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

I have called Eqifax, Ive even sent certified mail explaining to them you are reporting XXXX inquiries on my credit report, which are not mine. And yet still they are still reporting the inquiries, every time I call they tell me I have to send in documents which I did to all 3 credit reporting agencies, XXXX and XXXX XXXX has honored their part and removed all the fraudulent inquiries on my report and Equifax refuses to remove them. Since last year Ive been sending letters to Equifax and Im yet to get any results. I have been denied credit because of this. And Im going to hire a lawyer to pursue legal action. Its not right XXXX inquiries and wrong address on my report, and they need to be held accountable.
Product: Checking or savings account

Someone with unauthorized access to my account added a linked bank account and withdrew {$9900.00} without my knowledge or consent. I did not provide my password to anyone and did not request the withdrawal. I notified XXXX immediately that there was an unauthorized withdrawal. XXXX negligently allowed that withdrawal to go through without any review or waiting period. XXXX has not implemented appropriate processes and controls for XXXX withdrawals. They have refused to acknowledge that they have duties under Reg E, and have tried multiple times to get me to indemnify the bank in order to get my dispute reviewed and processed. They have refused to answer any of my requests for information and took a week to acknowledge receipt of my signed copy of an unauthorized withdrawal form that they asked me to complete. They have not offered a provisional credit and have conditioned investigation of the dispute on my indemnifying the bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of the account associated with XXXX XXXX XXXX ), which continues to appear on my credit report despite my repeated disputes. This account is unauthorized, as I am a victim of identity theft, and I have provided ample documentation and reports to substantiate my claim, including an FTC Identity Theft Report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), creditors are required to block fraudulent information upon notification of identity theft, which includes this account that does not belong to me. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) protects consumers against identity theft and mandates reasonable actions by creditors to avoid further harm to victims. Comenity Capital Bank, XXXX and XXXX 's failure to address this matter constitutes a disregard for my rights under both federal and state laws. Please consider this letter my final notice to resolve this matter by removing the disputed account entirely. If this account is not promptly removed, I am prepared to escalate this issue with additional regulatory authorities to ensure compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion credit report has 20 unauthorized credit inquires, I have attempted to contact the companies with no success, therefore I send Transunion a dispute in writing, they made no attempt to investigate the inquires and mailed me a letter stating nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus never did a proper " investigation '' according to FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with whom he is acquainted or who may have knowledge concerning any such items of information. 
they did not do such thing. 
Also, they have violated my rights even more in accordance with the fair credit reporting act everything has to be 100 % accurate on the credit report. 
the credit bureaus stated my account was property investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate an the date last reported is not accurate .this grounds for removal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards XXXX  the incorrect items on my credit report. It has been over 60 days XXXX  I haven't received any investigation results.
Product: Checking or savings account

My name : XXXX XXXX Ph # XXXX email : XXXX Name on Account : XXXX XXXX XXXX XXXX XXXX Citibank XXXX NY Branch Date promotional deposit of {$100000.00} made : XX/XX/XXXX I made a deposit of {$100000.00} into my above Citibank on XX/XX/XXXX under the Citibank promotional deposit scheme that {$1500.00} will be credited into my account after XXXX months and if money remains in the account for 6 months. 
The money has remained in the account for over 1 year ( actually money balance is still {$100000.00} in the account as of date XX/XX/XXXX ), but Citibank refuses to honor their commitment to credit me with the promotional amount of {$1500.00} into my account. 

I have contacted XXXX XXXX XXXX, XXXX Citibank XXXX, NY Branch repeatedly for over 9 months now, but she refuses to credit the {$1500.00} promotional fee amount. She keeps saying " matter is escalated '' for last 6 months ( after initial complaint ) now, and I feel that this is going beyond normal and routine delay. 

Please help me get the {$1500.00} promotional fee that they advertised they will pay, and ask them to honor their commitment, after keeping my {$100000.00} for over one year now. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

They merged my credit file with my brother 's credit file because we are relatives with similar name and same address.
Product: Credit card or prepaid card

Someone fraudulently applied for unemployment benefits in my name and now I have received a pin number and debit card from US Bank. I Have tried to notify Unemployment by phone, email, chat and mail. On line the first appointment is XX/XX/2020 which is 19 days away and that is only to chat on line. I am filling out forms for UE Fraud with XXXX XXXX XXXX and through my employer. I have never filed for UE.
Product: Credit card

On XX/XX/23 I submitted a balance transfer request from XXXX XXXX card ( XXXX XXXX ) to XXXX XXXX. On XX/XX/23 I could not use my credit card due to security verification needed. The rep said the balance transfer request was done online and we need to ensure it was you. I verified the transaction but there was some mis-information about delivery times to XXXX XXXX and what method would be used ( paper check to them or ach payment ). 
Today XX/XX/23 I requested the balance transfer to be cancelled. The reasons being the delay with validating my identity and lengthy processing time I will not only be paying a balance transfer fee and accruing interest at XXXX XXXX. 
The reps at XXXX stated to me today the transaction could not be cancelled because it was in process ( estimated time frame 14 days ). The supervisor stated that I agreed to the terms and conditions. No where in the terms and conditions state the balance transfer can not be cancelled. I was informed it can only be cancelled when a check is issued or an ach done to XXXX XXXX. This makes no sense. Can CFPB please provide assistance. Thank you for your time/
Product: Credit card

PayPal 's interaction with XXXX XXXX unearths an alarming pattern of financial entanglement when a person registers for the latter 's services and attempts to cancel on the same day. Upon registering with XXXX XXXX, I discovered that my trial subscription had accidentally locked me into a six-month commitment. Despite promptly attempting to cancel, I encountered resistance and was informed that I would be charged the full subscription amount, irrespective of usage. Despite seeking assistance from both PayPal and XXXX XXXX, I found myself unable to resolve the situation, highlighting a troubling trend of users being financially disadvantaged in such scenarios.
Product: Mortgage

I am writing because I am currently about to be foreclosed upon because I am unable to sell a home I purchased in XX/XX/XXXX. I am unable to sell the home because of a fraudulent note provided by XXXX XXXX XXXX XXXX and a 10 year interest only loan I was given by Bank of America as a result. Here are the circumstances that led to my signing the note : On XX/XX/XXXX when I signed my contract to purchase my home from XXXX XXXX, the contract had a cost estimate evaluation for a XXXX Interest Only ARM ( see enclosure ). After the contract was signed, XXXX XXXX Mortgage company was unable to procure this ARM and offered me a sub-prime loan which I refused. After I found my own financing, XXXX produced a HUD 1 statement with a 30 year fixed mortgage at a 6.5 % interest rate. At the closing table in XXXX 2005, I read the settlement paperwork and instead of a fixed rate of 6.5 %, the interest rate was stated as prime plus 1 %. I was told by the XXXX settlement staff that the numbers were the same and it was just worded differently. I even called the XXXX mortgage agent at the table and she assured me the numbers were the same. I left the settlement table and went directly to a local Bank of America to confirm the loan I signed was the same as the XXXX HUD 1 statement. The Bank of America banker said it was not and that he would fix it. He produced a note that had the same interest rate and monthly payment as the HUD 1 and I simply was n't knowledgeable enough to notice it was a 10 year interest only loan ( see enclosure ). I did not learn it was an interest only loan until a Bank of America representative who was looking into a loan modification for me in XX/XX/XXXX wondered why my principal balance had not changed after 4 years of paying my mortgage. I never missed a single payment in 4 years until Bank of America forced me not to pay for three months in order to qualify for the loan modification. In XX/XX/XXXX, Bank of America gave me a 45 year mortgage with a 5 year ARM ( see enclosure ). I have submitted all of the paperwork I can find regarding the statements I made above. I called the XXXX Settlement Office to obtain a copy of the mortgage paperwork with the prime plus 1 % information but they said XXXX Settlement company destroys all records after 7 years. To add insult to injury, out of the XXXX homes XXXX sold on my block, the only XXXX families in the neighborhood ( I am XXXX ) are in XXXX adjacent houses. I was completely unaware that I had XXXX days to rescind the loan but it probably would n't have mattered because I was so unfamiliar with these bad mortgage products. 
Hopefully the government can look into this incident to keep it from happening to other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Money transfer, virtual currency, or money service

