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

I applied for an extension of credit on XX/XX/2022 and received an adverse action letter stating I was denied. 
American Express stated in the attached letter the reasons for their decision was based on items that were on my XXXX credit report. I did not give them written permission for them to access my credit report. Company procedure does not supersede federal law. This is a direct violation of my rights as a consumer. 15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 USC 1602 ( p ) makes it clear that they committed fraud and used my credit card ( social security card ) without my authority and I received no benefit. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.
Product: Credit reporting or other personal consumer reports

This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and incovenience as it has impacted my ability to secure credit approvals.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions/consent.

15 USC 1666B : A creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have previously reported this account several times I have previously disputed this account several times the last time I did dispute by mail I did not receive a response I disputed again online and now I can see a dispute underway. This account is only {$280.00}, I would pay it, but it really is not mine and I am not responsible for it. Please help me with this account thank you so much.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I dont recognize these lenders, and I dont remember authorizing them to perform a hard inquiry on my credit report. Please remove all of these unauthorized inquiries immediately.
Product: Checking or savings account

From XX/XX/XXXX through XX/XX/XXXX My debit card from Key Bank was fraudulently used by another party. He is a XXXX yr old XXXX name XXXX XXXX. He got my information from stealing it. I have a recording of him admitting he stole the information. I closed the card and filed a complaint with the XXXX XXXX Ohio Sherriffs Dept. I spoke to the fraud department with my bank and provided them with all the information. Key bank initially refunded me and then all of a sudden recently reversed the charges which put me in the negative {$1800.00}. I immediately called the fraud department back and asked what this was about. I was told that there was conflicting information. I said what conflicting information? I was then told that I said I had never used XXXX XXXX ( which there are unauthorized charges from XXXX XXXX ) but I in fact had. I got a bit irate because I NEVER said that. I specifically told the rep at the time which was mine and which wasn't. I refuse to be held accountable for this. I did everything I was supposed to do. This was NOT my fault but yet I'm being treated like the XXXX Something has to be done about this. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I provided XXXX XXXX XXXX XXXX XXXX with all of the information needed to have me removed from the VA mortgage, as it was fully assumed by my husband. The original balance was {$220000.00}. The monthly payment was {$1400.00}. Instead of removing my name from the loan, XXXX XXXX XXXX XXXX XXXX reported that I opened a new mortgage on XX/XX/XXXX with the amount of {$220000.00}. I spoke with XXXX XXXX XXXX XXXX XXXX on multiple occasions to let them know that instead of removing my name from the mortgage, they reported that I opened a new mortgage. XXXX XXXX XXXX XXXX XXXX stated that they reported to the 3 credit bureaus that the account was closed. They also stated that the did not report that a new mortgage was opened. I was told by XXXX XXXX XXXX  that I needed to dispute this with all 3 credit bureaus. I disputed the information that a new mortgage was opened in XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX reported to the bureaus that the account was closed on XX/XX/XXXX. All of this information is incorrect. The account on my credit report shows XXXX XXXX XXXX with a number under the name stated as XXXX. This has reflected poorly on my credit report. It looks as if I opened a new mortgage with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and then closed it in XX/XX/XXXX. They were only supposed to remove my name from the loan. Instead of that, they created a new account in XX/XX/XXXX and then closed it in XX/XX/XXXX. Please remove this fraudulent account from my credit report.
Product: Credit reporting

This does not fit this category but is related. When refinancing my mortgage 9 months ago, I could not get the lowest rate due to multiple inquiries by a Auto Dealer ( XXXX XXXX 's XXXX XXXX ) that ran my credit report XXXX time for XXXX transaction. Since then I signed up for XXXX XXXX to monitor my credit score. My mortgage broken called and ask if I would like to re-finance again as now my credit score is higher and I cab get a better rate. From XXXX XXXX and my XXXX XXXX I knew credit score had improved. As of XXXX/XXXX/15 XXXX reported : TransUnion XXXX, XXXX XXXX and XXXX XXXX ( TransUnion ) XXXX. The notice from the mortgage broker listed my scores as XXXX XXXX, TransUnion XXXX and XXXX XXXX. 
Why are my scores different based on who is inquiring? A score is a score and should be the same no matter who inquires. I believe there is an unjust manipulation occurring. Also the reason for my credit score are also reported differently.I have too much available credit, but my outstanding balance to my available credit ratio is too high. If I reduce the amount of available credit, it impacts my outstanding balance to available credit ratio will increase. I have a derogatory public record or collection filed on my report. This was due to a medical bill that I was paying to the provider over a number of months. I was making payments, but they sent the account to collections. The collection company would not send monthly statements ( they do n't send monthly statement ), so I refused to pay until they did, they did and I have been making payments. I disputed with all XXXX credit reporting companies, only XXXX granted the request and has removed the dispute from my report, thus the higher score from XXXX. I do n't mind playing the credit score game, but the rules need to be fair and consistent.
Product: Checking or savings account

