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

On or around XX/XX/XXXX I was aaproved for a Citi Diamond Preffered card online. The approval came back on my screen as a XXXX dollar credit limit. 
The following statement came up on the screen Congratulations, you have been approved for a Citi Diamond Preffered card with a XXXX credit limit. Your card is active immediately with 10 % of your total credit limt available for the first 10 days. After 7-10 days your card shuold arrive in the mail. 

My card has arrived and I have reached out cusotmer service, the escalation department and the approval department. No one can say anything but its XXXX and they are extremely rude thinking they have answered my isssue. 

They either are fraudently telling people one thing and then decreasing limits after or they are incompetent in getting me to the corect department with the answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting th
is information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- COLLECTION -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$6100.00} -This is not my account.
Product: Checking or savings account

Have called several times trying to access my online account. The bank is saying in need to have the full account number which can be found on the statement but I only get online statements and I have been locked out of my online account and they can not verify my info with name or SSN they need the full account number or atm card number which I lost. I can not get a replacement arm card because I do not know the full account number. I was told I would need to send a letter or go into a branch location. They do not have any branch locations close to me at all.
Product: Credit reporting or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. FCRA Violation : employment not mine XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. FCRA Violation : never late paid in full should not be a charge-off status XXXX {$94.00}, XXXX XXXX XXXX FCRA Violation : credit card not mine XXXX XXXX XXXX {$170.00}. FCRA Violation : collections not mine XXXX XXXX XXXX XXXX {$5900.00}, XXXX {$240.00}. FCRA Violations : hard inquiries not mine XXXX XXXX XXXX XXXX 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: Debt collection

I got an alert today about a collection owed to vance & Huffman llc for XXXX $ it was previously owed by XXXX XXXX a leasing agency located in XXXX. How is this posible when I live in XXXX Texas my whole life? Ive never been to XXXX in my life. This has to be fraud.
Product: Vehicle loan or lease

I have made a payment before the 30 day late payment deadline every month since XXXX  All of the sudden they are reporting my account 30 days late. 

The website mysteriously is saying I missed a payment in XXXX which is not the case!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion via mail on XX/XX/2020 to dispute unauthorized inquiries. I received a follow up letter via mail that was issued on XX/XX/2020. 
The letter was very vague and didn't state anything about any investigation. The letter only explained what an inquiry is how long it remains on your report. I have never applied for anything with these companies, these are fraudulent inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX and XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy. 

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Money transfers

on XXXX/XXXX/16 i purchase a MONEY GRAM from Money Gram Inter. The person i sent it to did not get it and when i phone the company for a status i get the run around. The company states that my transfer is under review and no one can give any answer to when or how my money will be available. This is not right for Money Gram to hold my money for any amount of time and i am unable to do anything about it.
Product: Checking or savings account

At XXXX point I had XXXX in my account, and then the next thing I know the account was just canceled. I assumed maybe I went over spending, but a buddy of mine overdrafted his account by {$10.00} and they hounded him for years. They just closed my account and give a reason. I stopped using banks because of this
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFFB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that weresupposed to be removed ON MY XXXX XXXX XXXX XXXX The dates were XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in themiddle of moving and this alate mark is preventing me from moving into a new apt . I wasunder the COVID-19 SHUTDOWN and I believe I can use some  help with the remove of thelate payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit .The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XX/XX/XXXX. I  had to move do to job loss and never had a bill update.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/year> as listed on my most recently reviewed on my XXXX XXXX report, there are several frauds/ or unauthorized information that needs to be Inquiries -XXXX XXXX a part of experience 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs Please remove it from my credit report. 
I am hereby notifying you that neither of those accounts are correct, I have not given XXXX XXXX permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to XXXXXXXX XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I used US BANK XXXX application to send {$1500.00} to recipient XXXX XXXX who has a XXXX XXXXXXXX XXXX account. This is a deposit that I needed to provide to move into an apartment. US Bank marked on my end that amount was delivered and XXXX went into her bank account to retrieve it through XXXX. At that point the payment on her end was marked " Failed '' with no option to retry or retrieve the amount. She provided me a screenshot I've attached. 

I called my bank US BANK to complain that while they extracted it from my account and marked the transaction complete, delivered, the recipient did not receive it. I was told US BANK could not retrieve the transaction and to have recipient call US Bank. We called them together on XX/XX/XXXXand was told that there was a XXXX connection error and that the funds were never received by XXXX XXXX XXXX and that I should receive the amount back between 3-5 business days. It's been over 8 days and I have not received the funds into my account. I called US Bank to dispute this issue and they had no idea how to resolve and kept stating that funds were delivered while I mentioned no, the payment had failed and they should be able to connect with XXXX to see what occurred. Also, I tried calling XXXX, but they don't provide an option to help if you go through a bank because they have access to that information and they don't. US BANK alleged they opened a dispute but I have received no inquiry since then and it's been over 7 days. In the meantime, I had to cut another check from a different account to pay for the deposit. This is causing me hardship because I am out {$1500.00} with no help from XXXX XXXX XXXX ( because I have no account ), or Us bank. It is not right that both banks do not have the controls in place to reconcile when amounts are received in error. 

Additionally, US BANk written complaint channel via email is down. You can't actually follow up on your dispute without calling and as I mentioned, their agents have not been helpful with this matter. 

Attached screenshots -- proof of XXXX payment -- proof payment failure from XXXX XXXX XXXX and me having to pay a check from a different account to pay for deposit. I request immediate urgency to this matter.
Product: Debt collection

I am a victim of identity theft which have created a great deal of XXXX  and XXXX. I submitted an identity theft report complaint with the Federal Trade Commission. My consumer rights of me being a natural person under the Fair Debt Collection Privacy Act USC 1692 and Fair Credit Reporting Act 1681 are being violated. Upgrade are breaking federal law attempting to collect a debt that is not owed. I do not owe Upgrade any money and demand that they stop attempting to collect the alleged debt and delete any internal records of the alleged debt and stop the false reporting to the credit bureaus ( XXXX XXXX and XXXX  ). I am also requesting an audit trail according to GAAP that any money was given to me. If any account was created using my social security number ( which I didn't authorize ) that would make me the creditor not the debtor. How can the creditor owe any alleged debt? They can not according to congress! 15 USC 1692 states that it is fraudulent to furnish a deceptive form to make me think I owe an alleged debt when they became a " debt collector '' after " Me '' the Original Creditor creates a creditor by giving them credit to extend back to me. I do not owe any alleged debt and demand that the alleged debt be deleted immediately or I will seek remedies for the violation of my consumer rights under congress law!
Product: Checking or savings account

On XX/XX/24 I deposited {$500.00} and on XX/XX/24 someone spent it with a fake company called " XXXX XXXX XXXX XXXX XXXX' once I received the notification of the transaction I immediately called chime and they said I couldn't do anything yet because the transaction was still processing. So I goggled " XXXX XXXX XXXX XXXX XXXX' and found out the business doesn't exist because I couldn't find the phone number of said business. Once the transaction processed I filed a dispute it was immediately denied with in 3 days so I called Chime and asked why they didn't give me a reason so I asked for them to send me any paperwork on how they did their investigation I didn't receive anything. I called again and they opened the dispute back up and I submitted a police report and information from my email of notifications of someone logging into my chime account. I've opened XXXX disputes for the same {$500.00} transaction and they keep denying them in as little as XXXX hours up to XXXX days. Their website says their investigations take 10-20 days at the latest and 45-90 days at most. So I'm confused on why out of XXXX disputes they deny mines in 12 hours to XXXX days and never send the information on the investigations I requested. More that 2 chime agents told me they know I didn't make the transaction but they keep denying my dispute. I've asked to speak to the supervisor and I've been hung up on 3 times and still have not been able to speak with a supervisor.
Product: Money transfer, virtual currency, or money service

Let me first set the scene. On Tuesday, XX/XX/year>, I was sent {$75.00} via Cash App. Cash App charges a fee for immediate withdrawals, which I am aware of, but they also offer the option to wait for the money to be deposited within XXXX business days without a fee. I chose to wait, expecting the deposit to be made today, Friday, XX/XX/year>. 
However, when I checked my bank account, there was no deposit. Upon reviewing the Cash App, I noticed that they had changed the deposit date to Tuesday, XX/XX/year>, still without a fee, now extending the wait to XXXX business days. 
I contacted their support through the app, and after reviewing my account, they basically implied that I would be paying the fee. I understand there are fees, but it is unacceptable to promise one thing and then change the rules in mid-game. As a consumer, I am simply following their stated rules. I am outraged and frustrated and want this to be brought to the forefront. I informed them that I would be reporting this issue because I am sure I am not the only one experiencing this. Changing rules arbitrarily is not a good practice.
Product: Credit reporting or other personal consumer reports

Dept of Education. Improper use of personal information. Improper Reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported are inaccurate and erroneous and are leading to negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. I was never late on these accounts. The late payment shown is in error. Please check payment records and provide documentation why these are reporting as late payment. These are good standing account. Again, please verify these immediately and correct the reporting error! 

XXXX XXXX  XXXX. XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XXXX
Product: Credit card

Discover card is reporting that I have a joint account with my husband. The account was opened before I even knew him. It was opened XX/XX/XXXX. We did not get married until XX/XX/XXXX. He added me as a user on the card. They had none of this information on me when I called they did n't have my dob XXXX/XXXX/XXXX my ssn XXXX and my marriage date of XXXX/XXXX/XXXX. This is preventing us from getting a rental which is larger than what we have. I have not filled out any application and they did not have the above stated items. I would like the reported part removed from my correct report and the judgement removed from my credit report.
Product: Debt collection

I am very sick an living on XXXX.I tryed to explain this to the people on my credit report but i only get a very small amount to live on. I wish they would remove this items off my credit report.They just keep changing names. 

XXXX XXXX
Product: Student loan

I have tried numerous times to get my student loan payment lowered to an affordable monthly amount based on my income. Navient has denied any affordable price and only gives me outrages quotes I can not afford. When i told them I ca n't afford to pay they told me my credit can go bad and this will affect me. I asked them if they can garnish my wages and she said possibly which at that point i felt trapped. They said go ahead and pay the amount you are able to contribute each month but you will still be in bad standing as long as you are not paying the amount Navient is requesting. I asked what is the point of paying if i will still be in bad standing. I do not know how else to go about getting affordable payments as I already have other debts owed to the state and ca n't afford to pay what they ask of me. They call from multiple random numbers now harassing me to pay what i can not afford. It is impossible to avoid them as they call from different numbers every time they call.
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Product: Credit reporting or other personal consumer reports

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments
Product: Credit reporting or other personal consumer reports

Transunion XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have more that should not be on my report, because its locked
Product: Checking or savings account

I inadvertently used the wrong card for a quick transaction from one of my multiple business accounts with Trust Bank, leading to a minor oversight on my part. The transaction amounted to {$5.00}, resulting in an overdraft of approximately {$3.00} in my checking account. However, without prior notice, Truist Bank imposed a hefty {$36.00} overdraft fee. Surprisingly, I only became aware of this fee the following day, without any prior notification regarding the overdrawn status of my account. 

Upon contacting the business care department, I was informed that they couldn't refund the fee because the transaction was {$5.00} or more. This policy was enforced despite my history of never requesting an overdraft on the account before. This experience has led me to caution others about the banking practices of Truist. Is it reasonable to charge {$36.00} for a {$3.00} overdraft? This incident highlights the questionable practices of this bank.
Product: Debt collection

XXXX XXXX Failed to maintain the property in habitable condition because of a gas leak. I had 3 gas leaks in 30days in XX/XX/XXXX  that they claimed to fix, however the gas line kept leaking. Gas leaks are a huge health hazard! I spoke to the Property manager ( XXXX ) and she told me she would let me out of my lease, however she turned around and tried to say I owed them money. I filed a counterclaim for their failure to allow me the right to live in a safe and habitable premises and the right to live in peace and quiet. They failed to come to court on XX/XX/. So the case was dismissed. I've disputed this several times, however it keeps popping up on my credit report. XXXX is the new collection agency and they are damaging my credit report! I don't owe them money and I want this removed asap.
Product: Debt collection

I received a XXXX XXXX bill that was n't mine and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update immediately this is not a dispute. Information has been reported incorrectly. Change my status. I received a letter from XXXX for all 14 student loan accounts. This has stressful and ruining my life.
Product: Credit reporting or other personal consumer reports

I need to point out that this issue is not just an oversight. My credit report contains errors that are seriously affecting me, and its been causing a lot of stress. These inaccuracies are impacting my life in ways that are hard to describe, especially during these challenging times. I have attached an FTC report for you to check these accounts with a serious approach.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.