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

on XX/XX/XXXX I received a response from synchrony bank saying that they were going to tell the credit bureaus to delete some inquiries that are being reported on my credit report. There were XXXX inquiries in total and only XXXX have been deleted. XXXX and a half months have gone by and XXXX of the inquiries are still being reported, they are SYNCB/TJX DC from XX/XX/XXXX, XXXX from XX/XX/XXXX and XXXX XX/XX/XXXX. Please help me get this resolved fast and thank you in advanced. I have included synchrony bank response.
Product: Credit reporting

Dear XXXX : I would like to report of wrong information about my name and social security number As reported by Experian Credit Agency XXXX 
( 1 ) they have posted wrong social Security Number on my report. The number they have posted for last XXXX digits XXXX are not mine. 
( 2 ) they have reported my another name as XXXX XXXX. That name does not belong to me at all. I have never ever changed my name. My real and original name is XXXX XXXX And as such they have accepted collection charges from unauthorized agency and posted on my report. 
May I ask your help as how can I get this corrected. In spite of my disputing these points With Experian, they have not taken any action nor they have responded. 
Thanking you XXXX XXXX
Product: Credit card

Citibank again has not credited me for the payment i just made of {$140.00}. My account was not credited for the payment and they are charging me fees and interest not yet due on the next payment.
Product: Credit card or prepaid card

I was involved in an employment scam which started on XX/XX/19 I was required to purchase items on my Credit Card. In which the fake company reimbursement me using what I found out now is a fake account number. So I made the purchases paid with the account number then my balance on my credit card was restored so I made more purchases since the payment seem to have went thru I shipped the product out. After 6 weeks of this all of the charges came back to my CC as the payment was denied. At that point I found out I was being scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachment. This is the response that I received when I requested the Method of Verification for the fraudulent Discover Financial Services account. XXXX  is refusing to validate this debt. They are also updating the XXXX date each month which is also a direct violation of my FCRA consumer rights. I am hereby requesting for this fraudulent account to be removed from my account due to XXXX XXXX inability to validate the account.
Product: Checking or savings account

I had a bank account at Bank Of Hawaii. On XX/XX/ someone fradualently wired our of my account {$5.00}. As soon as I found out I contacted the bank. They will not talk to me and will not give me any information what happened on my account. I need help.
Product: Credit reporting, credit repair services, 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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I XXXX Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Student loan

I took out this loan while XXXX XXXX in 2005 the original amount for was XXXX. XXXX Ive paid XXXX ( XXXX over the cost of the original loan ) I still currently owe a place of XXXX. I called key bank and aes to look at the history of the loan because by the time its paid off I would have paid more than XXXX on this loan. I believe this is a case of predatory lending as I did not know this payment originally was for 20 years for XXXX. The minimum payment on the loan was so low that I would never have paid if off. I called about 5 years ago to have the loan reviewed thats when I found out the term of the loan was for 20 years.
Product: Checking or savings account

JPMorgan Chase Bank, N.A. has denied me access to my online Chase Bank account, they have refused to assist me with unlocking it, or whom I need to speak with in resolving this " error '' please call us to help you unlock your account. Sunday through Saturday from XXXX to XXXX Central Standard time I call them repeatedly, I have gone into Chase Bank Branches, I have contacted their Executive Office from their number which I retrieved off a past complaint filed against them through the CFPB. 

Chase Bank has me in a negatively financial impacting status, I don't know where my money is going, I am unable to dispute charges, and even if I could dispute charges, I can not view the account transaction history, nor view statements, nor send them messages on the secure message center feature, and this has gone on for months. 

