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

Hello Any advice would be great. 
I have an XXXX Credit Score. 
2 of my three credit cards, with one company, closed my account ( s ). 

With a high credit score, I also use my credit cards on a regular basis and my income has not changed.

Therefore, none of the typical three reasons to have a cc closed comes into play. 

I never had a reason to call my cc company for years. However, in the last two weeks, I had my cc declined two times. With {$13000.00} limit on one and {$17000.00} on the other, it shouldnt have been declined. Paid on my cards 5-8 times a month just so I never had a bill. 

So yes, I was mad when I called. About the cards. The workers laughed, made jokes and I got more mad. 

I was a great or excellent customer and not only should not have been treated this way about the declines, nor the final step of cancellation happened. 

Do I have any recourse? 

Even a small claims court attempt? 

I believe they took my words and ended my account. 

The worst part is the cards were also with Amazon and Southwest Airlines and I earned tons of points. That was important to me. 
Sounds a little like my freedom of speech were the cause. 

Any advice would be appreciated. 

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

After sending information to verify myself with my disputes, as of XX/XX/XXXX the CRAs have not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX not mine INQUIRIES XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX {$350.00}
Product: Debt collection

L J Ross and Associates is trying to collect on a non existent debt from XXXX XXXX XXXX. Their online systems for both my wife and my accounts show a XXXX dollar balance, yet they are trying to collect on a debt. I am not sure if they obtained my information in a fraudulent manner or not. 

I have also not received a statement for this reference account from the original creditor.
Product: Debt collection

There are XXXX accounts in my name. XXXX is mine.
Product: Checking or savings account

Hi Without my knowledge a external bank account was added to my online banking at PNC bank. The unauthorized bank is XXXX XXXX something
Product: Credit card

I received a fraud alert on or about XX/XX/XXXX from Truist on cell phone. Contacted them and told them I did not make purchase/charge. Then put a 1 year Fraud alert with all 3 Credit Agencies, and filed report with identity theft .gov. There was a XXXX balance at that time .Now it is XXXX XXXX XXXX and I have called 6 times and spent an hour each time on phone. Escalated it twice with 2 different supervisors. I am now being charged late fees and interest and have collections calling me constantly for something I don't owe. Additionally I have now received notification from Credit companies that my credit limits have been decreased.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was alerted by TransUnion, that my account information had changed, and my credit score went down by XXXX points. The reasoning for the reduction of XXXX points was not clear nor easy to find. A full three agency credit report had to be done, which cost additional money. When I reviewed the information regarding my XXXX XXXX, that is in good standing, was closed and labeled " removed. '' TransUnion is the only agency to have reported the XXXX  XXXX account in this manner. This erroneous report damaged and hampered my ability to close on a home loan. The account that was given a new account number, but never was closed. XXXX XXXX said they never requested for the account to be removed, nor do they remove credit lines in good standing. I followed up on the same day and was told by TransUnion to file a dispute, whether it is their fault or not. TransUnion 's agent further told me that my only option was to report to CFPB, because they only respond to their customer 's request. They do not investigate their errors. Because the account has a balance, this action will affect my ability to gain a home loan and will affect the interest rate that I had qualified for prior to this error. Furthermore, I have been paying for TransUnion 's monitoring service that states that the consumers ' of this product would be provided certain services, i.e. a rationale for changes in credit scores. This did not happen..
Product: Credit card

This request for assistance from the CFPB and JP Morgan Chase is being submitted based upon the fact pattern presented, in pertinent part, below. 

In XX/XX/XXXX, I received a mail solicitation from JP Morgan Chase 's Slate branded credit card program ( hereinafter, " Slate '' ) to apply for their credit card. The solicitation offered several strong inducements to apply for the card, including the transfer of existing credit balances at other companies with a 0 % interest rate for 15 months. 

Upon receipt of my application in XXXX, XXXX ran my credit background and approved the card. On XX/XX/XXXX, XXXX provided an email notification that the " new card was on the way. '' Indeed, it was received shortly thereafter. XXXX also offered to increase the credit balance, based upon my good credit history. In reliance upon their offer, I transferred balances that I held at other companies to the card, which I understood included a percentage fee surcharge for the transfer. 

In XX/XX/XXXX, without provocation, I received a letter from the XXXX program that they would be cancelling the card in XX/XX/XXXX. No reason was provided, other than " reputational risk. '' Representatives from XXXX could give no further information, but did indicate that such letters are sometimes issued when there is rapid credit utilization on a card. 

However, XXXX of the prime reasons for obtaining the card was in fact *precisely* to utilize the credit in order to apply the favorable rate of financing advertised. It now seems that because I utilized this offer as advertised, the offer and the card are being cancelled. 

Curiously, I received another email ( dated XX/XX/XXXX ) indicating that my " ... enhanced Chase XXXX card is on the way ... '' The revocation of the card seems arbitrary, unwarranted, and creates hardships as a sizable balance must now be once again transferred -- likely back to the original institution. Moreover, the actions have the potential to create material harm in the form of " unnecessary '' transactions in my credit report ( performing the initial credit check, increasing the balance, and then cancelling the card within a short time frame, with no exhibition of inability to pay, or defaults of any kind ). 

XXXX 

I respectfully submit this request for review and assistance in investigating the matter further. 

Very Truly Yours
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently monitored my Credit Report is all Credit Berues ( XXXX, XXXX, and XXXX ) and have noticed High Supeciour Fraud Activity in Unsolicited Credit inquiries. I have not made or Authorized any credit application on my behalf to anyone, card, or no new accounts, made by me At this moment. I have counted at least 20 new inquires and three major Bank Card application inquiries, Well Fargo, and XXXX XXXX XXXX made from XX/XX/2022 thru XX/XX/2022. One is from XX/XX/2022, from XXXX. Also was unsolicited or Not initiated or made by me. 
The following accounts are Fraud. I never initiated or applied for this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Following are Inquiries I have never made or Authorized : Name Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ANY Transactions, inquiries, loan applications, credit cards, or any type of inquiries applications, made after, or initiated after My Escrow account started with XXXX on XX/XX/2022 XXXX XXXX consider as fraud and it should be investigated as such. I have not used my credit to prevent any credit discrepancies and I was taking care of my finances so that I could've able to purchase a home. Therefore, this is very concerning and I would like to report this as Identity Theft and FRAUD Transactions. I am including my current credit report and have placed a Credit Freeze on All Credit Bureaus ' reports. effective today when I became aware of this.
Product: Mortgage

I filed a Chapter XXXX Bankruptcy on XXXX XXXX, 2005, in XXXX Tennessee, XXXX XXXX, case no. XXXX. At the time, XXXX XXXX XXXX was the mortgage company for my house, and this loan was sold to XXXX XXXX XXXX. I have paid the note in a timely manner since the filing of the bankruptcy over ten years ago. The current mortgage company, Green Tree Servicing , LLC, as servicer for XXXX, will not report my timely payments to the credit bureaus, which is prohibiting me from being able to get credit for my faithful payment of this loan.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the equifax to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$690.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been the victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 

DEPT OF EDUCATIONXXXX
Product: Credit reporting or other personal consumer reports

Inactive modal Consumer Financial Protection Bureau Start a new complaint All complaints XXXX YOUR COMPLAINT XXXX  XXXX refuses to report to credit bureau the accuracy of a closed account. 

I do not owe XXXX  XXXX any money for a credit card that was lost/ stolen. 

I had two credit cards with XXXX  XXXX. One was a regular credit card for {$700.00} dollars. I paid this off XXXX. 

XXXX XXXX offered me an upgrade credit card however they failed to disclose that there was an annual fee attached to it. When I received a bill with a XXXX annual fee in XX/XX/year>, I immediately ask them to close the account. 

The original credit card that was paid off in XXXX to which I thought was closed due to the upgrade, was never closed by the company. 

The original XXXX  XXXX card was now mailed back out to me. I had several cards stolen that included this card. 
They were supposed to close the account with Zero liability. Instead they keep reporting.that I owe this debt. This is inaccurate. I would like this corrected. XXXX XXXX has ruined my credit. 

The other cars that was stolen has rectified the issue this is the only card that had reported continues to make me responsible for fraudulent purchases that I did not do. There should be a zero liability for the purchases. 

View full complaint Referred Status CFPB referred complaint to another government agency on XX/XX/year> Referred To Office of the Comptroller of the Currency We referred your complaint. 

After our review, we found another agency that is better able to help you with your issue. 

I spoken with XXXX  XXXX they promised to investigate and 30 or 60 days and send out a report and I have not received anything yet. But this investigation was supposed to start back in XXXX of 2024. 

If the consumer credit bureau takes a look at my credit report I have made all my other credit card payments on time. I have been a victim of data breaches and fraud. 

My XXXX XXXX went from a XXXX now to a XXXX due to XXXX  XXXX.
Product: Debt collection

Complaint : XXXXI am rejecting this response because : I have sent a new response via mail to this business. 
The " photos '' do not show the driver of the vehicle as requested in the original request for validation. 
The photo of " Time and Date '' are only clearly legible in XXXX photo. The photo is too small to show any such validation. 
Neither photo shows a location or mile maker of where the car was located on " XXXX XXXX ''. 

The original letters very clearly stated to ONLY contact me AGAIN with the Validiation as REQUESTED which was 1 ) A photo of the driver of the vehicle- which was NOT sent 2 ) A photo with the vehicle located on " XXXX XXXX '' - which was NOT sent My cease and desist was VERY CLEAR- if you could n't provide the validation as REQUESTED then DO NOT CONTACT ME. You absolutely denied my cease and desist request by sending " documentation '' that I DID NOT request. You only sent what you " wanted '' to believe is " validation '' to continue to " pursue '' a debt that has yet to be properly " validated '' Additionally- I never received a bill from XXXX XXXX which appears to be a " known issue '' in consumer reports and ripoff complaints. Sending a piece of paper does n't prove they were actually put in the mail or that I actually received them. There is no way to justify an {$80.00} bill for " claiming '' that someone had traveled on a XXXX XXXX twice. 

" XXXX XXXX '' has been under scrutiny several times and I will NOT partake in the scam. They are known to send people to collections before sending bills and then by the time people are " notified '' theres added " collections fees '' and " attorney 's fees '' and then blame it on " computers '' or people " moving and not updating addresses. '' Well I 've been at the same address for 7 years ... so explain that XXXX. Their cameras are " high tech '' yet their " computers '' XXXX up XXXX of bills ... read the XXXX reviews on XXXX OR the following articles XXXX I can see why " XXXX XXXX '' wants to collect as much as they can and rack on fees when they are {$450.00} XXXX dollars in DEBT XXXX Since the " attorney 's '' at XXXX XXXX and XXXX may be able to read a cease and desist request- they severely lacked the comprehension to understand the request ... and they proceeded to send me " information '' I did NOT request after receiving a cease and desist demand ... 

I 'm tired of being harassed. 
I can provide documentation of my letters requesting the Cease and Desist if my validation documents COULD NOT be sent as requested. 



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

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX | XX/XX/XXXX XXXX/XXXX  | XX/XX/XXXX XXXX/XXXX  | XX/XX/XXXX XXXX XXXX/XXXX  XXXX | XX/XX/XXXX XXXX  XXXX  | XX/XX/XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX   XXXX XXXX  | XX/XX/XXXX XXXX  XXXX  XXXX | XX/XX/XXXX These are illegal inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report score with data collected by XXXX, XXXX and Trans Union currently is not an accurate representation of my credit practice and behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME Address City, State Zip Email Address You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

In regards to Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I made a settlement agreement with them last year for half, I sent them a valid check and they check was sent back stating the offer was longer good. I have submitted all necessary paperwork to the XXXX credit bureaus. This company continues to call me at all hours of the day and night. including XXXX to XXXX XXXX. They have called friends and relatives in other states and here in XXXX. They informed my brother about the debt, how much it was and threatened him with a lawsuit if he did not pay. Even though we have both asked them to send all corespondents through mail only and no more calls, they continue to do so. Today they notified myself, my brother and a friend, that we are all being sued, wages garnished and jail time, if I do n't pay. All these practices are illegal.
Product: Credit card or prepaid card

In 2021 my identity and credit was fraudulently used for purchases on my bank credit cards. I have reported this to my creditors and it was investigated as fraud and subsequently not resolved. I am being held responsible for these debts which are substantial and a great hardship for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$240000.00} / XX/XX/2022
Product: Payday loan, title loan, personal loan, or advance loan

