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

I requested a lower APR/Interest rate in XX/XX/XXXX. I received a generic response to my last CFPB complaint I submitted on this topic stating that APR was based on credit history and scores. I have over a 750 credit score and 100 % on time payments ; the reasoning provided in AMEx 's form letter was not responsive to my individual situation or request.

I started to email corporate requesting a specific reason why I was being denied a lower APR in XX/XX/XXXX. I was told to wait for a response several times, then I was told that a lower APR was available for my account, but I HAD TO CALL AND SPEAK TO SOMEONE ON THE PHONE IN ORDER FOR AMEX TO APPLY THE LOWER APR RATE TO MY ACCOUNT. AMEX claims that this is for security reasons that I must call.

I was told by the 'executive assistant ' if I would not call, that they would not apply the lower APR and they also would not respond to anymore emails. AMEX has been unresponsive to my requests to apply the lower APR for over 10 business days, despite my repeated requests to apply the lower APR to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account that was reported on my XXXX  profile is inaccurate since I do not have the address at the time the service. I ask also do not receive any correspondence from Sunrise credit service about the money. 
I want Sunrise credit services to delete this frivolous charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. Please provide proof from the court of this public record. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit card or prepaid card

On  XXXX   XXXX , I received a promotional offer in the mail from Navy Federal Credit Uni on ( NFCU ). It stated  that if I opened a  Go Re wards Credit Card account I could get a 2.99 % interest rate on balance transfers with no balance transfer fees. It directed me to  apply at www.navyfederal.org/go299. A fter I applied, had my credit checked, and requested to transfer my balance, I received their disclosures in the mail which said the interest rate on balance transfers was 10.24 %. I called  NFCU  to find out if 10.24 % was the balance transfer interest rate and I was told it is and that they had no knowledge of any 2.99 % promotional offer.
Product: Credit reporting or other personal consumer reports

In accordance with the fair 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 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may take 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: Prepaid card

On XX/XX/2024, I opened my cash app to use my card and discovered that my account was closed unexpectedly. I contacted support through the app, and I asked them why my account was closed, they told me they could not disclose that information. On the same day, I made a new cash app account and ordered a new card to go with the account and today, XXXX XXXX, I opened my cash app and once again my account was closed. I called contact support and was again given the same response when my first account was closed. They told me that I had to appeal to reopen my account without them disclosing the reason why they ( Cash App ) closed my account.
Product: Mortgage

I still have not received requested original loan origination documents regarding the letter I wrote on XX/XX/XXXX to Wells Fargo. My letter was in full detail in regards to the documents that I requested as well as notarized and proof of services as well sent to Wells Fargo. I ; m again requesting all documents and, original check payments made by me from XXXX to XXXX as well as all original loan documents. As well as the actual lender of the VA home mortgage loan There are several discrepancy 's and deceptive mortgage practices and fraudulent activity regarding my mortgage that has been discovered. 

Another thing I want to point out is that my last complaint to the CFPB, Wells Fargo stated that they needed to talk to Mr. XXXX the attorney on the foreclosure case that Wells Fargo dismissed and then release the mortgage to me. However Mr. XXXX was my attorney on the case. Wells Fargo had there own attorneys who were XXXX, and XXXX who stated I was the owner of the home free and clear. Then later a different story emerged as to the home ownership of my home. The fact that Wells Fargo needed to speak to my attorney Mr. XXXX first before responding back to my Consumer Financial Protection Bureau complaint back in XX/XX/XXXX is very strange to say the least. Meaning that something happened, or a deal was made with my then attorney Mr. XXXX and Wells Fargo that i'm not aware of as to what it was. As well as to corroborate whatever story or deal that was made regarding home ownership. I'm also requesting Wells Fargo to state who is the owner of the home. Meaning is it me or someone else.
Product: Credit reporting or other personal consumer reports

This 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 has violated my rights. 

I looked at my XXXX credit report on XXXX 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 15 USC 1681s-2 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.
Product: Prepaid card

My account was closed with Regions bank and I was supposed to receive a cashier 's check for {$7500.00}. I never received it, and I have attempted multiple times to contact Regions and have visited the local branch with no explanation to where is the check with my remaining funds.
Product: Money transfer, virtual currency, or money service

I have a Venmo account, and in XX/XX/year>. I feel victim to a money mule scam and sent funds to an external account from funds produced from a fake check. I tried to explain to Venmo the reason for my transfers but instead i received a email from venmo instead that my account was permanently suspended from multiple violations of their privacy policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me. See attached identity theft report
Product: Checking or savings account

Chime.com. I received multiple emails from Chime yesterday indicating I had opened an account, set up direct deposit, and then had rejections on two charges of {$2500.00}. The address and phone number associated with the account were not mine. 

