23daVinci/CFPB_Complaints huggingface dataset:
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 Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, NA 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 or prepaid card

I opened a XXXX XXXX Credit Card from XXXX XXXX in XX/XX/XXXX in response to an offer for XXXX bonus XXXX Miles for spending {$3000.00} within the first 3 months of opening the card.The credit card application stated that if I currently did not have an XXXX Miles membership number to fill in, the field should be left blank, and XXXX XXXX would contact the applicant to complete the XXXX Miles membership. I completed the spending within the three months, and paid the annual fee of {$95.00}. 
Upon completing the spending, the XXXX bonus miles showed up om my XXXX XXXX credit card statement, but it has been almost 12 months, and they never posted to my XXXX Miles account. Initially I contacted XXXX XXXX, since I never received an XXXX Miles number, or any indication that my miles has posted to XXXX Miles, and was told that I should manually obtain an XXXX Miles membership number, add it to the account, and the bonus miles would then post. I obtained the XXXX Miles number and added it to the account, but only subsequent miles earned, XXXX miles to date, have posted. The XXXX bonus miles and XXXX spending miles never posted. I contacted XXXX XXXX numerous times over the next few months and each time was assured that the miles would post upn the close of the next statement. 

Finally, in XX/XX/XXXX I was told that since there was a problem with the XXXX Miles number originally, I would not receive the XXXX miles, only the new miles I would earn in the future. 

On XX/XX/XXXX I sent a letter to XXXX XXXX indicating that they were not honoring the terms that were promised to me when I opened the account. On XX/XX/XXXX I received a response that the problem had been corrected and my XXXX Miles account would now reflect the correct balance. 

Unfortunately this was not true, since my XXXX Miles account continues to show only the XXXX miles earned after the initial issue. The XXXX miles has not posted. On XX/XX/XXXX I sent a follow up letter, but received only a form letter in response indicating that I could initiate a complaint by sending a letter. It has been almost a year and I am frustrated that my issue has not been resolve despite numerous assurances from XXXX XXXX that it would be.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXXXXXX Balance : {$250.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Unable to log into XXXX XX/XX/XXXX Reviewed XXXX XXXX XXXX XXXX and discovered PII on dark web ( SSN, Addresses, Names, Phone Numbers, Accounts ) XX/XX/XXXX Called Experian at XXXX to report account fraud. Representative advised to call another number and ask for account services. It was the same number. 
XX/XX/XXXX Called Experian at XXXX and asked XXXX for account services. XXXX refuses to transfer to XXXX and disconnected call.
Product: Credit reporting or other personal consumer reports

Dear TransUnion LLC, I am writing to formally demand arbitration regarding a dispute with your company concerning inaccuracies on my credit report. Despite my attempts to resolve this matter through your standard dispute process, the issue remains unresolved. 

**Details of the Dispute : ** - **Name : ** [ XXXX XXXX XXXX XXXX XXXX XXXX **Address : ** [ XXXX XXXX XXXX. XXXX, PA XXXX ] - **Date of Birth : ** [ XX/XX/XXXX ] - **Dispute Reference Number ( if applicable ) : ** [ Reference Number ] - **Social Security Number : ** [ XXXX ] - **Description of the Dispute : ** On [ XX/XX/XXXX ], I discovered that my credit report contains inaccurate information, specifically : - [ Description of Error # XXXX ] ( e.g., Fraudulent account status for account number XXXX ) I have previously submitted disputes on [ XXXX XXXXXXXX, XXXX ] through [ method : online, certified mail, phone ], and the responses have been inadequate. Enclosed are copies of my previous dispute letters, responses from TransUnion, and any supporting documentation. 

On XX/XX/XXXX I have Proof & documentation that you deleted this fraudulent item from my report based off of the supporting documentation you requested I provide : FTC report, social security card, proof of address. 

On XX/XX/XXXX, TRANSUNION started reporting this fraudulent item again after they deleted it. I called TRANSUNION informing them and requested them to delete it again and block it according to my FCRA rights of accurate reporting, TRANSUNION refused. 

On XX/XX/XXXX @ XXXX I spent 45 minutes explaining to XXXX from the special services department that TRANSUNION responded to a CFPB complaint on XX/XX/XXXX that the fraudulent item was deleted and that as of XX/XX/XXXX. XXXX from special services department stated that even though the TRANSUNION deleted this fraudulent about & its reappearing, shes refusing to remove the item as I requested.
Product: Checking or savings account

XXXX ( California ) Branch of Bank of America has blocked their schedule for appointments and they have refused two times to help me and I went to do urgent name change request as my account they opened and did mistake and this branch is refusing people as walk in. They can not refuse helping me and I am very upset about the mistreatment done with me two times and how can I make appointment if they have blocked the time or their is nothing available for several months and any day nothing is there looks like they can blocked it. People like me Why we need to go another city branch if I belong to this city and its the only branch in city.
Product: Credit reporting or other personal consumer reports

Hello, on XX/XX/XXXX I sent a letter to TransUnion consumer Solutions to dispute these unauthorized Inquiries. 

Inquiry 1. XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized Inquiry 2. XXXX Credit Card XX/XX/XXXX unauthorized Inquiry 3. XXXX XXXX XX/XX/XXXX unauthorized TransUnion never responded back to me, the letter was sent out XX/XX/XXXX. I didn't receive anything from them in the mail nor did they delete these unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( a ) ( XXXX ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX The following personal information is incorrect XXXX MO XXXX XXXX XXXX XXXX Fm XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. Employers : XXXX XXXX XXXX XXXX. Employers : XXXX & XXXX Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. XXXXXXXX XXXX  Date of XXXX : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report Please remove it from my credit report XXXX XXXX XXXX Section XXXX A. XXXX any consumer has the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without prior consumer written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX 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. XXXX XXXX XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Three Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you all know that each credit bureau is being sued as we speak for their dishonest practices, reporting that they verified, when they never followed UCC 1 308 Concerning the protocol and protection the clients information. Allowing these corporations to break the law and siding with them under false pretenses. 
Now, I expect you to read and act accordingly concerning failure to neglect these companies breaking laws. While you allow the credit agencies to report these fraudulent accounts that all have been doing illegal practices, inaccurate reporting, each bureau provides different information, bringing debts current when they are not. This is all illegally not ethical. 
Now concerning the information reported by these credit bureaus, I have never authorized my information to be shared with anyone. I have no signatures nor business with these collections and I also disputed them on my credit several times, which was never posted on my credit during the dispute. They remain on my credit during the dispute. 
LAWS BROKEN When you dispute anything it should be removed for 30 days along with proof not a phone call to debtors. They must speak to neighbors in person, Next, Dates and accuracy must all line up with information reported on every report, that is a law broken. 
Next, The amounts of any debt must be accurate. 
I spoke to several accounts and XXXX SAID I OWE THEM NOTHING NOW FOR TWO YEARS, They are inaccurate identify theft and I explained this several times my information was stolen from a US POSTAL SERVICE I reported this and they never reported it nor placed dispute one time. 
XXXX XXXX XXXX XXXX filed a 1099 C debt cancellation, and 1099 A to complete to balance which all products are prepaid using the cusip number. 
This debt was also included into the PPP Loan and write off on the original debt. 
Next the debt says payment is behind, late, and current. All illegal, the date is already paid for and I do not owe them anything. 
Next These collection agency do not have authorization to have my personal information especially with me being a secured party creditor not debtor. Acting in the Private. It is illegal to allow these people to contact me regarding the strawman 's debt using my social.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX  XXXXXXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX  CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX
Product: Credit card

The quicksilver capital one credit card sent me a letter for me to sign up for their credit card. 
I called their customer service number to see if I can be taken off their mailing list. They make it impossible to be removed from their mailing list if one has a XXXX with the USPS which I have. They asked me to leave my name on their recorded along with my address and phone number. They are obviously doing something wrong. They also are in business with XXXX.
Product: Vehicle loan or lease

To whom it may concern Huntington Bank is violating FCRA, by reporting my credit incorrectly. On XX/XX/2018 I spoke to XXXX XXXX at XXXX, when I received a notice stating this loan was late, and I promptly made a payment. After speaking to the cosigner on this loan, I found that there was in fact a payment made on XX/XX/2018, made by phone, but instead of Huntington putting the payment on the right loan they posted it on a XXXX XXXX loan # XXXX ( Which this is a breach of privacy that I have her loan information because of your XXXX up ) I called back the same evening on XX/XX/2018, and spoke to XXXX XXXX again at XXXX and explain the situation. He tells me that he has to put in a work order and that the payment on XX/XX/XXXX, will be pulled from XXXX 's account, posted correctly to my account, and the payment I made that evening would post for the XXXX payment. Oh and there is no confirmation number he can give me. 

Fast forward to XX/XX/2018, when I received another late notice, and realized the issue had NOT been fixed as XXXX said it would be. I spoke to XXXX at XXXX who put in another work order to have the misapplied payment applied correctly. She advised me to call back in 2-3 business days. I called back on XX/XX/2018, and  spoke to XXXX at XXXX, she told me the payment had been moved and it would be back dated to XX/XX/2018, when the payment initially was paid, and the next payment would need to be paid no later than XX/XX/2018. I told her at that time that I was concerned about this on my credit. I was rest assured it would not hit my credit and ALL late fees would be waived. 

Can you imagine my surprise when I received FOUR credit alerts on XX/XX/18 showing that Huntington reported this loan late for XX/XX/2018 dropping my credit score over 60 points I was at a XXXX to be dropped to XXXX? Even though it was XXXX XXXX, the call system stated that the branches were closed but the phone center was available. 42 minutes on hold, I just hung up and drafted this email and sent it to them. 

Today XX/XX/2018 I called XXXX, spoke to XXXX, who said he was not able to help, but he didn't see any late fees, and that they are not able to tell customers if payments will affect their credit score, he gives me XXXX informs me I have to talk to customer service. I talk to XXXX and she says she has to transfer me to loans, because guess what? She cant help either. I was on hold for 33 minutes during this " transfer '' before I hung up and called back to customer service to only find out they were closed for the even. This is a joke right? That is probably why I was on a forever hold because just like XX/XX/XXXX they were closed and now they are closed and there is nothing in the works to say that they are closed. A whole hour and 15 minutes of my time was wasted, which my time cost {$28.00} an hour so that is about {$35.00} that Huntington owes me for attempting to do their job.
Product: Credit reporting or other personal consumer reports

Second time I'm contacting the CFPB and XXXX will not allow me to do this online for whatever reason. I'm also requesting to understand the methodology being used in this investigation. This will also be escalated to the XXXX. I looked at my Transunion credit report on XX/XX/year> 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 ). In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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: Mortgage

After XXXX XXXX of trying to figure out a way to get current on our mortgage after we got behind from being on the covid forbearance program which was falsely represented when we signed up. That would be a whole other complaint. We finally got it figured out after lies, poor communication on loancares side, and stress. We went to make our first payment on XX/XX/01 and its really hard to pay getting a ton of errors after having my XXXX  also try. We find out on XXXX  they have been attacked by some hackers and no one has been able to pay, if they do their bank accounts are being hacked. Then we find out they tried to take out payment XXXX from our bank. We put a stop payment on it at out bank. How did loancare not alwrt its xustomers of the issue??? I had to find out on XXXX  and XXXX. I dont feel safe trying to make a payment again until things are handled better
Product: Mortgage

I applied for a modification. I was denied based on Debt to Income Ratio and my income was not high enough. The data used by Wells Fargo is old and is not my current income. They have documents that are 5 months old. 

I am making a considerable amount of money since that last data provided. The appeal form was sent in and I have not heard from anyone.
Product: Credit card or prepaid card

Mailed.on  XX/XX/XXXX  of current year to kohls handwritten letter regarding denial of a credit card and opening of a new one since my card was deactivated or closed and cashier suggested me to open a new account so I could get extra discount. I was confident in doing so because I have really good credit "  XXXX  '' To my surprise was denied and embarrassed felt insulted. Well I was to wait for a denial letter and all I can understand was they closed my account. I will attach letters that explain what all I have tried to do not because the credit card itself but I think it was an unfair treatment. I tried getting information through kohls customer service exactly why I was denied but nobody not even the supervisor could give me a response or explanation why the denial was to wait for credit report They have written twice to me that the credit report bureau could give me an answer. I order my credit report but I did n't see any negative remarks. I saw I had a   XXXX   score and  XXXX  on other   XXXX   reports. It 's not the credit card itself it 's the fact I should know the reason since I have excellent score. Could you please help me decipher this? Thanking you in advance
Product: Credit card

Received notification from the company, Synchrony for the first time. 

NoTransaction date. 
Notice dated XX/XX/XXXX. 
No purchase date indicated. 

We have not purchased anything from them in several years. 

Account number XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THis morning I received an email from XXXX XXXX saying that a new inquiry was just added to my XXXX credit report. * Because I know it can affect your score, I went to check to see what the information was as I certainly DID NOT give anyone permission to check my credit. 

My credit Report stated there was a hard inquiry made from the following : Inquiry details : GS BANK ( Bank ) XX/XX/2024 I have no idea what that bank is and nor did I give any permission for any inquiries to be made on my behalf. 

I would like to file a dispute with the credit bureau ASAP to ensure there has not been identify theft of some kind and this type of occurence does not continue to count against me.
Product: Debt collection

The OCWEN LOAN SERVICING account XXXX Date of First Delinquency has been re-aged on my XXXX credit report as of XXXX. This account has been delinquent since XX/XX/XXXX. The account has never been brought current and in direct violation of Fair Credit Reporting Act 623 ( a ) ( 1 ), Ocwen loan servicing knowingly and willfully reported inaccurate information to a consumer reporting agency in order to extend the reporting period of the above account. On several XXXX credit reporting disputes Ocwen loan servicing maliciously 'verified ' the fraudulent information to the consumer reporting agency as being correct in order to have it remain on my credit report. 
I have enclosed a letter from the last creditor acknowledging FDO as XX/XX/XXXX, as well as a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XX/XX/XXXX, and a copy of my Chapter XXXX bankruptcy from XX/XX/XXXX, making it currently XXXX old. This account has continuously been sold and resold. XXXX loan & gt ; XXXX & gt ; Ocwen & gt ; XXXX then re-added to my credit report and now re-aged. This is a fraudulent practice.