23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX 2015 I successfully applied for a XXXX Southwest Airlines Rapid Rewards credit card through Chase bank. I applied on-line through the Southwest Airlines website by clicking on a banner advertisement. The banner clearly stated that if I successfully applied for a XXXX Southwest Airlines Rapid Rewards credit card that I would be eligible for XXXX bonus points if I spent {$1000.00} in the first XXXX billing cycles. I read and re-read the credit card contract and offer multiple times and decided to apply. My application was instantly processed and approved. I received the credit card shortly and proceeded to use the card to meet the {$1000.00} spend requirements. Within the first billing cycle I achieved the spending requirements and awaited the addition of the XXXX bonus point to be added to my Southwest Rapid Rewards account. I was aware that there was a delay of XXXX to XXXX weeks to process the bonus. So, when my bonus miles did not get credited to my account after the first billing cycle I was not concerned. On XXXX/XXXX/15 a {$100.00} statement credit was applied to my Chase Visa card. This seemed faintly familiar since I believe it was also part of the XXXX Rapid Rewards credit card promotion. On XXXX/XXXX/15 my Rapid Rewards credit card was credited with XXXX points. In XXXX I had not seen the XXXX rapid rewards points credited to my account. I had operated under the impression that since the original offer was for XXXX points was for {$1000.00} spent in the first XXXX billing cycles. XXXX should have been the end of the first XXXX billing cycles and I had still not seen the credit. On XXXX XXXX I called Southwest Airlines at XXXX and spoke with a customer serviceperson. She explained that my points should be coming as soon as the next bill/cycle posted. On XXXX XXXX I used the automated website email and submitted the same question to them. Later that afternoon I received an email once again stating that reason for the delay was due to the XXXX to XXXX week processing time. On XXXX XXXX I called Southwest again and spoke to a customer service person and they said they will inquire directly with Chase Bank about the issue. On XXXX XXXX I got an email from Southwest stating that Chase Bank had denied that I signed up for the XXXX bonus points offer but that I had actually signed up for a different offer of XXXX bonus points and {$100.00} off your first credit card bill. I called Chase Bank directly at XXXX and stated to that this was incorrect and that I had clearly clicked on the banner for the XXXX bonus points offer. Chase denied that this was the case. Chase claims that I applied under the XXXX points / {$100.00} off XXXX statement offer. I asked to speak to a supervisor or a manager and they refused to put my call through but gave me a fax number. They stated that my claim would be denied even if I faxed a letter in.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquiry on XX/XX/2023, i did NOT apply for a credit card. reported as fraud
Product: Checking or savings account

I dont remeber dates but someone had a way to get into my checking and deposit fake checks at atm while i had my debit card in my possession wells fargo took all my money in my account and shut my account after i filed a report they said i was a liability which is ridiculous XXXX has been closed for 4 years and still teying to gwt my money bCk
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these account were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account l am asking you to verify as accurate : XXXX  XXXX Account Num : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I aske d BMW to  verify the account and they still have not even afte r    XXXX certified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car for 2 weeks after purchase as I was a s upposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX ,  XXXX  and  XXXX  for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well
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  : # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX : XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX Account name : XXXX XXXX Account Name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

why this situation is happend with my account. i try to withdraw my money but the system is not allow me to do that. since XX/XX/XXXX until XX/XX/XXXX my account has been limited for same reason XXXX times XXXXXXXX XXXX XXXX XXXX XXXX XXXX THIS SITUATION IS NOT GOOD AND THE ONLY THINK I TRY IS WITHDRAW MY MONEY TO MY BANK ACCOUNT. IF YOUR SYSTEM MAKE ANY MISTAKE ABOUT THIS SITUATION PLEASE FIX IT. I attach A DOCUMENT PAYPAL SAID MY FUNDS WILL BE AVALIABLE BY XX/XX/XXXX BUT NOBODY HELP ME WITH THAT. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I reviewed a copy of my credit report and identified several inaccuracies. These discrepancies are negatively impacting my ability to obtain credit. I understand that credit bureaus are responsible for investigating accounts to ensure their accuracy. I kindly request that you verify the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the inaccurate and outdated information that LexisNexis continues to report on my consumer credit report, despite my repeated attempts to rectify the situation. I initially contacted LexisNexis through written correspondence on XX/XX/XXXX and XX/XX/XXXX, requesting corrections to be made to my credit report. Unfortunately, the issues persist, and I am deeply concerned about the impact this has on my creditworthiness. 

The inaccuracies in my LexisNexis report are twofold. Firstly, the report contains outdated addresses and phone numbers, some of which date back over XXXX years, or are entirely unrelated to me. I have not resided at these locations or used these phone numbers for an extended period, and it is imperative that this outdated information be removed from my report promptly. 

Secondly, my name, which I have previously requested to be corrected, still appears incorrectly. I have submitted copies of my state ID and social security documents that clearly display my correct name and address. Despite providing this evidence, my name remains inaccurate on my LexisNexis credit report, which further jeopardizes my ability to access credit and financial services. 

I understand the importance of accurate credit reporting, and I expect that LexisNexis, as a consumer reporting agency, will adhere to the regulations and guidelines set forth by the Fair Credit Reporting Act ( FCRA ). It is vital for my financial well-being that my credit report reflects only accurate and up-to-date information. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that LexisNexis promptly corrects the inaccuracies in my credit report, specifically : Removal of outdated addresses and phone numbers. 
Correction of my name to match the information provided in my state ID and social security documents. 
I would appreciate your prompt attention to this issue, as it directly affects my ability to access essential financial services. Please inform me of any steps taken or any additional information needed to resolve this matter as soon as possible. 

Thank you for your assistance in addressing this concern. I eagerly await your response and resolution to this matter. 

Sincerely, [ Your Name ].
Product: Credit reporting or other personal consumer reports

Some company called XXXX XXXX XXXX who sold something to this collection people that has been harassing me trying to collect a debt. I asked for help and then they sold my stuff now it's new stuff on my credit reporting from people I didn't do business with or never heard of. 

Double accounts, name changes, different dates and balances are all coming from one account but reporting different on reporting agencies that's not cool XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX  15USC1692 I request to have these accounts took off my credit and remove all data in your systems.
Product: Mortgage

Good Evening Let me start thank you for being a resource. I will be brief I started off mailing OCWEN mortgage payments via postal service beginning of month but come end of the month they weren't being posted on time which was causing late fees and also being reported late to Credit Bureau. Which caused concern since this method of payment didn't work I suggested setting up Auto payment with them figuring this would solve issue to no avail now I still having issues One minute I'm current the next they're not requesting payment from bank on time but telling me I'm current submitting bogus reporting to Credit Bureaus. 
Please Help XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I submitted CFPB complaint ID : XXXX This is about repeated issues with Transunion adding incorrect information and derogatory accounts to my credit report. This has happened 4 times in the past 12 years.

After this complaint, Transunion fixed part of the problem - they removed the derogatory account from my report that was not mine, but they did not fix the underlying issue : They have the wrong SSN, Birth date, and several incorrect addresses in my account.

Although I called this out, they did not correct these errors. With the wrong identifying information they will continue to add incorrect accounts to my credit report. This is unacceptable. Its also very confusing why they can not see this problem. When I call transunion they identify me by asking for my social, they must know my correct social to complete this identification.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently received my credit report and upon viewing, noticed some fraudulent activity on my report. I've filed an idenity theft report ( reference XXXX ) in regards to these unauthorized accounts. I've disputed these accounts with transunion, XXXX and XXXX, which they said its been verified. I don't know what else to do but file a complaint, because these inquiries are unauthorized. The following accounts must be removed immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Futhermore my information was used and I recieved no benefit, these must be deleted immediately. Idenity theft report number again is XXXX is harming my character and i will seek counsel for suit if not removed and updated and sent a copy of credit report showing the updates of deletions.
Product: Credit reporting or other personal consumer reports

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 3 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. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXXXXXX  Balance : {$230.00}
Product: Payday loan, title loan, personal loan, or advance loan

