23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Synchrony Bank holds my Care Credit account, which I use to pay for my pet 's emergency vet services. I opened the account in XXXX of XXXX and was granted a {$4000.00} credit line. I made payments each month on time and paid more than the minimum amount due. I used the card when my pets needed vet care over time. In XXXXXXXX XXXX XXXXXXXX, I had credit available of {$320.00}, in XXXXXXXX XXXX XXXXXXXX, they lowered my line of credit by {$260.00}, leaving me with only {$110.00} worth of credit available. Making me look like I was using almost all of my credit line, impacting my credit score negatively. I made an inquiry and was told that they periodically review my credit score and make decisions based upon this. I continued to make on time payments, in more than the minimum payment amount due. In XXXX of XXXX, I noted that although I made progress in lowering my total balance due, they lowered my line of credit once again, by an additional {$380.00}, leaving me with only {$100.00} worth of credit available. Again making me look like I am using almost all of my credit line, impacting my credit score negatively. I asked them to explain why they were doing this when I paid on time each month and more than the minimum due and again, they said they reviewed my credit score. They were lowering my credit score, reviewing it and then lowering my line of credit, in turn lowering my credit score. They did the same thing with my XXXX account. I opened it and they granted me a credit line of {$1800.00}, I never used more than {$300.00} of the credit line, always paid on time and paid more than the minimum due. They lowered my credit line from {$1800.00} down to {$200.00} while I had {$180.00} in charges to pay off still. This negatively impacted my credit score. When I asked them about it, they said they periodically review the credit and make decisions based upon that. When I paid off most of the {$180.00} on the XXXX account, they lowered the credit line again to {$100.00}, when I had about {$75.00} charged on the account, again impacting my credit score. When I asked them why they lowered it again, they said they reviewed my credit score and based it upon that. Again, adverse behavior on their part impacting my credit score negatively over and over again for no good reason. This adverse behavior should be outlawed. It is completely unfair. I have paid off and closed the XXXX  account and am working to pay down the Care Credit account. Is there anything that can be done about this adverse behavior, unfair to credit consumers? Thank you.
Product: Bank account or service

In XXXX 2015, I was given a code for XXXX bonus american airlines miles if I open a new bank account with Citibank ( Citi Gold checking ). The code was accepted, I adhered to all of the requirements and in several secure messages, I was told that I had acheived the requirements and that the bonus takes time to process. Finally after 6 months, I was told that the offer was targeted and that my bonus wo n't be going through. I have spent a lot in fees based on this promotion. If I do n't get the bonus, I 'd like my fees back.
Product: Credit card

I was sent verified statements in which only show interest payments but at the end it show a XXXX balance and the card was closed down
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not removed 30 day late due to national disaster XXXX XXXX XXXX has stated on credit report due to national disaster XXXX XXXX Transunion XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Product: Credit reporting or other personal consumer reports

XXXX was breach and admitted to my information being stolen back in XXXX. Due to that I had to file bankruptcy and been in hardship. Please remove negative inquiries off my credit
Product: Debt collection

XX/XX/2014 {$370.00} I let them know I was unable to pay them not work at the time now I don't have a stable job been that way for several years now
Product: Checking or savings account

I received an offer in the mail from HSBC to get a {$370.00} bonus if I were to open a new checking account, bring in {$10000.00} of new money and leave it on the account for 90 days at least. 

I opened in XX/XX/2019 a new checking account at HSBC, as a new customer and deposited {$10000.00}. In XXXX, I called HSBC customer service telling them that I wanted to close the account but noticed that the {$370.00} bonus was not deposited. They said that they would open a case but that I could not close the account if I wanted the bonus. I then went to a branch and withdrew my {$10000.00} through a cashier 's check, waiting for the bonus to get credited soon. 

In XXXX, still no {$370.00} and I had received a letter stating that my account was overdrawn and in collections. I called HSBC customer service to understand what was happening. They said I was charged a monthly maintenance fee since I had not met the minimum balance requirements. I told them about the open case for the {$370.00}, which was the only reason why I did not close my account, waiting for the money to be credited to my account. They said they would look into it, make sure I get the {$370.00}, send me a check and close the account. And as a courtesy wave the monthly maintenance fee I was charged! 