I have been requesting updates for some transactions that were not approved by myself on my account for two weeks now with the same runaround. Experian smart money debit card. Agents asked me to repeat myself 10 times for the agent that Im asking for that. Left me a voicemail, I faxed over the paperwork they requested and they keep saying they didnt get it well another agent says they have received it. They are charging me {$99.00} for a subscription. I know for sure that I have never signed up for also, I had to practically more than a dozen times to get them to cancel a subscription that I never signed up for the past for XXXX a month that they said that they kept, insisting on charging my card. Now all I want is my money back into my account so I can hurry up and close this account. I want nothing to do with them. They claim both this and boost that and its all a bunch of fraud if you ask me Somebody please help the transaction question are over {$250.00} I believe in which some of the companies have contacting them and said they released credit to experience smart money debit card and Experian is acting as if nothing or theres no would have to wait. They sent me the paperwork. I filed the dispute on XX/XX/XXXX, they sent the paperwork attend limit to return the paperwork to get a credit on my account of the funds. I didnt get the paperwork until XXXX XXXX and they said 10 days from XX/XX/XXXX how does that makes sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt. from a health care company turned over to collections with XXXX XXXX XXXX. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX  agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both Equifax and XXXX  refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been spending about {$8000.00} on my Chase credit cards per month for 2 years so there is sufficient transaction history to see my patterns. On XX/XX/2020, I received an email about a declined transaction asking me if I recognize the charge. It had a " Yes '' or " No '' choice and I clicked " No ''. I logged into my account and saw there were 29 unauthorized charges. I also determined that my card was lost or stolen. I locked the card and tried to dispute the charges online but it would not let me. I had to call. While on hold, the message tells me to dispute online but I could not. I finally reached a live agent and explained what the last recognized charge was. That was not acceptable. I had to go through all 29 charges one by one and state they were unauthorized. A few days later, the charges were credited and a new card was received. The former card has not been found. 

On XX/XX/2020, the 29 unauthorized charges showed up again on the replacement card. I thought it was a mistake and would be fixed the next day. It was not. I called Customer Service on XX/XX/2020 and was transferred to the Security Department. The Security Department told me there is nothing they can do and I have to speak to the Recovery Department. I asked to speak to the Recovery Department and I was told they are not taking calls and I have to email them. I emailed on XX/XX/2020 asking for a call and got an automatic reply stating, " Thank you for your email. We will call you if we need more information. '' I still have not been contacted. I also was never told what investigation was conducted, what the outcome of the investigation was, what the basis is for rebilling the charges to me, nor was I given an opportunity to reiterate the facts of the case. 

I realize the last 4 digits of the card in the attachments do not match but that is because the credit card number changed. It's not that I am confused about which card I am having issues with.
Product: Credit reporting or other personal consumer reports

According to 15u.s. code 1681 ( b ) 2 and FCRA section 60 5 b, XXXX, XXXX, and XXXX are reporting my credit report without my permission.
Product: Debt collection

I submitted identity theft police report for Victoria secret {$940.00}. The account doesnt belong to me. I am a victim of identity theft. I have never had an account with this company.
Product: Credit reporting or other personal consumer reports

I cant believe it, but today I found accounts on my credit report that arent mine, and I have no clue how they got there. I check my credit regularly, and everything has been fine until now. I thought maybe it was a browser issue, so I refreshed, but that didnt help at all. These inaccurate accounts are still there, and its really frustrating. I just want everything checked properly so I can stop worrying about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I, XXXX XXXX have contacted the fraud department of Transunion and XXXX several times through mail and by phone in XX/XX/2023 to request the immediate removal of two unauthorized inquires. Furthermore these inquires aren't connected to any of my items on my credit report so it is very concerning to me. I am anxious to begin the process of buying me and my families first home soon, but these unauthorized inquires are hindering my ability to be appealing to lenders yet alone qualify for the best, competitive rates and mortgage opportunities.
Product: Checking or savings account