I first noticed a strange company taking withdrawls from my bank account, a company I had never heard of before. I immediately contacted my bank and stopped all payments to this company. I have written letters to this company, Servicing Systems Technologies INC, and asked for validation of this debt and a contract and they have not provided me with this information. I have never signed any sort of contract with this company nor have I ever done business with them. They continue to send me letters in the mail to pay this debt and send emails to me with very little information, only stating I need to make a payment. The link to view 'my account ' isn't even to this companies website and requires I use my social security number to log in. Everything about this company seems fraudulent. There are now 4 items on my credit report from this company. My credit report says I have 2 closed accounts with them and 2 opened accounts. One of the accounts reflects late payment and the other does not.

My desire is for this company to immediately delete these allegations from my credit report and cease all communication with me.
Product: Debt collection

Torres Credit Services placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Torres Credit Service to remove incorrect information off my credit report. More importantly, Torres Credit Services are in violation of FACTA section 623 ( A ) ( 7 ).
Product: Debt collection

I have been contacted repeatedly by a collections agency trying to reach my ex-husband. I have told these people, politely and truthfully, that I am no longer married to my ex-husband and have not been for over twenty years, that he does not and never has resided at my current address, that he has never had my current phone number, and that I do not know his current address. I have asked them to stop calling. I keep getting calls, each time with a different XXXX or XXXX return number. I would like for them to stop. In the last call, the collector identified the XXXX. The numbers they have used are XXXX,XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Transunion block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. I also noticed these fraudulent auto loans and finances accounts from XXXX XXXX opened on XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  opened on XX/XX/XXXX and XXXX XXXX opened on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I cant reach the company. I have called 3 times so far. Each with over an hour wait. First time I was hung up on after giving the request. Second time noone answered and I had to go back to work after XXXX hour. Third time they claimed they could not hear me and hung up. 

I have also tried to find information on the website but this information is not available. I just need to review the interest accrual and forbearance/deferment periods. I owe over {$280000.00} according to Nelnet and I have no way to verify the number is correct. 

Every day is a significant amount of money and I can't get a hold of someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not to complaint, but to inform XXXX XXXX XXXX, that my credit score as shown on my XXXX XXXX XXXX XXXX XXXX  Statement, a FICO Score 4 based in Trans Union data from XX/XX/2022, is incorrect. Just days after, on XX/XX/2022, Trans Union sent an official letter showing the results of their investigation, which is included here, along with the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, in which Trans Union, clearly changed this negative credit report damaging my credit, to a Paid as Agreed and Current Payment Status for my loan account with XXXX XXXX XXXX XXXX XXXX. or XXXX. : As the included as of today Docket Sheet document shows, I sued XXXX. for Fair Credit Reporting Act Violations, Fair Debt Collection Act Violations and Sex Discrimination. the same Lawsuit was not available for public view at the XXXX XXXX for XXXX XXXX XXXX but I am including my copy, marked as Received by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX. No matter XXXX response is due next XX/XX/2022, the fact is the reporting credit bureau already changed the negative account to a positive account since XX/XX/2022, and it was reflected next day, XX/XX/2022. The FICO 4 Score shown at XXXX XXXX should be updated to reflect this change, because there is no recent delinquency like it shows on XX/XX/2022 at all, please see included Documents already at the United States District. Court for the District of XXXX XXXX as shown in the Docket Sheet of Today, XX/XX/2022. Final judgment from the Judge is probably just a matter of days. Thanks for reading and better if you update my credit report at your files due to this unfair action by XXXX that already Trans Union took care of.
Product: Credit card

In XXXX, 2015, I began corresponding with Discover card services, through their online messaging center, about rebates I did not get for products purchased through their site forwarded to XXXX to get the rebate promised by Discover. I followed all of their protocols and there is NO way for a consumer to know if the rebates were paid for any specific item. There was a list of at least XXXX items I did not receive a rebate for. After my thoroughly documenting all the purchases, dates, numbers etc., they are still contesting many of them, and others they said 'were paid ' but I have no way of knowing what item it was. I feel they are not paying on the rebates legitimately earned.