23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Dear : TRANSUNION, XXXX AND XXXX I am writing to dispute the following information that appears on my [ XXXX or XXXX or TransUnion ] consumer report : Dispute : " XXXX   XXXX  XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. 
" I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I made a purchase of {$86.00} on my Capital One credit card on XX/XX/XXXX. I received my statement from Capital One for XX/XX/XXXX-XX/XX/XXXX with a XX/XX/XXXX minimum due payment of {$25.00}. On XX/XX/XXXX my wife made a {$40.00} payment ( late ). On XX/XX/XXXX my wife made a {$40.00} payment of which Capital One posted to the wrong account and Capital One charged me a late fee for posting my payment to the wrong account. My wife made a final payment was {$31.00} ( $ 6.59+ {$25.00} late fee ) for a total of {$110.00} and wrote " PAID IN FULL '' on the check. That is {$86.00} plus one late fee of {$25.00}. Capital One cashed the check. On numerous occasions I had told Capital One to contact my wife and talk to her regarding this issue and Capital One refused to do that. I am a truck driver and I can not talk on the phone while I am on the road. My wife has tried to talk to Capital One numerous times from XX/XX/XXXX to  present. Capital One refused to talk with her even with my permission. I filed a complaint on Capital One XX/XX/XXXX with the Better Business Bureau, ID # XXXX but Capital One continues to bill me for {$140.00} in late fees and finance charges. I don't feel as though I owe Capital One anything else. Please help me.
Product: Vehicle loan or lease

I totaled my car in XX/XX/XXXX. I purchased GAP insurance along with the XXXX XXXX. I was informed that the GAP insurance would pay off the note in full. A GAP insurance payment was made in the amount of {$4600.00} in XX/XX/XXXX, which left an outstanding balance of {$500.00}. On XX/XX/XXXX, I was notified of the outstanding balance, this was the first notification I received. I paid the account in full upon receipt of the outstanding statement. I was unaware of the outstanding balance until the statement was received. Respectfully, please remove the thirty day lates reported on this account that have been reported to XXXX, XXXX, and XXXX.
Product: Payday loan, title loan, or personal loan

Pursuant to 15 U.S. Code 1691 - Scope of prohibition- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Keyword : ANY I was discriminated against based on my credit report/reputation. Also Pursuant to 15 U.S. Code 1602 ( p ) - Definitions and rules of construction. The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. The credit card being my social security was used by Paypal ( person ) and I the cardholder received no benefit. Paypal has already confirmed through email that they in fact did deny me my right to credit. Paypal shall pay fines for said violations including 15 U.S. Code 1681n - Civil liability for willful noncompliance. {$1000.00} per violation invoice will be sent by mail via XXXX with a tracking number.
Product: Credit reporting or other personal consumer reports

This account is being reported as a collection on my credit report, yet there is no historical data associated with it. This reporting is inaccurate ; it needs to be removed from my credit report!
Product: Checking or savings account

Cashapp has hadn't account locked since XXXX XXXX @ XXXX Now as of XX/XX/2022 @ XXXX I received an email saying it was unlocked, but My account say as of XX/XX/XXXX @ XXXX the issue was resolved, But yet my account is still locked I have received the email stating it was unlocked but they yet to do so I want my account unlocked to receive my money and then deactivate it. Asap.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As per the law, I am entitled to have the accounts affected by the breach blocked and removed from my credit report.

The affected accounts and inquiries are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXX Inquiry date XX/XX/XXXX, XXXX OF XXXX Inquiry date XX/XX/XXXX, XXXX XXXX NA Inquiry date XX/XX/XXXX, XXXX XXXX NA Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX and XXXX Inquiry date XX/XX/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
Product: Credit reporting or other personal consumer reports

I never signed any paperwork with this company. They don't have my signature on any paperwork with this company. They can't provide it and of they do it has been fraudulently done..
Product: Mortgage

