23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My student loan has been paid in full, but the Texas Higher Education Coordinating board failed to report the debt as paid in full with a {$0.00} balance in violation of the FCRA. This has negatively impacted my credit score, access to credit, and rate provided on new credit accounts. They need to correct my credit report AND provide monetary remediation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

This process started with a letter ( XXXX XXXX, 2015 ) from Citi suggesting that we could save money by refinancing our existing Citi loan that we have had for greater than ten years. We owe approximately {$37000.00} on the property which was recently appraised by Citi to be worth approximately {$73000.00}. We proceeded with providing information to show our credit worthiness. We answered all questions and followed the completeness of the loan application components on the secure Citi site which we were able to access. We paid for an appraisal ( {$560.00} ) which was completed on XXXX XXXX, 2015. We submitted income tax information, bank statements, credit scores, verification of current income, and over a XXXX-page volume of our Family Estate Plan and Family Trust. We received communications from Citi ( XXXX/XXXX/2015 ) telling us that our loan has been conditionally approved pending receipt of certain documents which we provided. We received confirmation that our Flood Insurance Policy was completed on XXXX XXXX, 2015. In a letter dated XXXX XXXX, 2015, we were informed that our loan request was not approved. When we called the loan officer to ask for an explanation, we were informed that our property was not on their " approved list '' and that it has unverified sufficient flood insurance coverage. Citi owns the loan that currently finances this property, however, and that loan itself has not been challenged. We believe that Citi has a " scam '' going that invites current clients to refinance with no intention of approving a lowered interest rate for their loans. The sole purpose of this process appears to be collecting an appraisal fee. This " scam '' could be XXXX and may involve more than XXXX lending institution.
Product: Money transfer, virtual currency, or money service

Reciever did n't Get the Money on the Printed Date, not even y et.
Product: Credit card

I have had a credit card with citicards about a year In XXXX 2015 a XXXX charge appeared on my statement. I had already been billed by XXXX under auto payment but this was for a different amount of {$100.00}. I disputed the charge and started the lengthy process to get it removed. The next two months the same type of bogus charge but for a different amount appeared. It took months to try to resolve it but citi finally acknowledged it was their error and the charges were dropped. I was so fed up with their handling of the matter that I quit using the card in XXXX and paid off the amount they said I owed. Unfortunately I had charged some slacks to my account that were not what I ordered and I had to dispute that charge. This charge for either {$63.00} or XXXX which varies from XXXX email to another. I am still disputing the charge and received a letter from XXXX in XXXX XXXX SD dated XXXX although I didnt get it until earlier this month. The letter stated that a correction would appear on my statement within XXXX billing period and they had corrected my account for any interest charges and fees. They added late fees to my account and they are still on the account, increasing my supposed amount due to about {$150.00}. I have had a succession of disputed charges from citi, XXXX are now resolved with removal from my account. This most recent one goes on and on. They have now gone so far as to list the charge in my credit report which has lowered my credit score from XXXX to between XXXX to XXXX. I would like to have this account cleared and my credit score back to where it should be. Thanks for your assistance.
Product: Credit card or prepaid card

While traveling in XXXX for vacation, my Citi premier card got lost/stolen and was used to make purchases at different locations here in XXXX. I called Citibank customer service/ fraud department to immediately report the transactions as fraud but the answer I received was that I should wait until someone from Citibank could contact me. A week later nobody has contacted me and after several attempts to reach out a representative to ask for help the only answer I was given is that I need to wait up to 2 months for them to carry out an investigation. 

Now, the charges are posted to my account making my current balance increase, and they do not offer a temporary credit to remove these transactions from my total balance while they investigate these transactions. In the end, this is hurting my credit score since I am in the middle of a home refinancing process and my credit report will be pulled to be considered for this transaction. 

PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally disputing the inaccurate and unverifiable collection account listed on my credit report under the name XXXX XXXX, with the following details : Account Name : XXXX XXXX Date Reported : XX/XX/XXXX Amount : {$1200.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Pursuant to 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this account from my credit report. This account is being reported inaccurately, and I demand that the credit bureau conduct a proper investigation. If the information can not be fully verified with legally admissible documentation, this account must be removed.

Furthermore, under 15 U.S. Code 1681s-2, data furnishers are prohibited from reporting inaccurate or unverifiable information. As the consumer, I never entered into any contractual agreement with the debt collector currently furnishing this account. Without my direct consent or a valid contract proving otherwise, they do not have the legal authority to report or furnish this debt in my name.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I hereby request full validation of the debt, including a signed contract proving I agreed to any obligation with the collection agency. If this documentation can not be provided, the collection agency has no legal standing to report this debt, and it must be permanently deleted from my credit file. 

As per the FCRA, you have 30 days to complete this investigation. If you fail to verify the accuracy of this debt and provide concrete proof of my contractual obligation, you must delete this account immediately from my credit reports with Experian, XXXX, and XXXX. 

Failure to comply with this request will result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office for violations of my rights under the FCRA and FDCPA. 

I expect a written response confirming the deletion of this account within 30 days. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 of my credit reports, I have 2 different Debt buyers reporting I have 4 different loans that went into collection. 
I can prove to you that the debt buyer XXXX XXXX XXXX has 2 loans on my credit report, but its the same loan, they just put another account number and a higher debt this loan. ( account ). Every time I ca ll they don't won't just the past due bill, they want to make a payment plan, that I simply can't afford. They will not work nothing out with me nor will they take 1 of the same accounts off my credit. I've complained to all 3 Major credit bureaus with no luck. I can also prove that another debt buyer has 2 of the same accounts on my credit report. These are old debts, I have no excuse, but they or doing me wrong.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I went to the Chase bank in XXXX XXXX NY to initiate a wire transfer. Waited for over 1 hour for a bank representative to even acknowledge me. I presented the coordinates for a wire transfer with XXXX  XXXX XXXX being the initial bank and XXXX XXXX XXXX XXXX XXXX being the final bank. I was informed by the bank clerk XXXX XXXX that Chase is a " big bank '' that does not need an intermediary bank and the funds will be transferred directly to XXXX XXXX XXXX  XXXX XXXX. After 1 week of the funds not being there, I called Chase to inquire what was happening. They informed me that XXXX XXXX XXXX  was being bought out by XXXX XXXX and they ( without my knowledge or consent ) request the funds back. The funds got back to my account 3 days later ( 10 days from my initial transaction ). As it turns out, XXXX XXXX  XXXX XXXX XXXX charged me {$35.00} for the return wire which i have no way of disputing since they are a foreign bank. Chase charged me {$50.00} for the initial wire and will be charging me an additional {$50.00} to send the wire again. Needless to say I am appalled at how consumers are being treated my these institutions when their dealings are completely out of our control. I was informed that if Chase had followed the initial instruction and initiated the transfer through XXXX this whole thing would have been avoided. I think I should at least me reimbursed by Chase for my transaction fee not to mention the time I spent in their understaffed bank.
Product: Money transfer, virtual currency, or money service

Our company contracted with Merchant Services " XXXX '' for credit card processing in XX/XX/XXXX. Then in XXXX of XXXX, we were informed our account was now with Global Payments. However, XXXX continued to send invoices up until XX/XX/XXXX, resulting in duplicate merchant charges from XXXX to XX/XX/XXXX by the two companies. ( We now know that XXXX is owned by the parent company Global Payments. ) We were unaware that the old XXXX merchant number would be discontinued, and a second merchant account number would be created with Global Payments. Thus, we used the original merchant number to stay in compliance. We were advised by XXXX to maintain XXXXXXXX XXXX compliance and run external vulnerability scans for security and to avoid XXXX non-compliance fees. As it appeared we were complying, the parent company was charging us a XXXX non-compliant charge under the new merchant account from XX/XX/XXXX to the present. 
We also learned from XXXXXXXX XXXX that runs the XXXX vulnerability test, that since we are on a virtual payment terminal, and virtual payments are accessed by an Internet-connected web browser, that it would be impossible to detect payment transactions by running a XXXX test on our XXXX XXXX address at this physical location. It would rather be a case of testing our XXXX vendors web server at their data center where the integration between their software and merchant services takes place.
Product: Credit reporting or other personal consumer reports

I urgently request the full deletion of these inquiries from my credit report as they do not belong to me, and I have no affiliation with the listed creditors.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and XXXX Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Student loan

-XX/XX/XXXX Daughter begins XXXX University with a {$7000.00} unsubsidized {$5500.00} Subsidized loan -XX/XX/XXXX loan repayment stmt {$5900.00} -XX/XX/XXXX Congrats your unsubsidized loan is paid off -XX/XX/XXXX large payment made towards loan -XX/XX/XXXX large payment made towards loan -XX/XX/XXXX loan repayment stmt {$7500.00} ( showing a current balance {$2600.00} on a loan they said was paid off ) -XX/XX/XXXX loan repayment stmt {$7500.00} ( showing a current balance {$2600.00} on loan they said was paid off. 
-Summer XX/XX/XXXX student makes several phone attempts to resolve issues and is unable to make progress. She drops it. 
-XX/XX/XXXX student makes monthly payment -XX/XX/XXXX student makes monthly payment -XX/XX/XXXX student seeks parental help to figure out loan and gives permission for parent to have full access to loan w Ed Financial.Parent begins process with XXXX and Ed Financial to get tot he bottom of this. Ed 's numbers do not match XXXX so we patch XXXX on phone, its revealed that Ed 's numbers don't match NSLDS, XXXX, or COD. 
XX/XX/XXXX XXXX follows up with Ed tells me its okay to call and now make progress XX/XX/XXXX Parent calls, am given inaccurate numbers again, and am told someone will call back XX/XX/XXXXParent calls and am no longer given authorization to discuss matter so parent has student fax a letter of authorization so parent can handle account mainly because the run around, the delay, the time, makes it virtually impossible for a working woman to have success dealing with matter at hand. 
XX/XX/XXXX Parent has to wait for student to get off work to give another verbal approva for parent to discuss matter but Ed again passes off phone call to say a supervisor will have to handle but due to sups being thinned out there is no one to help. 
XX/XX/XXXX Parent calls early in am to try and reach a sup hoping they are not thinned out in the am. But no, on sups available. My 24 hour auth will run out, just like the faxed letter will take 3-5 business days for them to implement. Just like every phone call the student and parent have made, we continue to be put off, be given incorrect numbers that do not coincide with school, and its impossible to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report. I disputed this item with Equifax, XXXX, and XXXX and it remains on my credit file.
Product: Credit card or prepaid card

I have received a targeted offer from American Express to open a card and spend {$5000.00} and receive XXXX bonus points ( I have a print screen ) I have applied for the card, was approved. 
Once I did the required spent XXXX did not want to grant me with the XXXX points they said that in the terms and conditions they had a notice that previous card holders are not eligible. This was not noted on the offer page ( as you can see ) and you had to click on the whole terms and conditions to discover, this is clearly misleading intentinally. 
Also, I did not get any warning that I will not qualify for the offer, moreover, I was targeted for the offer.
Product: Credit card or prepaid card

We were notified of a security incident by XXXX on XX/XX/2021 that involved my discover credit card. I called Discover immediately to report the data breach and found that there was already an unauthorized charge of ~ {$150.00}. I requested Discover to close the account and to diallow the charge. The rep promised to take care of both. A week or two later I received a new discover card. I called them again telling them to close the account, and told them that I did not request a new card. I asked the rep to check the account balance and was told there was ~ {$150.00} balance on the new card. It turned out that someone at Discover not only opened a new acct for me w/o my approval, but also transferred the fraudulent charge to the new acct. I requested the rep to close the new acct and explained the history of the charge. I got same promise. Then few weeks later, I received the statement of the new card still showing the charges. I called again and was promised that all will be taken care of. I countine to receive emails reminding me the balance is due and they eventually processed the payment yesterday ( I set up automatic payment ). 
My online acct has been locked since I reported the fraud so I couldn't access my acct info anymore. This is way beyond reasonable. Please help get my money back.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

SPS bought my mortgages from XXXX XXXX starting XXXX of XXXX. They have resolved this same issue with one of my loans, but not the other. SPS says that I am in default although they have collected the money via ACH every month on time. They have said that they are not applying the payments to my mortgage ( although they have the money ) and threatened that if I don't make an additional payment this month I will face credit problems and legal proceedings to take the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and see that XXXX is incorrectly reporting that i was late on a payment on XX/XX/XXXX, some 4 plus years ago. The fact of the matter is I was NEVER late with even one payment and I have this account since XX/XX/XXXX. 
I wrote to XXXX, XXXX, Experian and XXXX and they have not corrected their error. 
Please have this error corrected, it is effecting my ability to obtain a home loan and the reporting is false. 
Thanks
Product: Credit reporting or other personal consumer reports

Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of TRANSUNION to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXXXXXX XXXX account ending in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBIT A & B Attached ). This is incorrect and is supposed to be reported as PAID AS AGREED or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate and false reporting of late payments on XXXX XX/XX/XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While, XXXX has CORRECTLY reported this account ( SEE EXHIBIT B Attached ) on my consumer report, TRANSUNION has yet to update and remove these late payments from my consumer report ( SEE EXHIBIT A & XXXX Attached ). XXXX has clearly verified the accuracy of my credit report while TRANSUNION only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, anxiety, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolved this and many accounts with chase bank several times please see attache documents that you can clearly see i had a judgement against Chase Bank for and incorrect statement. chase had to pay me the consumer. remove the balance on the account to zero  back in XXXX, XXXX. By thier own Attorney XXXX XXXX and thier agreement signed. 

I tired to get a gredit card in XXXX of XXXX with XXXX rewards, and chase refused, so I could not be apart of the rewards of XXXX. because chase hold that card. 

I tried save myself XXXX on an order, with XXXX and Chase holds that card. so I could not get that card either. the credit application was returned in 3 seconds flat and the name Chase was returned on the scree. it was very clear to me this is not due to my credit is because chase bank is hold a grudge against me for the judgment in XX/XX/XXXX,  if they paid the insurance policy thsi would not have been a problem please see attached documents. all trade lines were to be removed in XXXX, XXXX againts all socials attached credit card. according chase XXXX in the executive office they are on my reports and derrotory statemens from XXXX not to do with an auto loan, or any other loan. auto loan was paid in 11 months. Chase is discrimination when I apply for any card they have, the consumer has no idea who holds the card until it returned and then they state to many cards applied. chase is destroying me this way too! I want chase bank to remove all the credit card applications applied remove for my credit report.
Product: Money transfer, virtual currency, or money service

I had just gotten my taxes when my phone and chime account was hacked I got no access to my email phone or chime account