I called the number on the chime.com website to report the fraudulent activity. They asked for my name and either last 4 of SSN or DOB ). I gave my last 4. 

After putting me on hold for a minute, she said they found the " fraudulent account '' and closed it, but needed my email address to send me the confirmation. 

I told them they have my email address already, since they have sent me multiple emails. She said " all I can see is the information you gave me '' ( name and last 4 ). I asked for any other information at all so I could verify they actually have my account info, she said no. I asked if she has my DOB, she said no. I said, is there anyone in your organization who can see my account information beyond what I gave you? She said no, no one can see that. 

I told her that anyone I give my email to could send me an email, but a true confirmation email would come from someone who already has my account into and email address. 

I have no confidence whatsoever, that this is even a legitimate support center, that this account was actually opened, or whether it's closed. I found similar experiences posted in online forums.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had sent letter a letter requesting removing a charge off! under! the statute of limitions for the the state of oregon which 6 years! the charge off was with us bank in XXXX XXXX XXXX under 15 us code 1681d us must remove the charge off!
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 XXXXccount XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX  Account XXXX Account Name : 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 card

My husband was recently approved for a new Citibank credit card ( for Costco ). We keep our finances separate for personal reasons, so he encouraged me to apply for one. I was turned down, solely for the reason of having an old bankruptcy on my credit. I believe this is gender discrimination because he has the exact same bankruptcy record on his credit! Plus, my income is higher than his!
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX - XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXXXXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX  XXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.
Product: Credit card

Hello, my name is XXXX XXXX I have been reporting this account for also a year and half. I have never opened this account this and 5 other accounts was open in my name and my identity has been compromised. I been telling that I have not open this account. The transactions are not mines. I also reach out to this company they told me they remove the amount. On my sears card it shows my account was never use until someone use up to {$1400.00} of my credit card. And I report it to sears. They still put on my credit after I said it was fraud. You can see month to month my account didnt change until the time it was comprised I never use my sears card but it still showed on my credit I dont even know what the card look like. I never received anything until my credit went from XXXX now its in the XXXX because they keep reporting fraudulent transactions that i didnt make I need this report off my credit. My card was compromised and you can see in the statements it wasnt me.
Product: Debt collection

Paul Michael Marketing acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX is charging me for something that I do not know and never visit them. 
I did not went to XXXX  XXXX. I told them that they charged to the wrong person. I live in XXXX NJ. They have to charge {$250.00} to the correct person not me.
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 Name : XXXX  XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : 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 XXXX 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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX regarding unauthorized inquiries on my credit report. I have attached additional documentation to support my claim. 

Complaint Details : XXXX. **Unauthorized Inquiries** : On XXXX XXXX, I discovered unauthorized inquiries on my credit report from Transunion. These inquiries were not initiated or authorized by me, and as a result, have raised serious concerns about the security of my personal information. 

XXXX. **Attached Documentation** : Enclosed with this complaint, you will find the following supporting documents : - [ List of attached documents, such as ftc report XXXX identification documents as requested by Transunion rep ] 3. **Impact on Financial Standing** : The unauthorized inquiries have the potential to negatively impact my creditworthiness, which could have far-reaching consequences on my ability to secure loans, obtain favorable interest rates, and even affect my employment prospects. 

XXXX. **Attempts to Resolve** : I have made repeated attempts to contact Transunion to rectify this situation, but have received no response or assistance in addressing this issue. This lack of responsiveness has only compounded my frustration and concern. 

XXXX. **Request for Investigation** : I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter to ensure that transunion complies with federal regulations and takes necessary steps to rectify the unauthorized inquiries promptly. 

I believe that Transunion 's failure to adequately address this issue not only jeopardizes my financial well-being, but also raises questions about their commitment to consumer protection and compliance with applicable laws and regulations. 

I appreciate your prompt attention to this matter and request that you keep me informed of any progress or updates regarding the investigation. 

Thank you for your assistance in this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX from XX/XX/XXXX through the XXXX, 2023  as well as daily from XX/XX/XXXX throughXXXX XXXX, XXXX I went on annualcreditreport.com to request my credit report from Transunion and have not been able to get it. I called Transunion on XX/XX/2023 and had them text me with their customer service chat phone number they said they would perform maintence my account and give me a call back to allow me to access the report they have not done so. I just tried to access my report today XX/XX/2023 and I still can not access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial wrote the debt off as a loss and they charged the account off. They failed to accurately report the balance owed to the credit bureaus which should be {$0.00}. I have reported this and disputed this a number of times to no avail. They acquired services from a law firm to procure the amount in full however they have already written the debt off as a loss.