there are XXXX hard hit credit inquirys by bank of america on my credit report. I DID NOT AUTHORIZE THEM.XXXX of the hits were on the same date! XX/XX/XXXX. on my transunion credit report bank of america had hard hits on XX/XX/XXXX ( XXXX ) XX/XX/XXXX and XX/XX/XXXX. I had been contacted by the bank regarding my equity line of credit that had a balloon payment coming due in XX/XX/XXXX. I paid off the loan on XXXX XXXX with funds from my IRA.I had inquired at bank fo america about their rates but I never authorized a hard hit credit report.In fact I was very clear and stated that I did not want a credit report pulled. landsafe credit ( a company that is affiliated with bank of america ) pulled a hard hit credit report on XXXX. there is no reason that XXXX hard hits from the same bank should have been pulled against my report on the same date! the bank was informed that I was going to pay off the loan in novemeber. I contacted them to get the payoff figure. They pulled another hard hit report on the day before i paid the loan off. This is unacceptable. The hard hits have caused my score to be negatively impacted and my insurance rates for my XXXX auto policys and XXXX property policys and XXXX umbrella policy to be higher than they should have been for the past 2 years. XXXX policys at aprox XXXX more per year that I was charged because of the lowered score times 2 years is XXXX that I was financially penalized because of casual policys at the bank to pull peoples credit reports. Once again I wanted to state I was very clear when I contacted the bank that I did not want my credit pulled and I was only contacting them for information ... NOT to make application. They wanted me to modify my loan. After I did my research and was told by the bank that I should stop making my payments on the loan to qualify for the loan remodification I was appalled. over 6 years ago I had XXXX credit card that XXXX missed a XXXX payment due to being ill and the bill getting lost in the shuffle. other than that I have always paid my credit card bills and house loans in full and on time. ( credit card with visa has been paid monthly on time and in full since XXXX ) anyways to be told not to make the house payments to " qualify '' fro a loan was something I was not going to do. From the dates you can see they pulled XXXX credit reports in less than 17 days is unacceptable. pulling a credit report the day before I paid off the loan is unacceptable. I am asking that the XXXX hard hit inquirys be removed immediately. Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

They shut my account down for no reason at all and I tried to add money to my account. I contacted support but no live person. They just sent me a message saying my account was suspended.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right top 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion making them aware that I have incorrect information on my credit report. I sent them many notices via certified mail proving these items on my report are inaccurate and still no response
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX XXXX XXXX account on my credit as it should be marked " included in bankruptcy '' XXXX as well as XXXX XXXX XXXX claim they investigated and that the information reported is accurate. This is blatantly false. I filed Chapter XXXX on XX/XX/XXXX, which shows in my public records section. 

They also added a random address on there that is MORE than SIX years old from XXXX XXXX. I want that removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent TransUnion a certified letter ( XXXX ) which they received on XX/XX/2023. This letter notified them that they are violating the Fair Credit Reporting Act by including information in my report which is inaccurate. This information includes addresses which are not deliverable to me by USPS. As of today 's date, XX/XX/2023 the inaccurate information has not been removed from my credit report, nor has the other personal information been changed as requested. I even submitted a copy of my driver 's license and bank statement.
Product: Checking or savings account

This is week 4 of me dealing with Bank of America. Today XX/XX/2022 Spoke with charge off manager XXXX XXXX who didn't want to give his ID # @ approximately XXXX. He's stating that the balance of XXXX is valid when I have documents mailed from BofA saying only two claims out of the 5 month investigation wasn't approved. That means 13 out of 15 claims were approved per month. Only two claims were denied and that alone doesn't make sense. Not to mention the two claims total to {$98.00} and I was placed into XXXX XXXX with no notification or anything. 

My account all together was compromised. I immediately notified BofA they held my hard earned money hostage for an entire month. I couldn't even get my children diapers. I was NOT negative prior to my account being compromised.
Product: Credit card

The card promised the benefit listed below but after payment of my {$75.00} annual fee I received notice this benefit was ending as of XXXX XXXX, 2015. I called for reimbursement of my annual fee and was told that was not possible. I paid my fee but US bank did not honor their part of the agreement. 

XXXX.Bonus Award Night : When you redeem Gold Points for Award Nights of XXXX or more consecutive nights at the same participating XXXX XXXX hotel property, you will receive the last of the Award Nights of that stay free without deduction of any Gold Points from your XXXX account ( " Bonus Award Night '' ). Your Account must be open and reservation must be in the XXXX XXXX member 's name and use the member number associated with your Account to be eligible for the Bonus Award Night. The Bonus Award Night offer is available only on advance reservations for Award Nights paid in full with Gold Points and is not valid with standard paid reservations or Points + Cash redemption reservations. Only XXXX Bonus Award Night will be available for a stay of XXXX or more consecutive nights at the same hotel XXXX early checkout with XXXX night stay not eligible ), regardless of the total length of stay, the total number of reservations or the number of check-in/check-outs, is subject to availability and all other terms and conditions and cancellation policies regarding Award Nights apply. Does not apply to additional reservations booked as contiguous stays at the same hotel. Only XXXX room per reservation, per hotel for an Award Stay will be eligible to receive the Bonus Award Night offer. Your Account must be open at the time of redemption to qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). Maximum XXXX ( XXXX ) Bonus Award Nights per calendar year per member with an open Account ( " Annual Maximum '' ). If a reservation with a Bonus Award Night is subject to a cancellation penalty, the Bonus Award Night from that reservation will count against the Annual Maximum. A Bonus Award Night has no Gold Point or cash value and cancellations involving a Bonus Award Night will not result in the credit of any additional Gold Points in your XXXX XXXX account.
Product: Checking or savings account

On Monday XXXX XXXX I went into the Frost Bank in XXXX Texas located on XXXX XXXX as instructed by their ( Frost Bank ) online department to get a replacement debit card. Once I explained why I needed a replacement card, the bank vice president of the branch started to Intergrated me as to why I need to have more than one debit card. I complained to the branch manager as to how rudely I was being treated by the vice president of the branch ; two hours later the branch manager called me back and stated she was closing all my accounts with the bank because I made a complaint against Frost bank.
Product: Credit reporting or other personal consumer reports

This is not my account my personal information was breached and I was a victim of ID theft. 

I reached out to XXXXXXXX XXXX and they investigated the situation and informed me that that account was fraudulent and provided me with a letter informing that they were deleting this account from my credit profile. Please see attached document. 


XXXX XXXX XXXX XXXXXXXX
Product: Credit card

XXXX XXXX Bank XXXX Resurgent Capital Services both Breach the arbitration agreement that was originally agreed by XXXX XXXX XXXX XXXX XXXX Bank, both companies sold and shared my inform Without any consent or notice of being sold by XXXX XXXX Bank. Attached is proof of Resurgent admitting that they purchased the account from XXXX XXXX Bank and proof of arbitration that was breach by XXXX XXXX Bank XXXX Now subject to Resurgent Capital Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. This block is not being requested in error ; this block is not being requested on the basis of misrepresentation of fact. I, XXXX XXXX, a Federally Protected Consumer, did not obtain possession of goods, services, or money as a result of this transaction.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXCredit Collection ServicesXXXX XXXX XXXX, MA XXXX-XXXXAccount # XXXX do not except your offer to do business. If you attempt to force me to do business with you under threat of economic harm, then that is attempted extortion. If you attempt to force me to do business with you without any written relationship between us, then that 's fraud. If you continue your course of action, I will consider the situation a crime and act accordingly. Return this account to whoever asked you to invite me to pay whatever it is you are collecting. 

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

This is my 10th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries Late payments Accounts that do not belong to me Improper use of my credit report The car dealership I used is my main target for my complaint for breach of peace and a fraudulent contract on a consumer financed purchase Being denied for credit and wrongful reports on my social security number
Product: Mortgage

This complaint addresses the Mr Cooper letter dated XX/XX/2020, in response to CFPB complaint no. XXXX, and the abusive misconduct of mortgage servicers, Seterus and Mr Cooper, toward homeowners including mismanagement of surplus escrow funds. See uploaded attachments for details.
Product: Checking or savings account

On XX/XX/2022 I deposited a check for XXXX to my checking account. 

Chase bank withdrew the money from the check issuer 's account but has not made the money available to me till date. It has been more than 35 days now. 

I have spend 10+ hours with change representatives to resolve this but they haven't resolved it yet.
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 XXXX Account # XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX Accout # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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: Credit card

Dear Government Department, I trust this message finds you well. I am writing to bring to your attention a discrepancy in the promotional offer I received upon opening a Chase Amazon Prime credit card on XX/XX/. 

At the time of opening my account, there was a promotion in place entitling new users to a {$60.00} gift card. I promptly received the allocated gift card amount as per the initial promotion. However, shortly thereafter, the promotion was revised, and new applicants were offered a {$100.00} gift card. 

I have made attempts to address this matter directly with Amazon, but unfortunately, there seems to be no avenue for escalation regarding promotions associated with their specific credit cards through Chase. 

I kindly request your assistance in facilitating the adjustment of the promotional offer to reflect the current {$100.00} promotion. I believe it is only fair that I receive the {$40.00} difference, as I received a significantly lower benefit compared to those applying for the same exact card under the revised promotion. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple accounts on my report I do not recognize
Product: Credit card

I noticed this account was open and reporting on my credit profile this account doesnt belong to me.
Product: Prepaid card

I received a {$3000.00} XXXX Gift Card from my employer in XXXX. I activated the card about 10 days later successfully by phone. I did not check the balance at that time or attempt to use it. I kept it in my wallet continuously after that. 

I attempted to use the card for the first time XX/XX/ ( {$1500.00} online purchase ), but it was declined. I attempted to check the card balance on the company website but got an error message. I immediately called the company ( Incomm, which handles cards from XXXX ). Incomm said the card was " on hold '' but refused to tell me why. I provided my personal identifying information. They gave me a case # and told me to email proof of purchase, which I did on XXXX XXXX XXXX They could not tell me how long it would be to investigate or release funds. I called a second time because the first person seemed almost like a fraudster, he was so incompetent. The second person I spoke with told me the same information. I did not receive an email confirmation of receipt. 

On XX/XX/XXXX, I called the company again to confirm receipt. They could not tell me if it was received. This time they told me to email also a copy of the front and back of the gift card. They were unable to tell me the nature of the card problem, but this time used the phrase " fraud hold ''. He could not tell me if the card had been used by anyone. I emailed the required information on XX/XX/ but still have not get a confirmation of receipt. 

I don't know what to do to obtain the {$3000.00}. 

The customer service telephone # is handled by people in another country who respond to any question with a robotic and evasive script, so they can not answer meaningfully to any question about what is going on.