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

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Product: Credit card or prepaid card

i ordered a replacment card and have yet to recieve it i ordered it two months ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I just had this issue opened. XXXX removed from 1 credit report and now XXXX I was just alerted it was added to my Experian report. This Mortgage needs removed immediately from all credit reports and not to be added again
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in to dispute a account that is inaccurately still reporting on my credit report. It has been deleted off two of the three reports. They have failed to properly investigate this account and continue to send a automated response. The account is No name Acct # XXXX, {$340.00}, XX/XX/2021.
Product: Mortgage

I received a letter from Phh morgage company that my escrow account was short a specific amount of money and I paid that amount in full guaranteeing me my morgage wouldnt go up. They cashed the check for that amount specifically. There was a due date by which the amount needed to be paid and it was and the check cashed. They allowed my payment but didnt apply it to my escrow and my morgage payment went up and I was guaranteed it wouldnt. They didnt apply to my escrow. They told me they couldnt discuss my morgage with me and why it went up. I told them the day they cashed that check the agreed to the terms and conditions of that contract. How can they not apply the funds in the contact I paid for specifically to my escrow account. My morgage went up .I want to know why they didnt honor the terms in their contract and liked my morgage account to be the correct amount and the money in my contract honored into my escrow. XXXX XXXX email XXXX.
Product: Credit card or prepaid card

CitiBank has locked my account due to " fraud '' after I just asked for a new card because of past fraud they never caught. They now are saying after I verified my name, address, secret code, etc. that they CAN NOT send a verification number to the phone I have had on file for many years with CitiBank. They said the only way they can verify and unlock my card is by sending mail which will take over 7 business days to get here to verify my account.
Product: Mortgage

During the XXXX week of XXXX, XXXX, I submitted an application for a HELOC loan with the Bank of America Branch in XXXX XXXX. I had an initial call with XXXX XXXX XXXX ( XXXX ). I had clearly mentioned to her the current active mortgages I had on my credit, as well as this HELOC application being applied on my Primary Home. She said that she does not have any concerns about it, and started processing the application. All supporting documentation from my end for my entire portfolio was provided to BoA within the first few days via their case portal. Every week would pass by, with no progress on the file, stating that they are overwhelmed with applications. Another BoA employee, XXXX XXXX ( XXXX ) apparently was in charge of the file, and updates from her happened only when I reached out to her, once a week, until she finally quit BoA, and left my heloc file hanging in there. After they had no progress on my file for over two months, I reached out again for an update, and XXXX XXXX tells me that they are unable move forward with my file due to DTI and something about unable to process the heloc on my primary home. I was not given an opportunity to provide any additional supporting documentation for DTI, or was provided exact details on what my DTI was, per their calculation, even when asked. They just closed the file on me without further explanation. This is just unacceptable where they were stringing me along for over 2 months. Her boss, XXXX XXXX did not respond to my queries either. XXXX XXXX number : XXXX
Product: Debt collection

Someone within the home had access to my information I only found out after I tried buying a home all these debts showed up
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX investigated my claim of identity theft and agreed that the reported account as a result of identity theft and that I am not responsible for this debt. They also agreed to remove this information in its entirety from all three credit reporting agencies. To date, the incorrect information has not been removed by the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX - XXXX - {$4600.00} XXXX XXXX XXXXXXXX - XXXX - {$4100.00} XXXX XXXX XXXXXXXX - XXXX - {$2100.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit card

I purchased a XXXX XXXX XXXX XXXX XXXX using my Citi Bank credit card. However, upon receiving the package, I discovered that the item delivered was a standard edition, not the XXXX XXXX XXXX as advertised and purchased. 

I immediately contacted the merchant 's customer service to report the issue and request a return. I contacted customer service twice in XXXX and twice in XXXX, but I did not receive a resolution. In XXXX, I visited both the XXXX and XXXX XXXX locations in an attempt to return the incorrect item. However, both stores refused to accept the return, claiming that the product received did not match my original order details. 

After receiving no resolution from the stores, I contacted customer service again and escalated my complaint to a supervisor, but the issue remained unresolved. 
Since I did not receive the product I paid for, I disputed the transaction with Citi Bank. However, my dispute was denied despite providing supporting documentation. 

Actions Taken : - Contacted customer service XXXX times ( twice in XXXX, twice in XXXX ). 
- Visited both the XXXX and XXXX store locations in XXXX, but they refused to accept the return. 
- Escalated my case to a supervisor after no resolution. 
- Filed a dispute with Citi Bank, which was denied. 
- Provided supporting documents, including the original order confirmation and photos of the received item, proving that the incorrect item was delivered. 

Attached are the relevant supporting documents : - Initial letter from Citi Bank.

- Response from Merchant.

- Letter to Citi Bank to request proper review of my claim. 
- XXXX letter from Citi Bank. 
- Order confirmation showing the purchase of the XXXX XXXX XXXX XXXX XXXX. 
- Photo of the received item, proving it is the standard edition.
Product: Credit card

In XXXX, I was traveling in XXXX for a vacation and used my Chase XXXX XXXX credit card. On XX/XX/XXXX, I reported an unrecognized transaction dating from XX/XX/XXXX from XXXX XXXX for {$130.00}. 

Chase denied my claim on XX/XX/XXXX. I reported again that I did not recognize the transaction. Chase denied my claim on XX/XX/XXXX. 

I received a call on XX/XX/XXXX from XXXX in their fraud department. XXXX said the transaction was for car parts. I do not own a car, so why would I buy car parts? I asked the Chase representative for an itemized receipt. The Chase representative refused to provide an itemized receipt, and they ended the call. 

{$130.00} is a significant amount of money to me as an everyday American customer. If it was valid, I would recognize the charge.
Product: Debt collection

I have contacted Midland Funding numerous times regarding two separate collection account showing on my credit reports. I have also disputed the accounts multiple times with all three credit bureaus. The company they are saying is the original creditor, I have never heard of. I have never lived at nor heard of the address on these accounts. From my understanding, the collection company must provide some type of proof when I dispute the item. The company has clearly not provided the credit bureaus any proof as that would be impossible. I have been receiving constant mail from Midland Funding as well as constant harassing phone calls at very odd hours.

I have been putting off filing a lawsuit against what appears to be a fraudulent company. At this point I am trying to buy a home and these incorrect negative accounts are causing my family great distress.

Since Midland Funding as well as the three credit bureaus are unable to assist with these incorrect accounts that do not belong to me, I am requesting an investigation from the CFPB.
Product: Money transfer, virtual currency, or money service

The company constantly restricts my account from making withdrawals without legitimate reason after I have repeatedly verified identity andet all requests. Over and over again Coinbase wait until XXXX  is added to my XXXX  and then decides to inform me that my account is restricted from making withdrawals. However, they don't disclose the reason and I feel it is an abuse of their authority because they don't restrict deposits from being made to account that they are having suspicion with, only when consumer tries to withdraw. After making simple change such as updating an email address or anything. I have had my account restricted over XXXX times in the past year for doing nothing simple transfers that I am allowed to make. Today, again after sending a small purchase of XXXX  of {$9.00} on XXXX XXXX to my coinbase account it was accepted then I go to withdraw the XXXX  payment to another account and it says I'm again restricted. I have spent hours on the phone with customer service, sent countless emails explaining my issues and yet they continue to restrict my account and place holds for no reason. I ask them if it's identity issue then why is then restriction not removed immediately after I've supplied all the details. They say it has ti be escalated and provide no transparency to the account owner about the nature of the issue. They cause issues with my related debit cards and various XXXX  I link anytime they restrict my account and sometimes cause issues with me being locked out of those accounts as well which create havoc when I'm trying to handle business day-to-day. I am sick and tired if this type of treatment and feels unjustly harassed by this large corporation thag feel they can mishandled customers XXXX funds, data, and private information at their whim.
Product: Checking or savings account

I originally received a phone call stating that my account has been put on hold because of possible fraud activity. The supposedly person on the the phone from USAA stated that a purchase was declined because of suspicious activity. The person on the phone stated that someone in XXXX Florida attempted to buy a 75 inch curved tv. They advised me that they would send a new card out within 3 business days. The following night i started receiving push notifications from my smart phone from the USAA app stating the information on my profile has been changed and updated without my doing or knowledge. I instantly called USAA informing them of what was happening. The USAA representative took notes and walked me through the process of updating my online login information. After my login credentials was updated. I noticed that my information was still being updated without my consent. I called USAA again explaining what was going on. The representative took notes and said that my account was under investigation by the fraud department. Later I noticed that XXXX XXXX dollars ( 000 ) was deposited into my account via mobile deposit, and transferred to a unknown account that was added to my account without my consent. USAA said that after the investigation of the deposit they did not find any fraudulent activity because it looks like I logged in from my account and made the deposit. As I explained over the last few days of events to USAA what was taking place nothing was done to prevent this on their end, USAA has not done anything to assure or protect me as a 8 year member with multiple accounts. Now my account is XXXX plus in the negative when I was just payed today. I am XXXX XXXX XXXX and USAA is my main bank account and bank that has my money. USAA told me today that I am responsible for paying the negative balance and that the fraud case was closed. Even after me explaining as these fraudulent activity was happening due to USAA lack of security and urgency. USAA HAS LET ME DOWN AS A CUSTOMER AND MEMBER. This very situation can effect my credit and ability to provide for my family.
Product: Debt collection

I requested documentation from this collection agency to verify an item/items reported on my credit report on XXXX. Pursuant to 15 U.S.C.1681s-2 ( a )
Product: Credit reporting

FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to medical issues ) our family experienced a hardship and was forced to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially more viable. I am being discriminated against due to a government requirement to be late on a. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove them immediately. I am someone who has taken take of my credit very well I take my credit very seriously.
Product: Credit card

So here we are again, Harrassing me once again with my account and taking the no preset limit away just as you did in XX/XX/XXXX. Your actions are uncalled for and your company is nothing but a disgrace. Let me tell you that out of all my creditors, I carry the AMEX cards, XXXX cards, XXXX and XXXX and you are the only creditor to ever give me a hard time. No other creditor has ever adjusted my limits. Its harrassment and it needs to stop. If you do not put my account back to no preset limit, i will find cause to sue you in a court of law. You did the same thing to me on my Delta Skymiles card. I used it for a {$38.00} purchase and you took my limit down to {$2100.00}. Do you think its cute that you can bother people like this. Im telling you XXXX XXXX XXXX XXXXXXXX right now, your going to knock this XXXX off. I am also telling you that I AM NOT PAYING YOU {$690.00} ANNUAL FEE TO CARRY A CARD WITH A {$4300.00} LIMIT. It is not happening. If you do not waive the fee for the 2 problems you have caused me in a 6 month period I will purposely default on my credit cards with you and I dare you to send me to collections or attempt to sue me. Just try me. I guarantee you, you will not win. I have so much evidence and proof of you being corrupt, making false statements, defamation of character, making false representations from my credit. You stated in a letter on XXXX that i had to many requests for credit. Again, the only Inquiry i have is from XXXX and due to fall off in XX/XX/XXXX. So there again, another lie. When i contact XXXX they tell me they have no idea where you are getting your information from. Therefore, I am unable to dispute anything because my credit report is completely accurate. I cant dispute inquires when i only have 1. As far as the payments made, you send me a bill with a minimum due on it, I pay that to satisfy that month, again your actions are absurd to treat and act this way to a good paying customer. The reason why people choose to quit paying you is when you start playing games such as this. Your no different then XXXX, XXXX or XXXX. In fact they know how to treat customers- WITH RESPECT. You are a woke, leftist organization with high crime on the inside with employee corruptness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with company asking them to verify my debt.The representative could not pull up my account because the account is not linked to my social security number. This account was opened with another social security number with a person with the same name as me. I've disputed this with the company several of times. When asked to provide my written signature giving consent to the application for this line of credit all I receive is statements with another social security number. I have disputed this for two years and there has yet to be a resolution.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has led to multiple fraudulent items being added to my credit report without my authorization. There are 13 unauthorized accounts and 12 inquiries that were placed on my report without my knowledge or consent. 

FRAUDULENT 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 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 I have already taken the necessary steps by reporting this identity theft to the Federal Trade Commission ( FTC ). I am now requesting the immediate removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and found several items on there to be inaccurate. 


Under 15 U.S. Code 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681 i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report immediately : 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 Experian 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
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX Balance Owed : {$580.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX  XXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX Balance Owed : {$380.00}.
Product: Checking or savings account

My statement period closed on XX/XX/02 and the bank did not issue a statement or deposit the interest accrued. I spent over an hour trying to get an answer from the customer service reps and received no help whatsoever
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with 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. 

Inquiry 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 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 if the person knows or has reasonably cause to believe that the information is inaccurate.

Inquires
Product: Credit reporting or other personal consumer reports

Request for Removal of Collection Accounts Under 15 U.S. Code 1692c ( c ) To Whom It May Concern, I am writing to dispute the following collection accounts that have been reported on my credit file : Collection Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Name : XXXX  Account Number : XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX As outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( c ), I am exercising my right to request that all communication regarding these debts cease, as I believe these accounts were not properly handled under federal law. Given the lack of appropriate communication, I respectfully request that you remove these collection accounts from my credit report.

These collection accounts have negatively impacted my livelihood, credit score, and my ability to obtain credit. I would appreciate your prompt attention in correcting this matter and deleting these accounts from my file.

Please conduct a thorough investigation and provide written confirmation of the results. If you need any additional information to verify my identity or the details of my claim, please contact me using the information provided above.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

My credit has been deducted 85 points for and fraud saying I owe XXXX dollars and I have never opened an account with credence resource management ever and it's a fraud.