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

XXXX, XXXX XXXX Last Four of social : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX UNAUTHORIZED USE OF CREDIT REPORT After reviewing my credit report. Ive noticed Experian is reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to report anything without my consent let alone obtain, furnish, and report completely false and inaccurate information. I've even called quite a few times stating the violations and was given the response that their was nothing that they could do about it.This is completely against the law, their violating my rights as a consumer. No Im no attorney, but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining XXXX percent accurate information and fairness for the right to consumer privacy. Since Experian has refused to take care of the problem I expect you, XXXX XXXX XXXX to uphold the law and delete these accounts in the letter below promptly. 

Best Regards, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 I opened savings account of $ XXXX with cash bonus of {$600.00} offered by Citi Bank. All term conditions were satisfied on XX/XX/2019 from my side however Citibank branch manger refused to pay the mentioned bonus of {$600.00}. Today I contacted branch manger by phone and his position in this matter did not change at all leaving me empty handed. Their act is an obvious breach of financial agreement and their deserve severe penalty. Many other people posted similar complaints regarding the same issue.
Product: Credit card

Credit card was fraudulently opened under my name. Received credit card from Best Buy that I had not opened. I contacted the company and they have closed the card and are looking into the fraudulent charges. I received the notice on XX/XX/year>, but did not personally receive the mail until XX/XX/year> at which time I reached out to Best Buy directly.
Product: Credit reporting or other personal consumer reports

I opened an account in XX/XX/year> with Barclays ( Aviator Advantage credit card ). Upon opening the account, I notified Barclays of my XXXX XXXX and stated I would need paper statements as I dont use email on my own. 

No paper statement was ever sent, and because of this, I never received a statement for a {$15.00} charge and was late for payment by 30 days. 

Upon being late, they finally sent an email which one of my assistants saw and paid the account in full at the 31 day mark. 

I had XXXX letters written to their consumer disputes department to remove the remark from my credit report since this was their error as described above. 

They failed to remove this from my report after XXXX letters and an internal complaint being opened. They also failed to notify me in writing of any decision after the internal complaint was filed.
Product: Credit reporting, credit repair services, 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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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

The loan for NEWREZ-Shellpoint is not my loan, however it is mom loan who died in XXXX. I had no knowledge of this loan until years after her death. A little background about me I have not lived in Alabama where the mobile home is located since XX/XX/XXXX ( mobile home was purchased after I left home for the XXXX ). The credit report states that this mobile home was purchase in XXXX, I was XXXX XXXX XXXX with no desire to purchase anything but a car. I am retired XXXX XXXX  XXXX, who currently still works for the XXXX as a XXXX XXXX XXXX  who has never had any plans of moving back home. The loan in question is for a mobile home that was repossessed between XXXX and XX/XX/XXXX. I have called NEWREZ-Shellpoint at XXXX 10 to 20 times a month to resolve this issue but when I have spoken to someone on the phone, they state they have no record of me having an account with their company. I give them my SSN and account number on the credit report and still they say no record found. I have called the whole month of XX/XX/XXXX and have not spoken to anyone yet. I have disputed this issue with the credit bureaus and each time NEWREZ-Shellpoint validates the information on the report. I have never received any mail regarding this property. I am in the process of hiring a lawyer to help me resolve this issue. I just would like to speak to someone so I can have this deleted from my credit report because this is causing problems professionally and personally.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX Account Number : 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: Student loan

I originally took out loans through XXXX Bank for my education expenses that my federal loans did n't cover. These loans were later sold to Discover. Discover has since continued to increase my interest rate so that my monthly payments continue to increase making it harder to pay down the balance. A few months ago my payment was around {$680.00}. On a good month, when I had a little extra money, I 'd pay {$700.00}. Then they upped my interest rate and now I have to pay {$700.00}. This is not the only student loan I pay. I pay so much towards my private that my federal payments are {$0.00}. Despite my good salary, I am just barely making ends meet. If they up my interest again, I wo n't be able to pay.
Product: Prepaid card

I have XXXX American Express gift cards that I can not use in any online store. In fact, the stores are charging me {$.00} each time they try to validate the card so my balance is decreasing but the card is virtually unusable. 

I have tried the card at XXXX, XXXX XXXX, XXXX and more to no avail. I also tried to update the card with my name and shipping address but that is also not a function Amex allows.
Product: Credit reporting or other personal consumer reports

Account is reporting incorrectly on my credit report I took all steps to fix it the account went into collections in XXXX and every month the same account hits my report as a collection my score dropped XXXX points since this have started its illegal and improper use of the fair reporting act the attachments below is the evidence that I have Ive tried disputing and nothing ever happens I would like this issue fixed immediately a collection account should only hit your report once. Please help me resolve this issue
Product: Credit card or prepaid card

From the XXXX - We recently reported on the disturbing trend of large U.S. banks most notably XXXX XXXX XXXX ( XXXX ) and Citigroup using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by anti-gun activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. This feigned high-mindedness is particularly galling to gun-owning Americans whose billions of tax dollars helped bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster. Now, pro-gun members of Congress are  demanding answers and accountability. You can do your part, too, by lodging your own complaints against the banks with the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. XXXX, XXXX, Experian. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX XXXXXXXX Balance {$100.00} date Opened XX/XX/XXXX XXXX XXXX  date opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$240.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$370.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$660.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2400.00} 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

I've made several letters to Equifax and XXXX, also providing documentation that verified my identity. Not only are these Credit reporting agencies, reporting inaccurate information to third parties, but not providing me with an actual credit score or updated report directly through their platforms. 

These companies are in violation of 15 USC 1681B, I have not given them permission to report some of this information to my consumer profile. But they are also not providing any information within 30 days which is also in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Also not providing a updated response or any information on how to rectify this is also in violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) If this is not rectified within 5 business days, I will be seeking legal action. This is severely impacting my ability to utilize my credit
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 

Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score. 

XXXX. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report.

- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Product: Student loan

I submitted by IDR form for new payment calculation for the upcoming year two weeks ago. I keep getting told by Fedloan Servicing that it will be 30 business days before they even look at it. Pursuant to their agreement with the Department of Education, they have 14 days to make a determination on the form so I can resume payments. 

Six weeks is much longer than two weeks and will interfere with my ability to make payments, especially if the brain trust finds " errors '' in the form and rejects it. Fedloan delays so they can forbear the loan and let interest capitalize. I am trying to prevent that from happening.
Product: Credit card or prepaid card

On XX/XX/2021, I applied for the Citi Custom Cash credit card directly through the Citibank website ( as I feel it's more secure that way ) after seeing an advertisement for it on XXXX XXXX. The advertisement on XXXX XXXX read and still reads that you will receive {$300.00} worth of points after spending {$1000.00} in the first three months. I reasonably assumed this would be the same offer I would receive after applying directly through the Citibank website. After being approved and receiving the card, I found out that Citibank had changed the terms of what they had shown in their advertisement and reduced the promotion to only {$200.00} worth of points after spending {$750.00} in the first three months. I chatted with and called Citi support and was told nothing could be done to change the promotion to the one which was shown in the advertisement for no reason except that they're " unable to. '' I even elevated my request to a supervisor and was told the same thing. This is a classic bait-and-switch and Citi should be disciplined for this, especially since they are refusing to make good on their advertisement.
Product: Credit reporting or other personal consumer reports

In 2018 I was a victim of identity theft, which accounts were made with housing that was not me I discovered fraudulent accounts had been opened with XXXX XXXX also represented by XXXX XXXX XXXX XXXX XXXX/ and XXXX XXXX XXXX XXXX  . Also Paragon Revenue is reporting fraud account to credit reporting agencies. I immediately filled a police report with XXXX, nc XXXX XXXX police department because of fraud. These accounts were soon removed because they were fraudulent. Now these accounts are back and reporting a negative on my credit report preventing me from getting a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports which states that : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX did not give Equifax any written consent to report on my consumer report. 

I sent Equifax a dispute letter stating that United States Bankruptcy XXXX XXXX XXXX XXXX XXXX  of Arkansas does not provide information to any credit reporting agency. 
I have the letters enclosed in this complaint. Equifax is currently still reporting this inaccurate information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a letter dated XX/XX/2020, I mailed a dispute to TransUnion. This dispute alleged that 19 hard inquiries were not authorized. TransUnion did not investigate and simply asserted that the hard inquiries were a factual matter. IT took TransUnion until XX/XX/2020 or more than 30 days to resolve the matter. 


On XX/XX/2020, I filed an online dispute with XXXX  with respect to hard inquiries. I stated that these disputes were not authorized by me. On the very same day, XXXX  closed the Dispute and refused to investigate. 

On XX/XX/2020, the court, Norman v.Trans Union, LLC, Case No. 18-5225 ( E.D. PA August 14, 2020 ), held that TransUnion could be held liable for reporting unauthorized credit pulls.
Product: Checking or savings account

XX/XX/2020 Ally Bank made me an offer of 1 % interest bonus on all deposits in XXXX. I deposited {$10000.00} in XXXX. I called numerous times in XXXX XXXX XXXX and XXXX to verify this promotion, every time I was told my bonus 1 % would be paid by the end of XXXX. I called in XX/XX/2020 and was told they would investigate my account due to many errors with my and other accounts. I received a call on XXXX XXXX and was told that my account was not eligible. I followed all rules of the promotion and did not withdraw the {$10000.00} until the waiting period was over.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally submit a complaint concerning a collection account that appears on my credit report, which I believe represents a violation of my consumer rights. Over the past 2 months I have submitted several disputes to the consumer reporting agencies : XXXX, XXXX and Transunion ; asking them to verify the inaccuracies and have received no response. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that my rights are upheld, and that the collection account is corrected or removed if found to be inaccurate or in violation of consumer protection laws. They have failed to provide validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full my loan amount. They are arguing I didn't pay. I paid XXXX on a XXXX dollar loan in less than 4 months from getting the loan with opploans
Product: Credit card

Today ( XX/XX/XXXX ) I received a notice that my Bloomingdales AmEx credit card interest rate was going up to 34.49 % effective XX/XX/XXXX. The current rate is an already super high 31.99 %. I called to inquire why the rate was unexpectedly going up when interest rates are expected to be going down. I was told Bloomingdale 's uses the prime rate ( 8.5 % on XX/XX/XXXX ) plus an " adder. '' In this case the Bloomingdale 's so-called " adder '' is 25.99 % ( i.e., XXXX + XXXX = XXXX ). I was also told by the very pleasant customer service person that the new rate could not be changed. 

This is an exorbitantly high and unreasonable interest rate when other reputable credit cards use interest rates around 23 % or 24 %. Why is the Bloomingdale 's credit card interest rate so high? 

I have been a loyal customer of Bloomingdales for decades. Although I don't pay credit card fees per se because I pay my bill in full, other customers do pay these fees. My conclusion is that Bloomingdales is taking advantage of its loyal customers by charging outrageous fees. I think Bloomingdale 's should consider " lowering '' its credit card interest rate and perhaps consider changing some of its other business practices to lower costs.
Product: Mortgage

My 1st and 2nd mortgages were transferred from XXXX XXXX XXXX to Nationstar in XX/XX/XXXX. At the time, I was going through hardship and was seeking a loan modification. Nationstar resent the modification application papers and the 1st Mortgage was successfully modified and I started payments in XX/XX/XXXX. Later in XXXX I received two separate Loan Payoff Statements for both the 1st and 2nd. I neverheard anything else concerning the 2nd, no statements, nothing. ( My last payment to the 2nd Mortgage  was XX/XX/XXXX. ) I received a letter in XX/XX/XXXX stating that the 2nd. Mortgage had been charged off because they " were unable to cure the account delinquency and bring my loan current. '' No offer to modify the 2nd. Mortgage, no attempt to lump arrears into a new payment plan. Furthermore, there has been no reporting to the credit bureaus until now, the charge off has just been reported. No other reporting. I think Nationstar was negligent in their loan servicing which has impacted me, and negligent in their duties to perform for the 2nd Mortgage note holder, XXXX XXXX
Product: Debt collection

Follow up to complaint XXXX, which was closed without proper resolution. I have attached the additional documentation from the XXXX XXXX billing system showing that there was/is no balance owed. This billing data clearly states that there was no balance remaining after the {$22.00} that Americollect 's records show was paid to XXXX XXXX. Please remove the incorrect collection claims from the three credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent this company a letter about some errors on my credit report, but it's been over 30 days, and I still haven't received a response. I was informed that they may be violating the FCRA law for not complying. Please look at this matter, as those errors on my credit need to be cleared as soon as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account found on my credit reports from XXXX XXXX XXXX for the amount of $ XXXX. I've contacted the debt agency on XX/XX/XXXX, for more information regarding this debt and was repeatedly transferred to a representative 's voicemail ; in which absolutely none of my voicemail messages were returned. This debt was fraudulently placed on my report without my consent. I've requested verification of said debt account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for this alleged debt. Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to me.