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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Reinvestigation of Profile Upon Investigation of my consumer report with TransUnion Ive come across inaccurate information. In Accordance with the Fair Credit Reporting Act the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This list of accounts has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681 C. ( 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 7 years. 15 U.S.C 1681 3-2 ( 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. 

Upon reinvestigating and finding of fact please remove and all accounts listed above immediately Thank You, XXXX XXXX XXXX.
Product: Debt collection

They have doubled the amount by filing it twice for one second this was to be filed on my insurance and was given instructions as to how to file being it was state medically needy insurance they refused to do so saying I had to pay it and get reimbursed from my insurance and that is n't how that insurance works so they need to file it with the insurance and remove this from my report
Product: Vehicle loan or lease

On XX/XX/year> a loan was taken out for a XXXX XXXX for XXXX dollars. The loan taken out was issued to the perpetrator by the loan company even though the information that they submitted was incorrect and was utilizing my information. I have notified the IRS and am filling a police report.
Product: Mortgage

Im trying to inquire if I qualify for the Wells Fargo lawsuit. I had a mortgage with them from XXXX to XXXX and I want to know if I am owed part of the settlement.
Product: Student loan

Good morning, I write this complaint with anger that had built up since I started speaking with employees from FedLoan. I filed chapter XXXX bankruptcy XX/XX/2012 and my student loans show as they were included in my bankruptcy but they were n't. My bankruptcy was discharged recently and on my credit report my student loans show included in bankruptcy but also show as a XXXX which I 'm being told is default status. I 'm trying to purchase a home and if it 's in default I 'm not able to. I spoke to XXXX # XXXX on XX/XX/XXXX and uploaded my discharge letter and a personal letter from myself and she advised me I would receive a default clearance letter in my email by Monday XX/XX/XXXX and the bankruptcy status would change in 7-10 business days I never received the letter and I called in XX/XX/XXXX and spoke to XXXX # XXXX and she said I will receive the default clearance letter by XX/XX/XXXX. I called back to confirm that information on XX/XX/XXXX and spoke with XXXX # XXXX and was transferred to supervisor XXXX # XXXX who then told me they ca n't tell me what day I will receive it nor can she tell me how long it would take to receive it. She was not helpful and did not put forth any effort to assist me and I 'm sure she could see all the notes on the account. Yesterday was XX/XX/XXXX and I did n't receive anything in my email, I called in and spoke to XXXX # XXXX who read the notes on the account and immediately gave me attitude saying well the supervisor told you it takes ex amount of days. I explained to him that I do n't care what she noted on the account because she would n't provide me with a date nor a timeframe and he told me everything should be done within 7-10 business days and I said so I should have it by XX/XX/XXXX then and he said the process takes 7-10 business days so it should be by XX/XX/XXXX. I 've been given the runaround ever since I have been calling and no one is on the same page and I should 've received the letter by now and no one can tell me why I have n't received it from the first request. I 'm disappointed in the service that I received from everyone thus far. I need my letter so I can purchase my home.
Product: Checking or savings account

I applied for and was able to open a XXXX savings account with XXXX promotion code that was to give a {$500.00} bonus if I funded the savings account with XXXX and kept the money in the account for 90 business days. I funded the account with {$50000.00} but on the 70th business day, I received an email that the account was going to be closed, per the Capital One representative for " business reasons '' after the only activity on the account was the accrual of interest. So 20 days short of the money sitting in the account for long enough to earn the bonus, Capital One decided to close the account. This feels like a bait and switch - nothing happened to my credit report or the account itself, yet Capital One pulled the " we can close your account at any time '' clause to effectively deny the promotion which was the bait to open the account. I contacted them on the day I received the closure email XXXX, and they said a letter was sent in the mail about the closure reason. I waited for 10 business days, and still not in receipt of the letter describing their decision, I called on XX/XX/XXXX. They reported the escalation would expect to have a resolution on XX/XX/XXXX. I still heard nothing, and called on XX/XX/XXXX, only to be told that no letter would be sent ( odd that they couldn't resend the letter they purportedly sent out on XXXX ), and that the account was closed for business reasons and there would be no further communication other than that. 

Basically, they kept my money for XXXX of the required 90 days, and then denied the promotion bonus of {$500.00} for closing my account for business reasons. I propose that business reason was to defraud a customer of the bonus to be earned by closing the account before the bonus would post.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiry on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiry that I do not recognize or authorize : XXXX - XX/XX/year> Equifax Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.
Product: Credit card or prepaid card

Re : Barclays credit card Back in XX/XX/XXXX after purchasing a new XXXX and paying it off through Barclays, they decided to continue the Acct with a {$2000.00} line of credit. By XXXX of XXXX they increased that amount to {$3700.00}. By XXXX of XXXX they again increased the line to {$6700.00}. By XXXX of XXXX they increased the line to $ XXXX XX/XX/XXXX it was {$9800.00}. It stayed at {$9800.00} for ALL of XXXX and into XXXX. In XXXX of XXXX there was a short payment of {$67.00} and the only late fee EVER was charged and reversed on the same statement. 
In XXXX of XXXX I made a large payment of {$2600.00}. Only to receive a letter on XX/XX/XXXX that my limit was reduced to {$5700.00}! This upset and confused me but I assumed it resulted from the pandemic or something. My limit remained at {$5700.00} until this month when I made yet another {$2000.00} payment. Then today received notice that my credit line had AGAIN been lowered to {$3000.00} now! They keep telling me my amount due is too high relative to my available credit line! Well OF.COURSE IT IS! You keep lowering the line! 
This is unacceptable! There is no valid reason to do this to someone that has been with them since XXXX and has no history of late payments. 
Plus they have run 3 hard inquiries this year when the average is 2. Combine these with my lowered available credit amount and my score has suffered tremendously! 
Not a happy customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, DEPT OF EDUCATION Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX Account # 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted a draw for {$2000.00} to my bank account. The funds were said to be put in account by XX/XX/XXXX at end of day. Never was. I called every day and they said it was sent. Never got it. Finally they said it needed a trace and would research. Finally I saw the funds back in the credit so I re submitted the draw for {$2000.00} the people called me to verify my bank AGAIN and once again I did not get my money and they are now saying I cant get it because they need to put another trace. This is two weeks with the same run around lies. They have me owing {$220.00} for a monthly payment on XX/XX/XXXX due for a loan that I HAVE NOT EVEN GOTTEN!!!! Credit fresh is the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

i Have sent Transunion over 20 letters regarding fraudulent inquires & they send me letters back saying, that i need to reach out the creditor directly, i sent the letters to each creditor directly every 30 days for the last 4 months with no response. Transunion is the only company that responds but they say to reach out to creditor, i have ask Transunion and each creditor to provide me with written consent or a signature proving that i indeed made these inquiries and both companies fail to provide me with this data, therefore i would like these unauthorized inquires removed immediately. I have also spoken to over 20 representatives at Transunion about this matter and none of there representaves will help me with this problem. each inquiry is unauthorized by me and i did not authorize any of these inquires. 

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

I deposited a check to my XXXX XXXX XXXX checking account amounting to $ XXXX on XX/XX/XXXX from my Citibank checking account, it was returned even though it has funds. I was charged a return check fee then there were so many overdraft protection charged on my credit card. I paid way too much worth $ XXXX for something that is not my mistake. I contacted Citibank and they said I have no stop payments but XXXX XXXX XXXX is committing that anomaly/fraud in my account. I attempted to deposit again and they did the same thing again even my account at Citibank has funds they keep charging that return check fee plus too many overdraft protection in my credit card. 
Due to XXXX  XXXX XXXX 's fraud I went to their branch in XXXX on XX/XX/XXXX and asked the manager to close all my accounts ( checking, savings, credit cards ) at XXXX, Until XX/XX/XXXX they are still charging an already closed account. Now they are charging another $ XXXX again to an already closed account. They reported to the credit bureau that I owe them and they reported an inaccurate report to the bureau. My credit score got affected by XXXX  XXXX XXXX 's fraud. My credit score is XXXX, now it dropped to XXXX.
Product: Checking or savings account

Back in XXXX of 2020 I reached out to Simple/BBVA to dispute a total of {$15000.00} from XXXX. I have tried and exhausted every Avenue to recover these funds and have had no success. Simple was not helpful and would not properly file my dispute. They were impossible to reach via phone or via in app support and eventually told me that these funds would not be returned. The disputes, again, were never properly filed, the bank eventually closed their doors and is now owned by BBVA. I am attempting for the current account holder to salvage the failure of simple and return the funds to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened a Barclays Card XXXX XXXX Master Card, a promotional offer on an XXXX XXXX flight. I subsequently never used the card. On XXXX XXXX, XXXX I was advised the account has been closed due to delinquency. I contacted Barclays on XXXX XXXX, XXXX. A " representative '' researched the account, found the {$99.00} amount " due '' was only for an annual membership renewal and that I had never used the account. I stated I wanted the account closed, the membership fee credited and the derogatory delinquent status removed from the credit bureau reporting. The representative, after looking at my other XXXX Barclay Card long history and good-standing, stated that he would do precisely that. I was provided a case # XXXX. I have since found the derogatory status has reduced my XXXX score from XXXX to XXXX. 
I contacted Barclays today as I had previously requested to be copied on communications to the credit bureaus. The " representative '' today was much less helpful, unable to provide confirmation of anything ( other than confirmation of the case # ) and  basically told me to file a claim with " FCRA ''. I do not feel that Barclays is cooperating in this matter in a timely nor professional, informative matter. I would like reassurance that the proper, agreed upon info is sent to the credit reporting agencies.
Product: Debt collection

Its been over a year now that I have tried disputing this item off of my credit. No one can prove to me that this is mine, no legal documents have been sent to me and I need it removed.
Product: Prepaid card

I dialed XXXX to inquire about the declined transactions, and they informed me it was due to suspicious activity. After providing my information and sending documents via fax, I called for updates multiple times. However, they repeatedly hung up while I was providing my card number. Upon reaching a representative, I was informed that my ID was missing, despite having proof of submission. It's been months, and I feel they are engaging in suspicious practices, as evidenced by numerous reports on XXXX  and other platforms. This conduct is not new, and I believe they should face fines for such actions.
Product: Credit reporting or other personal consumer reports

I am writing as a victim of identity theft and a data breach that has resulted in unauthorized accounts and inquiries appearing on my credit report. I request that you block and permanently delete the fraudulent accounts and inquiries listed below from my credit file as permitted under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Bank of America placed a derogatory mark on my credit report on XX/XX/2023. I have called at least five times and they told me that it has been removed but it is still on my credit report. The last time I called and explained this to an agent they hung up on me
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I filed a complaint against PayPal, XXXX, incredibly I received a response from Synchrony bank, which did not address the issue at all. The response from Synchrony simply gave me a history lesson, thank you for telling me what I already knew. 
SO LET 'S DO THIS AGAIN and I will word my complaint differently so there is NO confusion. 
PayPal ( not Synchrony Bank ) targeted and solicited me to open a PayPal line of credit. Promising zero interest and 6 months or more to pay for items over {$99.00}. 
I APPLIED ; and was approved my credit score was XXXX. 
The line of credit is now attached to my PayPal account. However PAYPAL, not Synchrony Bank, does not allow me to use the line of credit as an OPTION for any purchases at all. I have made a dozen attempts over the last 2 weeks, from {$40.00} to {$700.00} each and every time with a merchant that accepts PayPal Line of Credit. BUT, PayPal does not give me an OPTION to use the line of credit I was approved for by Synchrony Bank. I will provide screenshots of my attempts and you will see the OPTION to use the PayPal line of credit is NOT available for me. I have made at least 9 inquiries and every time get the identical standard auto response. I have done nothing to break any agreement because I have not had a chance to use the line of Credit. PayPal has not asked for an additional information of provided a valid reason why I can not use my line of credit, This is FRAUD by PayPal and I have been harmed. 
In Summary again to make sure whoever reads this understands. 
1. PayPal solicited me to apply for a line of credit 2. I applied and was approved through Synchrony Bank 3. My line of credit was attached to my PayPal account 4. I get solicitation every day from PayPal to use my line of credit 5. I have made over 9 attempts to use my line of credit with merchants who accept PayPal but PAYPAL refuses to allow me to use the Line of credit for anything. Paypal simply has blocked my account for access to my PayPal line of credit. 
THIS IS A EASY CLASS ACTION as PayPal misleads every single consumer. What PayPal really does is make a credit decision against each consumer for each purchase attempt using the Paypal line of credit. If I knew this is why PayPal really did I never would have applied and gone through this XXXX. 
Any XXXX search will reveal the thousands of identical complaints. 
****Lastly, I do NOT want and do not authorize and phone calls from PayPal in their response. I want all communication in writing to make sure both sides have an accurate record.
Product: Credit reporting, credit repair services, or other personal consumer reports

an inquiry was added to my account and I didn't apply for a credit report XX/XX/2019 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters making Transunion aware of the fraudulent inquiries on my credit report and they have not done nothing to properly investigate the matter or provide evidence to validate that the proper protocol was taken care of per the Fraud alert. 

There is a specific statement that states : XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

I have asked them to provide proof that I was contacted per the statement. The only inquiry that would be valid would be XXXX XXXX XXXX on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mortgage reporting on my credit as a derogatory loan and I have never had a loan with US Bank - this account needs to be removed ASAP as I am applying for a business loan and this was flagged on my credit application. This must belong to someone else. I tried to call and write with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.