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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX IN # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX 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 card

In XX/XX/XXXX Citibank closed my cards while I was traveling abroad. To this day there is still no explanation of the closure. I called as soon as I returned stateside. The bank employee that I spoke to told me he did not know why my account was closed but he would transfer me to rewards. Rewards told me they would credit XXXX points for {$460.00} to my card balance on XX/XX/XXXX. I paid my balance less the {$460.00} on XX/XX/XXXX. Citi did not apply the rewards and are now charging late fees and interest. I have called every month asking if they would fix this error. I spent over XXXX hours on the phone with them today being transferred and explaining over and over the issue. Finally one rewards specialist told me that they in fact had stolen over {$500.00} in rewards from me. I asked them to please apply the rewards to my account so that it would be satisfied and then we could part ways. He refused and collections refused to read the records of the call where he admitted that instead of applying as they said they would they had in fact stolen them. I have paid these accounts in a timely manner and should not have my credit hit because of there errors.
Product: Credit reporting

on XXXX XXXX, XXXX Trans union deleted XXXX off my credit profile on XXXX XXXX, XXXX Trans union deleted XXXX off my credit profile on XXXX XXXX, XXXX Trans union deleted XXXX off my credit profile Getting my annual credit report i noticed these items was placed back on my credit report without my knowledge or nothing was sent to me.
Product: Bank account or service

I 'm certain that Nationstar figured out my account wrong and the payoff - deducted and paid from the Escrow Company to NS - was incorrect in a significant way. If not refunded I 'll file a lawsuit against Nationstar with the State Bar of California. 

With Letter from XX/XX/2016 and XX/XX/2016 " Changes to Your Mortgage Interest Rate and Payments ( see attachments ) I get the information that my monthly payments are now {$2300.00} I paid this amount the entire year 2016 month for month. 
The statement shows clear that this amount contains the payments for PRINCIPLE, INTEREST and ESCROW! Payments were made in time. 

In the " Mortgage Payoff Statement '' from XX/XX/2016 Nationstar charged additional {$9.00} on Interest, XXXX for Escrow advances and {$5.00} for 'paid Expenses ' ( such one are included in the escrow account ). 
As a result the amount of {$22.00} can not be added to the unpaid principal balance and have to be refunded incl. Interests! 

I was calling several times, wrote several letters and an email ( which was delivered! ) but get never a corrected statement. This " Customer Service practices '' is shown in many complaints against NS. I get only a meaningless letter! The mentioned amount of about $ XXXX was paid via Escrow with the sale of my house in XXXX in addition to the Principal Balance. 

Nationstar : If you not refund the full amount I 'm asking you for separated, detailed breakdowns of each item in the payoff statement ( Principle, Interest and Escrow account ), also a detailed statement from all payments Nationstar get monthly for this account : mortgage payments, additional mortgage payments over the last year and the payments from my Trustee to Nationstar. 

A Civil Suit with the State Bar of California ( with the request of a general audit of this NS practices ) will be filed if the case is not solved within 15 days.
Product: Debt collection

PAUL MICHAEL MARKETING posted some random collection on my credit report. I called and they seem to not have any information. We are in the process of selling our home and moving into a new one and I got a 60 point drop out of nowhere. I pay my bills and have perfect credit and these criminals will destroy your live with their manipulative schemes. I will sue for damages if this is not deleted immediately from my credit report. 

I do not have an account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported without my consent.
Product: Credit card

Today I received an emailed letter stating that Syncrony Bank  had closed my Sam 's Club credit account. Two years ago they reduced my available credit to {$100.00} because my credit score had dropped. My credit score has since risen considerably and I pay off any outstanding balance in full every month, This card had a zero balance on it. After calling them, I received the excuse that my credit score had changed. After talking to them, I found that my score was higher than it was last year. There was absolutely no reason to close the account. 
The customer service agent was very rude and told me that my only option was to reapply for a new account, but then told me that it would probably get denied. I told her that It was stupid to tell someone to reapply if they are knowingly going to get denied and then also have an inquiry posted to their credit report, which will impact their score. I was told that they will not reinstate my account
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent money via Western Union on-line. I had never used Western Union before. I needed to send {$15000.00}. I saw that I could only send {$5000.00} at at time so I was going to send {$5000.00} three times. When I tried to send the 2nd {$5000.00} and couldn't, I called Western Union immediately and they told me I could only send {$5000.00} in a 24hour period. And I also found out it didn't go directly to the bank account I sent it to anyway, that it takes a couple of days for it to show up. The person needed the money that day. 

