23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My Wells Fargo online account was hacked on XX/XX/24. The person who hacked the account changed the mailing address, email account and phone number. I have a printout of what the hacker changed my personal inforamtion to. I have contacted Wells Fargo and they changed everything back but are not taking this seriously. I wish to close all my accounts with Wells Fargo immediately.
Product: Credit reporting or other personal consumer reports

This is my 22nd 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 XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00}
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I received a letter in the mail from Synchrony Bank stating that they have lowered my XXXX credit line to {$4300.00} from {$7000.00}. The balance owed on this credit card was {$4100.00}. I find it no coincidence that my credit line was lowered almost to exactly what I owe on the card. I have had this card since XXXX with a few late payments but overall no major problems. 

On XXXX XXXX, XXXX I received a letter in the mail from Synchrony Bank stating that they have lowered XXXX XXXX my credit line to {$100.00} from {$2600.00}. The balance owed on this card was {$0.00}. I have had this card since XXXX with a few late payments but overall no major problems. 

Upon checking my credit report I have also found that Synchrony Bank closed my account with XXXX XXXX XXXX. The balance owed on this card was {$0.00}. 

I have contacted the bank to find out why they are lowering and closing all of my accounts. They have stated a review of my account has resulted in lowered credit lines essentially due to bad credit. 

Two of those accounts I owed nothing on and I have made the majority of my payments on time - when I have not, I have paid the late fees they have in place. Synchrony bank is destroying my credit further by lowering credit lines and closing accounts. I would like to know why after XXXX + years they have suddenly decided they do not want me as a customer anymore. What prompted them to hurt my credit score further and tell me they are doing so because my credit is bad. That makes absolutely no sense. 

Obviously I am beyond angry as my wife and I are trying to build/repair credit in order to buy a home for our family in the near future. Please do not tell me my credit is bad and turn around and make it even worse. This seems beyond unethical especially since my accounts were all in good standing. 

I would like explanation for this and to have all of my accounts reinstated. As well as any damage done to my credit report reversed.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach. As a result, my personal information has been compromised and used without my authorization, leading to the fraudulent accounts listed below appearing on my credit report. I respectfully request that these accounts be blocked and permanently deleted from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$00.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$790.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8TH endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021.
Product: Debt collection

I XXXX XXXX hereby files a complaint against a debt buyer hereinafter called LVNV Funding LLC, officially registered as a debt-buyer with the XXXX XXXX XXXXXXXX XXXX ( XXXX ) and bonded within the state of Texas. I have attached copies of the three credit posts that show as a debt buyer for a debt that never belonged to me, and under the Fair and Accurate Credit Transaction Act ( FACTA ). As a federally bonded agent in debt collections, LVNV Funding LLC did not follow protocol pertaining to the identity theft matter that I filed as a police report on XX/XX/year>. Under FACTA guidelines, once an identity theft protest has been established, the creditor or debt collector must remove the protested item and complain about its own validity investigation. The police report was put together with details, as my identity was stolen and used for credit cards and one vehicle loan. On each of those occasions, the original creditor and/or its third-party interest deleted the credit tradeline from each respective credit bureau. Under FACTA, I demand that LVNV Funding LLC remove each false debt buyer collection permanently. A report on any negative response will be reported to the Office of Attorney General, state of Texas and the compliance office of the XXXX.

( 3 ) IDENTITY THEFT.The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Commission may prescribe, by regulation. ( 4 ) IDENTITY THEFT REPORT.The term identity theft report has the meaning given that term by rule of the Commission, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Commission ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. 
Accordingly, the complaint I am submitting is valid, the collection is not, and must be deleted permanently from each credit bureau, XXXX, XXXX, and XXXX XXXX respectfully. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

A few years ago my social security number was breeched. As instructed I froze my number through Experian, XXXX, XXXX. The end of XXXX  I received notification that someone tried to open a car loan in my name. I received another letter that someone opened a bank account and credit card in my name which was closed right after due to suspicious activity. I attempted to sign into my Experian account to ensure my information is still frozen but was unable. I attempted to recover my account and discovered my account was hacked. My email, phone number, and security questions were all changed without notification. I have made several phone calls to Experian but it is difficult to get an a live agent. I uploaded the required documents to verify my identity and confirmed that the documents were received. The day after my documents were received I received an email that they would recover my account once the documents are received. I replied that they already have the documents but did not receive a response. Upon investigation i found that this same issue has happened to multiple people. I do not understand why this keeps happening. When I attempt to recover my account an email with confirmation code is sent to the other individuals email. Therefore I assume that person still has access to my private information. This is unacceptable.
Product: Bank account or service

At a Well 's Fargo Bank, I moved money from my mother 's savings account into her checking account the day before she passed away. This checking account has been " locked '' by the fraud department for almost 3 months. I have made numerous trips to the bank taking her death certificate, her will, her POA, everything the bank asked for and they still will not release the account. Now her debts are delinquent and mortgage about to go into foreclosure.
Product: Credit reporting or other personal consumer reports

Thus will be the last complaint because you now can clearly see that experian is deliberately keeping my score low to try and push credit cards. In the documents provided you can clearly see they wiped out XXXX XXXX of on time never late payments to XXXX now they say XXXX is pending and need more payments
Product: Credit card or prepaid card

I have had a wells Fargo secured credit card for over 2 years. Paid my Bill 's over the amount requested and never received an upgrade. Their excuse is I haven't updated my salary and I paid 2 days later than the time once. Everytime I call I update my salary. The manager I've spoken to is a completely rude and doesnt care about upgrading anything. I asked several times when the upgrade would happen and for 2 almost 3 years inXX/XX/2019will be 3 years. I have 2 cards that's been upgraded to unsecured and close to $ 15k and I still have this measly little {$400.00} card. They lie about the entire upgrade process.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry was made on my TransUnion credit report on XX/XX/2021 by a company called XXXX XXXX. I did not authorize this company to inquire on my credit report for any reason. I believe this inquiry was placed fraudently by someone trying to use my credentials to apply for credit under my name. I am requesting that this inquiry be removed or deleted from my credit report. I was alerts of a social security breach my XXXX Bank and my personal Information was reported to have been found on the dark web. I am requesting for this inquiry to be deleted/removed from my credit reports with Transunion XXXX and XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Item was deleted off my credit report before, I check my report recently and discovered it has return. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they are required to notify me of the reinsertion in writing within 5 business days. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for there blatant disregard for the law.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX received text from XXXX XXXX XXXX XXXXXXXX XXXX stating my loan is approved and thank you for signing. I told them I did not fill out any loan application. They asked me for my Social Security to which I did not provide. I gave them the application number and said they should be able to figure out from there to which they wanted me to call. Why should I call, so they can try to get more info from me to scam me. I asked for a copy of the application and they said I had to call. 
I want this inquiry removed from my credit report as I did not authorize any such application or inquiry.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Acct # : 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 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting Act XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXXXXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I tried calling to pay a debt no one was able to locate my debt when they said they located it they told me my last name was something completely different leading me to believe it was an error and I dont have a debt but my credit report shows different. The gentleman was rude and told me the account number I had was wrong and my Name and last 4 of my social said Im someone else multiple times. Never though it would be this difficult and be treated so poorly to pay a debt.
Product: Checking or savings account

Hello, I opened my M & T banks checking account using a promo. Here are some details : - Date : XX/XX/2022 ; - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Open any personal M & T checking account by XX/XX/2022, and make qualifying direct deposits totaling at least {$500.00} within 90 days of account opening and get this special offer ( {$250.00} bonus for XXXX XXXX XXXX ). The bonus will be credited to your account within 90 days of all requirements being met. 

What I did : On XX/XX/2022 XXXX ) I found the promo on XXXX 
2 ) It forwarded me to the XXXX XXXX XXXX XXXX 
3 ) Clicked Redeem Online ''. 
4 ) Put my zip code XXXX as requested- received the Good news! A cash bonus promotion is available in your area message. 
5 ) It forwarded me to the application where the promo code XXXX was already pre-populated. 
6 ) I filled in all the requested info and the application was approved and the account was opened. 

On XX/XX/2022 : My {$500.00} paycheck was credited to the account as a direct deposit. 

It's been more than 4 months since that direct deposit but I havent received the bonus though all requirements were met. 

Also, I contacted a bank representative using online account messages and got a reply that I was not eligible for the promo as my zip was not included in the promo area. 

I have a strong concern about that because : 1 ) There was no promo/eligible area ( or something like that ) in the promo terms and definitions on the promo page and during the application. See the attached prints of those pages. 
2 ) When I clicked on the Redeem Online '' in the beginning, the Enter your ZIP Code so we can connect you with special offers popup appeared and requested my zip code. Once I put it the A cash bonus promotion is available in your area message appeared. I think its a direct confirmation that my zip was considered eligible at the time of application. 

I think I fulfilled all promo requirements and should get that {$250.00} bonus. Otherwise, that promo should be treated as a false advertisement. 

Please investigate.
Product: Checking or savings account

Since XXXX of this year customer representatives from this company have continued to mishandle my account. I've been waiting for a transfer since XXXX of funds I have in my account. Customer representatives have blatantly disregarded my life in this process.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX  The amount reflected for the third consecutive month is not the correct amount in which I closed my monthly payment cycle on day XX/XX/year>. I demand that it be corrected immediately since this is considerably affecting my credit score, the indiscriminate use of your bank publishing my daily use of my card and not reporting the monthly cycles as is the norm and law. I appreciate an early solution
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX I looked at my Experian 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 ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

After noticing that I had an old mailing address listed on an electronic statement from UAS Connect, I logged on to attempt to change that information. I noticed I had 2 lines of credit open which I did not believe to be accurate. When speaking with a customer service rep she first acknowledged the two lines, stating the loan had been transferred and I remain with 1 line of credit with UAS. Once questioned on where this unknown line of credit came from, she spoke with her supervisor, then stated the loan was not transferred and instead I had 2 original loans at 7.4 % that were combined in 2019. When asked for the disclosure statements for the apparent refinancing she stated they do not have that information. I then asked for the original loan note from my original servicer ( XXXX XXXX ) that sold my loan to UAS, to verify that one loan, Not 2, at 7.4 percent interest was sold. again this information was not provided.

Despite my requests for original loan documents and escalation to any representative that could demonstrate 1 loan was sold to them from thrivent, remained one loaned at the original terms, and that there was no evidence of an extra loan as evidenced by my account summary currently showing two lines of credit they were unable to assist me. I have concerns that my loan was split into two original amounts with two separate interest amounts applied a, then combined without my knowledge of likely an error.

I will provide specific statements in my portal if needed but the original documents are not accessible per UAS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, XXXX, AND EXPERIAN USES XXXX OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS XXXX AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!
Product: Credit card or prepaid card

On XXXX, I received notification from the credit bureaus that my Capital One card was reporting a late payment of {$6.00} which was incorrect. I paid the entire balance of the card in XX/XX/. Capital One agent informed me there was an outstanding balance of {$6.00} which was not included in the payoff which was error and that they will correct the credit bureau and waive all fees. I never received any statement showing an outstanding balance NOR received any communication from Capital One. 

Additionally, based on this incorrect late payment reporting Capital One decreased my credit line from {$4500.00} to {$2000.00} on my additional credit card. Furthermore, causing me to receive adverse action on my credit bureau. Per Capital One, it was lowering due to the credit reporting agency has reported a recent credit delinquency ie my Capital One card. The agent says there is nothing they can do but to submit a credit limit increase request even though the error was their fault. This has severely impacted my credit due to the credit utilization score. Capital One needs to remove the credit late payment and adjust my credit line back to the original amount to make me whole.