My next step, is seeing Chase Bank in a criminal district court of XXXX XXXX, TX, and pursuing them at all cost.. This is uncalled for, and although the Fraud Department is the department I was always told to call, and speak with, they too said they are unable to help. So Am I supposed to be in negative deficiency of debt, and a negative balance of which I do not know what's going on, whose making transactions, or what I could possibly to do to put a halt to this. I have my income taxes, stimulus, federal benefits, employment income from my State Agency Office Job, and my campaign election funds are also managed within my online Chase Bank Account in a separate account, and now I am locked out of accessing them to proceed with my campaign for XXXX XXXX in XXXX XXXX, TX-State XXXX of Texas. The XXXX XXXX is the XXXX XXXX, and XXXX, and overall head authority in charge for overseeing the XXXX XXXX of our XXXX XXXX XXXX XXXX XXXX Texas. 

This has gone to far. 

Not to mention, I have my other deposits from other sources, IRS, refunds I am owed from accounts I was able to dispute without having access to my Chase Bank account, and the list continues.
Product: Credit card or prepaid card

My cat was hospitalized at a vet. I was charged for an XXXX that I did not authorize. The provider is lying, saying I gave verbal authorization, but I did not. in addition, during my last conversation with the doctor, he suggested the next diagnostic tool would be an ultrasound. They would not give me my cat back until I paid and would not provide me an invoice until I paid first, therefore I did not see the charge. ive tried to dispute this charge several times with care credit unsuccessfully. I have the initial estimate that I signed, which does not include an ultrasound. The provider stated I agreed to miscellaneous charges, which I was told would be for medicine, not an ultrasound. A ultrasound would be listed separately as a diagnostic tool. This contradicts them saying I verbally agreed. Had I verbally agreed they wouldnt need to ask since I already authorized miscellaneous charges only for medication. Furthermore, the miscellaneous charge amount was {$300.00}. The amount I am disputing is {$490.00}. So even if I had agreed the amount was more than I agreed to. When I initially brought this up to the provider, I was told by the nurse that the ultrasound had not been performed and they would adjust my bill accordingly. Later on I spoke to someone else and they said that the ultrasound had been performed but they didnt know where the results were. After that, they changed the story again saying I verbally authorized it, and a doctor spoke to me about the results. Again thats never occurred. Carecredit said they will no longer dispute the charge. Please assist me with this matter. As you can see from the estimate I agreed to, no ultrasound was listed. Each diagnostic test was listed separately. I appreciate your assistance. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have had three car leases with XXXX. My current lease expired the end of XX/XX/XXXX. I decided to extend car lease for 6 months. The company reported XX/XX/XXXX payment late and now I'm not able to get another lease as the same tier as my previous lease for the one payment that was late because auto payment was disabled due to end of lease. I attempted to call Nissan Customer service on XX/XX/XXXX and was told there is nothing that can be done. The XXXX dealership also told me that no one can help me out.
Product: Credit reporting or other personal consumer reports

I'm Requesting an inquiry removal in regards to the inquiry made on XX/XX/year>. I was sent a promotional email for a credit card. But I was not given the correct product that I intended/ applied for. I called XXXX XXXXXXXX to resolve the issue and was given specific instructions which included waiting for a response/ resolution which never occurred- ( all calls are recorded please refer to the call that was made ) I am writing to formally file a complaint regarding an unauthorized or incorrect inquiry on my credit report. I believe that this inquiry is the result of an error made by XXXX XXXX in relation to a product that was not what I had requested or applied for. 

I applied for a credit card with XXXX interest for 12 months but was mistakenly provided with a different product, which led to the credit inquiry being performed. I did not authorize an inquiry for this specific product, and it does not reflect my intentions during the application process. 

I have contacted the company, and despite my efforts to resolve this issue, the i

nquiry remains on my credit report. This incorrect inquiry is adversely affecting my credit score and creating potential issues with my creditworthiness. I am reques
ting that the Consumer Financial Protection Bureau investigate this matter and assist in the removal of this incorrect inquiry from my credit report.

Please let me know if any further information or documentation is required from me to facilitate the investigation. I look forward to your prompt resolution of this matter. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I booked a hotel for a conference in XXXX Washington on XX/XX/XXXX for {$690.00} via American Express travel website. The hotel is over XXXX XXXX miles from my home. My reservation was for XXXX. I did not arrive at the hotel until Friday, XX/XX/XXXX. When I arrived at the hotel I witnessed that the hotel was not in any way the same shape that it was represented on the website. The hotel was in a very bad side of town, it There were roaches at check in, I brought this to the attention of the young lady that was at the front desk. I got my room key to head to my room. I took the elevator to my room and there were roaches in the elevator, as i went to my room there was a male and a female in the hall right by my room yelling, cursing and fighting. The hallway smelled like extreme XXXX. I entered my room and the room had stains in the carpet and on the sofa. The male and female were still in the hallways yelling and fighting. I immediately called American Express and told them that I booked this hotel based on their website. I did not feel safe for my life and the hotel was not clean or sanitized. I explained that I was leaving and I needed to find somewhere else to stay. I left immediately and found a different hotel. I stood outside and I explained to the representative that I was misled based on the pictures on the website. There is no way that I could have known that this was not a safe area being as though I lived over XXXX miles away. I explained that I was disputing this charge and I needed this to be escalated to receive a full refund. I was told I would get an email and American express would contact the hotel for a refund. Since I have spoken to 3 managers and received two emails from American Express, they were working on it and I still have not been refunded. I provided my flight and XXXX  information as proof that I did not stay at this hotel and I should be refunded. Access trip id : XXXX and reference # XXXX. My final call was on XX/XX/22, I spoke to a manager XXXX. She told me to send my flight and XXXX documents and she would have escalated to receive a full refund. I haven't heard anything since.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ) XXXXBalance : {$560.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : $ XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a notification from XXXX XXXX a new collection was added to my credit on XXXX XXXX. I have not open or applied for services with this company. I have also mailed the company, XXXX Assets Strategy, a debt validation letter, on XXXX XXXX. The debt has yet to be validated. I have informed Frontline Assets Strategy, I will sue if this is not removed from my credit as well. I have not received a notification from this company verifying my signature from an agreement form for this company.
Product: Mortgage

I have Nationstar Mortgage company for my home equity loan and they forced place flood insurance on me for {$560.00} I have recently payed them back plus paid them for anther year, then I went to buy my own so they don, t have a escrow on me and they refuse to except my own and refuse to cancel the escrow. they have been charging me extra and holding my check until the grace period is over and charging more interest. They even told me they would do that if I don, t continue to pay a escrow!!!! WHAT CAN I DO?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports from all agencies continue to report I have continued late payments on accounts, also, delinquencies on accounts. I have not been late or delinquent on any accounts in years. I would like this corrected, as well as all information seven years or older. I have attempted to have this done, but the person I spoke with told me I wasn't able to request that by done. I have requested other times, and the old information was taken off. I have accounts stating they are closed when they were paid off in full. Please address these issues, and update my file and score. 

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

am a victim of identity theft, I have a ftc identity theft report and I want these accounts removed from my report, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX credit card, these accounts are fraudulent, my information is being used to open these accounts, I have no knowledge of these accounts and Im asking, experian to remove these accounts, I am now suing XXXX for a data beach and XXXX XXXX for exposing all my information on the dark web, no fraud alerts please, please remove accounts from my credit report, please tell Experian no excuse they do not help when I call so Im using this process because of rudeness and unprofessional people so please remove all these accounts, I have enough information Im providing I did file XXXX  complaint against experian, I want these accounts gone experian is in violation of the FCRA, experian has violated my rights, attorney says this can become a legal issue please delete these accounts, I am a XXXX none of these companies have it on documentation as me being a XXXX I was told by a lawyer that I hired to sue XXXX XXXX and XXXX that all my information was leaked on the dark web, social security number, drivers license number, phone numbers, addresss, emails, I want these accounts taking off or it becomes a legal issue I will sue
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act EXPERIAN has violated my rights, 15 USC 1681 Section 602 A Section 2 : states a consumer reporting agency can not furnish an account without my written consent. 
I have NOT given my consent to do so, I wrote a letter certified mail and received an email saying they are processing my " dispute '' I did tell them to dispute anything, I demanded a DELETION! 
Those accounts are INNACURATE, and I have DEMANDED Experian to delete the following accounts IMMEDIETALY : XXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXX  : {$10000.00} XXXX XXXX  XXXX : {$6500.00} XXXX : {$6300.00} XXXX XXXX XXXX : {$580.00}
Product: Credit reporting or other personal consumer reports

My personal data was leaked in several data breaches. I use XXXX XXXX to monitor my personal information and I was informed that my personal information such as Social Security number, date of birth, name and address were leaked. Also the balance on the credit card accounts could include fraudulent purchase and fees. Per the Right to Privacy Act XXXX USC XXXX my information should have remained secure and never reported on any credit report without my consent. 

The accounts in question are as follows : XXXX XXXX Account # ending in XXXX {$3600.00} XXXX Account # ending in XXXX {$11000.00} XXXX XXXX Account # ending XXXX {$9800.00}
Product: Checking or savings account

I was unable to establish a savings account While trying to establish a savings account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas they refused to start the account. I was XXXX to the US at the age of XXXX from XXXX so I do not have a passport. I provided them with a legally obtained Texas drivers license my employment authorization card from the XXXX and my XXXX and they still refused to start and account. They repeatedly asked for a passport which I do not have because of being XXXX here. This was explained to them by my friend who was with me the entire time. I was later able to obtain an account at another bank here in XXXX with the above mentioned documents without an issue. I feel I as though I have been discriminated against by XXXX XXXXXXXX XXXX XXXX XXXX XXXX here in XXXX Texas. Would the have started my account if I had more money to deposit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased this vehicle XXXX of XXXX. I hit a rough path in which i fell behind on payments. However i always remained in communication with ally in regards to payment arrangements and have made every arrangement. At the start of the lease the car was repossessed in XXXX. In which the car was picked up the same day the car was taken. The car was taken around XXXX it took a few hours for the car to come in the system so i can get the pricing of the amount needed to get the car back and the steps needed. I submitted the payment via XXXX money transfer as instructed collected the car within 4 1/2 of the car being taken. Once i collected the car i stayed up to date with my payments. For almost a year payments werent reflecting on my report after months and months of waiting for my report to be updated with on time payments, after being promised of 3 late payments being removed from my report none happened. Now fast forward to XXXX of XXXX it showed on my report as if i havent made any payments since the car was taken and redeemed no body could give me any answers after multiple investigations submitted to ally through customer service and hearing someone will contact you within 5-7 business days Id call back and they stated no claim was submitted and would tell me theyll Make sure they submit it. After about 5 months of trying to get my credit report updated they finally updated it however now i have redeemed & repossessed showing on my record when the car was even gone longer than 5 hours the total amount was paid in full. The report was updated with on time payments showing and since then no payments have been added to my credit report everytime i contact ally its a bunch of excuses and stating covid is the reason for the delay and theyll manually update my reporting but that has yet to be done. My lease is up in XXXX of XXXX and now its hindering me with these negative reporting and no payments showing on my report to get a new vehicle. Ally can never seem to rectify these issues. Ive contacted and talked to numerous supervisors that stated theyll get everything escalated and that they understand my frustration but yet nothing has been done in regards to this matter. Once i got back to my steady job payments have been on time if not made early making payments in advance. This is ridiculous that i have to take these measures to get everything situated
Product: Student loan

I fell that my school was place to high so that they can get extar money from me and my family!! It was way over price and the interest was way higher than I imagine before sign up and I try to get the best monthly payments but that was to late.
Product: Credit reporting or other personal consumer reports

This morning, I noticed some incorrect accounts appearing on my credit report, and I have no idea how they got there. I check my report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Due to this issue, I request a thorough review of the documents I have submitted so that I no longer have to worry about this problem.