I requested a refund on the spot XX/XX/XXXX. I waited until XX/XX/XXXX and it was not yet in my account. I called and they said the refund wasn't initiated until XX/XX/XXXX. I called XX/XX/XXXX they told me that there was a hold on it because it had to be verified. I asked what that meant and I was not satisfied with the explaination, I don't think she even knew what it meant .She said I should have been called for verification. Of course I wasn't. She said she would escalate it. 

I called XX/XX/XXXX and was told it would be in my bank account XX/XX/XXXX. I checked today XX/XX/XXXX and it isn't there. I told the " supervisor '' I was transfered to that I wanted my money in my acoount today and he said he couldn't do that. He said he would " escalate '' it and I told him they already did that on XX/XX/XXXX. He said he would send an email to the department that handled that. I asked to talk to that department. He said he couldn't transfer me there. I asked him what department it was and he said the " card and accounts '' department. I asked him to transfer me to headquarters and he said he couldn't. There is no number for them. 

At this point " someone '' is collecting interest on my {$5000.00}. Because I sent it and couldn't cancel the transaction, I had to borrow {$5000.00} to replace the {$5000.00} I sent and couldn't get back right away. 

Western Union has been lying to me or at the very least putting me off. Since no knows anything over there, I'm afraid I won't ever get it back. 

The original tracking number ( MTCN ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently discovered that my social security number has been compromised, and I am taking immediate action to resolve the issue and prevent any fraudulent accounts from being created in my name. I have placed a notice on my credit report, instructing not to open any accounts without first contacting my personal number to verify my identity. I did not authorize them to perform hard inquiries on my credit report. REGIONAL ACCEPTANCE XX/XX/2024 XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX XXXX  is reported as a hard inquiries on my credit report. I didn't authorized this matter. I want it deleted from my credit report.
Product: Checking or savings account

I have a business checking account with Chase bank. Someone unknown theft had my ID and went to Chase bank deposited multiple transactions frozen checks and withdrew {$740.00} multiple times from my business account and also my personal account amount of {$640.00} without my permissions and forged my signatures every transaction. I requested to close the old account and open the new ones. I opened XXXX new accounts and every compromised new accounts, the fraud can access into my new accounts and withdrew money. I disputed to the bank many times, but the bank refund some transactions, except the first transaction from my business account and my personal account. So far, the bank did not want to refund the first fraud transactions. The bank negligent and intentionally did not want to investigate the fraud of my transactions.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report today and discovered a hard inquiry from several companies. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Also, my information was part of a data breach with several companies XXXX XXXX XXXX Equifax, XXXX XXXX ). 
It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. 
I anticipate your response. 


Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$23.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX & XXXX XXXX XXXX XXXX : {$310.00} XXXX XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
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. XXXX XXXX XXXX XXXXXXXX ( Original creditor : : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX 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 report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently discovered a vehicle loan on my credit report that I did not open or authorize as a primary borrower. I have repeatedly contacted the lender to dispute this account, explaining that I am not responsible for the loan, but my concerns have been ignored. I never had possession of this vehicle, never agreed to be financially liable for it, and was unaware of missed payments until it negatively impacted my credit. Despite my efforts to resolve this issue, the account remains on my report, causing ongoing financial hardship. 

I am formally requesting an investigation and the removal of this account from my credit report, as it is not a debt I agreed to take on or have any control over. Please review my case and provide a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

I've found multiple inaccuracies in my credit report, showing late payments that don't align with my usual payment habits. Please make the necessary corrections and update my account.
Product: Credit card

I have a card with Synchrony PayPal World. My limit was {$1200.00}. I have never missed a payment, been late with a payment, or been over limit. I have paid the card off numerous times. In XXXX they lowered my credit line to {$890.00}, and also for some reason did a hard credit check which lowered my score. Last night, they lowered it again to {$580.00}, and did another hard credit check, which lowered my score again. Now I can not use the card for an upcoming vacation I had planned for my dad, nor if he goes back into the XXXX out of state I can't get a hotel room because they made sure to lower the credit line leaving me with an available {$19.00}. Which knocks my score down some more because of credit usage percentage. The reason? I own my home. I don't have any plans or mortgages on it. So they decreased my credit line.
Product: Credit reporting or other personal consumer reports

This is to express my profound frustration about the unresolved inaccuracies on my credit report, specifically concerning the late closed and charge off accounts. This marks my many several attempt to address these issues, which continue to negatively impact my financial health and trust in your organization. Since I have diligently provided all necessary documentation and adhered to your company 's procedures to dispute these inaccuracies. Despite many assurances that the matter would be resolved, the accounts remain incorrectly listed, and the accounts have not been removed. The persistent presence of these inaccuracies on my credit report is unacceptable. It misrepresents my financial history, hinders my access to credit opportunities, and causes ongoing stress and inconvenience. I am requesting immediate and decisive action to resolve this matter once and for all. I have no choice but to escalate the matter further, including seeking assistance from regulatory authorities and other relevant bodies to ensure compliance and protection of my consumer rights. Please help me remove the late closed and charge off accounts immediately : DEPTEDXXXX XXXX Balance Owed : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

DEPTEDXXXX XXXX Balance Owed : {$0.00} Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

DEPTEDXXXX XXXX Balance Owed : {$0.00} I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

DEPTEDXXXX XXXX Balance Owed : {$0.00} I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

DEPTEDXXXX  XXXX Balance Owed : {$0.00} Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX XXXX Balance Owed : {$0.00} Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please fix it immediately. 

XXXX XXXX XXXXBalance Owed : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance Owed : {$200.00} This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.
Product: Credit card

I am writing to raise a formal complaint against Chase bank for failing to deliver on a credit card promotional sign up bonus. I have attempted to contact Chase on multiple occasions and raised tickets with them ( XXXX and XXXX ) but was denied in both cases. I am requesting assistance with receiving the XXXX points that Chase owes me for their Southwest Rapid Rewards Plus Credit Card promotional offer of XXXX points. My account was opened on XX/XX/XXXX and I first attempted to reach out to Chase on XX/XX/XXXX to check on my progress towards the spending goal as I had not received the XXXX points by then. 

When I signed up for my Southwest Airlines Chase VisXXXX Credit card I did so with the idea I would be receiving XXXX points after exceeding a spending threshold shortly after opening the account. The promotional offer can still be viewed on the Chase website at multiple locations such as https :XX/XX/XXXX and https : XXXX? XXXX. Both locations indicate a sign up bonus of XXXX points after spending XXXX on purchases in the first 3 months of opening the account. After reaching the spending limit I only received XXXX points. Noting this as an issue I contacted Chase cardholder services and requested the remaining XXXX points I signed up for. Each rep that I spoke to said that they did not see the promotion in their system and would have to escalate my request to the marketing team. After waiting for several weeks, I received letters from the marketing team at Chase stating the promotion I am referring to isnt valid and that I would not be receiving the points I earned by signing up and reaching the spending threshold. 

I have wasted multiple hours on the phone with support attempting to resolve this issue as well as drafting letters to the Chase executive office for further review. I am at a loss and unsure what to do at this point. Is there anything you can do to assist?
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the accounts below have violated my rights. 

Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I learned that my personal information was compromised in a data breach involving Experian/Transunion/Equifax credit reporting agency ] . 
Following this incident, I reviewed my credit report and discovered several inaccuracies that I believe are linked to the breach. 
**Inaccurate Information** : The following items on my credit report are incorrect : 1. [ XXXX XXXX in the amount of {$1800.00} account number listed is XXXX this is not my account and I would like this deleted immediately. 

2. XXXX credit card is not my account Amount of {$2000.00} **FCRA Rights Violated** : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I have already initiated disputes with the credit reporting agencies, but I am seeking your assistance to ensure these inaccuracies are addressed promptly and appropriately. 
**Request for Action** : I request that the CFPB investigate this matter and assist in the removal of the incorrect items from my credit report. Additionally, I would appreciate guidance on any further steps I can take to protect myself from identity theft and ensure my credit report is Accurate.