23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, 2024, I received an email from Goldman Sachs/ Apple Card notifying me that they were committing an Adverse Action upon me by lowering my Credit limit from XXXX $ to XXXX $ in violation of 15 USC 1681 a ( 2 ) k, for no other reason than information they illegally obtained without my written consent from XXXX XXXX who illegally violated 15 USC 1681b ( 2 ) by reporting harmful information upon myself and my person without my written consent and instruction. I called both Apple and XXXX XXXX and got no help.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681c2, " 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, not later than 4 business days after the date of receipt. On XXXX XXXX XXXX I identified the following accounts as a result of identity theft, and these accounts remain on my credit file. You are in direct violation of the FCRA. This is my 2nd demand for removal. If not corrected, the next step will be legal action. Remove and block the following accounts : - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX B XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Mortgage

I am writing in my complaint because I feel my bank does not want to review my file for a loan modification and is going to sell my property next Tuesday, XXXX XXXX. I was given the excuse that they needed 38 days to review the file which I find a little extreme because I did not even receive a legal notice that they home was going to be sold. I submitted a package on Wednesday XXXX XXXX which gave SLS 14 days to review my financial information. I also own other properties and have modified my other homes and neither of the servicers needed a package 38 days before a sale date. I am now on the brinks of losing my property because I will not be given a fair chance of having my file reviewed.
Product: Credit reporting, credit repair services, 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 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 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

chase bank close my credit card account for no reason, then reported it to my credit report. They never reach out to me to let me know they was closing the account.

I have a balance of {$29000.00}. I am willing to pay the balance but I want it removed off my credit report. It is a business credit card it should not be reporting on my personal credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}
Product: Credit card or prepaid card

Dear CFPB I am writing this letter to complain that XXXX credit cards treat users differently when credit cards are stolen and user information is stolen. 

Recently, many users ' XXXX credit cards have been stolen, and their user information has been stolen. I also experienced the same thing, and immediately replaced it with a new card. 

For this incident, XXXX compensated the user by paying XXXX points to keep the user, but I experienced the same thing, but did not receive the compensation notice. I have contacted XXXX customer service and they said they are not aware of this. 

hope help i want compensation back
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$5100.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, 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 XXXXXXXX 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: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts theyre hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX )
Product: Debt collection

Comenity Bank has been harassing me multiple times per day several days in a row. I receive numbers from New Mexico, From XXXX, Utah, XXXX, CO, XXXX, OH an Unknown Caller, and No caller ID. They ALL lead back to Comenity Bank. I want this harassment to stop immediately. It's taking a toll on my family, and it beginning to give me terrible XXXX, My husband and I have had XXXX this past week and it never stopped. I don't understand how this company gets away with calling people like this. I have rights and I deserve to be left alone. I can give proof in the form of screen captures on my call phone of exactly when, how, and where they call.
Product: Other financial service

I was charged {$170.00} for no reason. Five months ago I paid over {$500.00} for their services which yielded nothing for my, or my husband 's, credit scores. I was given no warning of the charges and now I ca n't make a my car payment. I 've left a voicemail and have n't received any word back.
Product: Debt collection

I have received multiple calls every day from Sequium. This is stemming from a XXXX account that was cancelled over a year ago. All my equipment was returned and my final balance was paid off. 

They are harassing me during my work hours. Several of the agents have been extremely rude. 

I don't owe this debt and don't deserve to be harassed in this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the choices were applicable. But I am trying to get a mortgage and the underwriters are asking for a letter from Synchrony bank stating that the balance shown on my report is actually not owed but was forgiven because we did a settlement. I have called synchrony multiple times and they keep telling me they can not give me a letter. I dont know what to do.
Product: Credit card or prepaid card

I used to have an account with Barclay. Due to oversea traveling, I failed to pay a small balance on the card. Barclay closed my account, and added a huge amount of fee into it. On XX/XX/2017, I was able to talk with a Barclay representative, and he told me that he can waived some of the fee, and the total I owned & need to pay off the account is XXXX. That was taken out of my XXXX XXXX XXXX checking account that Barclay has on file on the same day.

Fast forwarding to now, I got email from Barclay saying that I owned {$390.00} on the closed account. I called in, and the nice representative explained to me that the balance was never paid off. She was able to get $ 100+ fee off the account, and I paid $ 200+ to close the account. 

As I was made to believed that the account is closed and paid off in XX/XX/2017, and as most of these charge are fees on top of fees, I believe the fees are excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I received stated saying I was affected with the equifax data breach. None contacted me. 
I have suffered financial losses because of my data. This did damage to my credit, cost of credit monitoring and emotional distress.
Product: Mortgage

1. I lost my job for over a year. 
2. I contacted my mortgage company ( Wells Fargo ) for assistance in case I ran out of money to pay. ( Although I still could from savings. ) 3. They told me to stop paying and sign a forbearance agreement. ( I did as instructed. ) 4. I got another job and brought my account 100 % up to date. 
5. They penalized me and reported me to the credit bureau for non-payment, even though I made all the payments they requested and on time per the forbearance agreement.
Product: Debt collection

Upon searching whether this company is licensed to collect a debt in Louisiana and they are not. They are listing XXXX collections on my credit report
Product: Mortgage

In XX/XX/XXXX, we contacted our mortgage company. Roundpoint Mortgage Servicing to advise them that we have a tax abatement with the purchase of our property which was supposed to take effect as of XX/XX/XXXX however it had not reflected in our payment. The associate told us we needed tax documents from our township which we provided in 2 business days to them and confirmed it was received. We were told at that time that they would do a escrow study and make an adjustment to our payment and we would see the adjustment in our XX/XX/XXXX payment and within two weeks begin processing our refund which at this time was approximately {$5000.00}. Two weeks passed and we did not see any adjustment to our mortgage payment. We called roundpoint a third time and was told that for some reason the escrow study was not yet done but would be done then and finished before our XX/XX/XXXX payment came due. We also asked at that time to speak with a supervisor but was told one was not available but someone would call back. We never received a callback. Two weeks after that, we call again. We ask for a supervisor immediately and were given the run around. In the meantime while waiting for a supervisor, the associate advised us he would expedite the escrow study ( which still was not completed ) and to not make our XX/XX/XXXX payment until it was adjusted to reflect the tax abatement by XX/XX/XXXX, We were also told that someone would call us with the results of the new payment information and results of our escrow overpayment which now is over {$6000.00}. We waited until XX/XX/XXXX and have not heard anything. We contacted Roundpoint again today and spoke to a XXXX who stated that our escrow study was still not completed and asked for a supervisor. We were continually told that one was not available and we have been on hold for almost 3 hours with no resolution. They have still not told us when we would receive our escrow overpayment or make the correct adjustment to our mortgage payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX 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  .... Balance : {$1000.00} ; XXXX XXXX XXXX XXXX. Balance : {$360.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXX Balance : {$97.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$2000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$710.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX : XX/XX/XXXX ; XXXX XXXX : XX/XX/XXXX ; XXXX # XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXX account number is XXXX. 
In accordance with Fair Credit Reporting Act XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit card or prepaid card

On XX/XX/2021, I used my American Express card to purchase two tickets on XXXX for XXXX XXXX XXXX. The tickets were my my wife and I. We planned to travel to XXXX during the XXXX week. We paid {$830.00} for each airline ticket. The tickets were not refundable. When we purchased the tickets, the schedule called for us to depart XXXX XXXX, California on XX/XX/2021 and arrive in XXXX, XXXX on XX/XX/2021. On XX/XX/2021, we were scheduled to depart XXXX, XXXX and return to XXXX XXXX, California on the same day. On XX/XX/2021, I received an email from XXXX advising me that XXXX XXXX XXXX unilaterally changed my flight schedule. Instead of leaving on XX/XX/2021. The new schedule called for me to depart XXXX XXXX on XX/XX/2021. In addition, I would not arrive in XXXX XXXX until XX/XX/2021 as a result of a nearly 24 hour layoffer in XXXX, XXXX. XXXX XXXX XXXX also changed my return flight date leaving from XXXX, XXXX on XX/XX/2021 to XX/XX/2021. XXXX requested that I approve the change. I declined the schedule change and I received an email from XXXX telling me that I would receive a refund. When I did not receive a refund from XXXX, I contacted, American Express to dispute the charges for the airline tickets. I also contacted XXXX. On XX/XX/2021, I received a letter from American Express refusing to credit me account. I called American Express and I was told they would not remove the charges for the airline tickets. According to the U.S. Department of Transportation, I am entitled to a refund if the airline made a significant schedule change. In this case, I believe that XXXX XXXX XXXX made a significant schedule change to my iternary and as a result, I am entitled to a refund of the purchase prices. I have not been offered a refund by XXXX or credits for the fees that I paid. I would like American Express to refund me the fees that I paid for the two airline tickets on XXXX XXXX XXXX. I also believe that I was fraudulently induced by XXXX and XXXX XXXX XXXX to buy tickets that never existed and XXXX and XXXX XXXX XXXX intended to change the tickets to completely unusuable tickets and not issue to me refunds.
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. 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/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

On XX/XX/XXXX I applied for American Express XXXX XXXX XXXX credit card. They promotion they were advertising at the time was if you spend {$2000.00} in within the first 3 months you will receive XXXX bonus miles and if you spend and addiontal {$1000.00} within 6 months you will get an additional XXXX miles which would equal XXXX miles altogether. Also if you make a XXXX purchase you will get a {$50.00} statement credit. This promotion expired on XX/XX/XXXX. 
My first statement was cut in XX/XX/XXXX and I saw the I was given XXXX bonus miles before I spent {$2000.00}. I called XXXX to find out why I was given these miles and to find out more information in regards to how the program worked. He explained to me that I was under the promotion if I spend {$1000.00} in the first 3 months I would get XXXX miles. I explained to him that was not the promotion when I applied and explained the miles my account is supposed to be under. He told me he does not see anything about that promotion for my account and asked if I have proof about the promotion? How are you asking me if I have proof? I would think XXXX would keep track of these programs and apply them accordingly to each customer that qualifies. When I received my credit card there no documentation of the promotion. 
After going back and forth he told me that an investigation would need to be opened to find out the issue. I have read online that numerous customers have had this issue and kept giving them the run around about opening a investigation and that it should be completed in 6-8 weeks, they have stated they are still waiting on their miles after 1 year of the initial investigation. 
I have already reached the {$2000.00} limit and I would like my account to be put under that promotion and receive everything the promotion stated.