23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Dear Citibank and AAdvantage Teams, I hope your day is going well! Thank you for your help in advance! 

I am currently a servicemember XXXX  and XXXX XXXX. I applied for the Citi AAdvantage credit card with the hopes and intentions of using the promotional offer of " XXXX miles after spending XXXX '' to finance a trip back home to visit my family, as it has been a really long time. I have flown with XXXX XXXX before and absolutely appreciated the respect and dignity with which I was treated as a servicemember. 

Well, after applying for the card, it was sent to the wrong address. After waiting over a month and no card ( as military mail is slow ), I contacted a representative. They sent another one, AGAIN to the wrong address. While waiting for the second one, I even contacted an agent and confirmed if it was sent to the right one, and they said it was, but lo and behold, after another few weeks I was told it was sent AGAIN to the wrong one. By the time I received it, the promotion had expired, and I did not even get the chance to use it!! 

I tried applying for an extension, but I received a letter in the mail stating that extensions can not be given ... with no reason as to why! This situation was caused, in the end, by the confusion of many representatives, and of no fault to myself. 

Please consider an extension, or a credit. I thank you for your time and help in advance!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to request the late payment stated on my credit report. I was never late in DEPT OF EDXXXX. Experian reported late payment while in TransUnion and Equifax it's positive account and no late payment remark. Also XXXX XXXX I was never late on this account. Lastly this is not mine account XXXX XXXX. Please investigate and delete to my account.
Product: Credit card or prepaid card

when I review my statement I found the transactions blow XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX   XXXX XXXX CA {$2800.00} XX/XX/XXXX XXXX XXXX XXXX CA {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$4100.00} I did not made those transactions On XX/XX/XXXX I filed a frud claim to Bank of america and they told me that the transactions will remove from my account But on XX/XX/XXXX I found the transactions again in my account I called bank of america many times but no answer I filed a claim with CFPB Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Someone from bank of america called me and told me that they will review my case Yesterday XX/XX/XXXX I received a letter from bank of america that my case is denyed I moved from my old address ( XXXX XXXX XXXX, XXXX XXXX ) before these transactions I did not made these transactions and I did not receive anything from this company and even I do not have XXXX account I should have no liability and I am secure with the credit card
Product: Credit reporting or other personal consumer reports

I have not initiated any transaction with any of these companies as listed : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Secondly, 15 U.S.C 1681 ( i ) 7 states that A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

I am demanding an expedited reinvestigation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a collection on my Equifax on report that I dont know anything about. However theres no way to contest it because I dont know what it is. I am 100 % sure that if I was liable for that I wouldve paid it. I didnt let anything go to collections. I have paid every bill and every co-pay from any place Ive ever gone. It doesnt even show what it is. In addition Ive had XXXX for years, New York state XXXX. Theres no co-pays. So even if this was a medical debt it wouldve been covered by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some accounts from my credit report that transpired because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX & XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. CHAPTER XXXX BANKRUPTCY FILED XXXX XX/XX/2020 {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as my follow-up complaint in line with my previous complaint. This complaint is to notify you to remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023 I was locked out of Chase bank account for unknown reasons. I went to Chase bank to investigate and found out {$3000.00} was deducted from my account into my XXXX XXXX account but I did not request the transfer. Chase Bank said they would start an investigation but that I needed to reach out to XXXX XXXX company. I had to open a new account but in the mean time my {$3000.00} is on hold through XXXX XXXX. XXXX XXXX is saying it will take 2 to 5 years to investigate the problem.
Product: Credit reporting or other personal consumer reports

During, the Pre-qualification process I discovered that several unauthorized judgments that I did not recognize. I contacted the credit Bureaus and Portfolio Recovery to dispute these judgments and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report and Portfolio Recovery refuse to provide me with any information because it doesn't match my social security number. This issue has and still is causing undue stress, has affected multiple pre-approval and/or pre-qualifications and has negativity affected my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my credit report and noticed these accounts that i didnt open or authorize
Product: Mortgage

On XX/XX/XXXX I received a letter from Faye Servicing. They returned my last payment with a letter stating " we are currently unable to accept payment for the following reason - our records indicate your loan is paid in full ''. In XXXX I received checks from Faye Servicing refunding my escrow account. When I received the letter stating the loan was paid in full I called the number on my statement. I wasn't able to speak with anyone so I left a message for someone to call me back that I thought there had been a mistake. I never heard back from them. I have the statement I then received in XX/XX/XXXX showing them reversing the amount that had paid off the loan. At this time the amount due was {$2800.00} I mailed them this amount then over the next several months I continue to send my regular monthly payments. Faye Servicing returned check for {$2800.00} via mail on XX/XX/XXXX along with a letter stating the total amount needed was {$2800.00} and it needed to be received by XXXX XXXX. I mailed check # XXXX for this amount after calling again and not being able to speak with anyone. Several weeks later, when this check hadn't been cashed yet I called and finally got someone on the phone, XXXX XXXX with Faye Servicing told me they couldn't accept this check because they can only accept the full amount due and that this check would be returned to me. She informed me at this time they would email me an encrypted letter showing the amount needed and that I would need to overnight them a cashier 's check. I received the letter from her on XX/XX/XXXX and it stated the amount due was {$5600.00} and it had to be paid within 30 days. I sent cashier 's check # XXXX on XX/XX/XXXX in the amount of {$5600.00} to be delivered on XX/XX/XXXX. XXXX XXXX called me about a week later and asked me if I intended to send the money, I told her I had, it was overnighted and had been delivered on XX/XX/XXXX. A few weeks later they deposited the check # XXXX as well, which they told me they would return to me. I called and explained this whole mess again the XXXX XXXX, how they messed up by returning my payments and marking my account paid in full in the first place. Faye Servicing made an error that caused almost a years worth of stress and mess. And now I'm told my credit reports shows all of these payments as late and is preventing me from buying a new home. My home is sold and closing on XX/XX/XXXX. I need these late payments that are due to their mistake removed from my credit report immediately.
Product: Mortgage

In XXXX XXXX my house was damaged by super storm XXXX. We received some funds from XXXX and through our flood policy however had to come out of pocket with a lot of funds as well. Inbmarch XXXX I received notice from XXXX that they were auditing all of the NY claims as they realized they had under estimated on the funds they paid out and had shorted home owners. I immediately filed for a review of my file. ThXXXXe determined that yes I was shorted and this XXXX issued a check for $ XXXX. Because I XXXX mortgage the XXXX was made out to myself and the mortgage XXXX servicing. I have contacted XXXX, specifically XXXX Frye, multiple times. He will no longer call me back. I had requested how I can get the check endorsed. there was no additional work done to my house and based on their track record of handling my mortgage servicing thus far ( you can see I have multiple complaints for basic servicing items ) I do not XXXX for just blindly send the check in without some assurance that they know what to do with it, endorse it and send it back to me. My husband and I laid out a lot of money out of pocket to fix out house and this will help, to replenish the savings we had to pay due to XXXX shorting us.
Product: Debt collection

this account below is not mine. i am requesting this company to validate and confirm this debt is not mine, i would like this account removed from my credit report in 30 days or less. 

B SOURCE RECEIVABLES MNG XXXX Directory : XXXX XXXX XXXX XXXX {$2300.00} COLL {XXXX} 001 - {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT INFORMATION DISPUTED BY CONSUMER ; ORIGINAL CREDITOR : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections that was paid off in XX/XX/2022 from XXXX XXXX XXXX that is still reporting on my Experian and XXXX credit report with different information and missing information on both credit reporting agencies I have tried to fix this problem with them. they said that they will remove it and it will come off, but still it has not come off, and I would like this information to deleted immediately. Under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lets start off with account is a court ordered discharged chapter XXXX account that was officially discharged in 2017. Company ( XXXX XXXX ) was officially notified by the United States Bankruptcy Court of the discharge injunction. 

XXXX XXXX has intentionally ignored and has no regard for an legal court order injunction. XXXX XXXX has no regards for consumer rights and has continued illegally and actively continued reporting the discharged account under many different status, such as account status closed, account type, open account, In collections/charge off, Account status derogatory, with a past due amount of {$1200.00} then states, account open again ( just on XXXX ) XXXX XXXX is lying , noting " verified as accurate '' claiming THEY investigated the information I disputed. Which by the way, my multiple disputes were actually NOT properly investigated at all. Maybe they couldnt access accurate account information because the account is SUPPOSED to be protected by the chapter XXXX bankruptcy DISCHARGE injunction. And this is why LEGALLY NO BANKRUPTCY accounts should be allowed to remain on ANY credit report! TO PREVENT INTENTIONAL FRAUDULENT UNFAIR CREDIT REPORTING! By allowing discharged accounts to remain on a consumers credit report creates a lot of problems and does not give the consumer their rights under FCRA and bankruptcy laws, a complete full clean slate that they are legally entitled to. 
Allowing discharged accounts to remain on a consumers credit report allows these company to fraudulently alter account information ( as you will see in my evidence ) so that it is different from the LEGAL court documents. And all of you agencies are FULLY aware of whats going on. But VERY little is done about it. Its very obvious your goals are to keep consumer ratings, scores and profiles in poor condition to solely benefit predatory lending/predatory practice. If your company stood for whats fair and encouraged whats right, these companies, reporting agencies and unfair lending would know they would be fined and sued and put out of business by doing illegal business.

All it takes is one person to stand up for whats right and properly handle these companies, the complaints and vultures accordingly. Hold them responsible for intentionally causing major major damage to a consumers report. Fine them and make them pay all the damages caused! 
This report has been forwarded to the United States Bankruptcy Courts. XXXX XXXX is in contempt of an court order discharge injunction and it will absolutely not go unnoticed. The courts need to know the entire ordeal after my bankruptcy with this company and how many times I disputed, how many times XXXX XXXX fraudulently altered details and how so very intentional all of their actions were.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 a letter was sent to Transunion via USPS tracking # XXXX XXXX XXXX XXXX XXXX. They signed for the letter on XX/XX/2023. The letter informed them that an account list on my credit report from XXXX XXXX  was not mine and that they needed to remove the account. On XX/XX/2023 Transunion sent a letter to me via US Mail that said they DELETED the XXXX XXXX  from my credit report. I then sent 2 more letters demanding the DELETE the XXXX account and the have failed to do so.
Product: Credit card or prepaid card

On the morning of Monday, XX/XX/2018, I logged into my Wells Fargo online banking account. I have noticed that my credit card balance seemed to be going up at an almost exponential rate. When I reviewed the online transactions closer, I noticed that every credit card transaction for months had been doubled. For example, monthly storage payments in the amount of {$300.00} were doubled, streaming TV subscriptions for {$29.00} a month were doubled, and store purchases were doubled. I have screen-prints and hard-copy printouts of the transactions ( attached ). 

As of this writing I have not contacted Wells Fargo yet, as these kinds of issues have been going on with Wells Fargo for years ( including switching my personal to a small business account ). I have informed Wells Fargo of past concerns and they have not taken them seriously - routinely diminishing and discrediting concerns. 

At this juncture, I can not trust Wells Fargo to act with transparency and integrity to fix this and other issues. I must wonder if this is the same type of " computer glitch '' that has recently plagued Wells Fargo ( with respect to home loans ). 

I am asking the Federal Reserve and CFPB to take a long, hard look into Wells Fargo and their practices and most certainly a review of their computer coding/formulas is crucial at this point.
Product: Debt collection

I recently was emailed and sent a letter about a debt that is owed to LVNV funding. I intern sent a letter to have this company validate thee debt, show ownership of this alleged debt and that I must legal pay them. This company did not validate this debt they have sent repeated harassing emails. LVNV failed to validate this debt they sent they sent a generic billing state that is not theres using my personal information without my consent. They placed a collection on my credit report that has harmed my credit.
Product: Consumer Loan

On XXXX XXXX, 2016 I received a letter from American Credit Acceptance stating they will not remove my dispute in regards to a hard inquire I disputes. In that dispute I requested American Credit Acceptance to provide me the documents they obtained that gave authorization for them to run my credit so I can verify its validity. American Credit Acceptance refuses to comply with my request. The name on the letter from American Credit Acceptance is XXXX XXXX. American Credit Acceptance is knowingly and willingly violating the FCRA. By them not providing me the documents it suggest they do n't have any therefore these inquireies have to be removed from my credit report immediately. If American Credit Acceptance continues to use delay tactics and knowingly and willingly not comply I will seek legal council and action. There dereliction of duty has resulted in a negative impact on my Credit Worthiness and credit score causing great distress..
Product: Credit card or prepaid card

I want to thank you first of all for extending me credit back when nobody else would. I have had my two capital one credit cards for a while now. I have had my rewards card for about 3 months now and the platinum secured card for about four months now. I have worked hard in rebuilding my credit and look forward to many years with my capital one cards. I have made every payment on time and try to keep my utilization under 10 %. I make multiple payments in the same month to keep my account balance low as possible.While I am grateful capital one has given me a chance to rebuild my credit i am having issues with capital one and their constant denial of a credit limit increase. Each time they have told me my account is too new or Secured cards are not eligible for credit limit increase. Every time i call into customer service to ask where that information is stated online or in my account access i don't get any answer and get a scripted response of their is nothing we can do. Asking for my account to be reviewed for consideration.
Product: Credit reporting or other personal consumer reports

The company sent an approved forbearance notice for XXXX  2024-XXXX  2024. However, the company reported the account as late for XX/XX/year>2024 and XX/XX/scrub>XXXX  2024. I have been denied access to other opportunities because of the recent dates of reported late payments by this company.
Product: Money transfer, virtual currency, or money service

I am being blocked from wiring funds from my account. I have complained about this previously to Wells Fargo and received a form letter telling me how to wire funds TO my account! I complained to cfpb and eventually received a letter from WF saying I was restricted to wiring {$75000.00} in 30 days, no waiver allowed. I did that but now it has been more than 30 days and I am being blocked from transferring ANY funds. As WF knows I can not go to my local branch, I am in XXXX. My name is XXXX XXXX. My phone is XXXX XXXX XXXX XXXX. This is URGENT. I believe this is RETALIATION by Wells Fargo for my previous complaint.
Product: Credit card or prepaid card

Hackers used my social security number and drivers license to try and open an account! It was denied, but I received a letter from the bank!
Product: Credit reporting or other personal consumer reports

EQUIFAX IS IN WILLFULL VIOLATION UNDER 15 USC 1681e - COMPLIANCE PROCEDURES. EQUIFAX HAS BEEN GIVEN PROPER NOTICE OF THEIR VIOLATI ON AND CONTINUE TO PLAY CHILDISH GAMES AND PROLONG THEIR GRAVE DUTIES AND OBLIGATIONS. EQUIFAX WAS REQUESTED TO EXERCISE THEIR GRAVE DUTIES AND FCRA OBLIGATIONS UNDER 15 USC 1681a(1)(2) - EXCLUSIONS -- AND REMOVE ALL TRANSACTIONAL ACCOUNTS THAT CONGRESS HAS DEMANDED BE REMOVED UNDER THIS PROVISION. UNDER THIS PROVISION. EQUIFAX HAS INSTEAD SENT A LETTER STATING THAT THEY COULD NOT VERIFY ME WHEN IN FACT IT IS A STALL TACTIC BECAUSE EQUIFAX WAS GIVEN PROPER VERIFIABLE DOCUMENTS LIKE MY LICENSE AND A BILL. EQUIFAX IS CHOOSING TO NOT PERFORM ITS DUTIES WITH REGARD AND RESPECT TO THE CONSUMER AND IS WILLFULLY VIOLATING FCRA REQUIREMENTS. EQUIFAX HAS ALSO COMMITTED FRAUD BY FURNISHING TRANSACTIONAL ACCOUNTS THAT HAVE BEEN CHARGED OFF AND WRITTEN OFF WHICH IS AGAISNT FEDERAL COURT CASE LAW RULING Mund v. Transunion Persinger v. Sw. Credit Sys WHERE IT WAS RULED ACCOUNTS THAT HAVE BEEN CHARGED OFF SHALL NOT BE REPORTED FOR THE DEBT NO LONGER IS OWED BY THE CONSUMER. EQUIFAX HAS STATED THE ACCOUNTS MEET FCRA REQUIREMENTS SO I DEMAND EQUIFAX PORVIDE SUCH REQUIREMENT STANDARDS IN RELATION TO 15 USC 1681a(1)(2) AND 15 USC 1681e. EQUIFAX IS AN ELABORATE MECHANISM THAT ASSUMED ITS ROLL TO REPORT NEGATIVE TRANSACTIONAL INFORMATION ON MY CONSUMER REPORT THAT CONGRESS DEMANDS NOT BE REPORTED AND HAS ALSO COMMITTED FRAUD BY REPORTING COLLECTION INFORMATION WHICH IS ALSO A VIOLATION UNDER THE FCRA AND FEDERAL COURT CASE LAW AND CLAIMS IT MEETS FCRA REQUIREMENTS IN HOPES TO TRICK AND LIE TO THE CONSUMER AND C.F.P.B.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts my information was stolen law code 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, my student loans are forgiven and paid in full. My tradelines are still reporting that I currently owe XXXX which they have been forgiven and paid in full. Attached are the documents proving that these loans are paid in full.