I noticed my Chase account had been charged {$16.00} for an Amazon XXXX account for the last 17 months. I didnt notice initially cause I thought it was our Amazon account but my husband informed me that he pays for our Amazon account with his credit card not our debit account. I contacted Amazon for more information and found out it isnt our account at all but I was being charged for it. We checked if friends or family use the account but nothing. I contacted chase and let them know what I discovered. They made claims for all of the money that was taken fraudulently. They informed me today that they wouldnt be returning my money because it was over 60 days old. They would only return 3 payments. I would like the rest of the money that was stolen from my account ; {$220.00}.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX credit cards opened in my name that I did not know of, this is affecting my credit report because it is incorrect information that is being used. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone bought a car under my name and there was lots of inquiries under my credit report now I have invalid debt on my report showing XX/XX/2021 2021
Product: Credit card or prepaid card

I logged on to citibank to make my XX/XX/XXXX payment. When making my payment I noticed that my min payment was higher than my XXXX min payment. This didn't make sense to me as my principal balance should be going down and my min payment should be less than. 

I logged into my statement and was shocked to learn that my interest rate is at 7 % - When I applied for the promotion offer it was at 1.99 % and this rate was do to expire in XXXX. 

Please explain in writing and in writing only why my rate is higher than I was offered along with my min payment going up every month. 

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

Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report with fraudulent activity and now am continuing to still see fraudulent inquiries. This is very upsetting, please remove these inquiries from my credit report within 4 business days. 





Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX  XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX INCINQUIRY DATE : XX/XX/2023 XXXX
Product: Credit card

I have XXXX business credit card services with Chase bank. The XXXX is Chase Bank improperly reporting late payments to my personal credit line dropping my credit score severely. This is suppose to go on my Business Credit line not personal and is a form of abuse which is a clear violation of my FCRA Rights. 


Businesses are XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries, and recently checked my report and noticed some inaccurate accounts reporting.
Product: Debt collection

This company has recently tried contacting me again and again regarding a debt that I do n't even know about. I have settled alllllll of my payments with my cellular company and however they dispersed the funds is their business. Recently I disputed this account with the credit bureaus and it came back verified and they even re-aged it and said I owed a balance and that nothing was ever paid. I am utterly confused by this companies tactics and would like them investigated please. This account is so old I have no paperwork to provide They have passed the statue of limitations in everyday to report to my XXXX credit reports or to connect or attempt to collect anything from any one in my family. They even spoke to my mother, while asking for me, and she was utterly confused. Please make them go away and have them remove their account # XXXX from my credit reports immediately. I will pursue litigation if necessary, they are very aggressive. I have settled all payments I have ever had and they have recently contacted me again, I believe them to be attempting to re-collect a debt in full again. I am not sure. They have no right calling me and leaving me automated voicemails on my cellular. I do not know who this company is and I would like them investigated for harassing me. II have read the websites and have heard horror stories of this company and now I am a victim over a few hundred bucks. This account is false and illegal placed on my records. have not had any debt issues over seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts under my name that are reporting INACCURATE and UNAUTHORIZED inquiries that are violating my FCRA rights. I already files a proper documentation regarding these accounts and I have attach documents for these accounts I am complaining.
Product: Mortgage

I applied for a forebearance under the CARES Act with my mortgage company, XXXX XXXX. I was granted the forebearance but began to assess late charges and receiving notices. When I contacted the company in XXXX after receiving multiple letters stating that my loan was late and that I needed to pay the full amount immediately. I was treated really poorly by the representative with XXXX who basically told me that I was going to have to pay all of the money {$6200.00} on XX/XX/XXXX or I was going to lose my house. I tried to ask about the details which I understood was that I could either tack those payments from the forebearance to the end of my mortgage or spread it out over time. I was told NO. 

I did not lose my job but our finances were impacted due to the fact that my fiance who is XXXX XXXX had a loss in wages. With all the uncertainty and the struggle we were in we thought this would give us some respite. 

I feel like my home is under threat and I am terrified of losing it. I went ahead and paid out all the money I had including all of the stimulus check to try and get caught up. In addition, I feel like I was bullied due to the fact that I have an FHA loan on a mobile home and they felt since I am poor they could get away with treating me badly. I asked to speak to a supervisor and was put on hold for an hour before speaking to a woman who wasn't as rude but told me basically the same thing - that on XX/XX/XXXX the total amount of the deference was going to be due. As of today XX/XX/21 I am current up to XX/XX/XXXX - I still owe for XXXX and have been so scared of losing my home that I put off all other bills despite having a forebearance. 

I feel like XXXX XXXX has been punitive with me - they have showed no compassion - and treated my family badly. We really need/ed that forebearance but have been unable to utilize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX