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

On XX/XX/XXXX, intrigued by Chases online promotion of Receive 15 Elite Night Credits per calendar year ( https : XXXX? XXXX ), I applied for a Marriott Bonvoy Boundless card XXXX I was approved immediately. Once I received the card, I wanted to find out when I would receive the 15 Elite Night credit, so I called Chase card service to ask about the timeline. Everybody I spoke to was clueless about the 15 elite night credit promotion. I got concerned so I visited the Chase XXXX branch in person. A Private Client Banker found in the card offer detail that 15 Elite Night credits will be credited to your Marriott Bonvoy member account within 60 days. However, when we called the card service to double check the timeline, the card service representative was just as clueless as the previous credit service I talked to. After the visit to Chase XXXX XXXX, I have tried on multiple occasions ( both via phone calls and written attempts ) to have Chase give me a clear indication of if they intend to honor the offer to no avail. Today ( XX/XX/XXXX ), I even got a phone call from a Chase representative who told me I would only receive 15 Elite Night Credit if I waited until XX/XX/XXXX. I told him this went against every advertisement on Chase own website. He had no good response. 
Attached please find Chases marketing page and a screen shot of the card detail where it talks about the 15 Elite Night Credit. ( p.s. I tried to download the entire offer detail document, but for some strange reasons, rather than printing out the entire document, the printer could only print out the first page four times. It would jump over all the remaining sections, including the section about 15 Elite Night Credits. )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the XXXX XXXX XXXX XX/XX/2021 with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 

I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 

The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 

15 USC 6802 ( B ) clearing states that A financial institutionmay not disclosenonpublic personal informationto anonaffiliated third party.

15 USC 6802 ( B ) 1b theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). 

With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you remove the below-mentioned information from my Consumer Report XXXX XXXX XXXX If you accept my request, I will not escalate this matter to a Federal complaint. 


Thank you for your attention to this matter Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize or give permission for my credit to be ran. 

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 I have filed a report with the FTC & I would like these Hard Inquiries to be reflected as to be deleted off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to 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 ), I demand an immediate resolution. 
Unauthorized Inquiries XXXX - XX/XX/year> XXXX - XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit report. I am a victim of a data breach, and unauthorized access to my personal information has resulted in these accounts being reported in my name. As such, I am requesting that these accounts be blocked and deleted pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This report and complaint is directly to EQUIFAX one of the 3 major credit companies.

A re investigation on Account # XXXX XXXX Incorporated, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX   XXXX  NY XXXX phone ( XXXX ) XXXX was disputed and supposed to be removed from EQUIFAX credit report.. however the disputed and removed item is still shown on myequifax credit report. XXXX XXXX, is showing the debt is removed however on myequifax the debt is still being shown. Either equifax needs to update their systems or something shady is going on!! Its my right to have whats lawfully on my credit report, i want this to be fixed asap. 

thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX INQUIRIES WAS RECENTLY UNAUTHORIZED WITHOUT MY CONSENT OR KNOWLEDGE WHICH IS A RESULT OF IDENTITY THEFT. TRIED CALLING ALL XXXX CREDIT BUREAUS ( XXXX, XXXX AND TRANSUNION ) WAS INSTRUCTED TO FILE A CFPB COMPLAINT AND UPLOAD REPORT ALONG WITH IDENTIFICATION. KNOWLEDGE WAS MADE WHEN MY LOAN XXXX INFORMED ME DURING A CREDIT CHECK BEFORE MY TENTATIVE CLOSING DATE. 

XX/XX/2023 XXXX XXXX  ( XXXX BANK ) XXXX XXXX XX/XX/2023 XXXX XXXX  ( CREDIT CARD ) -TRANSUNION, XX/XX/2023 XXXX  XXXX XXXX XXXX  ( BANK CREDIT CARD ) -XXXX, XX/XX/2023 XXXX XXXX ( CREDIT CARD ) -TRANSUNION, XX/XX/2023 XXXX  XXXX XXXX  ( BANK CREDIT CARD ) -XXXX, XX/XX/2023 XXXX  XXXX XXXX  XXXX ( BANK ) XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX ( CREDIT XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This probably won't do any good but I am so frustrated with Bank of Texas. 
XX/XX/2020 - Opened checking accounts with Bank of Texas for 5 XXXX  We did our best to transition from XXXX XXXX to BOT in the middle of a pandemic. 
XX/XX/2020 - Scheduled an online ACH for the comptroller to pull out taxes of about {$7500.00} on XX/XX/2020 XX/XX/2020 - Made a deposit with a XXXX XXXX Cashiers check {$8900.00} BOT gives two receipts - the deposit receipt and then a second receipt showing if funds are delayed. ( did not realize this as a new customer ) I looked back at my records and did not find the second receipt. So I based my actions on the online account and the first deposit slip. 
XX/XX/2020 - Funds are not withdrawn from the account XX/XX/2020 - I call the Comptroller inquiring and they said the bank rejected the transactions and I had {$480.00} of fees and penalties. 
XX/XX/2020 - I Asked the bank why they rejected the transaction and they said they gave me a delayed receipt and they hold new customer deposits for 7 days. 
I had no idea they would hold a XXXX XXXX cashiers check for that long. I have been affected by XXXX and I am doing the best I can with extremely limited banking options and resources to get money moved around. Cash was not an option from XXXX XXXX and I think holding a cashier 's check for 7 days is extremely unreasonable. Especially if it shows available on the BOT online portal. 
My complaint is this - My online account showed the funds were available. BOT said they gave me the receipt and a copy of that delayed receipt is attached. So nothing will probably happened to them but I think during a pandemic of this magnitude to not work with people on trying to help them within reason take care of payments and move cashier checks to be available sooner is really unAmerican. We are clearly not all in this together because BOT said they would not help me with any fees and if I need to find another bank I need to do that. I do not think they should allow their online accounts show one thing and clients have to rely on a second piece of paper to know they don't actually have access to their money that came in the form of a cashiers check for 7 days. Our XXXX  is already in XXXX state and having fees like this for a mistake that was beyond my understanding is another devastating blow to our XXXX XXXX  that probably won't make it anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not a duplicate tied to complaint XXXX. Dear CFBP I am filing a complaint against CBNA for failing to remove an unauthorized inquiry on my XXXX  credit report. I mailed and faxed them a letter nearly two months ago and they still have no responded. I am requesting that they remove this illegal unauthorized inquiry they made on XX/XX/2018 that had neither my permission or any permissible purpose under the Fair Credit Reporting Act. They did not provide a signed application as required under section 604 of the Fair Credit Reporting Act so an FTC identity theft report could be filed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX  XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2024
Product: Money transfer, virtual currency, or money service

On the afternoon of XX/XX/2021, I was informed that Coinbase support has temporarily disabled my account because I may have been a victim of a possible scam. This was quite odd that this happened on the day after I submitted a trade on XX/XX/2021, to buy {$3000.00} cryptocurrencies. I replied later in the day that I did all the necessary precautions like antivirus scan and reset my password. I replied and several times later to restore my access to my account. I even filed a complaint with Coinbase support on XX/XX/2021, that they have not replied and still no action from them. Support did ask me to tried login in few times but still said disabled. They reply that an account specialist will reply with 4 to 5 business days. It has been a month and not action from them
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XX/XX/2022 I need clarification as to why you are reporting certain information on my credit report. Please review the following : Account name : XXXX XXXX XXXXccount number : XXXX High credit is lower than balance. Delete for inaccurate reporting. 

After you have finished my request, send me a copy of my credit report reflecting these changes XXXX XXXX
Product: Credit card

Unfortunately, CHASE BANK continues to keep sending me credit card applications for my businesses in the mail. Even though I aware that banks are required by law to provide small businesses up to XXXX, i continue to fill the applications out hoping the banks ill do what is right. After asking for my EIN and social security number, I was denied access to my own credit. Using a 3rd party company to base your decision to deny my access to my credits is Illegal. Again my social security number was included. So no 3rd party should be used as an excuse to deny me of my own credits. I expected Chase Bank to fulfill their fiduciary duties especially since asking for my social security number 42 USC 408 states that procedure is illegal. I am the creditor. ADVERSE ACTION against a consumer is against the law. According to the EQUAL CREDIT OPPORTUNITY ACT which is codified in 15 USC 1691C AND IS PURSUANT TO CIVIL LIABILITY UNDER 15 USC 1692K 12 CFR 1002.4- A CREDITOR CAN'T BE DISCRIMINATE AND DENY ME CREDIT Credit Card 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. There is no limitation to the term any. Any means all. This is why a social security card is technically a credit card because it is always used to obtain property, money, labor, and credit. Each violation of Title 15 of the United States Code is {$1000.00}. I have the right to invoice these companies for their unlawful acts. 15 USC 1611- WILLFULLY AND KNOWINGLY GIVING FALSE OR INACCURATE INFORMATION IS A CRIME! I USED MY SOCIAL SECURITY NUMBER FOR THE APPLICATION AND BY LAW I CAN NOT BE DENIED CREDIT. YOU ARE SUBJECT TO CRIMINAL LIABILITY FOR VIOLATING 15 USC 1691 AS I HAVE PROOF THAT WAS DISCRIMINATED AGAINST BY THE COMPANY. DUE TO THE RESPONSE I WAS GIVEN. I AM THE CONSUMER THAT COMPLETED THE APPLICATION IN GOOD FAITH AND UNFORTUNATELY MY CREDIT WAS NOT ISSUED TO ME. I NEED A SOLUTION IMMEDIATELY! RESCIND MY APPLICATION OR RECONSIDER MY APPLICATION. I WANT MY CREDITS THAT BELONGS TO ME! I HAVE FULL FAITH AND CREDIT! NO MAN HAS THE POWER TO BREAK THE LAW AND DENY ME CREDIT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled bankruptcy XXXXr XXXX in XXXX of XXXX. My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. Foursight XXXX XXXX reported about 10-12 late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. Dont understand how I could be charged late payment history when I have no control on when or what order bankruptcy paid them. I have had XXXX help with this situation but havent had any luck. Ive called to talk with them on several occasions but they give me a email address to write to but never get a response. This is hurting my credit and want this fixed.
Product: Mortgage

We have a conventional home mortgage loan with PennyMac. The home value is {$340000.00}. Our initial loan was for {$310000.00}. We then paid an additional {$40000.00} in principal in XX/XX/2018. This should automatically qualify to eliminate PMI. Our balance is now {$260000.00}. 

We have contacted PennyMac several times on this and each time they claim that they will send us paperwork to complete and return. This has never happened. Every time we call they state that they have no record of our request and that they will start the process all over again. This has happened three times now as of XX/XX/18. 

I have attached my loan statement information and loan activity statement to show additional principal payment.
Product: Debt collection

On XXXX XX/XX/2019, at or about XXXX ( CA. Time ) I received a telephone call from a representative, stating he was an attorney from XXXX, XXXX and he was representing XXXX. As stated, by the representative from XXXX, XXXX this was an attempt to collect a on a debt for XXXX. I informed the individual, I was already in the process of repaying the loan as of XXXX XX/XX/2019. 
I also requested for the individual to send whatever information he had pertaining to the loan to my address on file with his company. The person that he will not send me any information through the mail to my address. I asked the person, if his telephone call was being recorded and he stated, yes it was. So, I repeated my request for the company to send the information pertaining to said loan to my address on file. 
The individual once again, stated he will not send anything by way of mail correspondence. He continue to go on stating, '' this is what happen when you do not take care of your business. We will be suing you for the loan debt, as well as any other additional costs. '' This company seems to work with or under different a name beside XXXX, XXXX, which is NMRC ( National Management Recovery Corp ). This company XXXX, XXXX as well XXXX personnel are crude, disrespectful, extremely rude. Their harassing calls to my number begins at XXXX ( CA. time ) and continues throughout the day. Now, they're threatening to sue me in court, and refuses to send me any form of written communications. I am attempting to repay my loan debt but this company refuses to listen, they just continues with their harassing bullying calls and threats.
Product: Credit reporting or other personal consumer reports

Please help me clean up my repots due to issues at po box . I am never late
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
1.XXXX XXXXXXXX XXXX 2. XXXX XXXX BANK XXXX XXXX 3.XXXX 4. XXXX XXXX 5. XXXX BANK 6. XXXX  7 . XXXX XXXX BANK 8. XXXX 9. XXXX  10 XXXX XXXX XXXX 11.XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account XXXX : XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.