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

I have a 0 % Credit card with BA for 12 months. After 11 months I had not paid the entire amount due. I scheduled an appointment with the bank as to ask what to do. When I got there they told me not to worry that we could just take another credit card out. They told me this way I had more time to pay because the card I was using was only 12 months and I should take out another that had 15 months. I was concerned that the extra card may harm my credit but they told me it would only affect about 10-20 points and would go back up once paid. I am not a banker so I was trusting this employee. I waited about 7 days and didn't see the balance transfer so I called him. He told me it takes 10-14 for the card to arrive and everything to transfer. After about 3 weeks I tried to make a payment but the old balance was still on the card. I went into another branch where I learned that this card was only for purchases and not a transfer. This is not what I asked for. Not only did they lower my credit score from XXXX to XXXX I now have to shell out XXXX to pay the old card off, which I was forced to. This was misleading and I believe was an successful attempt to sell me a useless credit card for my needs to benefit someone in the office. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXXt XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

XXXX XXXX Verify this account XXXX XXXX Is not mine XXXX XXXX XXXX I never have late payments XXXX XXXX XXXX XXXX Is not mine inquiryss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I tried to Cancel my XXXX XXXX subscription by calling its XXXX number multiple times on XX/XX/year> because they lost all the XXXX and XXXX XXXX. I was unable to get through because the phone lines were overwhelmed. I was traveling and unable to get to an actual XXXX location until XX/XX/year>. I brought all my remotes and receivers and cancelled my membership at the store in XXXX XXXX The store employee told me since I couldn't get through on the phone line I would not have to pay my XXXX bill. 

Months later they sent me a bill and I asked them to refund as the employee specifically told me I wouldn't have to pay. They have since turned the bill over to a collection agency. 

I was a XXXX client for over XXXX  years and never missed a payment.
Product: Debt collection

I ask them for payment history showing my last payment date and amount. They refuse to show me that proof
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to describe bills that they sent us to pay. We never rec 'd them until XXXX when they sent a letter describing that the the account was 2 months late. We immediately paid off the XXXX $ credit card, XXXX refunded the late charges, but still reported us to the Experian, XXXX and XXXX. We had XXXX and XXXX credit scores and b/c of the {$24.00} reported to the all credit bureau 's our scores have dropped XXXX points each starting a spiral effect of not being able to refinance our home. I have tried on mutiple occasions ( 4-5 calls into customer service, 2 calls and mutiple conversations with my personal banker at XXXX and more than 3 internal complaints filed ) to resolve with XXXX and not one single individual from their credit department will call me back. I have disputed the information on each credit bureau sites mutiple times. Each time XXXX says that they did send me a bill. I never rec 'd a bill to pay. You may look at both my husband and my credit history and never find anything like this to happen before. I DID NOT receive a paper bill to pay despite the ones they say they sent. The credit card department told us that we had seleted paperless billing. We would just like this removed from our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting on my credit report erroneously.
Product: Mortgage

I have been a  XXXX  customer for nearly a decade and have always paid on time. I have an excellent credit history and rating. I paid my last payment to  XXXX  for the month of  XXXX . Approximately 30 days ago I was notified that my mortgage was sold to  Nationstar. Nationstar t hen proceeded to bill me for the month of  XXXX . I called them and explained the issue and they ultimately confirmed that it was their error and that  XXXX  was received by  XXXX  and transferred t o Nationstar. I t hen asked for an amortization schedule so I can confirm that this was corrected and any possible other errors might not exist, so I would know that my mortgage was in good status. They informed me that this standard loan report was not something they supplied. How can I possibly know if my mortgage is now correct without simple data such as this? I was then transferred to a supervisor,  XXXX   XXXX , who told me she would attempt to obta in one, which she ne ver followed thru. After sending several emails to her, she then provided me with a fraudulent amortization schedule she appeared to produce thru a generic software. I responded and at this point included her supervisor,  XXXX   XXXX , in the  email trail. Her supe rvisor has never responded. She however did respond that because I threatened legal action, which I did not except to state that I would be filing a complaint with NYS, she would no longer respond and I was being passed off to the customer relations department. I attempted to call this department to try and get this settled and was told by customer service that phone calls were not permitted and I had to write a letter. My payment for  XXXX  is coming due. I 've never been late on my mortgage payment ever! They have been completely uncooperative. They will not supply a standard amortization report that the entire industry provides and utilizes. Finally, they provided me with a fraudulent document in an attempt to resolve this matter. Can you assist? Thank you,
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion XXXX a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payments for XXXX and XXXX, XXXX are incorrect. I made the payments on time, as confirmed by my bank statements, which show that the payments were processed and cleared. The late payment status of " 30 days late '' is, therefore, inaccurate and should not be reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we began a process with Robinhood Financial LLC to transfer ~ {$81000.00} from our account to a wire address. Several arbitrary reasons were given why they would not complete the transfer so we agreed to their terms. 

By XX/XX/XXXX we completed all of their requirements and they still delayed sending the wire. Following up via phone and text over the next few days did not result in the wire being sent. We have several screen shots of the text logs where inaccurate and just false information was provided along with the ever present : A. No one knows the status of the wire transfer. 
B. I you can not speak to someone who would know the status of the wire transfer. 
C. No manager is available. 

All week there has been no follow-up from Robinhood and no call from management. Today XX/XX/XXXX after being given false information by another agent ( XXXX ) I was told by an agent ( XXXX ) that the wire was approved and would be sent by XXXX. 

At sometime around XXXX I received a message from Robinhood that my account has been restricted and no withdrawals from my account can be made. I feel this was done to prevent the wire from being executed. That led to several calls to Robinhood for them to verify who I am and again my account is being reviewed for some reason that no one is able to tell me and no timeline on the review process. 

Robinhood is engaging in theft that is being wrapped in an arbitrary and obscure procedures that no one there is able to explain. Their limited and one-way customer service and obscure procedures is a mask that is being used to launder the theft of funds.
Product: Debt collection

This company is attempting to collect a debt that 1 was the result of identity theft, and 2 never contacted me because the address on that account was a fraudulent address and in fact I have never lived there. I will be looking into ways to hold this company accountable for trying to collect a debt on lawfully. I will be taking legal action, as well as file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have sent out multiple dispute letters to the 3 bureaus ( XXXX, XXXX, Experian ) with very little success. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are Unathorized and I want them off my credit. The bureaus continuouslly stall and its very annoying.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/2021 Balance : XXXX Experian is reporting this account as open. Obviously an account that has been sent to collections should not be listed as an open account. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please DELETE this item immediately. When the requested above deletions are made, please mail me an update copy of my credit report Kind regards
Product: Vehicle loan or lease

Hello, I bought my vehicle in XXXX and XXXX XXXX XXXX XXXX Colorado never sent in my paperwork to my lender so i have no idea where my title is. XXXX XXXX XXXX is now shut down and no one is there to help me or many others that are in this same situation.
Product: Debt collection

Hi this company has XXXX accounts on my XXXX, it was from Financial fraud and Identity theft, It was removed several years ago with the help of CFPB and all the credit reporting agencies. and now both accounts has been Resubmitted from the same company. I want this removed Back off my report I had all read proved and won this issue. Hard core proof. I also was living out of the country full time at the time of the XXXX and XXXX theft. I want it removed and please have them to stop putting it back on after it was taken off Account # XXXX XXXX {$1000.00} Fraud Account # XXXX XXXX {$1000.00} Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have been on my credit report over 4 years. By the Pennsylvania State laws on this it is illegal to try to start the statues over, such as XXXX is trying to do now, see attached. And it is illegal to pursue collection actions when it is over 4 years for credit cards, medical or any collection, see attached. I have written to each of these companies in the last 30-60 days asking to show me a contract between myself and them and Ive recieved nothing from any of them. Please remove these items from my credit report, on all three XXXX, XXXX, XXXX as they are the ones whom are allowing these bogus companies to just do anything, report anything they want. None of the three reporting agencies has proved any contracts to me as I have written to all three to prove these debts. All they keep saying is its verified, but wont say how??? Its updated, all empty spaces and nothing is proven to me not a contract, nothing!!! Why is this allowed?? By law if its wrong it must be removed. If its out of date must be removed. So please remove immediately!!! Thank you
Product: Mortgage

in XXXX i spoke to my mortgage company to try to ask for a deed in lieu of foreclosure. They would not speak to me about it and told me i would have to email a hardship letter. I did that, they never got back to me, so i called them. they told me they would not speak to me the property was in litigation, i should speak to my lawyer. on every statement i get it tells me i may call and speak to XXXX different people, which they will never speak to me, because again its in litigation. I called mu real estate lady and asked her if maybe we could try for a short sale. they would not speak to her either. in between i have called and called and never received any paperwork. they have my new address since XXXX. the last letter i emailed told them i never have gotten any paperwork and i do n't have a lawyer, so if anyone states they represent me its fraudulent, also that they have an incorrect address on the mortgage paperwork. also i had a bankruptcy several years ago that took away a home equity and XXXX mortgage with same company bank of america.
Product: Credit card or prepaid card

I was recently reviewing my credit card statements. I was VERY surprised to see my last couple of payments have been applied to a promotional balance that expires on  XX/XX/XXXX  vs. the promotional balance that expires on  XX/XX/XXXX . I found this to be a little shady and asked a manager or supervisor to explain how/why this happened. I also requested those payments be applied to the promotional balance that expires on  XX/XX/XXXX  vs.  XX/XX/XXXX - since  XX/XX/XXXX will be here sooner than  XX/XX/XXXX . On  XX/XX/XXXX  I was called by a Manager   XXXX   XXXX   who explained that nothing improper was happening with my payments. I then explained how PNC is applying the payments will allow them to collect interest in  XX/XX/XXXX since they are applying current payments to a balance due in  XX/XX/XXXX . FIRST - so when  XX/XX/XXXX  comes I will either have to pay a very large credit card bill OR my credit card account will be assessed interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with Citibank 'Citi Custom Cash Mastercard XXXX and was denied credit for reasons that do not apply to my profile : -Too many recent credit inquiries -Filed Bankruptcy -Previous/Existing account has history of late payments -Credit privileges on existing account ( s ), currently restricted I do not ( or ever ) had this kind of reporting on my credit. Nor have I ever had business w/Citibank ( current/past ). I actually applied and was invited via my XXXX  membership ( as a 98 % approval match for credit ). 

To advise : I have Fraud Alerts on all 3 credit agencies. 

Now have a 'hard inquiry ' for ( 3 years ) because of this decline and want to know how to remove this hard inquiry from my credit report for this discriminating and false information.
Product: Checking or savings account

So I opened a checking account with BMO and was unaware that I could not deposit checks for my company into my personal account I am so proprietorship of this company and it caused my account to close after I deposited seven checks in my company 's name into my personal account. BMO then close my account with over {$9000.00} in my account after the checks cleared the writers account and refuse to give me my money stating that it's fraud. I provided BMO a letter from the IRS showing that the company I am so proprietorship for and I also provided them letters from my customers who wrote the checks to me stating that the funds have cleared their accounts and that they know that the funds are meant for me doing business as my company name. BMO refuses to speak to me or give me my money after closing my account and every time I call I get hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 12 years now, I have summited identity theft on my credit reports, I haven't received any info. On how to solve the issues, but I am certain I know who is using my name, her name is XXXX XXXX, her maiden name is XXXX XXXX, she always was married under the name XXXX, then XXXX XXXX XXXX, I am certain this person is still continually using my identity please help me cease this person 's actions regarding my name
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrectly reported balance and late payments this is open account and never been late or over the limit
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. 

Please remove the following fraudulent items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

sent a police report to Experian in XX/XX/2018 XX/XX/2018 XX/XX/2018 stating my identity was stolen 3 inquires on my report. That I never made I asked for proof of my identity no one can provide. I've recently cent removal of inquires letters in the Mail. Please remove XXXX
Product: Credit card or prepaid card

My card is locked and I've been trying to reach someone over American Express Serve to resolve the issue with no lock. I cant access funds or receive funds because of the issue with the card. I need help getting the card unlocked or to get a new card.
Product: Money transfer, virtual currency, or money service

Hi - Ive had Gemini for about two months and today I tried transferring my crypto to a hardware wallet. It was the correct address, I verified my device ( it somehow didnt recognize the same device id been using it with for 2 months ) and then inputted the Authy code that was generated. It said your transfer requires additional review and can not be completed at this time. 

I emailed customer service to ask why this was. Is that the only way to reach them? 

Then, I ignorantly clicked to add approved addresses only to see if that would fix the issue. And inputted the correct hardware wallet address. Then it said I wouldnt be able to withdraw crypto to this address FOR SEVEN DAYS! XXXX! And clicking disable approved addresses only said the same thing - cant withdraw crypto for a seven day hold time! 

XXXX is going on with this company? Non-existent customer service, not open on weekends, delayed replies, a customer service phone number that doesnt even work. 

What do I do? Please help. I just want my Bitcoin and money back. 

Support Ticket IDs : XXXX and XXXX