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

I received an email from XXXX XXXX that there was a hard inquiry on my credit, but I do not recognize the company running the hard inquiry ( American Express ) or know why they would perform a hard inquiry on my credit without my consent ( nothing in my life currently would require a hard inquiry ). I believe this might be a fraud situation, which is why I'm filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want this account deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three consumer reporting agencies a letter asking to investigate certain accounts on my consumer report. I received the results from the investigation from XXXX and TransUnion, and they failed to provide me with the contact information of the individuals they spoke with to get this information. Also, the accounts I highlighted can not be verified as I have no contract with these companies. Three companies in particular, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX all have acquired my personal and private identification information without my consent. Not only did they take my information, they CREATED ACCOUNTS with my information just to harass me with claims of owing an alleged debt. That is IDENTITY THEFT. 

Pursuant to the FCRA, any consumer reporting agency may furnish a consumer report in accordance WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. I NEVER, EVER gave ANYONE consent to take my information and do whatever with it, just for their benefit. So how and where are these people getting my information from if I never gave it to them in the first place?? The FCRA also states that consumer reporting agencies shall disclose to the consumer the identity of the person they spoke with. That includes the name, phone number, and address. However, that information was not disclosed to me, instead they have it as " Verified '' on my consumer report, with no evidence behind it. 

Why do I have to verify my identity when it comes to MY information, that I NEVER even gave ANYONE consent to have in the first place?? You can't even identify someone over the phone or mail! But for some reason, there is no verification when it comes to them putting false information on MY consumer report, when in fact the LAW says it shall be. I'm tired of the fraudulent and deceptive practices. It's harassment and abuse, and needs to cease immediately. 

I am giving the consumer reporting agencies MY CONSENT to reinvestigate this matter.
Product: Credit card or prepaid card

I have been a loyal customer to Macy 's Department store. Recently, I have been paying my credit card on time, sometimes in full. I had some financial difficulties in the past. I managed to improve my finances. I was downgraded from a XXXX credit limit to XXXX. I spoke with Ms XXXX ID XXXX XXXX department after not being instantly denied an increase, but, they need more information. She explained to me that I could not get an increase from a XXXX XXXX  credit increase based on my past credit report. She did not even take the time to do a thorough assessment to see my credit improvement. I would like an audit to compare if I am being treated fairly based in the fact there is a pandemic and I'm believing some people my owe more and have financial hardship are give more leniency with the financial status. I am trying to support Macys as I know stores are closing and assist the economy, but, they are not assisting me. Im sure college students are getting credit cards without a job status with higher limits. But, Macys reward me as a platinum member without the platinum status.
Product: Credit reporting, credit repair services, or other personal consumer reports

AAIn 2018 I contacted all of the major credit reporting agencies about a collection account that was added to my credit report that violates the FCRA. Jefferson Capitol Syst did not contact me regarding this collection account prior to submitting to the credit report agencies and that is a violation of my consumer rights. I submitted documentation to have this account verified and removed and it was removed from credit report in 2018. This same account has reappeared and again, this account was not verified and this collection agency did not contact me prior to submitting it to the collection agencies. Also, this collection agency is not licensed to collect in the state of Nevada according the Secretary of State for Nevada.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported 2 late payments on the account when in fact the account was set up on auto pay and the two " late payments '' actually did happen. I contacted XXXX and the credit bureaus and they did not change it. I also provided them with a statement showing the minimum payment was debited out of the account.
Product: Debt collection

Upon checking my credit report there is a new account from Aargon Agency. I requested Debt Validation based on the info received from my credit profile and the mail was returned to sender stating the address was not available. I also requested my info and signature be provided from services received on stated date. this debt isnt mine and im not legally obligated to pay it.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking- Debt Final Rule 1002.142 ( B ) - ( 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 am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX Accept, XXXX, XXXX, XXXX, XXXX XXXX XXXX Inquiries as follows : XXXX A, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/23 I opened a Citi high yield savings account online. I was actually solicited to do so since I currently have 3 existing Citi Credit cards that I have had for years. I clicked on the link, opened the account via online application with no issues and even received a debit card and pin # in the mail for the account. I funded the account immediately electronically through my existing XXXX XXXX savings account. Everything was fine and all of the sudden I logged in and saw XXXX available balance when the day before I had an available balance. I called immediately and was read a script that my account has been closed and I could not be provided with an explanation over the phone. They informed me it would take 30-60 days to get my funds back via a mailed check to my address even though it took a matter of minutes for them to debit my XXXX XXXX account for these funds electronically. Now I am left here penniless. No money, no explanation. If there was a problem with opening the savings account or with my application for any reason, the application should not have been approved and the account should not have been opened. Please help me. This is unjust and unfair. I can not eat or sleep over this and I need help regaining my life savings. Thank you, XXXX XXXX XXXX
Product: Payday loan

I received XXXX dollars into my account to a payday loan from XXXX that I did n't apply for and did n't approve. I went out of town on the XX/XX/XXXX, returned on the XXXX and was going through my account. I had a XXXX dollar deposit into my account on the XX/XX/XXXX. I had contacted XXXX on the XX/XX/XXXX to check. They said it was filed. I reached back out on the XX/XX/XXXX with no resolution. Turns out XXXX never had filed the complaint. I called XXXX and they said that they had gotten confirmation from my current employer, XXXX XXXX, which is not my current employer. They suggest I reach out to XXXX again to file an XXXX to decline the XXXX deposit. I have filed paper work to get things reversed.
Product: Credit card

I have been a customer of Discover bank for almost 7 years and I have always been following their rules and made prompt payments. ( My credit score is excellent. ) Last month they sent me a short notice saying that my account will be closed, effective immediately. This was highly unanticipated since I never did anything wrong and it will greatly affect my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of XXXX XXXX. XXXX refuses to remove the two delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that XXXXXXXX XXXX is unaware of the " Cares Act ''.
Product: Credit reporting or other personal consumer reports

REQUESTING A COPY OF MY CONSUMER REPORT TO NO AVAIL. 

EQUIFAX SENDS OUT STALL LETTERS ASKING FOR THE SAME INFO REPEATILY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian Credit Agency XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my Experian Credit Report and I noticed that XXXX is still posted on my report : XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( XXXX ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this XXXX account # XXXX from my consumer report. This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . This agency has violated the laws and is the only agency reporting this account. Experian is not providing accuracy. Under 15 USC 1681 Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. All three Credit Agencies are to provide the same information on my credit report. DELETE THIS XXXX ACCOUNT # XXXX. Best Regards, XXXX XXXX
Product: Debt collection

I done paid this bill off almost a year ago and i don't know why this is back on my account So delete this because elevate recovery bought it and they are debt buyers and this is the violation of my HIPAA rights
Product: Mortgage

I brought a home XX/XX/2021 for XXXX at 95 % LTV so the loan required MI and Taxes/HOI to be escrowed. 

However, since the home I brought was a fixer upper I immediately invested over 100k in. 
Contacted lender and they advised that I had to have an appraisal ordered and completed by them to verify the new value, so I paid for the appraisal with pennymac and the new value came is at XXXX ; which puts me at LTV at 70 %. 

I resubmitted my request for MI to be removed and escrowed to be removed from my monthly payment. MI removal was denied twice and after multiple request they finally remove removed the MI ONLY. 

HOWEVER, they denied my request to remove escrows 6 times despite telling me to pay for the appraisal through them and still deny my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries on my account affecting my credit score. XXXX  XXXX XXXX did not contact me until after they placed a balance of {$690.00} on my report. The balance has changed twice from what I can see. My place is also the same I dont recall being contacted! My XXXX XXXX credit card was recently closed because of a payment not going through and instead of contacting me to resolve the issue my account was closed. I contacted them a day later to fix the issue and I was told my account was closed due to fraudulent activity. I checked all information on the account to see if anything was fraudulent and everything was up to date. Now they are saying that I have to pay them back. I have no problem doing that but i would like it off of my score! There are also credit checks on my report that have not had a positive affect on my score. I have not been emailed or called about either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this list of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. With 15 U.S.C. 1681 Section 602 A saying I have the right to privacy. 

XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX
Product: Credit card

Title : American Express took away my XXXX membership rewards point for injustice/unlawful reason. 

On XXXX/XXXX/2016, I was approved for American Express XXXX card with the offer of XXXX membership rewards point when I spent {$3000.00} in 3 months. I met the opening bonus of spending {$3000.00} in 3 months, and was credit XXXX membership rewards points on XXXX/XXXX/2016. My spending was way beyond {$3000.00}, and I did not violate the term and condition by buying any gift card or such. The spendings were all normal every day spending such as groceries, gas, and rent. 

On XXXX/XXXX/2016, I canceled my XXXX card. Because I realized my existing XXXX XXXX card has all the same benefit as the XXXX card, and additional benefits from XXXX dealerships. Hence, I decide to keep my XXXX XXXX card and cancel my XXXX card, because of the exact duplicate benefits. Although XXXX XXXX has a higher annual fee. 

Before attempting to cancel my XXXX card, I use American Express online chat to chat with several agents by questioning them if my opening bonus of XXXX rewards points would be craw back if I cancel my card on that day. Agents including whose names were " XXXX '' and " XXXX '' all insure me that once my points were credited to my account, they wo n't be taken away. I had taken screenshots of our conversation to prove their sayings. 

On XXXX/XXXX/2016, I asked American Express if they can reinstate my account. Because I did not feel good about receiving opening bonus and then to cancel my in a little more than 3 months. Although the benefits of the card are exactly covered by my existing XXXX XXXX card, and my XXXX XXXX card even provides a greater benefit. 

However, I received a physical letter from American Express dated on XXXX/XXXX/2016, informing me that my request to reinstate my Platinum card has been declined. The reason for their decision being XXXX or more of my charge accounts has a spending limit. So even though I want to do American Express good by paying them an annual fee on an inferior card that I wo n't use, they decided to decline my request ( or kindness in my opinion ). 

On XXXX/XXXX/2016, my rewards program showed a " Point Adjustment '' of negative XXXX rewards points. I called membership rewards phone number on XXXX XXXX XXXX XXXX on the same evening at XXXX to inquiry of the point adjustment I see. XXXX ( employee ID XXXX XXXX understood my concern, verified my account, and was confused by the reason and situation as to why my points got craw back. I believed in the system it said I did n't meet the spending requirement of {$3000.00}, which is totally false allege. XXXX then opened a case for in and insured me an agent or supervisor would contact me in XXXX7 business days. But until today, I still have n't received any phone call from American Express. 

Therefore, I decided to open this complain to bring in American Express ' attention. Through the years using American Express, I have experienced exceptional customer service. I am sure this matter could be resolved smoothly as usual, although there were some hiccups. 

Looking forward for your response. 

Sincerely,
Product: Student loan

My federal loans are consolidated and serviced by Fed Loan Servicing. I qualify for the PSLF program and have submitted documentation for regular tracking of my qualified payments. When determining the number of payments that qualify, Fed Loan Servicing 's system had an incorrect " amount due '', showing XXXX cent more than was actually due for 11 of my payments. Therefore they stated that those 11 payments did not qualify. 

I reached out to Fed Loan Servicing on XX/XX/XXXX and spoke with an agent named XXXX. Her agent number is XXXX. The agent told me that she could see my loans and that the amount that had come over from the previous servicer was not that amount that was entered ; it was off by that XXXX cent and that my payments should have been counted. 

I always had my payments made automatically, on time, and for the full amount. 

At this time I requested that these payments be reviewed. I called back after a couple of months and was told that the review was not yet completed. I called again a month later and a month after that, still with no progress and no available updates at all. When I called in XXXX, I found out that they had not submitted a review of all 11 payments, only 6 of them. At that point I requested that they start a review of the other 5 payments as well. 

I contacted them again around XX/XX/XXXX, 8 months after the initial review. They stated there was no update and the review was still pending. 

It has now been 10 months and the review is still " pending ''. Even though XXXX told me from day 1 that she could see the error in the servicer 's records, and that all 11 payments should have counted, they still have not completed the review. 

In addition to this, around XX/XX/XXXX I submitted updated paperwork for another year of completed services towards PSLF. They still have not updated my totals to reflect these 12 months ( I submit new documentation annually now ), over 10 weeks later. 

I will finish my 120 payments in 21 months. But without a successful completion of these reviews, plus a timely response of my updated PSLF activity, it will not be possible to complete my 120 payments and have my loans forgiven. 

All I ask is that my reviews be completed and my accounts updated correctly and in a timely manner. This would have taken XXXX 5 minutes to do, if she had access to update the account to begin with ; yet 10 months later and still nothing. 

Thank you for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$390.00} ; XXXX XXXX ( Original Creditor:XXXX XXXX ) XXXX Balance Owed : {$690.00} ; Medical XXXX Balance Owed : {$830.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$5300.00} ; XXXX  XX/XX/XXXX ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have had a credit Karma account with a spend and save account for a number of years. I was told today that my account was closed because of a negative balance .On XX/XX/XXXX I had a balance of XXXX but on XX/XX/XXXX a provisional credit of a dispute process was reversed for the balance of XXXX which gave me a balance of XXXX. I told then I was unaware of this. My email has changed because I would have taken care of it. Now they say I can not open a spend account and there is no way to resolve it I can send the amount of XXXX by check only to clear the amount they have reflecting. They stayed I will not be able to open another account even if I pay it. This does not make sense to me. The customer service said they have to other way to resolve it. It is odd and of course it can be solved.i was told that even if I closed the account and opened another I will not have a save or spend account. I asked for escalated assistance but they said they do not have any option to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft while XXXX, Equifax and XXXX is still reporting fraudulent accounts on my consumer report. I demand that these accounts be removed IMMEDIATELY!!!
Product: Debt collection

I NO NOTHING OF THIS COMPANY DIDNT GET DEBT VALIDATION VIA EMAIL OR USPS MAIL I NO NOTHING OF THIS COMPANY NEVER HAD ANY CONTRACT OR CONTACT WITH THIS COMPANY.
Product: Debt collection

I 've received multiple calls on a daily basis on my cell asking for someone I do n't know. I 've told the agency I 'm not the person they are trying to contact, that they are calling a company issued cell phone and I have had the number for 7 years. Last week I asked they stop calling this line and I received another call today