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

XX/XX/XXXX : Contacted cardmember service at XXXX with the number provided on my credit report. They passed me to " XXXX '' She does not see any card number associated in their card services department. They handle companies like, " XXXX XXXX XXXX XXXX She does not have record of a card number in my name or my social. Please remove this from my credit report. Here is the info on my Experian Credit Report today : -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX This account is currently under dispute under dispute Account info Account name XXXXXXXX XXXX XXXX Also known as XXXX XXXX XXXX Account number XXXX Account type Credit Card Responsibility Authorized user Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$14000.00} Balance updated XX/XX/XXXX Recent payment {$47000.00} Monthly payment {$42.00} Credit limit {$25000.00} Highest balance {$18000.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Additional info Between XXXX XXXX and XX/XX/XXXX, your credit limit/high balance was {$25000.00} Contact info : Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account name XXXX # XXXX, Account name XXXXXXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX  # XXXX, Account name XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXX  # 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 furnishan 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 adverse item of information, other than records of convictions of crimeswhich 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

Im a victim of identity theft and all my personal information was exposed in a data breach more than once. I have something on my credit report Affirm Inc that I know for sure is not mines but these people continue to harass me about it. I sent all necessary paperwork to prove to them Im a victim of identity theft. But the issue still wasnt resolved now its on my credit report. May someone please help me and let know what do I have to do.
Product: Credit card or prepaid card

While on a cruise I was looking to by airfare tickets back to NY. Came across Delta, XXXX XXXX offer : if I, XXXX open card with them and would be approved for this promotion, and only then, I will get a temporary card number for buying Delta, s tickets and would get {$150.00} bonus, after I paid for Delta, s tickets with temporary card. And I was approved, got temporary card number, bought tickets, but received bill for entire amount. When I called to Delta and told them about promotion, I was denied base on I had a while ago their card. I might have it, not sure, but while on ship buying tickets on on my I pod, I did not see any mention of any restriction, only affirmation : if you being approved for promotion, and only then, you will get temporary card number to buy tickets right away. I could use XXXX and get cheaper tickets but Delta won my business with this promotion.Please help me, as a XXXX person, {$150.00} means a lot and it is not nice to lie about promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi About 2 months ago ( XXXX ) I received an email from a company representative at PennyMac requesting additional information in regards to a loan that had already closed months ago. The email requested additional information regarding my tax. 



That email was sent insecurely and my private tax document ( XXXX ) was attached to that email without any kind of protection. There was no password or encryption on the tax document. My private data was exposed to an insecure web email ( XXXX ). 



The company has violated my privacy and has exposed me to years of possible identity theft and many other criminal activities. 



I have tried for over 2 months to get the company to accept responsibility and provide me with compensation and identity monitoring. The company has refused to acknowledge this incident has occurred and has no plans to remedy this situation.
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. 

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

I pulled up my credit report and saw a credit inquiry on my Equifax, I never did business or have credit with the company on the inquiry. This is the following inquiry : XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Merchants ADJ Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card or prepaid card

In XXXX I accidentally made my CITI VISA payment to CITI MasterCard. I realized what happen when I saw a late charge on my CITI Visa account. I immediately paid CITI Visa the {$1200.00}, then called them to explain what happen and that they would receive the payment in 2 days. I was not concerned I had made an extra payment to CITI MasterCard. Without my consent or knowledge the CITI customer service rep transferred the {$1200.00} from my CITI MasterCard account to my CITI Visa account. 
When I received my CITI MasterCard statement, it did not make any sense. When I called their customer service I was told the money had been transferred back to my bank, but they didnt know why. This turned out not to be true. The second call I was told it had been transferred to my CITI Visa account. I spent three hours between calls and going over all my accounts for verification since I could never get an honest answer from anyone. I do not have a problem how my accounts currently stand, just a problem how and why it was done.

I now owe CITI MasterCard the {$1200.00} they removed from my account, and I have a credit on my CITI Visa. It is disturbing to me that one CITI customer service call center handles all CITI bankcard accounts, they can make any changes to a customers account, and they are located in XXXX. 

CITI Double Cash Card XXXX CITI Visa
Product: Checking or savings account

I am writing to file a complaint regarding an unfulfilled promotional offer from Citibank related to my Citi XXXX XXXX XXXX Account, which I opened on XX/XX/XXXX. The account was opened under a promotional offer stating that I would receive XXXX XXXX  miles upon meeting specific conditions. 

As per the terms of the promotion, I deposited {$10000.00} into the account and maintained the required balance for 60 days, completing the terms of the offer by XX/XX/XXXX. According to the promotional agreement, the bonus miles were to be credited to my account by XX/XX/XXXX. However, as of today, the bonus miles have not been credited to my account. 

I have made multiple attempts to resolve this issue directly with Citibank, but the matter remains unresolved. I believe this delay violates the terms of the promotional offer and has caused me undue inconvenience. 

I request your assistance in resolving this matter and ensuring that Citibank fulfills the promised bonus miles as per the agreed terms. I am happy to provide any additional documentation or information required to support my complaint. 

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

Please Remove These Accounts and Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have received multiple XXXX  threats on myself and my family if I did not pay off my {$300.00} balance. I reached out to the company to let them know that they just threaten me, I got no email or call instead they reported something on my credit. 

I paid off my balance in full, I dont want to XXXX over {$300.00} and neither does my family. I have requested to have my account closed permanently and asked for no communication from them going forward.
Product: Mortgage

My loan officer requested a Pay off for the existing Shellpoint Mortgage. Upon receipt, there was an error with the payoff. The company included a {$7500.00} prepayment penalty. I contacted Shellpoint Mortgage on XX/XX/2019. I called at XXXX XXXX  and spoke with a representative who then put me on hold for 134 minutes and then the call was disconnected. I called back at XXXX and after a few minutes was transferred to a supervisor, a XXXX XXXX. I told them that I had documents that proved the prepay was for 20 % and that it expired 9 months ago. He said that Shellpoint did not have a copy of the loan documents. He said it would take at least 30 days to get them. He said he would order a copy. 

I called back on XX/XX/XXXX at approximately XXXX with a conference call with my mortgage broker in an attempt to get an update on the corrected pay off. XXXX XXXX, the representative stated that the original signed loan documents needed had not been ordered. I asked to be transferred to a supervisor and for some reason the request was denied. 

It's pretty clear that Shellpoint is not interested in servicing the loan. How can you service a loan without the loan documents? Further, the prepayment penalty was for much more than the 20 % even if it was still in effect ... more like 24 %. 

I was able to call the originator of the loan and get a copy of the signed documents in 20 minutes. 

I got the copy of the documents and called Shellpoint again to find out where they should be emailed. At that time I spoke with a XXXX XXXX, another Shellpoint representative. At that time ( XXXX ), I was told that the loan documents had been located ( magically after 2 hours ) and the prepayment had in fact expired. XXXX stated that it would take an additional 3 days to get an updated pay off but that I would receive it by Thursday. 

Additionally, Shellpoint increase my escrow impound account by {$250.00} this year with little explanation ... fortunately, I caught the increase in time so that I would not have a late pay on my credit report. I suspect that this is one of Shellpoint 's tactics for keeping mortagagees in their high interest loans. My Shellpoint loan is at 6 % interest only and my new rate is 2.5 %
Product: Credit reporting or other personal consumer reports

I have multiple inquires to credit unions and other lending entities on or around XX/XX/2023 and ending on XX/XX/2023. I have disputed these inquiries and the bureaus refuse to remove these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for these loans and want them removed from my bureaus. 

thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not reliable for any transactions made by the accounts listed below nor have I ever done business with these companies. These were due to identity fraud/theft and legally must be removed per 15USSC 1681B. As shown on XXXX, Transunion has knowingly reported false and wrong information and it's ILLEGAL and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit card or prepaid card

This is a follow up for closed complaint # XXXX New evidence has been publicized affirming XXXX XXXX predatory practices regarding luggage charges. 

Request full refund of {$99.00} for these charges from credit card Bank of America which sided with XXXX XXXX and refused give credit. 

Details : XXXX XXXX charged for luggage that complies and meets XXXX 's luggage policies and fits under the seat. 

On XX/XX/ a charge of {$99.00} was made for a bag that complies with policy as stated above in a last minute boarding the airplane. 

Employee denied boarding the airplane if this fee of {$99.00} was not paid. As the boarding was rushed, it appears the bag got snagged on the verification box at the gate and immediately the employee sent my wife to the counter without say in a disrespectful manner to pay. The employee at the counter was in the same mood and no option do dialogue and fix the situation. 

XXXX claims I boarded the airplane and that I paid for services that were rendered. Its very dishonest to charge customers for services not provided since the luggage meets their policies.
Product: Debt collection

I received a debt collection notice from " Credit Collection Services '' on XX/XX/20. CCS is the debt collector for XXXX XXXX. XXXX claims that I owe them {$150.00}. I do not owe them anything whatsoever. 

I tried to contact XXXX via the phone XXXX XXXX XXXX. This was a complete waste of time - I could not get a human on the phone. There are endless telephone prompts asking me for personal information, account information. I don't have an account, so nothing will populate on their end. 

I also tried the online chat feature - I ran into loop after loop of the same questions, all of them redirecting me to login to solve my problem. I don't have an account, how can I login? Absurd. If they had humans answer the phone then I wouldn't need to go through this website. 

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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were opened or reported without my knowledge or consent, likely due to identity theft stemming from a data breach. As such, I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these items removed immediately. 
Accounts to Block and Delete XXXX XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$76.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$1500.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$1300.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$950.00} XXXX XXXX XXXX  XXXX - Account Number : XXXX - Date : XXXX - Amount : {$7300.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX XXXX - Amount : {$520.00} XXXX. XXXX - Account XXXX : XXXX - Date : XXXX - Amount : {$0.00} XXXX. XXXX  - Account XXXX : XXXX - Date : XXXX - Amount : {$0.00} XXXX. XXXX - Account XXXX : XXXX - Date : XXXX XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XXXX - Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

" I am writing to dispute accounts on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORT to section ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNTS 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

On XXXX XX/XX/XXXX- Experian issued a response to my dispute In Re : Report number XXXX. In review of Experian 's findings it states that it has " validated '' all accounts in dispute with the credit furnishers with respect to the " XXXX  XXXX Bankruptcy '' account status showing on the disputed items as well as on several other accounts on my credit report. 

Starting in XXXX of XXXX, I disputed my credit file with Experian, and provided them with a XXXX XXXX XXXXXXXX XXXX letter. of incarceration, demonstrating that the time in which all the accounts alledged to have been included in the XXXX XXXX Bankruptcy was impossible due to me being incarcerated. 

Additionally, a letter was provided to Experian demonstrating that the US Bankruptcy Court in my District has NO record of a Bankruptcy Filing with my information on it. This information was provided to Experian, in which they removed the " Bankruptcy '' from their report, however are still allowing over 30 items to show a status referencing a " Bankruptcy '' on closed accounts. 

Under the Fair Credit Reporting Act - Experian is violating its own policies and FCRA as it does not " Show a XXXX  XXXX '' bankruptcy ( see report dated XXXX XX/XX/XXXX ) but is allowing furnishers to report the XXXX  XXXX Bankruptcy, additionally, Experian is causing Harm to me as it shows in its Comments " Serious Deragotry " and XXXX XXXX Bankruptcy, however when you scroll to the Public Information " Section '' of the report there is No report of a Bankruptcy. I have provided Experian with the opportunity to correct this issue over the last 6 months and its has failed to do so. 

Experian can not Validate the information - and removed it from its reporting, but is still allowing XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO report a Bankruptcy Filing in the comments section of each of the reported items. When in fact NO BANKRUPTCY belonging to me exists.
Product: Credit reporting or other personal consumer reports

I checked my credit report because my score kept fluctuating and Jefferson capital put a debt I do not owe on my report. I havent done business with XXXX in over XXXX years because the cell towers at the time provided poor to no service in the rural areas, so I switched providers and notified the company way back then. I disputed the information with XXXX XXXX XXXX and jefferson Capital did not remove the information, which violates my fair credit reporting right. I am tired of this company always putting something on my report that. Causes my score to decrease when I pay my bills.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE ACCOUNT HAVE VIOLATED MY RIGHTS 5 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. 16815-2 ( 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.