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

Today I saw. Address to take off are XXXX XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, Also XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, In, XXXX. Address giving I never lived. Accounts, Inquiry, that is not mine. Its XXXX XXXX inquiry,  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$390.00}, XXXX XXXX {$500.00}. This accounts loan, hospital ER was not opened by me. This is identity theft. I never went to ER in XXXX. I lived in XXXX, Fl. The ER account is under collection said it opened in XX/XX/2020. No one contacted me from XXXX XXXX. To open this loan. I have a fraud alert on my credit reports. With my contact information along with my phone number. There is also no inquiry from this company. Not sure how they got my information. This seems to be a scam. I never signed up or opened this. I did call to ask for my application. I asked for my driver license along with my signature. These companies refused to call me back or give 100 percent submission to my request. Please take off or block this information on my credit reports. The XXXX XXXX  took out from our XXXX XXXX account wich is now closed. My husband was the head of the account so he was the one that had to fill out the form for fraud identity thrift. sense the account is closed. I cant give you paper work only the refunded amounts our bank gave us. But I am submitting our car ins card to prove we XXXX XXXX XXXX XXXX and I have the same accounts. We are married.Thank you.
Product: Debt collection

I contacted Koalafi on XX/XX/year>, to dispute the financing agreement and cancel the purchase. Koalafi initially stated they would investigate the situation and advised us not to accept delivery. However, despite our refusal to accept delivery and our consistent attempts to cancel, Koalafi later claimed the lease was funded and demanded payment for the merchandise we never received. 

I believe both XXXX XXXX XXXX and Koalafi engaged in predatory lending practices by : Pressuring quick sales : The sales representative rushed me through the process and did not allow sufficient time for careful consideration. 
Refusing to honor our cancellation request : Despite our immediate attempt to cancel, both companies persisted with the order and delivery. 
Funding the lease before delivery : This violates standard lending practices and demonstrates a disregard for the customer 's rights. 
Demanding payment for merchandise not received : This is a clear breach of contract and an unfair business practice.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

6 inquiries on my credit report that I did not authorized need to be deleted and im resubmitting this because i forgot to attached my FTC
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2019 i closed my account with my bank. They actually reached out to me notifying me they were closing it. No rhyme or reason. Closed account snd then sent balance via check but did not receive. Tried resolving and repeated attempts to send and recover payment. Now the bank has been bought twice and i still have not been able to get my money. Ive tried working with the other banks but it has gone no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made every attempt possible to ask this company to stop reporting inaccurate counts on my credit report. I have sent letters, made phone calls. This company could care less about the impact they are having on my life. I have been disputing these accounts for years with no luck or cooperation from this company. i have ask for documentation and proof and have yet to receive anything.
Product: Checking or savings account

We were the victim of a fraudulent wire transfer from our Wells Fargo account for {$24000.00}. We have been trying to recover the funds since mid XXXX without any luck. They say they're not responsible for the missing funds because it seemed like an authorized transaction from my wife 's phone that was hacked. They sent no fraud alert but did so a couple hours later when a second wire transfer was attempted. That was caught and stopped. We have never sent a wire transfer in over 25 years of having this account and somehow this transaction for almost {$2500.00} was not flagged and seemed normal to them?
Product: Credit card or prepaid card

Tried to make a payment plan over the phone, plan was set and accepted, but they supposedly closed my account and i cant access it.
Product: Credit card

I had a Amazon/Synchrony Bank credit card, I over paid my balance by {$900.00} XXXX my credit limit being XXXX XXXX. So I should have had XXXX. Synchrony Bank now say they enver recieved the extra amount even though it has not been returned to my XXXX account and to add insult to injury they lowered my avail credit down to {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is more than 7 years old but has not been deleted from credit report. Account is also closed but continues to have over XXXX charge - offs which is against FTC regulations to report. 

1. USAA SAVINGS BANK {$7600.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX 2. XXXX XXXX   DELAWARE {$0.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX 3. XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1000.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX
Product: Debt collection

