23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for a Southwest credit card on the Southwest website because they were having a promotional offer of a {$200.00} statement credit. My application was instantly accepted and I purchased my airline ticket. My airline ticket was {$180.00}. I purchased my ticket using my new Southwest acct and the balance after purchasing the ticket was - {$12.00} When I received my statement there was the full charge of {$180.00} I contacted Chase and spoke to a customer service representative. She said that the promotional offer I received was XXXX air miles after I spend {$4000.00} & a companion fare ticket after I spend {$4000.00}. When I explained to her that was not the promotional offer that was offered when I applied for the card and purchased my ticket, she said all that she could do was submit it to their Marketing Dept. I also told her that I don't have a companion so it makes no sense that I would've applied for the card to get a free companion fare ticket! 
I received a letter in the mail today ( XX/XX/19 ) saying that unfortunately my account isn't available to receive the {$200.00} statement credit and XXXX bonus point offer. 
I called the customer service line again and spoke to an agent and asked why my account was not eligible. She said that she did not know and that there was nothing she could do, so I asked to be transferred to a supervisor. After being on hold for 15 minutes a supervisor came on the line. I went through my story with her and asked her why my account was not eligible for the promotion that I signed up for. She said that there was nothing she could do for me and proceeded to tell me that the promotion I received was the companion fare after spending {$4000.00} and the XXXX bonus miles after spending {$4000.00}. I told her the same thing that I had told the previous representative, I don't have a companion so why would I apply for a card that offers a free companion fare and that it makes no sense that I would've applied for the card to get a free companion fare ticket!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX Account number : XXXX, XXXX Account Nunber : XXXX, XXXX XXXX XXXX Account Number : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and equiofax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifa are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor.My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$6400.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit report dated XX/XX/XXXX in which it shows the American Honda Finance account as " settlement accepted on this account-paid charge off - legally paid in full for less than the full balance ''. The comments are listed on the American Honda Finance account with all 3 bureaus on the credit report from XX/XX/XXXX. I looked at a more recent credit report dated XX/XX/XXXX and the same account American Honda Finance is listed with XXXX with a past due balance of {$5600.00} and the comment states " profit and loss writeoff - charge off as bad debt ''. Please note I settled this account and legally paid in full less than the full balance. There should be a {$0.00} balance and the comment should reflect " legally paid in full for less than the full balance '' like it used to last year in XXXX. This is an error and I have disputed it with American Honda Finance and XXXX but it has not been corrected. My credit suffered tremendously when they put a debt back on my credit report that is not correct, it increased my debt to income.
Product: Credit card or prepaid card

I HAVE NEVER BEEN 30 DAYS LATE, ON A PAYMENT, AS INDIGO ( CREDIT CARD ) IS REPORTING. I HAVE REVIEWED MY PAST PAYMENTS, AND NONE WERE 30 DAYS LATE. FOR INSTANCE, INDIGO IS STATING THAT MY XX/XX/XXXX PAYMENT WAS 30 DAYS LATE ; I MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$60.00}. I ALSO MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$110.00}. MY XXXX PAYMENT WAS DUE ON XX/XX/XXXX. THE XX/XX/XXXX PAYMENT PAID THE PAYMENT DUE ON XX/XX/XXXX. 

THERE IS, ALSO, A LATE PAYMENT, FROM LAST YEAR ( XXXX ), INDIGO IS STATING ; THE PAYMENT WAS NEVER 30 DAYS LATE. WHEN REVIEWING THE PAYMENTS, WHICH I MADE, NONE WOULD HAVE RESULTED IN A 30 DAYS LATE PAYMENT.
Product: Credit reporting or other personal consumer reports

I request an investigation into the inaccuracies by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 Section 602, which ensures that consumer credit information is handled fairly and accurately. Under 15 USC 1681 Section 604 ( 2 ), I am entitled to dispute any misleading or incorrect information on my report, and credit reporting agencies must conduct a timely and thorough investigation. Furthermore, as outlined in 15 USC 6802 ( b ) ( c ), financial institutions must take proper measures to ensure the privacy of my financial data and to rectify any errors that may arise from mishandling or unauthorized disclosures. I also reference 15 USC 1681c ( a ) ( 5 ), which mandates that negative information, such as late payments, be removed from my report after a specified period, provided it is outdated. Under 15 USC 1681s-2 ( a ) ( 1 ), furnishers of information are required to report accurate information, and failure to do so could result in legal penalties. To ensure I comply with these standards, 15 USC 1681e obligates credit reporting agencies to maintain reasonable procedures to verify and correct the data. Furthermore, per 12 CFR 1016.7, I have the right to dispute any inaccuracies with the credit reporting agency, and they must respond to my dispute within a reasonable timeframe. I request the immediate correction of my credit report in full accordance with these codes to restore my creditworthiness.
Product: Credit reporting or other personal consumer reports

These XXXX hard inquiries on my credit report are unauthorized when I called Equifax I was told that theres nothing they can do and to call the merchant so I did to only get no were they are.. 

XXXX XXXX XXXX XXXX date XX/XX/year>XXXX XXXX date XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a HELOC with XXXX ( XXXX ). The balance of that HELOC is XXXX ( i.e., XXXX XXXX ) and it has been at that balance for several weeks. My prior history is perfect, with no late payments, and I had a personal credit score of 800+. 

Recently, I received an update on my credit report showing that my XXXX XXXX was 'delinquent. ' This affected my credit score severely, dropping it by over 60 points. 

I contacted the company about this error, notifying them of the XXXX balance and lack of any delinquency. While they admitted the content of the error, they have thus far refused to reverse the delinquency filing. Furthermore, they have refused to address this issue in a reasonable amount of time and without unreasonable requests from my side. 

Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, XXXX is now knowingly in violation of the FCRA and is not taking steps to correct that violation. 

I have attempted multiple times to have XXXX reverse the erroneous delinquency filing and they have refused to do so on each occasion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion, XXXX and XXXX over the past 3 years via online to remove outdated information on my profile to no avail. Some of these items are over 10-12 years old and should have been removed at year 7. Most of the items have reached the statute barred limitations as well for my state. Additionally, there are some entries on my credit that do not belong to me and should be a case of identity theft and removed as well. 

I am hoping you can assist with this issue with the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Request and investigation to fix the fraudulent inaccurate accounts and information that's reporting on my credit report immediately with supporting documents.
Product: Mortgage

I applied for a home loan through Wells Fargo on XXXX and given a pre-approval based on my credit report and income to begin my home search. I found a house, put in a contract and began uploading documents through their portal as requested immediately. Many occassions the portal would say I needed to submit documents that I had already submitted yet I kept re-submitting. I was told there was glitch in the system. RARELY did I speak to anyone and when I needed to it was like pulling teeth to get a response. I paid {$610.00} for an appraisal on XXXX. The day I was supposed to get my disclosures WF started giving me more run around that my account was still with underwriting and that closing might be delayed. TWO DAYS before closing on XX/XX/21 I was sent an email stating WF would not be able to give me a loan due to " multiple late payments that required manual underwriting '' and they didn't provide that service. Knowing that was not the case I reached out to another lender - he told me WF totally dropped the ball and due to the type of loan I was trying to obtain, just needed to change the terms of my loan and add more money down. This was NEVER communicated to me let alone very poor communication throughout the entire 2 month process to begin with. I requested an appraisal release letter on XX/XX/21 to be sent to me by COB XX/XX/21. I still have yet to receive the appraisal release allowing my new lender to use the appraisal that I paid for. My new lender has emailed them stating this was urgent as well. I have been given the run around for 4 days now that " it has been escalated '' or it has been sent up the chain of command '' yet no one will actual take care of this very small and very little time consuming issues. I am more than frustrated with the lack of communication that WF gave to me, the client - a client who has automobiles, bank acct and other homes financed through them. I thought this would be a very easy process, but boy was I wrong. I am more than disappointed and frustrated. They have wasted my time and have cost me several thousands of dollars with flights, hotels, car rentals as well as the appraisal fee for a closing that never happened because they didn't want to communicate necessary changes to my loan terms.
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 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 XXXX 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
Product: Mortgage

We have a File that is an REO purchase, we are having issues with the sellers closing agent, this is adding cost that is the REO lenders responsibility to pay. The company is refusing to communicate with their client and is holding us hostage and we are trying to close this transaction. The Seller is NationStar/XXXX, the person we are working with for Natonstar is XXXX XXXX XXXX, Law Offices of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, FL XXXX Phone ( XXXX ) XXXX Facsimile ( XXXX
Product: Consumer Loan

Fifth third will not work with me on catching up an auto loan payment that was in default due to me being out of work. They would not supply me with any information regarding an outstanding balance. Furthermore, they told me to surrender the vehicle or pay XXXX to keep it. I be level the bad press they are receiving regarding the discriminatory practices with borrower percentage rates, is why they chose to treat me this way. As an XXXX borrower, I believe it 's easier to rid the loan before paying out if es for their deceptive practices. I am fully willing to pay the default payments, but I was told I ca n't and I should rid myself of the vehicle, or face them embarrassing me with friends and family. I was told this per a call to the bank and being transferred to collections on Friday, XXXX XXXX, 2016. I should not be threatened or intimidated for trying to do the right thing. These practices should not be allowed in addition to a discriminatory practice of auto markup. It 's ridiculous that they pay restitution, but find other ways to be discriminatory. Threatening embarassment and refusing to provide information, as potentially required by reposession laws, is not only disgusting, but surely illegal.
Product: Mortgage

I received a credit alert that my mortgage company increase my loan amount to {$470000.00} pervious reported {$470000.00}. Now I am not sure why they would increase my mortgage when my current balance is {$460000.00}. My original loan amount was {$470000.00}. This company is doing a lot of fraudulent things and need to be investigated. I have never been 30 days late. This little stunt dropped my credit score.
Product: Debt collection

This number calls at least ten times a day and when I answer the phone I get immediately hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION : LATE PAYMENT In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. ( Which means my information will remain private unless I give XXXX XXXX written instructions to make my information public ). 

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. ( I request this account to not be reported on my credit report ).

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose ( According to the Consumer report there are no such thing as late payments ).

15 USC 1681 ( a ) ( i ) 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

This late payment is affecting my approval of a car and a house needed to support my family and is causing emotional and psychological and financial stress upon me and my family. Account is now closed and is paid in full. Late payments are inaccurate.

Remove the late payment or deleted the account.
Product: Credit reporting or other personal consumer reports

My credit report indicated that my personal information was exposed in the breach. Reference to 15Usc 681 under the FCRA to support. Fair Credit Reporting ACT 15 USC 1681 The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 5 USC 1681. These companies have violated my rights. 
Account name : # XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX AFFIRM Unsecured Loan account # XXXX, XXXXXXXX XXXX XXXX XXXX  account # XXXX I looked at my all three bureau credit report on Date : XXXX XXXX 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 procures 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information found the inaccurate or unverifiable information disputed by a consumer, an item of the information is found to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services XXXX XXXX XXXX XXXX Ca XXXX this past month. I payed them via their web site for this month. Got a bill today for two payments. My bank shows the payment going through. I have tried to contact these people for the last two weeks but just get put on hold for literally hours, without being able to speak to any one.
Product: Bank account or service

Saturday, XXXX XXXX I received an email from at Capital One Bank with the subject " Here 's the code you requested ". I called the number provided in the email. The woman said, " It was sent to all customers for security purposes. You 'll need a code the next time you log on ''. On Monday XXXX XXXX at XXXX I received an email with subject, " XXXX XXXX was added to your account ". Then at XXXX I received an email saying, " Your email was successfully changed ''. At XXXX another email saying, " XXXX XXXX was added to your account ". I called immediately only to be put on hold for a significant amount of time. The woman told me someone had changed the email to XXXXXXXXXXXX, which I did not authorize. She then said she would place a hold on my account. The next day, however, my mother received a call from XXXX in the " Security Dept. '' asking for permission to allow XXXX XXXX to take out a {$5000.00} loan. My mother was a signer on XXXX of the XXXX accounts. XXXX then called me, left me a voice mail asking to call her. I tried twice that day & left a voice mail with my name & phone #. I never received a call back. The next day, XXXX XXXX XXXX, I went to a Capital One branch, closed all accounts & opened XXXX Capital One 360 account. The manager XXXX, said I had to return the next day to transfer the funds. Thursday XXXX XXXX, I returned, he transferred money from all accounts, we called the security dept, spoke to XXXX who said I was all clear to create my online username/password only to find out later that day, I was unable to do so. Over the next 9 days I spent, trying to access my funds. Finally, last Fri XXXX XXXX a total of 9 hours 57 minutes on the phone, mostly on hold, I was able to access my new account. I logged in today & while on the Account Summary page I see XXXXXXXXXXXX with a link to update the email. XXXX, I 've never seen my personal info on the summary page. I 've just spent the last 43 minutes on the phone with " XXXX '' in the Security Dept who said when they opened up the Capital One 360 account they just transferred my personal info ( including XXXXXXXXXXXX ) from the " XXXX '' account. He claims he deleted the hacker 's email & nothing else was changed. Forgive me if I am not convinced.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of identity theft resulting from a data breach. 
Unauthorized accounts have been fraudulently opened in my name. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and permanently deleted from my credit report : Fraudulent 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