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

I opened this account prior XX/XX/XXXX.

My first credit line Increase application was back inXX/XX/XXXXand it was denied I was told to wait until XX/XX/XXXX to apply again to see if itll be accepted I was denied again.

I called customer service rep and spoke to several customer service reps as well as manager and explain that I had tried several times to get a credit line increase and I continue to get denied.

The last agent I spoke to told me I needed to wait until XX/XX/XXXX that is 1 year wait too long of a time in every denial letter the only thing that it says is that a credit line increase is not available. My credit is over 730 in all 3 credit bureaus also I have always made on time payments every month and paid more than the minimum every both while always maintaining a low balance on my account. 

I want to be given my credit line to be increase like I'm supposed to.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report again on XX/XX/XXXX. I Saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ]
Product: Checking or savings account

Case # XXXX I have filed a complaint a month and half ago regarding a fraud transaction taken place on XX/XX/2021 in the amount of {$1000.00} and I am filing a complaint again today because the company ( MONEYLION ) still has not resolved my case and I can not get a hold of person in contact ( XXXX ) or anyone. I have filed for a dispute on XX/XX/2021 after having my identity stolen with my checking account / debit card from XXXX XXXX on XX/XX/2021. 
I have been trying to get my money back from this company for over two months now and have provided everything they have requested showing and proving XXXX XXXX has no record of chargeback or a reversal for the transaction amount of {$1000.00} which is a fraud transaction I did not authorize taken placed on XX/XX/2021. 
XXXX XXXX representative confirmed by phone and a letter that the funds was never received for the disputed amount from Money lion therefore, Money lion still owes me the money which I never received and still waiting for. I have tried contacting the company but no response or updates have been received regarding the status of my case.
Product: Consumer Loan

I have had several loans with this company in the past with no problems. One month after my last loan was paid off, I called to reapply. XXXX XXXX tried to use some type of a bank verification system that requires a robot to sign on to your personal online banking account. My bank, XXXX XXXX XXXX, does not allow this type of electronic access. They tried and received an error message. In order to be approved for this loan, my last XXXX employment deposits had to be verified. XXXX Loans called my bank and ask me if it would be ok to lie and say no one else was on the call and for me to ask for my last XXXX deposits. In order to get the loan this had be done. I agreed as there was no other way. At this point I thought my loan was approved so I said yes. I was a returning customer and assumed all was completed and approved. The rep said all that needed to be done, after I had just lied to my bank, was submit the application through XXXX??? Who is XXXX XXXX. Something came back, probably my Tax Lien as I have a current payment plan with the IRS, so the loan was denied. I called another payday lender, XXXX, and received the approval instantly and funds were deposited for the next business day. My number one complaint with XXXX Loans is that you must lie in order for your bank deposits to be verified. My second complaint is that I never should have electronically signed any loan documents and been disclosed monthly payments and due dates if my loan was not approved. Many payday lenders do this from what I have been told because it makes the process easier for them. What about us as a consumer that believes their loan to be completed and approved when loan documents have been signed?? We need to stop dishonest payday lenders and loan document signing prior to the loan being approved/denied. If I had gone to my personal bank, they would have never requested me to sign loan documents prior to loan approval/denial.
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. 

these accounts : XXXX XXXX XXXX : # XXXX, XXXXXXXX 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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was denied credit due to a newly reported, erroneous item on my credit report. I immediately used XXXX and XXXX online to get a free copy of the report and initiate a dispute directly with those services. 

TransUnion appeared to not have a way to do this, so I tried to get a free report via the XXXX but I somehow failed the verification process. After more XXXX I thought I found how to request directly from TransUnion and it made me create an account and provide a credit card number though didn't say what would be charged. Of course I passed their verification. 

Upon login it appeared I had been signed up for a XXXX XXXX/month service without my knowledge. I completed the dispute on my credit report, requested cancellation of the service which only provided cancellation of the auto-renew. 

After speaking with " XXXX '' in their overseas 800-customer service center he immediately said he would cancel the first charge on my credit card and insisted there was a way to sign up for a free account online that did not require a credit card number. 

A quick web search indicates that TransUnion has a history of doing exactly this and has agreed on a number of occasions to stop this deceptive process. They have not.
Product: Credit card

I spent {$86.00} from XXXX store in XXXX, which I then paid off the amount {$86.00} on XX/XX/XXXX. I found the account number on the receipt when I purchased it. I couldnt get a statement and a credit card by mail until now, but I got an email from XXXX Bank. I did not know that this bank was related to XXXX. I spoke to them over the phone about the balance and I requested a dispute letter from your customer service, but they said they dont have any system for dispute letters. XXXX by month the amount increased and now I see the balance {$160.00} via an email from XX/XX/XXXX. The XXXX Bank tried to report to my credit bureau and debt collection. My request is to adjust the whole amount and email me a confirmation letter because this balance of {$160.00} is completely unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Nv, XXXX Moneylion XXXX XXXX XXXX XXXX, UT, XXXX Subject : Request for Clarification on Loan Charge-Off and Rescission Rights under 15 U.S. Code 1635 Dear Moneylion, I am writing regarding the status of my loan account, specifically the recent charge-off notice. I would like to address my rights under 15 U.S. Code 1635, which pertains to the right of rescission under the Truth in Lending Act ( TILA ). 

This law provides borrowers the right to rescind certain loan agreements within three business days from the date of the transaction or the date of receiving required disclosures, whichever is later. Additionally, in cases where the necessary disclosures were not provided, the right to rescind may be extended up to three years from the transaction date.

To ensure compliance, I kindly request the following : 1. Full Disclosure Documents : A copy of the original loan agreement and all disclosures provided at the time of the loans initiation. 
2. Itemized Accounting : A detailed breakdown of the charges, interest, and payments associated with the loan.

3. Verification of Charge-Off : Documentation substantiating the charge-off, including the date and amount.

If disclosures were not properly provided as required by TILA, I may have grounds to rescind the loan agreement. Please review my account and provide clarification on this matter within the timeframe mandated by applicable laws. 

I look forward to your prompt response to resolve this issue amicably. Please direct all correspondence to the address listed above or contact me at XXXX. 

Thank you for your attention to this matter. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$2200.00} Consider this request as a follow-up to make sure the listed accounts are fixed
Product: Credit reporting or other personal consumer reports

I had XXXX XXXX  added to Experian to boost my credit for on time payments, of which I was only awarded XXXX point for setting it up. After a couple years, I no longer wanted XXXX XXXX  so I stopped paying for it. It was recently removed from my experian boost, so experian took XXXX points off my credit report. This feels very unfair and not an appropriate measure of whether someone has good credit. Just XXXX points can affect what bracket youre in and whether you qualify for certain types of lending- all because I stopped watching XXXX XXXX Its fair to punish me for that?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 60 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below was an erroneous account reporting on my Credit Report : XXXX  XXXX-XXXX-Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

It was advertised that after a short time of good payment history that my account would be changed from a secured account to an unsecured account and that my security deposit would be refunded. I have been a member in excellent standing for over 1.5 years and they have yet to convert my account. I call in every few months and they tell me my account will be converted in 2 months ( an outright lie ) since I have repeatedly called since the account was 6 months old and nothing has ever changed even though I have remained in excellent standing with Synchrony and my credit score has improved greatly over this time period.
Product: Debt collection

I requested to find out who they are and why they say I owe money and they will not send me documents with proof. 

They don't communicate without me giving them " XXXX XXXX XXXX  " my ss, dob..etc if they say I owe a debt then send the debt and documents to my house. I assure i do not owe an I've XXXX debt to anyone. My credit card, loans and every XXXX accounts I've ever had has been paid, current..etc except XXXX XXXX XXXX from years ago and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was on XXXX and those XXXX refused to work with me. But other than that my accounts have ALWAYS been paid. This has to be fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$960.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX  has an account. I sent out dispute letters and I spoke to someone in that Dept. Asking to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting ACT XXXX, Account Name : XXXX XXXX XXXX, has violated my 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 an account without my written instructions.
Product: Consumer Loan

my equity loan from XXXX was automatically transferred to the XXXX XXXX XXXX now called Specialized Loan Servicing LLC in XXXX, CO when I declared Chapter XXXX in XXXX. The agreed upon payments were {$95.00} each month and I never missed a payment. In XXXX the agreed upon payments were $ XXXX/month and I was able to make two payments each month of {$100.00} and have never missed a payment. In XXXX XXXX I received a notice of being in behind on payments by several hundred dollars. My monthly payment inexplicably increased to {$470.00}. I called several times and no-one could explain anything except I was behind in my payments. Fees were attached and now they claim I owe XXXX. A notice to foreclose was mailed to me and notes from field inspectors have been left on my door knob. I have continued to pay {$200.00} mo
Product: Credit card or prepaid card

I sent in wrong file on the previous case. Reference case XXXX I am attaching new information police report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued reporting of XXXX XXXX XXXX account number XXXX on my credit report. Per my previous dispute ( s ) and the outcome of your investigation ( s ), this account was determined to be inaccurate/unverifiable/erroneous, and I was informed that it would be deleted. However, as of my most recent credit report, this account remains on file. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ), credit bureaus are required to delete or correct inaccurate or unverifiable information within 30 days of a dispute. Since you have already determined that this account should be deleted, I demand immediate compliance with this requirement.

Action Requested : 1. Immediately remove the [ account from Experian, Equifax, XXXX 2. Provide written confirmation that the account has been permanently deleted. 
3. Update and send me a new copy of my corrected credit report. 

Failure to comply with this request may result in me taking further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies as provided under the FCRA.

I have attached copies of my previous dispute letters and any responses I received for your reference. Please correct this issue immediately and confirm compliance in writing. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. XXXX  XXXX XXXX XXXX  and XXXX  XXXX ( credit card ) has fraudulent accounts that are showing up on my credit report that should be removed immediately. There has also been numerous hard credit inquiries that I did not give consent for.
Product: Debt collection

I received a debt collection letter from Allied Interstate LLC that stated I owed XXXX XXXX {$370.00} and if I replied by XX/XX/year> they would have to stop collections until they sent that information. On XX/XX/year> I disputed this on their website. I then received a billing statement with the creditor on there. On XX/XX/year> reached out to them on their website stating I wanted a signed contract between myself and XXXX XXXX and I requested proof that Allied Interstate could collect this debt on behalf of XXXX XXXX. They once again just sent me the same billing statement. I never signed a contract with XXXX and I do not owe the money that they have reported on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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
Product: Credit card

I have a " Costco Anywhere Visa Card by Citi ''. The card is advertised as being " cash back ''. However, the they do not provide " cash ''. Apparently they send a Costco voucher per their customer service department. I say apparently as they only send this voucher one time per year, in arrears, of course. This Costco voucher can only be redeemed at Costco while cash can obviously be used in many other ways.
Product: Credit card or prepaid card

I, received unemployment from the State of Georgia, but never received my debit card in the mail. Tried calling them but they either hang up on me or I am on hold for ever. They have {$640.00} of my benefits and have had it since XXXXi now have direct deposit into my personnel account. This {$640.00} is the only amount I haven't received because it is on a Prepaid Card issued by XXXX that I never got. I have no account number to even enter into their automated system.