I had rented car from XXXX @ the XXXX around XXXX on XX/XX/2016 and had returned around XXXX on XX/XX/2016, after filling gas at the XXXX gas station in XXXX just before returning the car ( I submitted the gas station charge as one of the proofs ). I then went to the front desk requesting that the charges be split between XXXX of my XXXX cards ( because I had promotional offers on XXXX cards ) but the woman there was rude ( they should have a recording of that in their security camera ) and said go call the customer service regarding that. So I spoke with customer service around XXXX ( they should have a recording of that as they do it for " quality '' and training purposes ) while on XXXX to the terminal, as I had a flight to catch after checking in my bags. However I was advised to go speak to the personnel at the counter, since it was within 48 hours of return. So I decided to call them back after 48hours and went to check our bags in at around XXXX. After that we proceeded to gate past the security the security check as our flight was at XXXX ( I provided boarding pass and bag tags for proof ). We reached XXXX and took XXXX back home from the airport ( submitted receipts for that as well ). 
Following morning, I had to fly to XXXX ( submitted my ticket XXXX and taking XXXX rides in XXXX as well for proof ). However XXXX claims that I returned the car only around XXXX on XX/XX/2016, which is a not true and charged my credit card that additional amount. I contracted my credit card company and they refunded me that amount, but XXXX has been harassing me for that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent an email stating that my " TransUnion credit score went down. '' See attached. I logged in to my XXXX XXXX account and noted that my score had dropped approx XXXX points and XXXX XXXX wanted me to " make a payment before XX/XX/XXXX. '' See attached. I immediately contacted the retailer from which I made an online purchase on XX/XX/XXXX. The retailer, XXXX, authorized the purchase on my XXXX account that date. The retailer notified me the items were available for pickup at the local XXXX store in XXXX, Oregon, on XX/XX/XXXX. I picked up the purchase. The closing date of my XXXX account billing is the second day of the month. Previously had a XXXX balance. The current purchase of {$150.00} was billed this cycle. The payment IS NOT DUE UNTIL XX/XX/XXXX. That's right. XX/XX/XXXX. TODAY is only XX/XX/XXXX. That's right. XX/XX/XXXX. I pointed this out to the XXXX XXXX Department supervisor " XXXX '' ( ID XXXX. XXXX ) who agreed the account was completely current and he agreed to look into how any negative information from XXXX XXXX have been given to TransUnion or XXXX 's " usual '' reporting agency, XXXX, to lower my score, as XXXX has NO adverse credit information on me including no late payments EVER - had this account since XXXX -- XXXX  years. Could not contact XXXX XXXX, no phone or email given for contacting XXXX XXXX on its website. TransUnion and XXXX XXXX are apparently is trying to fraudulently lure people into making credit card payments via the XXXX XXXX website with scaring people via a false claim that their " credit score has gone down '' WHEN THERE IS NO ADVERSE CREDIT INFORMATION WHATSOEVER. XXXX agreed to contact TransUnion and XXXX and send me a letter confirming my credit is PERFECT and lowering my score ( from previous checking, it was lowered by approximately 40 points ) without any reason to do so.
Product: Money transfer, virtual currency, or money service

I signed up for zip and got a XXXX XXXX XXXX from XXXX XXXX, I later learned after paying off the loan that I could use a virtual card to essentially finance an in store purchase. My phone was broken and needed a screen so I took the phone into the repair shop and kept having issues adding the card to my wallet ( after it had mysteriously disappeared from my mobile wallet app ) the guy did the service then I could not pay for the phone so he kept my XXXX XXXX because I was still unable to pay for it using zip after speaking to several of your representatives and being assured that I could use the one time card. Why offer something if it will not work and potentially put your client at great financial risk. I lost a XXXX dollar phone because of you all
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that XXXX of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my XXXX XXXX and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
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 XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) 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 or prepaid card

Sometime in late XXXX or early XX/XX/2021, I applied for the American Express XXXX XXXX XXXX card. They had an offer on their website for 90,000 miles, in addition to some other benefits, by spending a specific dollar amount within a 3 month time frame. The card was approved and I began using it on XX/XX/XXXX and also paid a {$250.00} annual fee my first month. 

I had not seen my bonus miles show up so I messaged them on XX/XX/XXXX to inquire. I was told that the bonus offer was denied based on my welcome offer history with American Express and another financial institution. The representative also stated that I should have been informed of this at the time of application, they knew that I was not informed and they apologized for me not being notified. I was not informed of this at the time of application. I had even called them shortly after I applied and was approved and the employee had clarified the bonus offer. A transcript of this correspondence containing 3 screenshots is attached. 

AMEX should have notified me right away as they know I applied for that offer on their website. I feel this is misleading. I have also spent over {$15000.00} on this card in the final 3 months of 2021 so AMEX has made good revenue on our activity. Of course I am frustrated by not receiving the rewards I was expecting but more importantly feel like they neglected to inform me of the situation, which added to the frustration. 

I really enjoy the quality of the company and the card benefits but it bothers me that this happened. I have referred many other people to apply for this card as well and I continue to use it as my primary card. The reason I applied for it is a family member recommended it as they use it for frequent travel and we plan on doing more traveling now that our kids are older.
Product: Credit card or prepaid card

I ordered XXXX ottomans through XXXX with my synchrony bank/ snazon credit card back on XX/XX/2021. Merchandise was supposed to have been delivered to my house no later th a n XX/XX/2021. Total amount was XXXX. I am on 6 months deferred payments and made my first payment XX/XX/2021 of XXXX to date I have not received merchandise. I contacted synchrony bank and they told me account is under investigation but that XXXX XXXX and XXXX show items delivered. XXXX web XXXX ite shows delivered to a garage. My house has NO garage. To date I am still waiting on refund and am b e ING charged late fees while account is still under investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : Fair Collections And Out Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Debt collection

This notice serves as my official complaint against ( BRIGHTWATER CAPITAL , LLC ). On information and belief, Brightwater Capital , LLC, took over an account from ( XXXX XXXX XXXX ) on XX/XX/XXXX. XXXX no longer owns the alleged debt. I received a phone call from a representative, claiming that they were calling to settle an alleged debt on behalf of the alleged creditor : XXXX XXXX XXXX on an alleged debt they claim I owe. I received the call at my job on XX/XX/XXXX. 

The representative was very obnoxious and rude and insinuated that would confiscate my property. Fortunately, my employer monitor calls for quality assurance. 

I am filing this complaint against XXXX XXXX, XXXX 1. Because they did not provide me a written notice within five ( 5 ) days of initial communication with me, which is a direct violation of the Fair Debt Collections Practices Act 809 ( a ).

Further, pursuant to 12 CFR 1006.34 ( d ) ( 2 ) and 12 CFR 1006. ( 1 ) ( 8 ) ( e ) I did not receive a written notice, ie... MODEL FORM B-1 Validation Notice , which is another violation. See sample of Model B1 form attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days & I have not received any investigation results.
Product: Credit card or prepaid card

XX/XX/19 Keep putting late payments on a charge off account
Product: Credit card or prepaid card

I was eligible for about {$800.00} worth of mygmrewards. I wanted to use them toward my credit card balance, but they would only show up in eligibility and would never transfer over to be useable. I called mygmrewards more than 10 times over the last year, held for hours, and I am always told " It has been escalated, and we can't do anything about it until the team ( whichever tier they claim it was escalated to that day ) is finished with the escalation. A few months into this issue, they just completely removed all of my rewards and didn't credit anything. I still get the same answer every time I call them, and they refuse to allow me to speak to anyone higher than a team lead.
Product: Debt collection

XXXX XXXX XXXX Original creditor : 11 XXXX XXXX Total balance : {$780.00} acct # XXXX {$780.00} Balance updated XX/XX/2021 2021
Product: Vehicle loan or lease

I have been leasing cars from Kia for years. Recently in XX/XX/2022 I upgraded my lease and did not change any banking info. I was told my auto payments would still be occurring. One night I woke up to loud banging on my door. The repo guy was taking my car and he felt bad so he was notifying me to take out my kids car seat. I was baffled and had no idea why he was taking my car. He stated I missed a payment. I had no clue. I had put money down and also had kept my same banking info for the new lease. It affected my credit and I had to pay fines over {$500.00} to get it back. Kia would not provide any explanation as to why this happened nor would they take any responsibility. I received no notices prior and had no clue the auto payment ceased.
Product: Consumer Loan

I only got the loan on XXXX XXXX 2016. The agreement was to pay XXXX/w. I have made 2 payments so far of XXXX. I called to get the pay-off amount on XXXX/XXXX/2016 and was told I still owe XXXX. The guy told me they are only putting XXXX/w towards the principle amount. The original loan amount was XXXX and the company added a finance charge of 657.65 or 720.01 % interest rate. The terms state you may prepay your loan at " Any '' time without penalty, but when you call for a pay off amount they tell you you have to wait for 2 days and add 2 more days of interest.
Product: Debt collection

I am writing in regards to a collection account ( XXXX ) IN AMOUNT of {$280.00} that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately. It is also a HIPPA violation if they have unknowingly accessed any of my medical records to fraudulently have this account added to my credit report.
Product: Credit reporting or other personal consumer reports

The incorrect Balance is showing on my XXXX XXXX Revolving Line of Credit. 

The account number is XXXX This needs to be corrected immediately.
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 168b permissible purposes of consumer reports. 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.

Inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX has violated my privacy rights by reporting information on a closed account. 

15 U.S.C 1681 section 602a States that I have a right to privacy. 

This account has been paid and closed. 

XXXX has removed this item and I would prefer XXXX and Transunion to do the same.
Product: Mortgage

I started a new loan with XXXX XXXX XXXX XX/XX/XXXX and was told after 6 months of on-time payments and a principle amount of 80 % of the purchase price I could drop pmi. On XX/XX/XXXX I requested that in writing via e-mail. I was sent back via e-mail to get to 80 % send {$28000.00} so I did send the money and e-mailed them on XX/XX/XXXX. They held the funds for 2 weeks then posted them to my account but did not drop my pmi. After 5 phone calls and several e-mails I get another e-mail on XX/XX/XXXX saying to send them {$100.00} for an analysis which might cost more, that the {$100.00} is just a quote to start.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEITHER XXXX, XXXX  OR XXXX  have my consent to use my private intellectual property for their commercial use, they are guilty of consumer fraud, identity theft and possibly tax evasion. they have been asked to remove all bankruptcies being reported unless they can provide undeniable proof that investigation was done and that the bankruptcy court gave them accurate and verifiable information, which they did not. 
I have asked the bureaus to cease and desist from reporting any score that will make their score for me drop that is damaging to our name and reputation.