23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please Remove All XXXX 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 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 Please Remove All XXXX 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  Please XXXXemove Unauthorized Accounts ( Transunion, XXXX, XXXX ) XXXX XXXXXXXX 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 Under 15 U.S. Code 1681b, consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. I have never given any written consent to report these inquiries, and their presence on my report is a violation of my rights as a federally protected consumer.
Product: Checking or savings account

On XXXX/XXXX/2019, I made a cash withdraw from an ATM in XXXX, XXXX XXXX. The ATM dispensed cash in U.S. dollars in the requested amount of {$400.00}. The ATM advertised and charged a {$3.00} ATM fee. Synchrony refuned the {$3.00} as it fell under the $ XXXX monthly refund for ATM fees assessed. However, a 1 % or {$4.00} foreign transaction fee was also charged to my account on XXXX/XXXX/2019. I contacted Synchrony to inquire about this charge. Synchrony insisted they had not charged the fee and that the charge was coming from the other bank. I explained that the charge was not advertised on the ATM and I had not agreed to a foreign transaction fee thereby making the charge unauthorized. After some back and forth, Synchrony provided me with a Transaction Dispute Form on XXXX/XXXX/2019. I filled out the form, had it notarized by a licensed notary, and submitted the form to Synchrony on or around XXXX/XXXX/2019. As of XX/XX/XXXX19 ( 1 month later ), Synchrony has not processed my dispute or refunded the unauthorized foreign transaction fee amount of {$4.00}. As previously stated, the {$4.00} charge is not authorized. As it was not authorized, it qualifies as a fraudulent charge. Therefore, Synchrony must refund the {$4.00}. As Synchrony has not properly addressed this issue, I am failing a complaining with the CFPB to push Synchrony to address this issue. I also submitting this complaint to create a formal record of the issue and Synchrony 's inability or refusal to act on its customer 's behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my BA Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through rehabilitation in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my Masters Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in rehabilitation and determined to be XXXX XXXX XXXX from being hit by a drunk driver, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my MBA degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under XXXX 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX  Refuses to remove it. They hang up on me every time I try to talk to them about this.
Product: Checking or savings account

Wells Fargo lawsuit security breach and mishandling of accounts. Not sure of exact dates when I had my account. Ive had accounts in separate occasions with them. I want them to research how it impacted me and provide a resolution.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed Dispute items despite the avenues provided causing ongoing harm to my credit. I request immediate corrective action to remove or amend dispute accounts Experian 's inaction federal law am I right as a consumer
Product: Credit reporting or other personal consumer reports

My personal data was unlawfully sold and acquired due to my unfortunate victimization in the XXXX data breach. I urgently request the immediate removal of these unauthorized entries from my credit reports. Attached herewith is evidence confirming XXXX 's acknowledgment of my status as a victim in this breach, yet no corrective action has been taken.
Product: Student loan

I graduated in XXXX, and have been making payments on my loans since graduation. I worked for a nonprofit organization from XXXX and despite repeatedly asking Navient about loan forgiveness options, was told I was not a candidate. Now if I sign up for a program, I will be starting all over again. Not to mention, I have been unemployed for two months and called and was placed on forebearance but was told my loan payments will be the same when I return to work. I will be paying onthese loans forever!
Product: Prepaid card

I received an Amex Gift Card purchased in store. After activating this card and confirming that I have full balance ( minus three temp authorizations for transactions on XXXX which were all denied ). I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is repeatedly declined. I then tried again over the course of several days and other amounts less than the full face value. 

Many people have reported having this problem in the past 2 years.
Product: Credit card

ON XXXX/XXXX/16 I WAS MADE AWARE THAT I HAD A JUDGMENT FROM CAPITAL ONE BANK ON MY CREDIT FOR {$6900.00}. I HAVE NEVER OWNED A CREDIT CARD FROM THEM UNTILL XXXX/XXXX/16 WITH A CREDIT LINE OF {$300.00}. I FILLED A POLICE REPORT FOR IDENTITY THEFT AND FRAUD. I ALSO PLACED A DISPUTE WITH XXXX OVER A MONTH AGO. I HAVE CONTACTED CAPITAL ONE MUTIPLE TIME TO GET HELP AND ANSWERS. CAPITAL ONE REFUSES TO HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Acct # XXXX To Whom It May Concern : I recently pulled my credit report from XXXX, XXXX and TransUnion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with XXXX, XXXX and TransUnion and the results of the investigation came back as " verified ''. I did not have an account with " XXXX XXXX '' during this time period. Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it.
I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter. In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with your company. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30day period. To avoid a lawsuit, I request that you remove the account from my credit report. Please delete this listing or I will be forced to seek legal action. Sincerely, XXXX XXXX
Product: Prepaid card

I have received many Vanilla Visa gift cards worth {$620.00}. I have tried to use them at many physical stores such as XXXX XXXX, XXXX, XXXX XXXX and XXXXXXXX XXXX. I have also tried using them on XXXX, XXXX, XXXX, XXXX and various others. The cards state they can be used anywhere XXXX is accepted, but that is simply not true. They also state on their website that they gift cards can be added to my XXXX XXXX, which is also untrue. I have contacted Vanilla Gift cards twice ( XX/XX/24 and XX/XX/24 ) and was told both times all they could do was reissue the cards and that maybe I was not using them correctly and to try a different retailer. Each time they have been used at a retailer, they have been keyed as credit/debit cards just as Vanillas customer service has stated. I have confirmed that all of my cards are active and do have funds on them. If XXXX of their XXXX cards do not work, reissuing more cards will not help.
Product: Debt collection

They keep contacting me over a debt i do not owe quit contacting me or ill sue you!
Product: Credit reporting

I filed a dispute complaint about 45 days ago, and nothing changed on my report these acct has been sold to different collection co. for over 7 years they are not mine, im XXXX did n't knowall this was going on in my report, I know I had id thieft XX/XX/XXXX I 've been in an out of hospital I want my credit back and make it rightht they all are small amount I do n't have money to pay for something that 's not mine
Product: Mortgage

My mortgage company is stating I 'm behind on my account. Per my calculations I should be up to date. They have applied my monthly payment towards other fees without my authorization, this cause for my account to be at default assessing late charges on the account and reporting over 30days past due. Until this date, I have requested for someone to review my account and explain to me how my funds are being distribute to my account. I get no answer, representative only state " I will mail you out a payment history report '' this is not the solution. I need answer. I requested to speak to a Supervisor and was told her name was XXXX she was unprofessional. I asked her to please go over payment history report with me to inform me where in my part I defaulted on my loan. I 'm 100 % sure my account should not be past due. I need assistance and need someone to inform me where I defaulted and no one in this company is taking the time to review my account to proof them wrong.. I expect my credit report to be fixed and my account back up to date.
Product: Mortgage

I am trying to cancel my mortgage insurance. We bought our condo for {$600000.00} in XX/XX/XXXX with 10 % down. We now have a LTV of less than 80 % based off of the original purchase price. I put in a written request on XX/XX/XXXX to cancel my mortgage insurance early from Lakeview Loan Servicing ( subservicing by XXXX  ) after we got below 80 % .I got a letter from XXXX saying I needed to do a Broker 's Price Opinion ( BPO ) for {$100.00} to make sure the value of the condo has not gone down. The result of the BPO was that the value of the house was below {$600000.00}. 

My complaints are as follows : 1. The original BPO on XX/XX/XXXX was external only as shown in my original attachment making it an invalid BPO of my property for these purposes. As outlined in the XXXX XXXX   requirements, XXXX XXXX XXXX, under section, Ordering Property Values for Mortgage Insurance Termination, " On one-unit properties, the servicer must order an interior and exterior BPO. '' To resolve this, XXXX needs to order the correct internal and external BPO at their own cost to replace the invalid BPO they made me pay for in the first place. 

2. The second issue is that once this new internal and external BPO is complete, if the BPO is below the original purchase price of {$600000.00}, I should, but wasn't offered the option to pay down my LTV to 80 % of the BPO value. This is outlined by the XXXX XXXX in XXXX XXXX XXXX,  under the section Borrower-Initiated Termination of Conventional Mortgage Insurance Based on Original Value of the Property, under the section 3. Verify the current value of the property is not less than its original value, and finally in the last row of the table. " If ... The BPO or appraised value is less than the original value of the property, then the servicer must ... deny the borrower 's request for termination unless the borrower pays down the mortgage loan balance to the point that it satisfies XXXX XXXX XXXX LTV ratio eligibility criterion. " ( which is 80 % under 3. Verify the current value of the property is not less than its original value ). To resolve this, Lakeview should give me the option to pay down the mortgage to 80 % of the LTV and remove my PMI.
Product: Debt collection

These people called on XX/XX/XXXX about some debt I don't think I owe. I told them not to call back. They called back on XX/XX/XXXX and insisted I hadn't told them not to call back and said I just hung up, I told them to review the call they'd previously recorded
Product: Credit card or prepaid card

I recently applied to an American Express Hilton Honors credit card. I was denied for no reason and no explanation, which makes absolutely no sense. They request submit letters from my bank to prove who I am and my address, taking time out of my busy day. I have never in my life ever had to do this! I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. I submitted 2 bank letters going out of my way and losing days work over this and I have yet to hear back from them. I feel I'm treated unjust here. 

I am planning on traveling and I believed AMEX Hilton Honors is the right choice for myself especially as I will be staying at Hiltons XXXX. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration and they were no help they kept asking for documents, banking letters etc. I submitted and still no response. This is very unethical on their side. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.
Product: Credit reporting or other personal consumer reports

I have filed multiple FTC Id theft affidavits and police reports XXXX the XXXX XXXX XXXX  Police Department concerning my information, cell phone, and accounts being hacked/compromised, as well as being a victim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have multiple hard inquires on my credit report that I did not do and that impact my credit. BUT TRANSUNION XXXX AND XXXX REFUSE TO EVEN ALLOW ME TO DISPUTE THIS. Transunion shows the credit inquires on my credit report and the hard inquires that impact my credit on the credit dispute option but I have no ability to even dispute these fraud inquires even with the ftc paperwork or Police reports. They refuse to investiagte these at all. I have attached a screenshot of TransUnions credit dispute options online and they only say here are the inquiries that impact your credit and they do not allow any investigation into these items that impact your credit.
Product: Credit reporting

XXXX, and XXXX is reporting an account that is not mines. I have files a police report, filed an identify theft report with cfpb and Equifax continued to report the fraudulent account.
Product: Credit reporting or other personal consumer reports

TRANSUNION is reporting an account THAT IS CLOSED!! on my credit report : Potential Account number XXXX showing on TRANSUNION report. 

The report states a balance still owed, but this account have been paid off and closed as shown on all my other report from XXXX, XXXX  and even transunion prior to XX/XX/2023! i am attaching proof of the reports that shows they are reporting inaccurate information that are affecting my credit worthiness without verifying accounts and my consent! 
all other credit burau are reporting properly that all my student loan accounts have been paid of as agreed and with no balance owed including this account. 
Per 15 U.S. Code 1681 Without them being able to provide me with the original contract with my signature, I am requesting that U S DEPT OF ED and TRANSUNION to have the incorrect item removed immediately from my credit report that is causing damage to my name and credit worthiness. 

i need to make sure they not keep reporting inaccurate information and need the CFPB to have them comply with the laws and preserve my rights! Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 60 120 days past due on the XXXX partial account numbers XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 14 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

I'm submitting this complaint in reference to GLOBAL ASSETS AGENCY knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq
Product: Debt collection

Collection account for {$620.00} Collection account : Jefferson Capital System I do not recollect any legal agreement with this company and this account was reported on my credit as deficient
Product: Credit card

On Tuesday XX/XX/XXXX, I received a notification from XXXX that Bank of America had reported a missed payment. I thought this was unusual as I do not use this card. Upon reviewing my statement from BofA, I saw that a magazine subscription that I believed would end in XXXX had been renewed for an additional year subscription on XX/XX/XXXX. I promptly called the magazine and they had no problem returning the full amount to the Bank of America credit card. That amount, XXXX, was received by BofA today, XXXX XXXX XXXX 

I called Bank of America to inquire as to why they never contacted me regarding the late payment in the prior months and that the charge was in error and refunded. They told me I had selected paperless statements which somehow means they dont have to email statements or notices either. The statement for XXXX said I would be charged a late fee. I was not, however the Bank found it necessary to report the missed payment anyways. If it was late why was the late fee not charged? The card had rewards dollars that could have been used toward the balance, yet the Bank did not do that either. 

I asked if since the original charge was refunded and unauthorized if they would rescind the notice to the credit bureaus. They specifically told me that had I disputed the charge with them and not the merchant directly that they would have, but to dispute it now after it had been refunded would not be in my interest. I asked what the difference was and they were unable to give me an answer. 

This card has been active for 13 years and had never had a missed payment before. XXXX told me that the Bank can use its discretion to remove derogatory marks at will but Bank of America would not reveal under what circumstance they would do so and told me that I should contact the credit bureaus again. I have submitted disputes to XXXX, XXXX and XXXX.
Product: Debt collection

On XX/XX/23 I sent a letter To CAP ONE AUTO XXXX XXXX XXXX XXXX, TX XXXX requesting XXXX. Documentation verifying the legitimacy of the charge-off, including details of the original debt and any supporting records. 
XXXX. Proof of any communication or attempts to collect the debt. 
XXXX. Any agreements, contracts, or terms related to the account. 

I have not received any validation of the account. Instead I received voicemails, text messages, and emails regarding a balance on the acct ending in XXXX. 

Please see attached documents
Product: Credit card or prepaid card

I applied the IKEA projekt card on XX/XX/XXXX and got approval for 0 % apr in 6 months. However, IKEA started to charge my interest started from XX/XX/XXXX till XX/XX/XXXX. I called in on XX/XX/XXXX to IKEA and asked them why. They said the promotion was ended in XX/XX/XXXX. But still they need to charge me interest from XXXX because other purchases. And they could not give me a definition of other purchases. All the purchases I made was happened in IKEA. And they charged me {$81.00} start from XX/XX/XXXX to XX/XX/XXXX within my promotional period. Its nonsense and XXXX is the supervisor who helped me who agree is non sense but she can not make the refund.
Product: Credit reporting or other personal consumer reports

It appears that my 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 which is 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 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