Believe this is Illegal loan in State of XXXX Lender is not listed in Georgia XXXX. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requ.ested to stop further ACH payments from my account. Notified local XXXXXXXX XXXX office
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and have significant doubts about their legitimacy. I urge you to conduct a thorough investigation and promptly remove them from my credit report. Supporting documents have been provided for your examination.
Product: Mortgage

Back on XX/XX/XXXX and XX/XX/XXXX I submitted the bill from the title company showing money was withheld at closing for taxes when I closed in XXXX of XXXX. I submitted a receipt showing my taxes where paid in full for the first half of the year and they still processed the payment they were not suppose to do so paying my taxes and did not reply to my communication that I sent over a week ago. My escrow account is now in a negative balance because the company did not communicate with me showing all the proof they were not responsible for paying taxes the beginning year. This has put my escrow is negative balance XXXX and I have to pay the difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX - Acct # XXXX Late Payment XX/XX/2020 I was never late on the paid off account listed above. Please show me documentation showing proof of transaction, showing I was ever late to support your inaccurate reporting on my account. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The FCRA allows 30 days for this to be rectified.
Product: Mortgage

1 ) I am having issues/problems to pay my mortgage sinceXX/XX/XXXX. My mortgage company is MR. COOPER a/k/a Nation Star 2 ) With the help of NJ Citizen Action, we filed for Mortgage Modification and Mr. Cooper approved a TRIAL PERIOD on XX/XX/XXXX. ( Letter was received late on XX/XX/XXXX. However, I did the required payments for months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( see attached ) 3 ) On XX/XX/XXXX via email I express to Mr. Cooper the reasons I was not agreeing on signing the Contract with the modification ( see attached ). 
4 ) OnXX/XX/XXXX I sent a letter to Mr. Cooper inquiring about my modification ( see attached ) 5 ) On XX/XX/XXXX I sent a letter to Mr. Cooper again inquiring for detail as of how they applied my payments. ( see attached ). 
6 ) On XX/XX/XXXX I made another inquiring to Mr. Cooper ( see attached ). 
7 ) On XX/XX/XXXX NJ Citizen Action representative Mr. XXXX XXXX filed a second application for Mortgage Modification, and explain on it that my financial situation have been worsening due to loss of rental income. However, that if received a modification as presented before, I will be able to make the payments. 
8 ) On or around XX/XX/XXXX, I contacted Mr. Cooper, they claim that they never received the application for a Mortgage Modification filed on XX/XX/XXXX. Mr. XXXX XXXX proceed to re-filed ( see copy of email attached ) 9 ) On XX/XX/XXXX, I have a phone conversation with Mr. Cooper representative, when I inquired about the status of Mortgage Modification filed on XX/XX/XXXX and re-filed on XX/XX/XXXX She stated " Your application was denied on XX/XX/XXXX '' at which I replied " But I have not received any letter stating that '', She claim " oh yes a letter was sent '' ; my response was " I need a copy of that letter so I will be able to discussed with NJ Citizen Action Representative and make a decision as of how to proceed ''. 
10 ) On XX/XX/XXXX I received a letter from Mr. Cooper, DENYING the Mortgage Modification application with a PRE-DATED DATE OF XX/XX/XXXX and the reason for denial is " LOAN PREVIOUSLY MODIFIED ''. ( See attached ). 
11 ) This denial is a violation of my rights for two reasons. a ) Mr. Cooper did not informed me on a timely manner of their denial, they pre-dated a letter ; after using a very informal way of doing business ( a verbal notice via their representative ). 
b ) Their have not been a LOAN PREVIOUSLY MODIFIED. It was a Trial Period which I complied 100 % on. 
12 ) Mr. Cooper need to explain how monies paid to them are used in detail and stop their practice of responding only verbally to a serious legal matters.

The people involved in this matter are Myself, Mr.Cooper a/k/a Nation Star and NJ Citizen Action.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX claimed I rented property from them in XXXX in XXXX with an original balance owed of {$17000.00}. I can prove that during Covid I was living in my parents home in XXXX I reached out to them to have this debt removed from my credit record in XXXX. They didn't even have any of my personal information like phone number or address. 
They then sold this debt to other collection agencies of which I have also requested they remove the debt as it is not my debt. They have all refused resulting in the current total due of {$18000.00}. I have since filled a police report regarding this fraud and have hired an attorney.