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

I received a US Bank credit card flyer to apply for a credit card inthe month of XX/XX/2023, I applied for that and it was rejected, it was a credit card offer for zero percent interest for 15 months. Ihave attached the rejection letter in this complaint. now I havereceived another US Bank credit card flyer to apply for a creditcard which is giving the {$500.00} cashback if we spend {$4500.00} in150 days. I also made a complaint regarding this to the CFPB, Ihave n't received a response yet. I need to know if I will beapproved for the credit card this time, because I don't want mycredit scroee to go low why did you send me a flyer of credit card when your intention was not to approve it, you are just taking my information and selling it to your affiliates. And why after rejecting my first credit card you sent to me a second flyer to apply? 

US Bank is very lousy, I already spoke with XXXX regarding this two days ago and still no action has been taken, I am really dissapointed with US Bank services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continued to report an Charged off account from XXXX willfully and are in noncompliance of the FCRA SECTION 623 ( a ) FOR FURNISHER TO report complete accurate information. I am requesting immediate deletion of the XXXX negative account for repeated violations under federal codes. STOP USING E-OSCAR, I am requesting a complete and accurate investigation.
Product: Debt collection

They have a collection on my report I ask them to show me its. Mine and the documents that I gave anyone permission to sale or post anything on my report, no response
Product: Vehicle loan or lease

I had a 44 month auto loan. My second acct with Westlake Financial Svcs in XXXX. My auto was repped 3 times. The 2nd time in around XX/XX/XXXX they reported again. I got a deferment in XX/XX/XXXX/XX/XX/XXXX and paid interest. My note was {$290.00} mo. And I paid {$400.00} XX/XX/XXXX bc of deferrals and my loan matures in 90 days. Had home repairs in XX/XX/XXXXso I skipped payment. They repossed on XX/XX/XXXX claiming I was two months behind. Thus, the beginning of this dispute.. Wanted me to pay {$1500.00} to get auto back. I spoke to XXXX XXXX at XXXX about the car. I initially thought it had been stolen. They advised that 1. Had NSF fees of {$100.00} and I paid with a bank card. I was told when repossessed 2nd time they didn't apply that fee although it was listed to recover auto and 2. They advised they had collected {$1000.00} more in interest than the loan said in the beginning and finally they wanted {$3000.00} to for car. I'm done will hatchet lender. Help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting

I paid XXXX collection debts on my credit report I contacted XXXX to ask them to remove the debts that have been satisfied. they stated they do not remove paid collection debts and to contact the agency that placed the collection on my credit report.They did report the debts as paid but did not allow me to dispute to have them removed. I asked if I could dispute the claim and they said NO. I asked If I can speak with the manager to see if I can get any additional help and I was placed on hold for 10 mins. I decided to disconnect because I felt I was receiving improper treatment.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquiries due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$12000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$5700.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request. 
Thank you for your prompt attention to this urgent matter.
Product: Vehicle loan or lease

I refinanced my vehicle. I submitted the power of attorney form. In the Capital One app it states that all of my required documents have been received. However they won't send me my title back. I have moved to another state and need to get my title. I already switched my insurance to my new state and because I can't take my title to the new state, the old state has charged me {$890.00} saying I'm noncompliant.. capital one doesn't have a working number to reach customer service for Auto loans. I need assistance and no XXXX answer the phone
Product: Prepaid card

I purchased XXXX AMEX gift cards on XX/XX/XXXX, in XXXX separate transactions on the same day. The cards were received in good condition, and were transferred directly to my safe ( I think they came via XXXX, but I dont remember precisely ). On XXXX XX/XX/XXXX, I attempted to use all of the cards, to the same vendor. These transactions were made by me, directly. XXXX of the cards worked fine, XXXX did not ( though I tried it multiple times ) - XXXX XXXX XXXX. On checking the American Express balance, I noted that there were XXXX transaction made on this card, in XXXX. As the card was unused, sealed, and stored in the safe along with XXXX others, this could have only occurred through a data breach at American Express ( or XXXX of their contractors ). 

I reported this, promptly, on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I called for a status update, only find out that the email address I had given was recorded incorrectly in the American Express ( XXXX ) system. Assuming that this was the reason I had not heard back, I allowed another 2 days to elapse. It is now more than 7 days from the time of reporting, but there is no status update. 

XXXX has this listed as case XXXX, and has been less than forthcoming as to both the actual status, and the proposed resolution. 

I am asking for your assistance in resolving this case, please. I have all documents, proof of purchase, images of the cards, and the remaining cards and envelopes they came in for examination, if you need it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax The following accounts are not mine, nor have I ever opened or applied for the accounts. They are Identity Theft accounts and under section 1681c2. Block of information resulting from identity theft of the FCRA ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) A copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

They must be removed and blocked XXXX. XXXX  XXXX account number XXXX opened XX/XX/XXXX XXXX. XXXX XXXX  account number XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX  account number XXXX, XXXX XX/XX/XXXX XXXX. XXXX  XXXX  XXXX account number XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX. XXXX XXXX account number XXXX opened XX/XX/XXXX I have never lived at the following address, and this address was added to my credit report under fraud accounts and must be removed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX the FTC and the FCRA Equifax Must provide me with full information on how the invested the accounts and just calling or getting a respond from the alleged creditor is not sufficient to state that the accounts are mine they must conduct an independent investigation and prove to me with how it was done and the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 of my credit reports Wells Fargo reported the credit card was charged off XX/XX/XXXX however that is inaccurate information. The card was charged off fraudulently XX/XX/XXXX. The late fees were refunded because Wells Fargo know they made a mistake and still forced me to pay for interest for a card that should have been closed XX/XX/XXXX. However They have reported the card charge off date as XX/XX/XXXX which is not true. It was charged off XX/XX/XXXX. 
Since Wells Fargo had failed to correct inaccurate information on my credit report damaging my credit report I ask the info completely be removed. Also the card in question is involved in a class action law suit against Wells Fargo. The information by law should be removed until the litigation is completed.
Product: Consumer Loan

I AM AN XXXX OF XXXX. I applied for a Chase auto loan to replace/trade against my existing 2013 XXXX. The dealer submitted the loan application. The dealer agreed to take my car based on the remaining outstanding balance, pay it off and Put me into a new XXXX XXXX XXXX XXXX. To my surprise, my loan application was declined. Have I have a credit score of XXXX, Excellent payment history for the last 3 years on my existing vehicle, financed through XXXX XXXX. Secondly I have another car loan being financed through Chase with perfect payment history. My gross salary is in excess of {$250000.00} and I am XXXX. I submitted the last XXXX pay stubs, totaling over {$XXXX} in just the last 2 months. The reason for the decline according to the dealer was " Unable to verify my income '' and unable to verify the car trade in. I went to a second XXXX dealer and resubmitted the application, with exactly the same information. The loan was declined stating " The income on my previous application was much less and thats why they declined it the first time. I have copies of the first application and it shows exactly the same amount, {$250000.00}. I Verified my wages with my last XXXX pay stubs and to make the matter worse, I have banked with chase for more than 8 years, my business banking and all deposits go directly through chase. My mortgage is with chase for the last 20 years. I FEEL DISCRIMINATED AGAINST DUE TO MY RACE. CAN SOMEONE PLEASE EXPLAIN WHY SOMEONE WHO HAS GOOD CREDIT, EARNING A HIGH SALARY, MORE THAN NEEDED TO MAKE THE MONTHLY PAYMENT, HAS EXCELLENT CREDIT HISTORY WITH THE BANK IN QUESTION, ALREADY HAS AN EXISTING AUTO LOAN WITH THE SAME BANK, THATS IN GOOD STANDING, SUBMITTED BANK STATEMENTS AND PAYMENT STUBS TO VERIFY MY INCOME GET DENIED? 
****Income verification : I attached my last XXXX payment stubs, vendor ( XXXX XXXX ) contract for 3 years who pays monthly, the credit application I sent to the car dealer for submission to Chase. I have not included my bank statements but can be provided.
Product: Credit card or prepaid card

Greetings, This is the second time I had to file a complaint with the CFPB on HSBC! This financial institution sent me and the IRS a 1099-C for cancellation of debt after previously sending me to collections while under bankruptcy protection. This account was discharged in chapter XXXX bankruptcy in XX/XX/2020 ( XXXX )! They sent a letter of apology about the collections issue, but now they are informing the IRS I have additional income! UNACCEPTABLE!!! This is ILLEGAL YET AGAIN and goes against current bankruptcy code and the intent and and spirit of the bankruptcy code laws.
Product: Debt collection

This is a medical bill collections. But, my health insurance company covers ALL medical costs at 100 %, no matter the procedure, what the visit is for, etc. I DO NOT owe this money. My insurance COVERS IT. I tried to dispute through XXXX and nothing was done about it.
Product: Consumer Loan

I took out a personal loan from Wells Fargo in XXXX of XXXX. I have been receiving letters from them for close to a year, asserting that I am behind by XXXX payments. My payment, per month is {$210.00}. By their calculations I now owe a total of {$1500.00}, which includes unpaid late charges of {$740.00}. I sent XXXX copies of my checking account statements, showing the payments were made. I have been unable to resolve this issue, with the most recent correspondence, from XXXX XXXX, XXXX XXXX XXXX - XXXX, stating that XXXX payment on XXXX XXXX, XXXX was made and applied completely to interest, as " no payments had been made for three months prior. '' She never addressed the copies of my statements showing proof of my " missing payments ''. I have been to the branch office in XXXX XXXX, PA, but to no avail. They state they can not do anything about it, that I must call the company directly, which I have done numerous, numerous times. I would appreciate any assistance that you could provide.
Product: Debt collection

I received a collection letter from PMAB , LLC dated XX/XX/XXXX regarding a medical debt. I responded to the letter within 30 days dated XX/XX/XXXX and requested validation of the debt. I received a response from PMAB , LLC dated XX/XX/XXXX that the debt was returned to the client and closed off my credit report. PMAB, then reported a collection debt of {$1900.00} to my credit reports XX/XX/XXXX. 

I am filing this complaint because PMAB failed to send validation of the debt and PMAB is falsely reporting a collection of {$1900.00} to my credit reports that they do not own. They sent the collections account to my credit reports after providing me with documentation that the account was closed and returned to the creditor.
Product: Credit card or prepaid card

I have a XXXX XXXX card serviced by Elan financial services. And suddenly my account was closed permanently without my consent and without any prior notice and without any problems with my card and for NO reason. But the reason I was given is fraud and fraudulent activity on my account and my account has and had a XXXX balance but today XX/XX/2023 I received a statement from Elan financial with a balance of XXXX dollars and asking me to pay it even though they closed my account for fraudulent activity and fraudulent charges so why are they asking me to pay XXXX dollars???? 
Elan financial services closed my account for fraud and then they send me a statement with a balance of XXXX dollars to pay and that is wrong. You can not ask me to pay for fraudulent charges on my account. I have XXXX liability on fraud. And also elan financial services owes me the reward points that were accumulated on the account which they stole from me an never paid me
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion about a collection from XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$140.00}, which is an account I don't have knowledge of. TransUnion ignored my request for investigation and don't even answer to any of the letters is sent ( dated : XX/XX/XXXX, XX/XX/XXXX ) which are attached.I know my right and I know that by the curent law they have to complete their investigation in 30 days and if requested they have to provide method of verification. They failed both.
Product: Credit card or prepaid card

Hello to whom it may concern My name is XXXX XXXX XXXX I have filed a previous claim in regards to synchrony bank where they falsely used my wifes name and not mine without her permission, then lied they did it. In return lowed my credit score 50 points and they admitted fault and as a response from them and cfpb synchrony said they would re raise my limit to XXXX and this was on XX/XX/2020 I tried to call XXXX XXXX at XXXX XXXX XXXX and she has a very long voicemail and never calls anyone back. Im trying to get what synchrony promises
Product: Checking or savings account

On XX/XX/21, two mobile deposits were made to my USAA checking, one for {$4600.00} and the other for {$2400.00}. When the deposits were made, there were no reg cc disclosures made available to us. Instead, both deposits were made immediately available giving the impression that the deposits had cleared the issuing bank and no information provided that a hold should have been placed to give sufficient time to clear the issuing bank. The both deposits returned on XX/XX/21 and XX/XX/21, leaving us financially harmed because 1 ) the bank didn't provide any reg cc disclosures at time of deposit 2 ) the bank made all funds immediately available thereby making the bank customer assume all was well and 3 ) at no time did the bank alert us of the possibility that the deposit would return leaving us financially harmed.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any ITEMS which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these ITEMS. XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX Pl XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$2700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. ) XXXX Balance : {$950.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$460.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$440.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX
Product: Debt collection

On or about XXXX/XXXX/16, XXXX XXXX from Aldon & Associates contacted my aunt XXXX XXXX by phone stating that they were looking for me for a legal case # XXXX. XXXX XXXX has never been listed on any application I have submitted. This creditor is randomly contacting individuals with the last name XXXX disclosing personal information relating to a debt I do not know about. She resides in XXXX, MO and I have not lived in XXXX in over 12 years. Furthermore, XXXX XXXX is a mental health patient whom suffers from XXXX, XXXX and has a XXXX issues. XXXX XXXX contacting her has caused her to have a XXXX and she was XXXX on XXXX/XXXX/16 because of the threatening nature of the call which set her off on worrying that there was a legal case pending against me. On XXXX/XXXX/16, XXXX XXXX received a call from the same company but from a XXXX telephone number but they left the same XXXX number for me to contact them. They are operating outside of FTC guidelines for debt collection practices and disclosing personal information to individuals that they are not legally authorized to do so.
Product: Credit reporting or other personal consumer reports

Subject : Update of Personal Information - XXXX XXXX XXXX [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to inform you of a change in my personal information that needs to be updated in your records. My name is XXXX XXXX XXXX, and my only valid address is now : XXXX XXXX XXXX XXXX XXXX, IA XXXX Please make the necessary changes to ensure that my credit information reflects this updated address accurately. If you require any further information or documentation from me to process this change, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your prompt attention to this matter. 

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

I found on my credit scores a hard inquiry on my report. It was from XX/XX/ 2020. This was put on there without my consent. Someone tried to open a credit card with my information. I've contacted Synchrony Bank / XXXX to remove this hard inquiry on my report .They were notified over 30 days ago & Ive contacted them several times to remove it. They still haven't made any attempt to correct this. It is not helping my credit at all.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have tried to get them off my credit report it was due to a fraudulent account from a ex-girlfriend while I was in XXXX. I have provided proof and everything they wanted but yet they keep putting this account on my credit report every 3 to 6 months for the last 4 years