In XXXX, I received another letter from HSBC stating that my account was overdrawn and in collections. I called HSBC customer service again and someone said they had to look into the case that was open for my {$370.00}. They called me back that afternoon to outline ( without explanation ) that I did not qualify for the {$370.00} they had promised me and that they had closed the account.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I notified the company with an XXXX police report and filed with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account listed on my XXXX, Equifax and XXXX XXXX credit report, is fraudulent and not my account : XXXX XXXX, a debt of {$5000.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Minnesota. The debt is fraudulent, the result of identity theft and not my debt. The following credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The credit inquiries are fraudulent and unauthorized.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXXXXXX 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 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

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 XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  ( Account # ) XXXX Account Name : XXXX XXXX XXXX XXXX ( Account # ) XXXX Account Name : XXXX XXXX XXXX ( Account # ) XXXX Has violated my rights I looked at my Experian 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 reports relate according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in generally after any investigation under paragraph ( 1 ) of any information disputed
Product: Student loan

XX/XX/XXXX Dear Person, I am writing in regard to Public Service Loan Forgiveness ( PSLF ). In XXXX, my student loans and my former spouses student loans were consolidated into a Joint Spousal Consolidation loan. For what should be obvious reasons that particular loan consolidation program only was offered for a few years. The major problem with those loans is that when you divorce, you are both still jointly liable for the loan which creates numerous problems. You cant separate the loans under any circumstances it appears and you cant convert them into XXXX XXXX XXXX. I have been a XXXX XXXX and a XXXX XXXX  for 16 years, however, I cant even consolidate the loan into a Direct Loan to be able to get PSLF not even under the new waiver program. I have given almost 16 years of my life in public service at very low wages and this is the thanks I get for doing so. I pay {$320.00} a month as my half and on a XXXX salary and now XXXX XXXX salary I barely make ends meet. This is inequitable on so many levels. I have tried over the last 13 years to inquire as to any changes or solutions for my circumstances and always to no avail. Today I spent 2 hours on the phone with both Navient and XXXX XXXX XXXX, only to be told once again that I cant qualify for loan forgiveness. 
I am begging for someone to please do something to help those of us who were foolish enough to sign on to that Joint Spousal Consolidation program. I have never missed a payment, I have worked in public service for almost 16 years, I am XXXX years old, at this rate I will never be able to retire. Any pension I receive, my student loan payment would equal 1/3 of my pension. Someone has got to do something for those of us in these circumstances. I have written before to no avail, I am hoping someone out there cares enough to fix this situation. 

Best regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX, TX XXXX XXXX
Product: Debt collection

My mortgage company ShellPoint has me on forbearance until XXXX When my husband returns to work I have reach out to the several time to have the open balance be added to the end of the loan which is one of four options Now, instead, I recently received correspondence that ShellPoint sold the loan to XXXX XXXX XXXX XXXX. 

Now XXXX sent me a correspondence stating they are a Debt Collector who is attempting to collect a debt Im confused
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
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
Product: Credit card or prepaid card

Someone stole my identity and opened this account i only have one account and thats my debit card i never had any credit cards this account isnt mine
Product: Debt collection

The Credit bureaus stated Lvnv funding {$26000.00} & lvnv {$26000.00} was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and hit me with debt parking I didnt receive a letter or call claiming this debt was mines they just reported this to the credit bureaus.This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.And now Im exercising my rights to opt out as my consumer right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently just checked on my credit score on XXXX XXXX and my credit score was affected by a hard inquiry that someone has recently made on my credit score stating on my credit report that someone has opened a PayPal credit account without my permission. Which showed as a hard inquiry on my credit report and made a low impact on my credit score however this still affected my credit score even if it is a low impact. This happened because someone opened a credit account under my name without my permission, knowledge, and consent. I do not know who had opened a credit account using my name.
Product: Credit reporting or other personal consumer reports

In accordance with Section 392.101 of the Finance Code, a third party debt collector or credit bureau may not engage in debt collection unless the entity has filed a {$10000.00} surety bond with the state. The bond must be issued by a surety company authorized to do business in Texas. 

XXXX XXXX XXXX, XXXX is not licensed to collect debt in the state of Texas.
Product: Debt collection

XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious IDEAL COLLECTION SER XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX
Product: Debt collection

I am being charged for a bill collected from XXXX  XXXX that was paid off. HP Sears XXXX claims that i never paid off the bill, which I did. My current balance is of {$590.00}. I live off Social Security not making more than {$1000.00}. XXXX  XXXX store attempted to take advantage of people by giving them high prices and interest rates. I called HP sears to provide me with a receipt or statement that shows what i owe. They stated that they send it to XXXX XXXX. Why should i pay off something i never used? Account number is XXXX. Amount supposedly owe is {$590.00}. 

Phone number XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX # XXXX JeffCapSystems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is a formal Complaint under FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ), 15 USC Sec.

1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. Sec 1681s-2, that the Credit Reporting Agency could be reporting Unauthorized and Fraudulent Credit Inquiries by these Original Creditors on my credit report and is a violation of the Fair Credit Reporting Act Section 604 ( a ) ,604 ( b ), 604 ( c ), 609, and 623 ( a ) ( 6 ) ( 8 ) and Fair Credit Billing Act, and Title 15 U.S.C. section 1681b ( a ), 1681b ( b ), 1681b ( c ), All data on My Credit Report must be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY, or By Law can not be on My Credit Report. PERIOD, per Sec 623 ( b ) ( 1 ) ( E ).

I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor 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.

Inquiries are not a matter of record when I never gave these companies access to My credit file!!

According to Section 604 of 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 furnish a consumer report under the following circumstances and no other.

( F ) otherwise has a legitimate business need for the information i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting shall- ( i ) promptly delete.

The following inquiries are unauthorized.
Product: Mortgage

CFPB : My mortgage is serviced by AmeriHome Mortgage Company LLC. My taxes and insurance are paid by AmeriHome through an escrow account. AmeriHome has not paid my City of XXXX ( Kentucky ) taxes, which were due on XX/XX/XXXX. I have called numerous times and each time they tell me that they will pay it. To date, it has still not been paid. I have checked with the City on this and they have not recieved anything from Amerihome. My last phone conversation with AmeriHome was today and it made me me realize that they have not been proactive on this issue at all. The last payment they attempted to the City was rejected. To my knowledge, they did nothing to investigate why the check was not accepted and never contacted me to let me know. Had I not received ( yet another ) delinquent tax notice from the City, I might have let this go on even longer without realizing my taxes have not been paid. It is incredibly frustrating to rely on such an incompetent company to pay my taxes. I spent an hour on the phone this morning with them, which is an hour I have to take away from my own workday. Additionally, they are transferring my mortgage to a new company, XXXX XXXX, and I got the feeling that they do not care about my tax issue since I will no longer be their account come XX/XX/XXXX. Lastly, I did tell them that I'm filing this Complaint.
Product: Credit card

Capital One unethically procured my credentials from credit bureaus and kept performing " prescreening '' or credit check on my account WITHOUT my consent. I kept getting promotional offers almost twice a month for about 8-10 months. The communication was never clear about the clandestine prescreening checks being made frequently. This could severely affect my credit history and limit my access to financial resources in my hour of need. I wish that CFPB takes stern action against Capital One and I demand an apology from the credit card company. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 10 XXXX XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX XXXX, 11 XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   Company Inquiries : 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 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
Product: Credit reporting, credit repair services, 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 name : XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX account # XXXX, Account name : XXXX XXXX account number : XXXX, Account name : XXXX XXXXXXXX account number : XXXX, account name : XXXX XXXX XXXX account number : XXXX, account name : XXXX XXXX account number : XXXX, account name : XXXX XXXX XXXX account XXXX, account name : XXXX XXXX XXXX XXXX XXXX account number : XXXX, account name : XXXX XXXX XXXX XXXX account XXXX, account name : XXXX XXXX XXXX  account number : 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 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

I have requested a letter of Validation. They have sent a letter back, however within that letter was a balance that did not match my credit report. I have been disputing with the credit bureaus for years, and they have not resolved these inaccuracies. That is a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I do not recognize this address- please remove thank you!