reflected under my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking a vantage of due to malpractice while several laws has been broken Under the FCRA by your company This has caused me Financial injury Also defamation of character I cant get a job or I can obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} XXXX - {$13000.00} Citi Bank - {$6600.00} Citi Bank - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
Product: Debt collection

Discover Card XX/XX/XXXX - First Statement Date {$5200.00} Filed XXXX XXXX XX/XX/XXXX Filed Report with XXXX  Filed dispute with Discover and all XXXX Reporting agencies Requested Original Contract on several occasions to investigate myself. Debt collector only send me statements and refuse to acknowledge my identity theft claim. 
May have been due to XXXX breach in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with XXXX. They were not correctly reflecting the balances on my credit cards making it appear that I had high balances on my cards ... they fixed the error on 2 of my chase cards but completely deleted one of my chase cards with a limit of XXXX and a balance of {$0.00}. I uploaded the statement of the credit card along with a note explaining the error and disputed twice but still my card is gone from my report. my score is affected as it has lowered my available credit and increaded my debt ratio. I would like my chase card put back on my account with balance updated.
Product: Credit card or prepaid card

I don’t have specific dates. Bank of America closed all my accounts that were all in good standing. Wouldn’t disclose reason. When the accounts were closed my auto pay stopped and I wasn’t even aware the accounts were closed. I tried disputing the late fee charge but was told they couldn’t help me because the account was already closed. I continued to pay until a few months ago when a payment I sent through my bank didn’t go through. And was then charged another late fee. I called and wanted to pay off the account in full if they would take the two late fees off but absolutely no way they would do that. At that point I owed roughly XXXX plus the 2 late fees which were $XXXX  each. In protest I decided not to pay anything and now my FIco went from over 800 to XXXX. Please help. The balance now exceeds $XXXX
Product: Credit reporting or other personal consumer reports

Closed Auto Loan XXXX XXXX. Paid in Full Settlement Amount It was a Pay to Delete Agreement. 
Credit Bureau updated it as Paid for less than balance, Settled and has not been deleted.
Product: Debt collection

The Global Lending Services. company is accusing me of owing them over {$8000.00} they are submitting nothing relating to facts. I have asked the CT state Senator and the CT XXXX to get involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and XXXX XXXX and Chex system and they keep telling me to call each other. Chex system says I have a an account of XXXX $ I owe and I never used a XXXX XXXX account I called XXXX XXXX they said they do not see anything that shows I owe this money. Please help me resolve this I cant get a bank account nothing I cant even get my report from Chex system
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS ALSO NOT A DUPLICATE REQUEST, YOU CLOSED MY FIRST COMPLAINT OUT XXXX STATING THIS WAS ALREADY SUBMITTED. WHICH IT WAS NOT. HOW CAN THE CFPB CLOSE MY COMPLAINT AND NOT EVEN FORWARD IT TO THE COMPANY WHEN I HAVE NEVER SUBMITTED THIS? 

PLEASE REVIEW THE ORIGINAL COMPLAINT THAT YOU DISREGARDED XXXX
Product: Mortgage

My original loan amount for a condo in XX/XX/XXXX was {$160000.00}. The remaining principal is {$150000.00}. That condo is now estimated at {$230000.00} in XX/XX/XXXX. 

My home is well over value, I have never missed a payment, and requested PMI be removed. Freedom Mortgage started the process of removing PMI, cashed my check to pay for a brokers opinion inspection, and then transferred my loan before the process was complete. Ultimately they took my " non refundable '' {$150.00} payment for the inspection and are refusing to complete the PMI removal process due to their decision to transfer the loan. 


XX/XX/XXXX I sent an email asking for my PMI to be removed from my mortgage at Freedom Mortgage Company. 

XX/XX/XXXX I received an email that they forwarded my message and will mail me a letter. 

XX/XX/XXXX Freedom mortgage dated a letter to me sent via XXXX. 

XX/XX/XXXX I received an email with the XX/XX/XXXX dated letter saying that I needed to mail in a completed form, NON-REFUNDABLE {$150.00} check and wait to be contacted by a Broker to get a price opinion. 

XX/XX/XXXX I paid for a stamp to mail the completed letter to Freedom Mortgage and a check for {$150.00}. 

XX/XX/XXXX I received an email from Freedom Mortgage stating that my loan was being transferred effective XX/XX/XXXX to XXXX XXXX XXXX. I called Freedom Mortgage to see what would happen with my pending PMI removal and they said nothing would happen with that and to wait until the mortgage transfers to remove PMI. 

XX/XX/XXXX Freedom Mortgage cashed my check for {$150.00}. 

XX/XX/XXXX I received a call from a Broker to schedule a price opinion for Freedom Mortgage. I called Freedom Mortgage and again was told to wait until the loan transfers to XXXX XXXX. I explained that the removal of PMI was already in process before the loan was going to be transferred and I already paid for it. The customer service agent had no additional information and transferred me to a sales associate who was not able to help me. I then sent another email to Freedom Mortgage requesting a call regarding this issue.
Product: Debt collection

I C Systems the collection agency has gathered a debt by XXXX XXXX XXXX. This debt is invalid as the items had been canceled due to the transaction not being valid. It was not valid because they did not complete the agreement in good faith. I was sent the wrong spice rack and they refused to accept it back. I then canceled the rest of the items ordered. They insisted on me paying for the items never accepted. XXXX the Financer sided with me on this dispute and eliminated my obligation and debt. XXXX XXXX XXXX got mad and insists I pay for the items even though the agreement was for XXXX to finance it. They have sent my account to a collection agency but they are not owed anything.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is attempting to collect a debt for XXXX. I do not owe a funrize company anything. This company created an account due to identity theft fraudulently and proceeded to charge me {$800.00} I emailed this company after XXXX  them, and they told me that the account was banned and couldnt redeem and that all charges would be refunded back to my account. That I wasnt allowed to use their platform which is fine because I dont anyways. They then send me a debt collection letter telling me I owe funrize {$49.00} and {$30.00} in fees 5x I dont owe that because Ive never used this companies platform and dont even have an account with this company. This is a fraudulent debt and not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020, I mailed a letter to Transunion disputing errors on my credit report. To date, I have not received a response from Transunion regarding the investigation results.
Product: Student loan

I received notice from XXXX XXXX that my XXXX  credit report showed an increased balance due to Navient Student Loans. I called Navient to inquire how my balance had gone up. Their reply was that since I was again a student that my loan had automatically been deferred by the system. I explained to the customer service rep at Navient that I was never informed that I could defer my loan, that I never requested that my loan be deferred, and that I never authorized my loan to be deferred, additionally I wasn't notified by Navient or by the school that it had been deferred. I told the Navient rep that this wasn't ethical nor did I believe it to be legal. I have filed a complaint with the US Dept of Ed today. I refuse to pay the additional interest that I never agreed to pay nor did I request. I've been on auto pay out of my checking account for years and I have changed nothing in that regard.
Product: Credit card or prepaid card

Hello my amex charge had a zero balance when my card was used and charged illegally. please I need this account removed from a negative status to never late. the credit card company says they would fix the problem but nothing yet. I never had negative credit I'm trying to buy a home with my new wife and a child on the way. I provided my police report
Product: Checking or savings account

On XX/XX/XXXX of 2024 at XXXX. I attempted to make a withdrawal from Capital One Bank ATM ( XXXX ) located at XXXX XXXX XXXX XXXX NY XXXX for {$120.00}. I attempted to withdrawal of {$120.00} from the ATM in which the funds were never disbursed from the ATM. I immediately went inside the bank and reported the issue to Capital One Bank representative XXXX who informed me that they were having that issue all day and they weren't allowed to put the ATM out of service and I would have to report it to my banking institution. I reported it to my banking institution XXXX case number XXXX. XXXX disputed the ATM transaction with Capital One Bank. I was told by my banking XXXX XXXX that Capital One Bank said that the funds were disbursed. I went to Capital One Bank and requested to see the video footage of the transaction and they told me I would have to file a NYPD police report in which I did. I was told by Capital One Bank representatives that my bank needs to request banking office audit and video footage of that ATM. I have still yet to hear from Capital One Bank regarding the additional documents that I provided them for Capital One Bank case number XXXX. The funds were never disbursed to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA ; The list of accounts below, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights. 
XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX Acct # XXXX Has Violated My Rights. 
XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c. ( 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.

15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX and XXXX, 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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I have explained that I have not worked due to having XXXX and I constantly keep getting calls. XXXX has been told numerous times by my employer not to call me at work and she still calls there everyday which is about to cost me my job. She has also called and harassed and threatened me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the payment history and past-due balance with XXXX XXXX XXXX for a Visa card Id opened. After investigating, XXXX XXXX XXXX  agreed to remove the entire account balance, reopen the account and remove all 30/60/90 late pays from my credit reports. 

XXXX XXXX has indeed removed the account balance and reopened the Visa card, but my TransUnion and XXXX accounts still show the late pays. My XXXX report was corrected and now shows the account as paid on time with no late pays. 

The TransUnion and XXXX  accounts have not been corrected despite my disputing the payment history twice with each credit reporting agency. I dont know if thats the fault of the creditor or the two credit bureaus that are refusing to update my payment history.