XXXX  ( formerly transferwise ) deactivated my account on XX/XX/XXXX with more than XXXX USD and as of today XX/XX/XXXX my money has not been delivered. More than 90 days - 3 months have passed and my money has still not been delivered to my XXXX account that I provided in the appeal. They sent me an email and told me that they paid me but it is a lie, the money has not arrived. The 60-business-day deadline for the due diligence that you talk about so much has already expired.
Product: Mortgage

I have not heard anything further from PNC. The initial reply was incomplete and I replied on XX/XX/22 with an explanation as to why. I replied to the Executive Office and nothing. 

I wish for the CFBP to be more proactive and help me get this handled. 

Original complaint - XXXX This is terrible service from all.
Product: Credit card

Called AMEX since gift card was not being accepted anywhere even though the {$75.00} balance has not been touched and shows available on the card. Took hours to get through to a rep who hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information for XXXX XXXX XXXX XXXX. 

Reporting on XXXX # XXXX {$500.00} Status Date/XX/XX/XXXX No Last Date of Activity Reporting on Equifax XXXX/XXXX   Investors # XXXX {$500.00} Status Date XX/XX/XXXX No Last Date of Activity Reporting on XXXX XXXX XXXX # XXXX {$500.00} Status Date XX/XX/XXXX and reporting as a Charge-off with a balance. 
No Last Date of Activity Per the FCRA 611 this is information must be accurate and consist across all bureaus.

Please Delete ASAP.
Product: Credit reporting or other personal consumer reports

Medical bills/debt added to collections by United Collections Bureau and XXXX XXXX XXXX XXXX 
UNITED Collections ( {$1100.00} ) opened in XX/XX/year>, XXXX Partners ( {$520.00} ) opened on XX/XX/XXXX. Wasn't even aware of these bills. 
Original creditor for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Score decreased by XXXX points which is absolutely insane.
Product: Debt collection

on XX/XX/XXXX I received a call from my Mother-in-Law in California that she received a call from XXXX XXXX of GCAB ( XXXX ) and that I was getting sued for a debt owed. I called XXXX back immediately and after verifying my information told me they were filing a class action suit for a XXXX XXXX credit debt. I told her it was part of our bankrupt several years ago and that I would call my lawyer to give them this information. She stated she had my lawyers information and would note it in my file. 

Calling a elderly family member is wrong when I do not owe any money.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my extreme frustration and dissatisfaction with TransUnion, XXXX, and XXXX for their continual failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Your failure to adhere to these regulations has caused me significant stress and financial hardship. Despite my efforts to resolve the inaccuracies on my credit report, I have been unjustly subjected to high deposits and denied approval for a vehicle. As a veteran who has served this country, I believe I should be granted the same opportunities as any other citizen. 

My identity has been compromised, resulting in erroneous accounts being reported on my credit profile. I have submitted Federal Trade Commission ( FTC ) reports, character witness statements, and police reports, yet these inaccuracies persist. It is clear that your organizations, which profit from consumer debt, are willfully neglecting their legal obligations by refusing to remove these disputed items. 

Moreover, I have observed that your dispute processes have been outsourced to foreign nationals who lack the necessary understanding of U.S. regulations to verify the disputes accurately. When I request the method of verification, I am never provided with details on who verified the information, where it was verified, or the documentation used for verification. For example, how can a company verify a late payment or claim balances on charge-offs? It is unacceptable that I am dealing with negative items on my credit report that I did not create.

I am aware of the Consumer Financial Protection Bureau ( CFPB ) case against XXXX for fraudulently reporting investigations into consumer disputes. This further highlights the misconduct within your organizations. If these issues are not resolved promptly, I will have no choice but to pursue legal action for libel, defamation of character, and violations under the Racketeer Influenced and Corrupt Organizations Act ( RICO ), as it is evident that you are colluding with creditors to extort consumers.

I demand immediate action to correct these inaccuracies and a thorough review of your dispute processes to ensure compliance with all relevant regulations. Failure to address these concerns will result in further escalation.
Product: Credit card or prepaid card

I contacted Nordstrom card through their secured messaging to let them know I needed help after a XXXX XXXX my child had and its going to affect us financially. They wanted me to call instead of communicating over messaging. I am XXXX XXXX and have a very hard time XXXX and XXXX over the phone. When I brought this up Nordstrom card kept saying to call. And I repeated again that it wont work for me because Im XXXX XXXX. No one seemed to care and refused to comply to XXXX methods when it came to my XXXX Instead of working with me Nordstrom Card reported me as 30 days late when I needed help. I feel like Ive been discriminated. I am a XXXX veteran along with that. 
I also asked them to stop calling my phone but they continue to do so. Speaking louder or yelling or whatever they had planned doesnt do anything for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi - I got a hard inquiry on my TransUnion credit report dated : XXXX XXXX, XXXX. This inquiry is in error. The inquiry looks like it is from XXXX XXXX. After researching a bit, I found out that this is a commonly occurring entry on people 's credit scores without them requesting it. My XXXX XXXX took a hit by XXXX points because of this. I tried calling TransUnion but I only got to a customer service representative once and did not receive any help. I would really appreciate any help I can get in this matter. 

Thank you! 

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

I am a victim of identity theft, im filing this complaint because XXXX is violating my rights, I have accounts on my credit report that was open due to fraud, my information was exposed in a data breach I have sent documentation to prove Im a victim of identity theft and XXXX has refused to acknowledge my complaint has ignored it, i will seek arbitration and sue XXXX if they do not comply with my complaint and evidence, they damage my name by protecting these companies that has illegally used my information to open these accounts in my name I want these accounts removed I do have a police report proving that my information has been used and my signature forged on accounts, XXXX XXXX XXXXXXXX XXXX XXXX accounts for XXXX, XXXX XXXX XXXX XXXX credit card, these companies has used every piece of information i XXXX recently sued XXXX for leaking my information on the dark web and my information was compromised, I have documents to show even the us government did an investigation and sent my a letter stating I was a victim of identity theft and still this credit reporting agency is ignoring the fact my identity was stolen and being used. Either they take these accounts off or will seek a demand for arbitration an sue XXXX, XXXX sends contradictory information to my email, I want these accounts removed from my report I have proven Im a victim of identity theft and I will keep these complaints to show that XXXX is failing to protect my information, they already had a data breach and exposed my information, if these accounts are not removed I will start the process for arbitration, now remove these accounts and stop sending emails asking for the same information I send through Consumer Financial Protection Bureau, please investigate XXXX they have denied my rights and they protecting these companies that have used my information for gain, please investigate, XXXX do your job .not excuses I am a XXXX, no where on these documents show XXXX, thr XXXX XXXX XXXX has to consider me XXXX  because me and my dad have the same name, these accounts do not specify my suffix i sign my name as XXXX  to keep my information from being used or identity stolen, unfortunately XXXX and XXXX XXXX has leaked and compromised my information Im also sending a letter from theIRS showing that Im a victim of identity theft, my information was used in XXXX of XXXX, a scammer over in another country used my information to try to defraud the government out of thousands of dollars, now I have to use a identity theft pin so the IRS knows its me filing my taxes XXXX contradicts them selves by sending me information asking me to send them that would remove these accounts and says XXXX thing but means another my information has been compromised this information is enough to remove and block any of these accounts, I have substantiated my case of identity theft now remove these accounts and stop violating my rights under federal law i will sue if this continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 account that are showing on my credit report that should not be reporting
Product: Checking or savings account

I was set up illegaly by wells fargo for the XXXX  product for three months in XXXX and over a decade until XXXX. These deceitful practices need to be address with Wells Fargo and this has caused to lose trust in other businesses. They have failed to show me how much of a loss I took during those times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my XXXX XXXX by reporting fraudulent accounts, this constitutes the crime of defamation. I sent XXXX XXXX XXXX a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery.