23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The company 's customer service is extremely hostile. They have locked me out of my account and I can not have access to my statements which are needed for filing my taxes. I need access to my account so that I can retrieve my statements.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The XXXX and XXXX XXXX has been disputed on XXXX and deleted but they are still on my Experian and XXXX and the need to be removed for inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX  XXXX, XXXX  XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, US DEPT ED XXXX, XXXX XXXX XXXX DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts inquiries from XXXX XXXX in XX/XX/2021 were done fraudulently. I spoke to the trans union several times, who refused to remove. The information can not be found in XXXX XXXX  because the are listed with fraudulent either wrong name or address. I had a total of 6 cards applied for in the same day and Transunion is the only bureau to remove the fraudulent accounts. A police report has been filed but should not be needed as these accounts are unverified and unauthorized as I told them. These accounts should be deleted immediately.
Product: Debt collection

I was contacted by my employer XXXX/XXXX/15 who informed me that XXXX XXXX of Viking Client Services, XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX Case XXXX had contacted them regarding a debt I allegedly owed regarding a rental car that I had been involved in an accident totaling the vehicle. It was a personal rental non-business related. They were trying to collect the debt thru or from my employer. I believe that XXXX had contacted my employer as well seeking payment of the debt and informed them of the debt and my damage to the vehicle. 
I do not believe either party should have contacted my employer and endangering my employment status. The rental was in no way business related and I have only recieved XXXX letter from this collection agency which I am in the midst of responding to but their very disturbing actions have precipitated this request for assistance.
Product: Debt collection

Around about XXXX XXXX, 2017 I received a letter for me to dispute the debt within 30 days.The letter was sent out on XXXX XXXX, 2017 however I did not receive none of my mail until around XXXX XXXX, 2017 when I gave the debt collector a call. All of my mail was sent back to the post office trying to forward it back. I had to call the post office and walk in to speak with someone about my mail. I call the company Hayt, Hayt and Landau, P.L. an left a message stating that I just received this letter and I will like to dispute the debt. I  explained in the voicemail that I was not receiving my mail and that I have proof. I did not receive a call back neither anything in the mail. I tried calling them again and no answer. On X/XX/2017, I also sent to Hayt, Hayt & Landau, P. L., a Creditor/Debt Collector Declaration and I have yet to receive anything back from them. by law I was under the impression that they have to provide that information to me. No answer to my certified letter. The next thing I know I am getting a lawsuit served to me on X/XX/2017.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Hello, I submitted a complaint a few months ago and this is a part of that same complaint. 

I have had credit cards with Chase bank for many years and never had a problem. For security reasons, I have always had automated services for every single charge in my credit cards. On XX/XX/XXXX at XXXX XXXX, i received an automated text message inquiring if a charge of {$7700.00} was processed. I immediately answered NO and declined the transaction. Following, I went to the online site and disputed the charges. The Merchant was " XXXX XXXX  ''. I did not know if it was a real company or not. I asked for a new card immediately. 

On that same day, XX/XX/XXXX at XXXX XXXX and after I had disputed the charges and asked for a new card 5 hours earlier that day, there was a new charge to my now old and frauded card of XXXX {$1300.00}. For some reason, it later became {$900.00}. 

Chase bank was aware that this was also part of the same fraud because it was done on the same, old and frauded card that was already cancelled. This was communicated to their team several times over the phone. They even asked for an email from XXXX confirming this. I was able to get confirmation from XXXX that I do not exist in their records. More importantly, have never used their services. 

When submitting my prior CFPB, my main focus was the {$7700.00}. As CHASE was aware, had proof and made logical sense that these were together ( purchase after cancellation ), I did not address this topic here. 

Thanks to you, Chase agreed to pay the {$7700.00}. Now again, they have posted {$900.00} from XXXX. The Merchant did not recognize me or any family member. We were not registered in their database and did not want to see the specific transaction on the date or time. They can not find a confirmation.
Product: Credit reporting or other personal consumer reports

information pertaining to this item is incorrect/inccurate.this debt is showing twice in my credit report.debt from XXXX XXXX XXXXXXXX and from LendingPoint are both reporting balances.delete immediately. I have previously disputed/ requested from XXXX XXXX XXXX  and they are just saying this is verified and updated. Both accounts are showing as open with different balances for same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a debt validation letter to Meridian Financial Services requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$4800.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Meridian Financial Services has failed to validate this alleged debt. They have NO signed contract with my signature stating that I give them ANY permission to access my credit reports as pursuant to 15 U.S.C section 1681b. Meridian Financial Services is also in violation of 15 U.S.C section 1692c ( c ), after being notified to cease and desist all communication with us.
Product: Vehicle loan or lease

Ridiculous high interest and criminal business practices in the state of OHIO. INTREST is accumulated daily. I've paid three times the loan amount on a 2004 vehicle. The company is ONE MAIN FINANANCIAL based out of TEXAS. PLEASE HELP THEY CANT TREAT HARD WORKING PEOPLE LIKE THIS!!!!!!
Product: Credit reporting or other personal consumer reports

I requested the inaccurate information to be deleted of my credit report. Experian responded that the disputed information has been verified and updated. In addition, the creditor didn't respond to my request for the validation of debt request on at least two occasions. 

See attached!
Product: Mortgage

For over a year, Bank of America has responded to our home loan modification request due to financial hardship with repeated requests for financial documentation that we have already sent them. This is a fraudulent tactic described in the Quarterly Report to Congress of XXXX XXXX, 2015 from the Office of the Inspector General for TARP, naming Bank of America specifically. We conclude that Bank of America has never intended to modify our 7.25 % interest rate to one closer to current market rates and has acted in bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed some unfamiliar inquiries on my consumer report that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX  Account # XXXX has violated my consumer 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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit card or prepaid card

I am very surprised, because I have been a member of Diners Club since XXXX XXXXXXXX of 1987, and I had never experienced this kind of treatment, but excellence. 
I was having a positive balance and Diners Club according to its general policy have removed the positive balance of {$95.00}, however this time they never mailed me the refund check. 
After, calling upon them the representatives on the phone informed me that they can not resolve it, but an Affidavit form will be sent to my e-mail, XXXX. I never recived such an email and during my calls to customer service, I started to feel unfomfortable, because the department issuing the refund was not related to the customer service 's task. I was constantly told that they have been sending the affidavit, which did not land in my email box, ever. 
After, filing the complain # XXXX at CFPB, I assumed the check will be mailed. It did not arrive, and it has not been deposited or cashed. I do have a question : " why are they playing this game? Again, customer service told me that they can not issue the refund check ; it is dealt with another department and I have to wait. I have been waiting, please, help me.
Product: Checking or savings account

Citi was running an account opening promotion for new customers from XX/XX/2018 - XX/XX/2018. Eligible new customers ( which I am one )  were to receive a {$400.00} account opening bonus by XX/XX/2018 if they met the following requirements : 1. Open a new checking and savings account in the Citibank Account Package between XX/XX/18-XX/XX/18. 

2. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 

3. Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 

4. Get {$400.00} deposited to your account! 

I opened two Citi accounts on XX/XX/2018 : a Regular Checking and Citi Savings accounts. The Citi Savings account was funded with {$200.00} on XX/XX/2018 and the Regular Checking account was funded with {$15000.00} on XX/XX/2018. I maintained the {$15000.00} balance in the Regular Checking longer than the required 60 days. The balance in the Citi Savings account remains unchanged at {$200.00}. 

According to the terms and conditions of the bonus offer, I should have received the bonus by XX/XX/2018 : If you are an Eligible Customer, enroll in the {$400.00} Checking and Savings Offer, and fulfill required activities ( see required activities below ), you can earn a {$400.00} Cash Bonus which will be credited to your new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all offer requirements. 

Make a deposit of {$15000.00} or more in New-to-Citibank funds as explained below into the new Eligible Checking Account and new Eligible Citi Savings Account, and maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days following the date when you made the {$15000.00} deposit. PLEASE NOTE : To meet the {$15000.00} requirement, a minimum of {$1500.00} must be deposited into the new Eligible Checking Account and a minimum of {$100.00} must be deposited into the Eligible Citi Savings Account. The remaining balance requirement may be deposited into either the Eligible Checking Account or Eligible Citi Savings Account.

I have contacted Citi three separate times since XX/XX/2018 and still have not received my bonus, which Citi has  confirmed I am eligible to receive. They have given me a reference number for my case, which remains unresolved. Ref # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX OPENED XX/XX/XXXX Collection/ChargeOFF ok XX/XX/XXXX Accounts closed by credit grantor XX/XX/XXXX STILL SHOWING BALANCE DUE DISPUTED AT LEAST 4 TIMES
Product: Checking or savings account

Bank of America Forced- closed my business banking account, because of a dull check a client gave my company. We had no control over this matter and my account was marked as fraudulent ; moving forward no one from Bank of America reached out to me to solve this issue no we continue to have issues with BoA. 

They without notice closed my accounts ; due to this my other title transactions were not able to process through. I since then have been behind on my bills and expenses because of this. I do not appreciate how my business has been flagged as fraudulent if this is something we did not know about.
Product: Credit card or prepaid card

To Whom It May Concern : My family and I travelled to XXXX and made several credit card charges which now appear on our current credit card statement. Prior to our trip, we were advised that Amex does not charge foreign transaction fees. Upon review of our foreign charges, I noticed multiple inconsistencies throughout the statement regarding the way XXXX to USD conversions were processed. My concerns are the lack of consistency when applying the foreign exchange rates. 

On several of the charges, the exchange rates used are higher than published rates I found through various online resources. 

Example 1 : Hotel charge on XX/XX/2018 for XXXX EUR was converted to {$2100.00} using an exchange rate of XXXX. However, published rate online for XX/XX/2018 was XXXX. 

Example 2 : In addition, I made several transactions on XX/XX/2018 and a different conversion rate was applied to 3 of the 4 transactions. The exchange rate published online for XX/XX/2018 was XXXX. However, Amex used conversion rates of : XXXX XXXX XXXX I contacted Amex and was advised that the conversions are made by an Amex subsidiary. I asked if I could file a complaint and have the charges/corresponding exchange rates reviewed. I was advised that there is no process to formally file a complaint or request a review. They could only document and internal note on my account that I called to question the charges and a description of the information I was provided. But again, its not a review just an internal note and no additional action would be taken. I spoke with both a customer service representative as well as a supervisor who essentially said there is no way to dispute the charges as they are what they are.
Product: Credit card

I paid my balance in full 2 days before it was due on XX/XX/23 the total was approximately XXXX. I paid the entire balance due on the date that I made the payment. After the due date of the Apple credit card I went to check and make sure that the payment cleared to find a balance of XXXX. I spoke to someone on chat at Goldman Sachs and was told that in order to avoid paying interest I have to pay the entire balance 2 months in a row. I then asked if the balance did an arbitrary number that the just make up and if it is not than how can I still have a balance if I paid in full and was told that is policy
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

I have an identity thief from the credit Bureaus XXXX, XXXX, FICO, and also the Capital One bank have all had data breaches. I now have people calling my phone with my full name, address, and phone number due to the mishandling of my information. This has been happening for years, now my information is being used. I would like some assistance with this as I can no longer trust the Credit Bureaus and the banks.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the XXXX  of my XXXX  to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX  Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Care credit/ synchrony bankclosed my account without prior warning that they were going to close it. They closed it without any reason to close it. It was in excellent standing. The only valid reason they claimed was " not spending/using the account in 6 months. '' But the account was XXXX balance with all R1 payments, meaning excellent standing. When they closed this account it dropped my score XXXX points in a single day in the middle of me trying to qualify for an apartment for my family to move into. I have sense been denied this apartment based on my credit report coming back failed. I have filed a dispute with the leasing company to change this result. I am now in the process of this dispute. I requested the credit company send me a letter stating my account was in excellent standing when they chose to close my account. They did not do so. I asked that it be noted on my credit report. They did not do this. They noted that the customer is disputing this information. Now I am dealing with another hurdle do to their wrongful termination of my account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, Experian . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX