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

Two months ago, I paid off an installment loan as well as several credit cards. Both XXXX  and XXXX  increased my points by over 70 while Equifax deducted a lot of points. I have tried several times calling to speak with an Equifax representative, but have not been able to speak with a human. There is no reason why they should deduct points from my credit file, and I would like someone to investigate this matter to determine their competency level in regards to accurate credit reporting, and scoring.
Product: Credit reporting or other personal consumer reports

This account was charged on the following date : XXXX Since then, the account has repeatedly been updated charged off every month. This is an update in the payment history. A charged off account should not include in active payment history. This inaccurate information falsely manipulates the status of limitation investigate this account properly after I asked you to do it twice and your neglect has violated demanding a deletion of the following account name XXXX XXXX XXXXXXXX XXXX XXXX Balance {$3700.00}
Product: Debt collection

On XX/XX/2020 Bureau of Med Econcs added XXXX derogatory marks on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a WRITTEN signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Bureau of Med Econcs has violated my rights as a consumer and I'm requesting legal action to remove the account immediately
Product: Credit card

Complaint Against Synchrony Bank ( Submit this separately for Synchrony Bank ) Subject : Violation of CARD Act & FCRA Unauthorized Credit Approvals I am filing a formal complaint against Synchrony Bank for approving multiple credit card accounts in violation of the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) of XXXX and the Fair Credit Reporting Act ( FCRA ). 

I was born on XX/XX/XXXX, and Synchrony Bank approved the following accounts before I turned XXXX XXXX XXXX without verifying independent income or requiring a co-signer, as mandated by law : Accounts Opened with Synchrony Bank : XXXXXXXX XXXX Opened XX/XX/XXXX ( Age : XXXX XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX ( Age : XXXX ) Synchrony XXXX Opened XX/XX/XXXX ( Age : XXXX ) XXXX XXXX XXXX Synchrony Bank ) Opened XXXX XXXX, XXXX ( Age : XXXX ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( Age : XXXX ) Violations of Federal Laws : XXXX CARD Act of XXXX ( 15 U.S.C. 1637 ( c ) ( 8 ) ) Synchrony Bank never verified my income before approving these accounts, violating federal law.

2 Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) These accounts were illegally opened and should not appear on my credit report.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDI REPORT AND FOUND 2 FRADULENT ACCOUNTS ON MY REPORT FROM THE SAME COMPANY XXXX XXXX CO I DON'T EVEN KNOW WHAT THIS COMPANY IS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was able to delete this debt. What are you showing that proves and keeps you from deleting this debt? If you can not show me then you must follow suit and delete this debt as well. Also in accordance with The Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I didn't give written permission. They didn't do a fair investigation. Everything was not 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. I have sent them several letters concerning this matter and to no avail, they have yet to respond I have also uploaded the documents that I have sent to them and still nothing. I have sent an updated dispute on XX/XX/2022 which they have responded to that they have gotten. 

1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

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

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. These accounts that were furnished have violated my consumer rights and I want them to delete from my account.

15 U.S.C 168c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or 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.

Delete these accounts immediately!
Product: Mortgage

I lose my job and I just got a new job and I'm trying to fix my mortgage payments and I need help with this situation because my kids father wants to take my house at etc n
Product: Vehicle loan or lease

My car Title from the NY DMV shows a Lien from Citibank. l have had this car from XX/XX/XXXX and can not recall my borrowing or pledging the title for a loan.l have contacted Citibank as well as XXXX XX/XX/XXXXand neither of them have any records of loans to me against this vehicle..l then contacted My Title Support, com for assistance but their response again showed that there was no account.l therefore need a Release of Lien or a Letter of No Interest so l can produce this as evidence that there are no liens on my car TitleI have exhausted calling and faxing to different agencies in the hope of getting this resolved but unfortunately l have been unsuccessful ... I need Help
Product: Credit card or prepaid card

I've had issues with this card for awhile. I just need them to work with me I can't afford it. I'm now out of work due to virus
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XX/XX/scrub>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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Personal Statement I XXXX XXXX AND XXXX XXXX ATTENDED A SEMINAR FOR A TIME SHARE IN XXXX XXXX AND AFTER ATTENDING WE DECIDED NOT TO GO WITH THE TIME SHARE AND CONTACTED THE AGENT TO LET HIM KNOW WE WERE NOT GOING TO SIGNUP WITH THE TIME SHARE AT THIS TIME. I WAS TOLD HE WOULD LET THE SUPERVISOR KNOW AND TO CANCEL BUT THEY NEVER DID. I HAVE TEXT MESSAGES AND EMAIL SHOWING I CANCELLED WITH IN ONE DAY OF ATTENDING THE SEMINAR. I also have emails that they sent a week after saying it was to late but they never answer or got back to me until after the time
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Checking or savings account

Placed an order for a XXXX shirt from XXXX on XXXX XXXX for XXXX USD. 
Delivery date was XX/XX/XXXX through XX/XX/year> for a birthday gift. 
I never received the delivery, I sent an email they did not reply till a week later. They told me they would look into canceling the order. XX/XX/year> they sent out an email said that my package would be delivered XX/XX/year>, I was not in the state from XXXX XXXX till XX/XX/year> for a XXXX trip. I was not home for the delivery I did not receive my package. I had to later buy another XXXX shirt from a XXXX store on XXXX XXXX for XXXX USD. I sent out emails they told me 2 weeks later that they do not honor refunds. I contacted my bank capital one to dispute it, they did it temporarily and did a reversal. I still do not have the shirt, my refund or even credit. I wasnt able to get that kind of money back they eventually closed my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account listed on my credit report, which I believe contains incorrect and misleading information. After carefully reviewing my report, I can confirm that I have no knowledge of this account and did not authorize its opening or any associated activity. This account is incorrect and should not be reflected on my credit report.
Product: Student loan

My school ( XXXX XXXX ) promised job placement, high salary, and the best education. Soon after graduation, my school closed down due to misconduct and now no longer exists. At the time, they pressured me into taking out loans and reassured me that I would be able to make plenty of money to pay them off. This has created a long lasting financial burden on my life ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit inquiry was done on XX/XX/2021 by XXXX XXXX XXXX XXXX XXXX XXXX. I didn't ask for any inquiry to be done. 

I left a voicemail at XXXX XXXX at number listed, I gave them my name and said stop doing credit inquiries. Their recording says not to ask for a call back. 

I've put a security freeze on all 3 credit bureaus, and notified XXXX XXXX  Fraud Department.
Product: Mortgage

Dear FCPB, I am writing to file a formal complaint against Wells Fargo regarding their handling of my mortgage escrow account, which has caused me significant concern and if not resolved may also cause financial distress. My property tax recently increased from {$17000.00} to {$18000.00} annually, resulting in an additional financial burden of {$710.00} per year, equivalent to {$58.00} per month, note that my homeowner 's insurance premiums have remained about the same from last year. 

The issue I wish to bring to your attention arises from Wells Fargo 's notification that they intend to increase my escrow payments by an astonishing {$5300.00}, equivalent to XXXX per month which is about 740 % higher than the actual increase noted on the prior paragraph. In the attached analysis provided by Wells Fargo, they justify this increase by stating they need to add a two-month cushion of escrow, totaling {$3200.00}. 

However, my concern primarily stems from the explanation given to me by a Wells Fargo customer service representative named XXXX during a call I made on XX/XX/2023 at XXXX XXXX EST. XXXX asserted that the two-month cushion of escrow is mandated by New Jersey law XXXX implying that it is the minimum requirement for the state. Subsequently, I conducted extensive research to verify this claim, and I found no evidence to support Wells Fargo 's assertion that New Jersey law necessitates a minimum two-month escrow cushion. 

Moreover, it is important to note that New Jersey does not require lenders to pay interest on mortgage escrow accounts. In light of this fact and the current high-interest environment, Wells Fargo 's practice of requiring an excessive two-month escrow cushion not only misleads the customer but also appears to be an abusive and unfair practice that places an unjust financial burden on me as a homeowner, while they will be earning interest in the extra escrow reserve without paying a XXXX to the customer. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly to ensure that Wells Fargo is in compliance with all relevant laws and regulations. I believe that their actions are not only misleading but may also constitute an unfair and deceptive business practice. I also request that you take the necessary steps to rectify this situation and ensure that I am not unfairly burdened with an excessive escrow requirement. 

Enclosed with this letter, you will find copies of all relevant documentation, including the Wells Fargo escrow analysis. I hope that your intervention will lead to a resolution that is both fair and in accordance with the law. 

Thank you for your prompt attention to this matter, and I look forward to your response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I hope you're doing well as I write you this letter. After carefully requesting my credit report from your company, I am having a lot of trouble discovering a lot of inaccurate or invalidated accounts. Since my information was impacted by the Equifax data breach and might have ended up in the wrong hands, I am unaware of these things or inaccurate information. I have strong evidence that these erroneous items on my report were caused by your breach. You are failing to comply with the FCRA by reporting carelessly and inaccurately. I demand that these items be updated and deleted right away. I also demand that you send me a credit report within 30 days that reflects the updated changes. 

1. The following personal information is incorrect Name : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX, XXXX CA XXXX 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX 4. Identity Theft XXXX XXXX Account Number : XXXX 5. Identity Theft XXXX XXXX XXXX Account Number : XXXX 6.Identity Theft XXXX XXXX XXXX Account Number : XXXX 7.Identity Theft XXXX Account Number : XXXX 8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX 9. Identity Theft XXXX XXXX XXXX Account Number : XXXX 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX I swear under penalty of perjury this account was opened fraudulently I am aware of your unlawful practice of responding to consumer complaints and challenges by sending generic letters regardless of the information provided. Each disagreement must be resolved on an individual basis, according to 15 U.S. Code 1681i ( 2 ). I used fully accessible software to create my letters. My consumer rights are violated if my letters are not processed. I will view this as a violation of my rights and will speak with my attorney.
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. 
has violated my Consumer rights : Account name : XXXX XXXX XXXX  Bankruptcy : # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX : # XXXX Account name : XXXX : # XXXX, Account name : XXXX XXXX : # XXXX, Account name : XXXX : # XXXX, Account name : XXXX : # XXXX, Account name : XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX : # XXXX, Account name : XXXX : # XXXX, Account name : 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

I applied for the Citi Business AAdvantage Platinum card on XX/XX/2023 with the stated requirement of spending {$6000.00} for XXXX bonus miles. I met this spending requirement within 2 weeks and the bonus miles showed up on the first statement I received from Citibank. The miles from spend ( XXXX miles ) are now stuck in an XXXX XXXX account and I can't use them or transfer them ( even though the terms state that I should be able to transfer them if I have this card ). I also have not seen any of the bonus miles from the sign up bonus even thought I have met all the conditions of this spend. I have attempted to reach out to both XXXX XXXX and CitiBank and they each tell me to keep waiting and then blame each company. I have seen that this is an issue that many others are having and I would like to get this resolved as soon as possible so I can use these promised miles.
Product: Credit card or prepaid card

On XX/XX/2021 XXXX charges in the amounts of {$220.00} and {$5.00} appeared on my XXXX XXXX XXXX  with Bank of America. The description of these charges says XXXX XXXX XXXX CA. I do not have an account with either of these companies and do not do business with them. When I called the number they were unable to help me because, of course, I do not have an account with them. 

I then contacted Bank of America and reported the fraudulent charges and Bank of America reversed the charges the following day, XX/XX/2021, closed my account and mailed me a new credit card. I thought that was the end of it but on XX/XX/2021 the charge for {$220.00} reappeared on my account as part of the balance due. The charge for {$5.00} has not reappeared. The reason given by Bank of America for charging me back for this fraudulent charge was that the merchant has provided documentation confirming I received the merchandise or service. 

I immediately started calling Bank of America and talked to numerous persons on XX/XX/XXXX and XXXX, 2021. I requested the most basic information so I could explain why this isn't my charge which is the name of the merchant, the item I supposedly purchased and when and where it was delivered. Bank of America has not furnished me with any of that information. In Bank of America 's denial letter the transaction description is blank. 

XXXX can't help me, XXXX can't help me and Bank of America won't help me. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mulitple Late payments that can not be found with XXXX XXXX. 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 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.